金昌市多措并举破解中小微企业融资难题

Core Viewpoint - The article highlights the efforts of Jinchang City to address the long-standing issues of financing difficulties and high costs faced by small and micro enterprises, focusing on enhancing the business environment through targeted measures [1] Group 1: Financial Service Improvements - Jinchang City has implemented a comprehensive strategy to improve financial services for small and micro enterprises by enhancing mechanisms and innovating products [1] - A credit information sharing platform for small and micro enterprises has been established to break down credit information barriers, with a successful loan of 4 million yuan issued through this platform [3] - The platform aims to facilitate communication between banks and resolve issues encountered during fund usage, ensuring effective implementation [3] Group 2: Government Support Initiatives - The city has introduced a government guarantee scheme to provide unsecured loans for small and micro enterprises and agricultural entities, addressing their common challenges such as lack of collateral [4] - A streamlined approval process has been adopted, allowing for joint due diligence and approval between government guarantee institutions and banks, significantly reducing approval times [4] - Since the establishment of Jinchang Guarantee Company, it has provided 1,143 guarantees totaling 4.993 billion yuan, alleviating financing pressures for market participants [4] Group 3: Technological Financial Empowerment - Jinchang has launched the "Science and Technology Innovation Guarantee" product, which integrates fiscal subsidies, guarantees, and bank loans to support high-tech and specialized enterprises [5] - This initiative offers a 50% interest subsidy, effectively reducing financing costs and expediting the financing process for technology-driven companies [5] - To date, the program has benefited 8 technology enterprises with guaranteed loans totaling 29.1 million yuan, achieving a comprehensive guarantee fee rate of only 1.02% and saving over 65 million yuan in insurance costs [5]