搭好小微企业的融资桥梁

Core Viewpoint - The article emphasizes the importance of small and micro enterprises (SMEs) in driving economic growth, stabilizing employment, and improving livelihoods, highlighting the government's efforts to address financing challenges faced by these businesses through a series of coordinated policy measures [1]. Group 1: Policy Measures - The National Financial Supervision Administration and eight other departments have implemented measures to support SME financing, aiming to create effective solutions to the persistent issue of financing difficulties [1]. - A coordination mechanism has been established to understand SME needs and facilitate direct access to credit, resulting in significant outcomes, including 23.6 trillion yuan in new credit and 17.8 trillion yuan in new loans issued by banks by mid-2023 [1]. Group 2: Practical Approaches - The article outlines a three-pronged approach to resolve the dual challenges of SMEs being unable to find financing and banks being hesitant to lend, which includes enhancing financial service processes and policy collaboration [2]. - Local governments are encouraged to adopt best practices, such as the example from Jiangxi Fuzhou, where a multi-department collaboration has created a credible "recommendation list" for banks to identify viable SMEs [2]. Group 3: Technological Integration - The integration of online and offline efforts is crucial to bridging the gap in financial services for SMEs, with a focus on streamlining application processes and utilizing intelligent risk assessment tools [3]. - Banks are leveraging technology, such as AI-driven credit assessment tools, to expedite loan approvals and enhance the efficiency of financial services for SMEs [3]. Group 4: Financial Structure Optimization - The article stresses the need for a multi-faceted policy approach to lower financing costs for SMEs, including differentiated regulatory policies and increased support for various types of loans [3]. - There is a call for improving the credit support mechanisms for SMEs with good credit ratings and expanding the range of collateral accepted for loans [3].