牵引带动贷款投放近50亿元！“青融”模式让政策资金动能更澎湃

Core Viewpoint - The "Qingrong" financing model in Qingdao is an innovative mechanism designed to channel central bank funds into key sectors of the real economy, demonstrating significant leverage effects and benefiting numerous market entities by providing low-cost loans [1][2]. Group 1: Mechanism Construction - The "Qingrong" model is built on a "four-party linkage" collaborative mechanism involving industry departments, central bank funding, fiscal guarantees, and financial institutions to effectively address cash flow issues faced by businesses [2][3]. - A special quota of 9 billion yuan has been established to support three sub-models: "Qingtrade," "Qingtech," and "Qingbenefit," providing stable low-cost funding for various sectors including foreign trade and technology innovation [2][3]. Group 2: Financial Support and Risk Mitigation - Fiscal guarantees are utilized to create a risk buffer, alleviating banks' concerns and enhancing their willingness to lend [3][5]. - Financial institutions are encouraged to customize credit products and streamline approval processes, exemplified by a rapid loan approval of 9 million yuan at a low interest rate of 2.9% for a company experiencing a 50% increase in orders [3][5]. Group 3: Implementation and Monitoring - The People's Bank of China in Qingdao has taken a proactive role in top-level design and mechanism construction, issuing clear guidelines for the model's support scope and operational processes [4][5]. - Continuous monitoring and feedback mechanisms are established to track the effectiveness of policy implementation, ensuring that any obstacles in the policy transmission process are promptly addressed [5]. Group 4: Practical Outcomes - The "Qingrong" model has successfully facilitated the disbursement of 4.851 billion yuan in loans, benefiting 704 market entities by effectively translating macroeconomic policy intentions into tangible support for micro-level businesses [1][2].