小微融资协调成效外溢，延伸服务触角改善营商环境丨时报经济眼

Core Insights - The support mechanism for small and micro enterprises (SMEs) financing has shown significant effectiveness since its launch in October last year, with over 90 million SMEs visited and new credit of 23.6 trillion yuan granted by banks by the end of June this year [1] - The mechanism not only facilitates direct and efficient access to bank credit for SMEs but also extends its impact to improving the business environment and promoting healthy competition within industries [1] Group 1: Financing Coordination Mechanism - The financing coordination mechanism has led to a collaborative relationship among banks, allowing them to complement each other's strengths in serving SMEs [3] - In Dongying City, Shandong Province, the local economy heavily relies on tire production, with a total industrial output value of 266.18 billion yuan and an import-export volume of 78.74 billion yuan in 2024 [3] - Huasheng Rubber, a local foreign trade enterprise, has received 15 million yuan in credit loans and international settlement services amounting to 6.436 million USD from various banks, showcasing the diverse financial needs of SMEs [4] Group 2: Service Extension and Improvement - Local governments have implemented unique practices to enhance the financing coordination mechanism, such as establishing dedicated hotlines for SMEs to improve service coverage [6] - The hotline initiative in Huantai County has successfully expanded its functions from financing connections to providing comprehensive financial services, including pre-loan communication [6] - The coordination mechanism has also led to a model where multiple departments collaborate to provide targeted services to SMEs, significantly improving the effectiveness of financing support [8] Group 3: Enhancing Business Environment - The financing coordination mechanism has been instrumental in improving the local business environment by addressing issues faced by SMEs that are on the recommended credit list but have not yet received financing [10] - A platform has been established to connect banks and enterprises, facilitating the identification of business conditions and risks while also resolving operational challenges faced by SMEs [10] - The ongoing research into integrating successful practices into future financing and comprehensive financial services indicates a commitment to sustaining the positive impact of the coordination mechanism [10]