两轮“苏贸贷”累计放款超千亿惠及近1.1万家中小微外贸企业

Core Insights - The "Su Trade Loan" financing policy has provided 107 billion yuan in loans to nearly 11,000 small and micro foreign trade enterprises since its launch in September 2018, significantly alleviating their financial difficulties and empowering their development [1] Group 1: Policy Overview - The "Su Trade Loan" has undergone two rounds of upgrades, with the first round establishing a 288 million yuan fund pool 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, showing substantial growth in 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 fixed asset collateral [1] Group 3: Impact on Enterprises - Jiangsu Province's policy has translated into tangible benefits for enterprises, such as Yinghui Energy receiving a 6 million yuan pure credit loan to support a 40% expected growth in cross-border settlements [2] - Shepherd Clothing in Zhangjiagang utilized a 10 million yuan loan to alleviate cash flow pressures and stabilize international orders amid raw material price fluctuations [2] - Nanjing Jingshan Chemical overcame collateral shortages with a 5 million yuan credit, enabling continued overseas business expansion [2] Group 4: Implementation and Management - To ensure precise policy implementation, Jiangsu Province has established a comprehensive management system, including an online financing service platform and a shared enterprise list mechanism [2] - The system conducts annual performance evaluations of cooperating banks, forming a closed loop of "precise selection - efficient matching - dynamic supervision" [2]