两轮“苏贸贷”累计放款超千亿

Core Insights - The "Su Trade Loan" financing policy has provided loans totaling 107 billion yuan to nearly 11,000 small and micro foreign trade enterprises since its launch in September 2018, utilizing an innovative "government + bank + insurance" model to support the development of foreign trade companies [1][2] Group 1: Policy Overview - The "Su Trade Loan" has undergone two rounds of upgrades, with the first round establishing a funding pool of 288 million yuan and disbursing 34.57 billion yuan to 4,677 enterprises [1] - The second round, initiated in 2022, expanded the number of participating banks to nine and has disbursed 72.52 billion yuan to 6,288 enterprises as of September this year, significantly increasing its coverage and scale [1] - In the first nine months of this year, the loan disbursement increased by 40.36% year-on-year, with a weighted average interest rate as low as 2.84% [1] Group 2: Risk Mitigation Mechanism - The core highlight of the policy is the "government-bank-insurance" collaborative risk-sharing mechanism, where the provincial risk compensation fund covers 50% to 80% of the principal loss risk based on loan type and amount [1] - Export credit insurance provides upfront protection, creating a dual risk buffer for the loans [1] - Banks utilize the "Su Trade Loan+" model to leverage enterprise data value, allowing credit without the need for fixed asset collateral [1] Group 3: Impact on Enterprises - Jiangsu Yinghui Energy received a 6 million yuan pure credit loan, expecting a 40% increase in cross-border settlements [2] - Zhangjiagang Shepherd Clothing utilized a 10 million yuan loan to alleviate pressure from long accounts receivable periods and tight working capital, effectively managing the impact of raw material price fluctuations [2] - Nanjing Jingshan Chemical overcame collateral shortages with a 5 million yuan credit, continuing to expand its overseas business [2] Group 4: Implementation and Management - Jiangsu Province has established a comprehensive management system to ensure precise policy implementation, including an online financing platform and a shared enterprise list mechanism [2] - Annual performance evaluations of cooperating banks are conducted to create a closed loop of "precise selection - efficient matching - dynamic supervision" [2]