86万家社会组织贷款可及性仅8%，普惠金融支持待破局

Core Insights - The majority of banks refuse to lend to social organizations primarily due to the inability to confirm their status as legitimate borrowers [1][3] - Only 8% of social organizations can obtain bank loans as institutions, with most relying on personal loans or borrowing from friends and family [1][3] - The report emphasizes the need for a clear policy framework and innovative financial products to address the loan accessibility issues faced by social organizations [2][5] Summary by Sections Current Loan Situation - As of now, there are 865,000 social organizations in China, employing over 10 million people, which require diverse funding support for their operations and projects [1] - The report indicates that banks lack understanding of the characteristics and conditions of social organizations, leading to information asymmetry [4] Challenges in Financing - The existing loan regulations do not clearly include social organizations as eligible borrowers, causing banks to face legal ambiguities during credit approval [3][4] - Social organizations often fall into low credit ratings within banks' internal systems due to their non-profit nature, which conflicts with traditional profit-oriented lending criteria [4] Recommendations for Improvement - Short-term solutions include clarifying the legal status of social organizations as borrowers and developing tailored credit assessment systems [2][5] - Financial institutions are encouraged to innovate and create loan products specifically designed for social organizations, ensuring compliance and effective use of funds [5][6] - Collaboration among financial regulators, civil affairs, and social work departments is essential to establish a supportive ecosystem for social organization financing [6]