打通小微企业融资难点堵点

Group 1 - Small and micro enterprises are crucial for national economic stability and employment support, with inclusive micro loans reaching 35.57 trillion yuan, a year-on-year increase of 12.3% [1] - The rapid growth of micro enterprise loans is attributed to regulatory efforts and financial institutions addressing financing challenges, with a total increase of 2.63 trillion yuan in the first half of the year [1] - Financial institutions are encouraged to conduct on-site visits to better understand the operational conditions of small enterprises, breaking the information asymmetry [1] Group 2 - Jiangsu Province has actively visited 4.03 million enterprises and issued loans totaling 1.9 trillion yuan, ranking among the top in the country [2] - The application of financial technology is essential for improving inclusive financial services, addressing issues like information asymmetry and high operational costs [2] - Financial institutions are innovating products like "Inclusive Loan" using data models to assess small enterprises based on key performance indicators [2] Group 3 - Chongqing's financial regulatory bureau has mined 1 trillion pieces of financial data to create accurate enterprise profiles, enhancing service capabilities for small enterprises [3] - The bureau has generated a "white list" of funding flows, facilitating precise matching with banks, resulting in 4.687 billion yuan in new loans for 32,900 enterprises [3]