奋战四季度 夺取全年胜丨十方面金融举措再加力 浙江助力个体工商户稳健发展

Core Viewpoint - Zhejiang's economy is showing steady improvement this year, but individual businesses face challenges such as rising costs and funding difficulties. The government is implementing financial support policies to help these businesses thrive [1][12]. Financial Support Initiatives - Financial institutions in Zhejiang have launched various incremental financial support policies to address common financing issues faced by individual businesses. Notable products include "Harvest Cloud Business Loan" and "Entrepreneur Guarantee Loan," which have collectively provided loans to 840,000 individual businesses across the province [5][16]. - The Zhejiang Rural Commercial Bank has introduced a new integrated support model combining finance, rural tourism, and specialty agriculture, allowing local entrepreneurs to apply for credit loans up to 30 million yuan [1][12]. Loan Statistics - As of the end of November, the balance of inclusive small and micro loans, including those for individual businesses and small business owners, reached 5.68 trillion yuan, making it the highest in the country [7][19]. Future Funding Plans - Zhejiang Rural Commercial Bank plans to allocate 150 billion yuan in special funds over the next three years to meet the funding needs of individual businesses [10][21]. Policy Framework - A collaborative effort among multiple departments and financial institutions has resulted in the release of 10 specific financial policies aimed at supporting individual businesses. These policies focus on stabilizing financing expectations and enhancing policy benefits [9][23]. - The provincial market supervision bureau is promoting the conversion of intangible assets such as trademarks, patents, and quality management certifications into loan qualifications, helping individual businesses to activate assets and expand operations [12][25].