Huan Qiu Wang·2025-10-29 08:50Core Viewpoint - Postal Savings Bank of China (PSBC) is actively implementing measures to reduce financing costs for small and micro enterprises, aligning with national inclusive finance policies [1][2][3] Group 1: Financing Cost Reduction Measures - PSBC has established a three-tiered working mechanism to ensure clear disclosure of financing costs to over 200 market entities, promoting transparency in loan terms [1] - The bank has implemented differentiated preferential policies and innovative financing service models, including no-repayment renewal loans and interest rate discounts, to alleviate the financial burden on small and micro enterprises [1][2] - As of September 2025, the bank has issued 1.67 billion yuan in no-repayment renewal loans to small and micro enterprises, with a year-to-date increase of 190% [2] Group 2: Targeted Loan Policies - The bank is focusing on key areas such as rural revitalization and green finance by offering internal fund transfer pricing (FTP) discounts to reduce funding costs for inclusive small and micro loans [2] - Loans that meet both inclusive small and green finance standards can enjoy cumulative discounts, further lowering financing costs for green projects [2] - The bank is also supporting technology innovation by providing FTP discounts for loans to technology enterprises, facilitating upgrades and transformation of specialized and innovative companies [2] Group 3: Future Directions - PSBC plans to continue enhancing financial services for small and micro enterprises with more transparent, precise policy support and flexible product designs to drive high-quality local economic development [3]