广宁县打好“加减乘除”组合拳，巧解小微企业融资难题

Core Viewpoint - The article highlights the efforts of Guangning County in supporting small and micro enterprises through innovative financing mechanisms, focusing on addressing urgent needs and enhancing the quality of the real economy. Group 1: Financing Mechanisms - Guangning County has established a specialized working group to coordinate financing for small and micro enterprises, utilizing an "addition, subtraction, multiplication, and division" approach to tackle financing challenges [1][3]. - The county aims to enhance product innovation, reduce financing costs, and optimize comprehensive services to facilitate precise connections between banks and small enterprises [1][3]. Group 2: Product Innovation - The county is increasing product innovation by creating platforms for government, banks, and enterprises to connect, organizing targeted matchmaking events to eliminate information barriers [3]. - Financial institutions are encouraged to innovate financial products, offering a diverse range of financing services tailored to the needs of small and micro enterprises [3]. Group 3: Cost Reduction - As of July 20, 2025, the weighted average interest rate for new small enterprise loans from county banks is 3.8%, a decrease of 0.23 percentage points since the beginning of the year, indicating significant cost reduction efforts [5]. Group 4: Comprehensive Services - The "Yue Xin Fu" platform is utilized to enhance service capabilities, integrating functions such as information collection, review, feedback, communication, and monitoring, leveraging technology to better understand and meet enterprise needs [5]. Group 5: Problem Resolution - A coordinated process for resolving financing issues has been established, with a focus on addressing challenges faced by enterprises with insufficient operating time, lack of collateral, or non-compliant financial statements, resulting in 25 cases being resolved with a total credit amount of 49.216 million yuan [5].