让更多资金“活水”滋养小微市场主体

Core Viewpoint - The small and micro market entities are vital for economic vitality and employment, necessitating enhanced policy coordination to ensure continuous financial support for these entities and stabilize the economy [1][2]. Group 1: Financial Support for Small and Micro Enterprises - As of the end of 2021, the balance of inclusive micro loans reached 19.2 trillion yuan, a year-on-year increase of 27.3%, supporting 44.56 million small micro entities, which is a 38% increase [1]. - The average weighted interest rate for small micro loans decreased by 0.22 percentage points compared to the previous year, indicating a trend of increasing loan volume, expanding coverage, and decreasing costs [1]. - Agricultural loans also showed growth, with a balance of 43.21 trillion yuan, up 10.9% year-on-year, reflecting the effectiveness of financial support for agriculture [1]. Group 2: Policy Coordination and Innovation - Recent years have seen strengthened coordination between fiscal and monetary policies, focusing on addressing financial service shortcomings for small micro enterprises and agriculture [2]. - Fiscal measures such as loan interest subsidies, financing guarantees, and direct financial support have been employed to direct more resources towards small micro enterprises and agriculture [2]. - The central bank has introduced monetary policy tools aimed directly at the real economy, while financial institutions have innovated products and services to enhance support for these sectors [2]. Group 3: Precision in Policy Implementation - There is a need for precise policy coordination, focusing on the specific demands of small and micro enterprises to enhance their operational capabilities and reduce burdens [3]. - Policies should be managed rhythmically to prevent counterproductive effects, with fiscal departments improving budget accuracy and transparency to stabilize market expectations [3]. - Collaboration between fiscal, monetary, employment, industrial, and investment policies is essential to create synergistic effects and promote high-quality development [3]. Group 4: Performance Assessment and Resource Sharing - A robust performance assessment mechanism is necessary to evaluate the effectiveness of policies, considering both individual achievements and overall systemic outcomes [4]. - The integration of new technologies like blockchain and AI can enhance the credit system and address loan accessibility issues for small enterprises [4]. - Future efforts should focus on deepening cooperation among various regulatory bodies to improve information transparency and establish comprehensive financial service platforms for new market entities [4].