加强央地联动、供需两端发力 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 being addressed through a newly established coordination mechanism aimed at improving access to credit and reducing the cost of financing [1][2][3] Group 1: Mechanism Effectiveness - The coordination mechanism 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 Implementation - 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 stringent bank risk management requirements [2] - Information asymmetry and an inadequate credit evaluation system hinder the coordination mechanism, necessitating improved data platform construction by local governments to provide reliable credit assessments for banks [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, and expedite the development of local credit data platforms to provide comprehensive and accurate enterprise credit information [2][3]