Core Viewpoint - The article highlights the successful implementation of the financing coordination mechanism for small and micro enterprises in Zhejiang, showcasing innovative financing models and significant loan disbursements to address the financing difficulties faced by these businesses [1][2]. Group 1: Financing Coordination Mechanism - Since the launch of the financing coordination mechanism, Zhejiang has visited 4.13 million enterprises, with 982,000 included in the recommendation list, and 963,000 receiving credit support, totaling loan disbursements of 2.6 trillion yuan [2]. - As of May, the balance of inclusive loans for small and micro enterprises in Zhejiang reached 5.5 trillion yuan, ranking first in the country [2]. Group 2: Innovative Financing Models - The "Science and Technology Innovation Index" financing model and the "No Repayment Renewal Loan" have been introduced to provide new solutions for small and micro enterprises [2]. - The "Science and Technology Innovation Index" evaluates enterprises based on 11 indicators, allowing banks to assess and provide credit based on the innovation capabilities of the businesses [3]. Group 3: Data-Driven Financing Solutions - The "Zhejiang Silver Good Standard" evaluation system categorizes clients based on their social value contributions, enabling banks to provide tailored financing solutions, such as the "Inclusive Digital Loan" which was disbursed within 2 working days [8]. - The "Silver-Tax Interaction" model allows banks to assess enterprises based on tax compliance and operational stability, facilitating rapid loan approvals [9]. Group 4: Cost Reduction Measures - The introduction of the "No Repayment Renewal Loan" policy has significantly reduced financing costs for enterprises, allowing for the extension of existing loans without additional repayment burdens [10][11]. - The establishment of a marine economy financing coordination mechanism aims to support the high-quality development of the marine industry by addressing its unique financing challenges [10]. Group 5: Support for Startups - The financing coordination mechanism has enabled startups to receive credit support despite limited financial history, with one startup obtaining a credit limit of over 4.2 million yuan shortly after its establishment [12][13]. - The mechanism encourages banks to adopt a more flexible approach to lending, allowing for quicker access to funds for businesses in their early stages [14].