机制创新破解小微融资困境

Core Viewpoint - The financing difficulties faced by small and micro enterprises in China are a significant bottleneck for their growth, prompting the establishment of a coordination mechanism to address these issues effectively [1][2]. Group 1: Mechanism Effectiveness - The coordination mechanism established by the Financial Regulatory Bureau and the National Development and Reform Commission has shown significant results, with over 70 million small and micro enterprises visited and nearly 9 million included in the recommendation list, leading to new credit issuance exceeding 18 trillion yuan and new loans of nearly 14 trillion yuan [1]. - The mechanism's effectiveness and execution capabilities are validated by the data, indicating a positive impact on small and micro enterprise financing [1]. Group 2: Challenges in Execution - There are discrepancies in policy understanding leading to inconsistent execution standards across different regions, as local departments and banks interpret policies differently [1][2]. - The limited risk tolerance of banks poses a challenge, as the high-risk nature of small and micro enterprises conflicts with banks' stringent risk control requirements [2]. - Information asymmetry and an inadequate credit evaluation system hinder the coordination mechanism, necessitating the establishment of a comprehensive local credit data platform to provide reliable enterprise credit assessments [2]. Group 3: Recommendations for Improvement - Financial institutions should ensure resource allocation, optimize internal approval processes, and innovate financial products to enhance service quality for small and micro enterprises [2]. - Local government departments are encouraged to strengthen policy guidance and support, accelerating the development of local credit data platforms to provide banks with comprehensive and accurate enterprise credit information [2][3].