以金融“活水”激发小微企业活力（现场评论）

Core Insights - The article emphasizes the importance of financing for small and micro enterprises (SMEs) and highlights the role of a financing coordination mechanism in facilitating access to loans for these businesses [1][2][3] Group 1: Financing Mechanisms - A financing coordination mechanism has been established to support SMEs, allowing financial regulators to identify businesses with reasonable financing needs based on tax data and other information [1] - As of June 2023, the balance of inclusive loans for SMEs reached 36 trillion yuan, a year-on-year increase of 12.3%, with credit loans accounting for nearly 30% [1] - By the end of July 2023, the financing coordination mechanism had visited nearly 98 million SMEs, resulting in a total loan issuance of 22 trillion yuan [1] Group 2: Challenges and Solutions - SMEs face challenges such as information asymmetry with banks, high communication and due diligence costs, and varying risk tolerance among businesses, which complicate loan access [1][2] - Digital technology is being leveraged to bridge the information gap between banks and SMEs, enhancing the precision and accessibility of financing services [2] - Local financing coordination mechanisms are addressing specific issues, such as credit repair for businesses with past administrative penalties and implementing policies for seamless loan renewals [3] Group 3: Policy Implementation - Effective implementation of supportive policies is crucial for enhancing financial services for SMEs, with a focus on collaboration between central and local authorities and utilizing data effectively [3] - The article advocates for innovative approaches and mechanisms to alleviate financing difficulties for SMEs, thereby fostering high-quality economic development [3]