“金融有为”地方纵横谈丨以信用下沉为核心的地方特色金融服务模式

Core Viewpoint - The article emphasizes the importance of local governments leveraging local financial institutions to enhance financial services for small and medium-sized enterprises (SMEs), addressing their financing challenges and contributing to economic resilience and vitality [1][2]. Group 1: Building a Local Financial Service Ecosystem for SMEs - Local governments should utilize local financial resources, focusing on the advantages of local banks and rural banks that are familiar with regional enterprises, to innovate credit granting methods and risk control models [3]. - Establishing a robust risk-sharing and credit enhancement system is crucial for SME financing, requiring local governments to implement mechanisms such as financial risk compensation funds and government-backed financing guarantees [4]. - Innovating financial supply models to create a comprehensive service system tailored to the characteristics of SMEs is essential, with an emphasis on digitalization and scenario-based services [5]. Group 2: Taizhou's Experience in Financial Services for SMEs - Taizhou has developed a specialized financial system for SMEs, primarily through local banks, effectively channeling financial resources to county-level and small enterprises [6]. - The city has implemented a "small bank serving small enterprises" model, with local banks adopting differentiated inclusive finance methodologies to address credit shortages faced by SMEs [6]. - Taizhou has established three platforms to support local financial institutions: a credit information sharing platform, a trademark pledge financing platform, and a credit guarantee fund for SMEs, enhancing financing accessibility and reducing costs [7]. Group 3: Legal Framework Supporting SME Financing - Taizhou has pioneered enterprise credit legislation, with the implementation of the "Taizhou Enterprise Credit Promotion Regulations," which solidifies the achievements of local financial reforms and provides legal support for ongoing improvements [8]. - The unique financial model in Taizhou has facilitated the rapid growth of numerous SMEs with technological advantages, contributing to a significant increase in market entities and the number of listed companies in the region [8].