数字赋能多元增信 浙江发布金融支持个体工商户十条举措

Core Viewpoint - Zhejiang Province has announced ten financial support measures aimed at enhancing the high-quality development of individual industrial and commercial households, which constitute 64.4% of all business entities in the region, totaling 7.49 million registered households [1]. Group 1: Financial Support Measures - The measures include simplified foreign exchange payment procedures, improved cross-border fund settlement efficiency, and promotion of exchange rate hedging for individual industrial and commercial households [2]. - The province will extend loan renewal policies from small and micro enterprises to individual households, introducing a "continuous loan + flexible loan" mechanism to address temporary and seasonal funding needs [2]. - A financial service platform will be established to connect data between the "Zhejiang Financial Comprehensive Service Platform" and the "Zhejiang Individual Industrial and Commercial Household Service Online," enabling precise credit profiling and rating for individual households [2]. Group 2: Asset Utilization and Insurance Support - Zhejiang will allow the conversion of intangible assets such as trademarks, patents, and quality management certifications into loan qualifications, providing intellectual property pledge financing for eligible individual households [2]. - The province aims to promote various insurance products tailored for individual households, including "restaurant and accommodation insurance," "small and micro insurance," and "merchant insurance," while also enhancing online insurance claims and policy inquiries [2]. Group 3: Differentiated Financial Services - Financial services will be differentiated based on the development stages of individual households, offering products like "entrepreneur loans," guarantee loans, credit loans, and specialized loans for unique and quality products [3]. - Financial institutions will be encouraged to utilize the tax exemption policy on loan interest income for individual households and enhance support through comprehensive services and policy promotion [3].