修通金融“水渠” 精准滴灌“根系”

Core Viewpoint - The establishment of the "Micro and Small Enterprises Financing Coordination Mechanism" has significantly improved the financing environment for small and micro enterprises in China, particularly in Ningbo, through collaborative efforts between various stakeholders [1][2]. Group 1: Mechanism and Implementation - The Micro and Small Enterprises Financing Coordination Mechanism was initiated by the National Financial Supervision Administration and the National Development and Reform Commission to address the financing difficulties faced by small enterprises through a coordinated approach [2]. - Local governments have established corresponding mechanisms to facilitate the identification of financing needs and to ensure timely and accurate connections between banks and eligible small enterprises [2][3]. - As of September 2025, Ningbo has visited 272,000 business entities, with 151,300 receiving credit totaling 1,135.259 billion yuan, and loans amounting to 776.774 billion yuan disbursed [3]. Group 2: Innovations in Banking - Banks have restructured their internal processes and organizational frameworks to better serve small and micro enterprises, moving away from traditional credit assessment methods [5][6]. - New banking models have emerged, such as the establishment of specialized branches focused on technology finance, which allows for tailored financial products and services [6][7]. - Banks are now assessing potential clients based on intangible assets like team capabilities and product potential rather than solely on tangible assets, leading to a significant increase in credit availability for technology enterprises [7]. Group 3: Financial Support for New Productive Forces - The financing coordination mechanism has effectively directed financial resources towards nurturing new productive forces, with significant increases in loans for strategic emerging industries [8]. - As of September, the Agricultural Bank of Ningbo reported a loan balance of 57.8 billion yuan for technology enterprises, with a growth rate of 28%, and 62.9 billion yuan for strategic emerging industries, with a growth rate of 36% [8]. - Banks are actively participating in the construction of innovation ecosystems by collaborating with local governments, research institutions, and incubators to create a supportive environment for small enterprises [9].