从“金色名片”到“金融活水”：通化多维联动破解民企融资难

Core Insights - The revitalization of the private economy in Northeast China's industrial base is crucial, with a significant transformation in financial services occurring in Tonghua City, moving away from traditional collateral-based financing to leveraging "tax credit" as a quantifiable asset for businesses [2][4] - The collaboration between tax authorities and business associations has led to the establishment of a "1+4+N" model, focusing on "credit for loans," which has resulted in 2.096 billion yuan of unsecured credit loans for trustworthy enterprises [4][6] Group 1 - The "credit" value has been deeply explored and restructured, addressing the long-standing issues of "difficult and expensive financing," particularly for small and micro private enterprises [4][6] - The establishment of a "Private Small and Micro Enterprise First Loan Service Center" aims to alleviate the "first loan difficulty" by providing targeted financial services [6][10] - A total of 15.83 billion yuan in relending has been processed since early 2025, facilitating 1.4 billion yuan in new loans to 415 private enterprises [6][10] Group 2 - The implementation of a multi-dimensional linkage mechanism among tax, business, and finance has effectively resolved financing challenges for private enterprises, enhancing their development potential [8][10] - The tax department has collaborated with financial institutions to create personalized credit products, resulting in 4.65 billion yuan in credit loans for 566 taxpayers [10] - The overall approach demonstrates that solving financing issues for private enterprises requires a systemic effort involving government, financial institutions, and social forces [10]