Core Viewpoint - Zhejiang Province is enhancing support for individual businesses through a series of financial measures aimed at improving their development and addressing financing challenges [1][2][4]. Group 1: Financial Support Measures - As of this year, Zhejiang has 7.49 million registered individual businesses, accounting for 64.4% of its total market entities, which employ over 11 million people [1]. - A new loan model combining digital empowerment, credit evaluation, and trust-based lending has been introduced to facilitate financing for individual businesses [2]. - The "Zhejiang Individual Business Service Online" platform connects 7.49 million individual businesses with 219 banks and 14,300 bank outlets, allowing businesses to request loans via a QR code [2][3]. Group 2: Credit Evaluation and Loan Accessibility - The establishment of a credit evaluation model based on government data aims to convert the creditworthiness of individual businesses into loan eligibility [2]. - For instance, a digital shop in Quzhou received a loan at a preferential interest rate of 2.8% due to its strong credit record, significantly lower than the average rate for similar businesses [2]. Group 3: Policy and Economic Environment - The People's Bank of China has implemented structural monetary policy tools, with over 450 billion yuan allocated this year to support small and individual businesses, marking a historical high [4]. - From January to November, the average loan interest rate for small businesses in Zhejiang decreased by 0.45 percentage points, reaching a historical low [4]. Group 4: Insurance and Risk Management - Insurance institutions in Zhejiang have developed tailored products to address the risk management needs of individual businesses, providing coverage for over 45,000 businesses and risk protection exceeding 200 billion yuan this year [4][5]. - Specific products like internet food safety liability insurance have been introduced, covering 554 million food delivery orders with risk protection of 22.1 billion yuan [5]. Group 5: Banking Sector Engagement - Local banks are actively engaging with individual businesses, with initiatives like the "Deep Cultivation of Zhejiang" plan, which aims to provide comprehensive financial services to businesses in need [6]. - By the end of November, banks had issued loans totaling 26.8 billion yuan to 13,000 individual businesses, with plans to allocate 50 billion yuan to over 30,000 businesses by 2027 [6]. Group 6: Systematic Financial Ecosystem Improvement - Through digital platforms, innovative credit evaluation systems, and the proactive involvement of financial institutions, Zhejiang is systematically optimizing the financial support ecosystem for individual businesses, promoting their sustainable development and transformation [7].
浙江多部门协同加码金融支持 精准滴灌749万户个体工商户
Zhong Guo Xin Wen Wang·2025-12-25 15:22