支持小微企业融资协调工作机制显效的启示

Core Viewpoint - The support mechanism for small and micro enterprises financing has shown positive results since its establishment in October last year, with significant increases in credit and loan issuance [1][2]. Group 1: Mechanism Effectiveness - As of June 2025, over 90 million small and micro enterprises have been visited under the mechanism, resulting in new credit of 23.6 trillion yuan and new loans of 17.8 trillion yuan, with credit loans accounting for 32.8% [1]. - The balance of inclusive loans for small and micro enterprises increased by 12.31% year-on-year, significantly higher than the average growth rate of all loans [1]. Group 2: Collaborative Approach - The mechanism leverages the advantages of the party's leadership and the socialist system, involving multiple stakeholders at both national and local levels to address the complex causes of financing difficulties [1][2]. - A collaborative effort among various departments, including finance and tax, has been established to gather data and accurately assess the financing needs of enterprises [2]. Group 3: Market-Oriented Solutions - The mechanism effectively combines government support with market principles, ensuring that administrative advantages are utilized while adhering to banking regulations [2]. - Local working groups have conducted extensive outreach to identify financing needs and connect enterprises with banks, enhancing the accuracy of loan assessments [2]. Group 4: Policy Implementation - Attention to detail in policy implementation is crucial to prevent bottlenecks in the financing process, ensuring that credit reaches the intended enterprises [3]. - The introduction of measures to protect diligent credit personnel encourages banks to lend more freely, thereby facilitating the flow of financial resources [3].