建专班摸排资金需求，无还本续贷政策扩围，强化信用信息共享 三个镜头，看化解小微企业融资难（经济新方位）

Core Viewpoint - The Chinese government is implementing structural monetary policies to support technological innovation, boost consumption, assist small and micro enterprises, and stabilize foreign trade, with a focus on resolving financing difficulties for small and micro enterprises [1][2]. Group 1: Financing Support Mechanisms - A coordination mechanism has been established to facilitate quick connections between small enterprises and financial institutions, exemplified by the case of Zhejiang Mailong Electric Co., which received a loan of 9.9 million yuan within three days through a dedicated service team [2][3]. - As of June 2023, 960,000 small enterprises in Zhejiang have received credit support through this mechanism, demonstrating its effectiveness in addressing financing needs [3][4]. Group 2: Policy Measures and Cost Reduction - The "no repayment renewal loan" policy has been expanded to all small enterprises, allowing them to apply for loan renewals if they have genuine financing needs, significantly alleviating their financial pressure [5][6]. - The average interest rate for newly issued inclusive loans to small enterprises was 3.89% in the first half of the year, a decrease of 1.98 percentage points compared to 2020, indicating a concerted effort to lower financing costs [7]. Group 3: Credit Platforms and Efficiency - The establishment of credit platforms, such as the "Tianfu Credit Pass," has improved financing efficiency by providing data-driven credit assessments for enterprises lacking collateral, as seen in the case of Tianyun Biotechnology [8][9]. - Various regions are enhancing data resource integration and credit information sharing to address the financing challenges faced by small enterprises, thereby improving the overall lending process [9].