修通金融“水渠” 精准滴灌“根系”——支持小微企业融资协调工作机制的宁波实践

Core Insights - The establishment of the "Micro and Small Enterprises Financing Coordination Mechanism" has significantly improved the financing environment for small and micro enterprises in China, focusing on direct and efficient access to credit [1][2][3] Group 1: Mechanism Overview - The mechanism aims to address the financing difficulties faced by small and micro enterprises by promoting collaboration between central and local governments, as well as financial institutions [2][3] - As of September 2025, Ningbo has visited 272,000 businesses, with 151,300 receiving credit totaling 1,135.259 billion yuan, and loans amounting to 776.774 billion yuan disbursed [3] Group 2: Operational Efficiency - The mechanism has streamlined the process for banks to connect with enterprises, reducing inefficiencies and ensuring that credit reaches those in need quickly and at appropriate rates [4] - For instance, the average loan approval time at Yongcheng Rural Commercial Bank is maintained at under three days due to the coordination efforts [4] Group 3: Innovation in Banking - Banks are reforming their internal structures and processes to better serve small and micro enterprises, moving towards technology-driven and inclusive financial models [5][6] - Agricultural Bank of Ningbo has established a specialized branch for technology finance, while other banks are creating dedicated teams to support tech enterprises [6] Group 4: Tailored Financial Products - Financial products are being customized to meet the specific needs of different types of enterprises, with a focus on innovation and adaptability [6][7] - For example, Agricultural Bank of Ningbo has developed online, credit-based products tailored for small foreign trade enterprises [6] Group 5: Focus on New Quality Productivity - The financing mechanism has successfully directed financial resources towards nurturing new quality productivity, with significant increases in loans for strategic emerging industries [7][8] - As of September, loans for technology enterprises reached 57.8 billion yuan, with a growth rate of 28%, while loans for strategic emerging industries reached 62.9 billion yuan, growing by 36% [7] Group 6: Collaborative Ecosystem - Banks are increasingly viewing themselves as builders of innovation ecosystems, collaborating with local governments, research institutions, and incubators to create a supportive environment for small and micro enterprises [8][9] - The focus is on creating a virtuous cycle of support that enhances the overall financing landscape for these enterprises [9]