邹城普惠金融打通服务“最后一公里”

Core Viewpoint - The financial regulatory bureau of Zoucheng aims to enhance the high-quality development of the county economy by implementing a "Financial Services into Ten Thousand Enterprises" initiative, focusing on precise financing needs, innovative insurance models, and optimized financial services to create an inclusive financial service system that effectively reaches market entities [1] Group 1: Financing Solutions - The introduction of a "bank + town" joint visit model to address financing difficulties in key sectors, with 1-2 banks matched to each town based on local industry characteristics, resulting in 56,000 enterprises visited and over 5,000 effective financing needs identified [2] - A total of 4,899 enterprises were recommended for financing, with 116.4 billion yuan allocated to 4,655 entities [2] - The role of "financial deputy town heads" has been established, with 16 financial professionals assigned to towns to assist small and micro enterprises in understanding policies and addressing financing needs [2] Group 2: Insurance Innovations - Innovative insurance services have been developed, including coverage for "Zoucheng Mushroom" brand against geographical trademark infringement losses, expanding risk protection [3] - Insurance services have been extended to cover the entire process from pre-incident to post-incident, with 16 water pumps provided to assist farmers in flood management [3] - Collaborative services between banks and insurance institutions have been promoted, offering comprehensive support including financial guidance and safety training, with eight training sessions conducted [3] Group 3: Enhancing Financial Services - The introduction of a "financial consultation" mechanism to provide targeted support for struggling enterprises through joint diagnostics and strategies from banks and financing guarantee institutions [4] - Promotion of customized credit products based on big data from tax, business, and transaction flows, including innovative offerings like "Credit E-loan" and "Tax E-loan" [4] - Efforts to reduce financing costs have led to a 0.9 percentage point decrease in the interest rates of newly issued loans for small and micro enterprises [4]