浙江“个体工商户金融十条”来了

Core Viewpoint - Zhejiang Province has introduced the "Ten Financial Measures to Support Individual Businesses" aimed at addressing the urgent needs of individual businesses, focusing on aspects such as foreign trade support, financing stability, digital empowerment, and one-stop services to promote high-quality development [1][3]. Group 1: Financial Support Measures - The "Ten Financial Measures" include simplifying foreign exchange payment procedures, enhancing cross-border fund settlement efficiency, and promoting currency risk hedging for individual businesses [3][4]. - The measures expand the renewal loan policy from small and micro enterprises to individual businesses, introducing a "continuous loan + flexible loan" mechanism to meet temporary and seasonal funding needs [4][5]. - The initiative aims to convert intangible asset values, such as trademarks and patents, into loan qualifications, providing intellectual property pledge financing for individual businesses [4][5]. Group 2: Classification and Targeted Assistance - The policy encourages low-threshold "entrepreneurial loans" for "startup" individual businesses, guarantees loans for "survival-type" businesses, and offers credit loans and expedited approvals for "growth-type" businesses [5][6]. - A focus on providing tailored support based on the different development stages of individual businesses is a significant highlight of the measures [5][6]. - The initiative also emphasizes increasing credit allocation and consumer finance resources, enhancing service reach through online and offline methods, and establishing comprehensive service centers for one-stop services [5][6]. Group 3: Digital Empowerment and Credit Evaluation - Zhejiang Province has developed a new financing model centered on credit, creating a closed-loop system of "digital empowerment + credit evaluation + credit-based lending" to convert credit evaluation results into usable loan qualifications [6][7]. - The "Zhejiang Individual Business Service Online" platform connects 7.49 million individual businesses with 219 banks, addressing the information asymmetry in loan applications [6][7]. - The credit evaluation model, built from public data, allows for precise profiling and rating of individual businesses, facilitating easier access to credit loans and better interest rates for those with high credit ratings [7].