我市上线《电子手册》，帮助资金供需两端精准对接

Core Viewpoint - Nanjing is implementing a series of financial policies to enhance the synergy between fiscal and financial measures, aiming to support the real economy and stimulate market vitality through a comprehensive approach to policy integration [1][2]. Group 1: Financial Policy Tools - The city has developed a "Fiscal + Financial" policy electronic manual that outlines 60 policy products to help enterprises access financial support easily [1]. - The fiscal department is focusing on a more proactive fiscal policy by 2026, integrating various tools such as investment, loans, guarantees, and insurance to empower the real economy [1][2]. Group 2: Investment Empowerment - Nanjing is creating a "4+N" industrial fund to support technology, industry, and talent, facilitating industrial cultivation and the transformation of technological achievements [1]. - The city aims to enhance the effectiveness of investment tools to strengthen supply chains and promote technological advancements [1]. Group 3: Loan Support - The city is implementing loan interest subsidies in collaboration with national and provincial levels, reducing the effective loan interest rate for enterprises significantly, for example, from 2.9% to 0.9% after subsidies [1]. - In 2025, the city plans to allocate 80 million yuan for loan interest subsidies, which is expected to mobilize 17.4 billion yuan in social financing [1]. Group 4: Guarantee and Insurance - The city is enhancing credit guarantees for small and micro enterprises, providing upfront guarantee fee subsidies and backend risk compensation [2]. - The upgraded "Ningke Loan" product will support more technology enterprises by extending the loan period from 1 year to 3 years, with an expected allocation of over 48 million yuan for guarantee fee subsidies in 2025, leveraging a financing scale of approximately 26.794 billion yuan [2]. Group 5: Policy Accessibility - The electronic manual categorizes policies into four types: loans, guarantees, insurance, and investment, and organizes them by central, provincial, and municipal levels, facilitating easy access for enterprises [2]. - The manual is available on the "Ningqi Tong" platform, allowing for precise and quick connections between funding supply and demand [2]. Group 6: Future Initiatives - The fiscal department plans to promote financial policies across various sectors, including departments, parks, and enterprises, to inject new momentum into Nanjing's economic and social development [3].