打通小微企业融资“最后一米”（财经观）

Core Viewpoint - The mechanism for supporting small and micro enterprises' financing has shown significant results in addressing the financing difficulties faced by these businesses, leveraging a coordinated approach that combines institutional advantages with market principles [1][2][3]. Group 1: Mechanism Effectiveness - As of the end of June, the mechanism has facilitated visits to over 90 million small and micro enterprises, resulting in new credit extensions of 23.6 trillion yuan and new loans issued amounting to 17.8 trillion yuan [1][2]. - The mechanism, established in October last year, has quickly demonstrated effectiveness by identifying key areas for intervention to resolve the "last mile" of financing for small and micro enterprises [1][2]. Group 2: Collaborative Framework - The mechanism enhances the financial service ecosystem for small and micro enterprises through central-local collaboration, ensuring policy consistency while allowing local adaptations [1][2]. - Local governments have utilized data from various departments to engage with enterprises at the grassroots level, effectively integrating the mechanism into community governance [2]. Group 3: Precision in Financing - A notable statistic is that 32.8% of the new loans issued under this mechanism are credit loans, indicating a shift towards reducing reliance on collateral for financing [2][3]. - The mechanism aims to optimize the credit structure by directing resources towards key sectors such as foreign trade, private enterprises, technology, and consumption [2][3]. Group 4: Data Empowerment and Policy Efficiency - The mechanism emphasizes the importance of building local credit data platforms to provide comprehensive credit information, thereby reducing financing risks for financial institutions [3]. - Policies related to small and micro enterprises are being integrated into the mechanism to enhance overall policy effectiveness, including measures to address loan renewal challenges [3]. Group 5: Business Environment Improvement - The financing environment is a crucial component of the overall business environment, and the mechanism aims to improve both financing and operational challenges faced by small and micro enterprises [4].