“四贷联动”引来金融活水

Core Viewpoint - The article discusses the innovative financing support mechanisms for small and micro enterprises in Suzhou, emphasizing the "Four Loan Linkage" system that addresses the financing difficulties faced by these businesses during the "14th Five-Year Plan" period [1][3]. Group 1: Financing Mechanisms - Suzhou has introduced a comprehensive financing support system for small and micro enterprises, including first loans, credit loans, no-repayment renewal loans, and transfer loans, collectively known as the "Four Loan Linkage" [1][3]. - As of December 19, the total amount of loans issued to support small and micro enterprises reached 1.35828 trillion yuan, with 7,733 first loan recipients receiving 39.52 billion yuan, and 56,000 credit loans amounting to 389.44 billion yuan [1]. Group 2: Collaborative Efforts - The financing coordination mechanism involves collaboration among government, banks, and enterprises, creating a three-tiered working network that spans from city to town levels [3]. - A professional team of over 5,000 members has been organized to conduct extensive outreach to businesses, resulting in significant achievements in financing support [3]. Group 3: Case Studies - Suzhou Hongguangxing Electronic Technology Co., Ltd. received a quick loan of 6 million yuan from a bank after submitting its funding needs through the "Yiqirong" platform, highlighting the efficiency of the financing support system [2]. - Kunshan Depry Precision Mould Co., Ltd. successfully navigated its financing challenges through the "Four Loan Linkage" mechanism, establishing a long-term relationship with banks despite initial lack of credit history [5][6]. Group 4: Innovative Policies - The "no-sense transfer loan" policy allows enterprises to seamlessly transition from old loans to new ones without needing to repay upfront, effectively addressing liquidity issues [7][9]. - A case involving a sports equipment company illustrates the effectiveness of this policy, where the company was able to secure a transfer loan quickly, ensuring continuity in operations without financial disruption [8][9].