青海：三级融资机制发力 打通小微企业融资“最后一公里”

Core Viewpoint - Qinghai Province has established a three-tier financing mechanism to address the financing challenges faced by small and micro enterprises, effectively facilitating their access to financial resources and supporting their development [1][2]. Group 1: Financing Mechanism - The three-tier support mechanism for small and micro enterprises was rapidly established in response to national policies, creating a collaborative framework between central and local authorities to tackle financing difficulties [2]. - The mechanism includes a comprehensive management approach, utilizing a "two-list" system to identify and address the financing needs of businesses, resulting in a high approval rate of 98.8% for recommended enterprises [2]. Group 2: Financial Performance - The balance of inclusive loans for small and micro enterprises in Qinghai increased from 27.739 billion to 52.34 billion, representing a year-on-year growth of 88.69% [2]. - The number of loan accounts rose from 48,900 to 128,700, marking a year-on-year increase of 163% [2]. - The average loan interest rate decreased from 5.25% to 3.96%, continuing a five-year trend of declining rates [2]. Group 3: Future Plans - Qinghai plans to conduct targeted research and outreach to further understand and meet the financing needs of small and micro enterprises, aiming to provide convenient financing services with a "zero distance" approach [3].