“政银担”携手破解融资难

Core Viewpoint - The "Government-Bank-Guarantee" collaboration model in Chaozhou is effectively addressing financing challenges for small and micro enterprises, enhancing local economic development through innovative financial solutions [2][3][4]. Group 1: Financial Collaboration and Impact - The "Hundred-Thousand Project" credit risk compensation fund was established with a total of 5 million yuan from provincial and municipal fiscal funds, marking the first of its kind in the province [2]. - This model has successfully leveraged over 3.09 billion yuan in bank credit support for the "Hundred-Thousand Project," serving 154 clients with a leverage ratio of 62 times [3][8]. - The financing guarantee balance has exceeded 16.9 billion yuan, with a capital multiplier of 13.4 times, demonstrating the effectiveness of the collaboration [5][8]. Group 2: Product Innovation and Service Delivery - The company has developed tailored financial products such as "Ceramic Quick Guarantee" and "Stainless Steel Quick Guarantee" to meet the specific needs of local industries, moving from general support to structural empowerment [6]. - The introduction of the risk compensation fund has facilitated deep cooperation with major banks, resulting in the launch of efficient financial products that significantly reduce loan approval times [4][6]. Group 3: Economic and Employment Benefits - In 2025, the company served 612 enterprises, stabilizing nearly 20,000 jobs and reducing financing costs by 2,997 million yuan [8][9]. - The financing cost for enterprises has been notably lowered, with some clients reporting a reduction in comprehensive financing costs by nearly one-third compared to standard loans [9].