润泽山城千帆竞 金融支持中小微企业发展的通化实践

Group 1: Company Development - Jianxin Technology Co., Ltd. is rapidly assembling core smelting components for a large nickel-iron project in Indonesia, supported by a comprehensive credit line of 350 million yuan from China Construction Bank [1] - The company has evolved from a brick factory repair workshop to a "manufacturing single-item champion demonstration enterprise" and a national-level specialized and innovative "little giant" enterprise, being the only one in Tonghua to receive two national honors [1] Group 2: Financial Support for SMEs - The People's Bank of China Tonghua Branch has been instrumental in providing financial support to small and micro enterprises, establishing a unique financial support path for their development [2][3] - The bank has set clear credit growth targets and has developed a comprehensive evaluation system to assess the effectiveness of monetary credit policies, resulting in a loan balance of 115.52 billion yuan in the Tonghua area by November 2025 [4] Group 3: Policy and Mechanism Innovation - The bank has implemented a "1+3" mechanism to enhance credit cultivation, which includes a cross-departmental coordination mechanism, a financial advisory system for private enterprises, and a service center for first-time loan applicants [7] - A new "batch credit granting" model has been introduced for the ginseng industry, allowing for the establishment of credit files for 3,396 operating entities, achieving a total credit of 1.35 billion yuan with a 100% credit approval rate [8] Group 4: Product Innovation and Service Expansion - Financial institutions in Tonghua have innovated products tailored to local needs, such as the "Huinong e-loan" for border residents and a unique loan for personal forest ginseng property [9] - The People's Bank of China Tonghua Branch has organized numerous financial matching events, facilitating financing intentions amounting to 3.946 billion yuan for 1,854 market entities [9] Group 5: Impact on Local Enterprises - Tonghua Daming Dairy has benefited from continuous financial support, receiving a total of 39.07 million yuan in loans, which has helped the company transform and recover post-pandemic [10][11] - The financial services provided have significantly contributed to the economic vitality of Tonghua, with timely credit funds supporting numerous enterprises and enhancing the overall economic landscape [11][12]