在科创领域，"科创E贷""兴陇知识产权贷"等产品为企业提供快速授信服务。全市累计指导56家企业通 过专利质押获得融资3.14亿元。 政府性融资担保作用持续强化。甘肃金控张掖担保公司今年1至10月为277户经营主体提供担保8.39亿 元。 目前，张掖市已逐步形成产业链闭环服务、生态价值金融化等特色模式。截至2025年10月，全市小微企 业贷款余额达512.45亿元，同比增长7.03%，有效激发了经营主体活力。下一步，张掖市将持续丰富金 融产品、优化服务流程，推动金融活水更好滋养小微企业，为地方经济高质量发展注入强劲动力。 中国发展网讯 记者王斌报道 甘肃张掖市聚焦小微企业融资痛点，积极构建多元融资服务体系，推动金 融活水精准滴灌，有效助力企业发展。 依托银税互动机制，张掖市将企业纳税信用转化为融资资本，推出全流程线上融资产品。税务部门开 展"一对一"辅导，帮助企业以纳税信用换取贷款，最快可实现3小时完成放款。截至目前，全市累计助 力3817户中小微企业获得"银税互动"贷款16.87亿元。 围绕地方产业特色，张掖市推动金融机构定制多款创新融资产品。在供应链保障领域，兰州银行通过中 征平台为山丹县公立医院上游药业供 ...

走进山东枣庄市山亭区建伟肉鸡饲养场，记者看到自动化喂料设备正将饲料投入食槽。饲养场负责人刘建伟说："在银行80万元贷款支持下，饲养 场对喂料、温控设备进行了自动化升级，养殖效益提升了20%。" 几个月前，建伟肉鸡饲养场在计划扩大养殖规模、更新养殖设备时，遇到了资金难题。"当时饲养场因营业执照注册登记日期未满两年，不符合银 行信贷的常规准入条件。"刘建伟回忆说，前期对接的几家金融机构均无法提供融资支持，项目建设一度陷入停滞。 山东亚泰新材料科技有限公司生产车间。（受访单位供图） 位于临沂市的山东亚泰新材料科技有限公司是一家国家级专精特新"小巨人"企业，近几年由于大力拓展海外市场，在流动资金、供应商货款等方 面有了新需求。公司财务负责人贾丙芹说："国外客户尤其看重公司资金流动的合规性、账户功能和国际结算效率，这对金融服务提出了新需 求。" 邮储银行临沂市分行在"千企万户大走访"中捕捉到亚泰新材料的需求后，根据企业"轻资产、高成长"的特点，为其量身定做"科创e贷+差额承 兑"的组合金融服务方案，为企业提供1500万元的流动资金贷款和3000万元的差额承兑，并给予下调利率与降低保证金比例的优惠。 支持小微企业融资协调 ...

中新网西宁11月17日电 (记者 孙睿)17日，记者从青海省"'十四五'发展成就"系列金融监管专场新闻发布 会获悉，自全国支持小微企业融资协调工作机制建立以来，青海快速构建省、市(州)、区(县)三级联动 工作体系，通过清单化管理、精准化对接、高效化服务，打通小微企业融资"最后一公里"，为全省小微 企业纾困发展注入金融活水。 青海金融监管局党委书记、局长赵江说，"十四五"期间，青海省小微企业金融服务实现增量扩面、提质 增效。全省普惠型小微企业贷款余额从277.39亿元增加到523.4亿元，同比增长了88.69%，连续5年保持 增长；贷款余额户数从4.89万户增加到12.87万户，同比增长了1.63倍；贷款利率从5.25%下降到3.96%， 连续5年保持下降。 "为进一步破解融资堵点，青海去年10月迅速响应国家部署，建立三级支持小微企业融资协调工作机 制，构建了央地协同、上下联动的工作格局，集中力量解决小微企业融资难题。"青海金融监管局普惠 金融处处长李天然说。 李天然介绍，机制运行中，青海以"两张清单"夯实对接基础，地毯式摸排经营主体融资需求，通过"青 信融"平台形成"申报清单"，经审核筛选后生成"推荐清单"推 ...

■本报记者 王爱静 近年来，浙江农商联合银行辖内瑞丰农商银行把解决小微企业融资难题作为"头号工程"，锚定实体经济 痛点，先行先试，用金融活水精准滴灌"毛细血管"，贡献了一份可复制、可推广的小微金融"瑞丰样 本"。 "以前跑贷款要带一摞材料，还得找抵押；现在手机上填完信息，两小时钱就到账了！"绍兴某小微企业 负责人对《农村金融时报》记者表示。 这样的便捷得益于瑞丰农商银行在浙江省率先创新推出的"小微流水贷"产品。"该产品一方面通过'基础 定额+动态优化'模型，实时分析企业资金往来的规模、频率、稳定性，自动匹配授信额度，避免'一刀 切'；另一方面，搭建'贷前—贷中—贷后'穿透式风控体系，既靠数据把控风险，又砍掉冗余审批环 节。"瑞丰农商银行公司金融部负责人潘亮对记者表示。 据介绍，企业主只需扫码一次即可完成"授权—查询—整合—评级—授信"五步，2小时内就能到款。截 至9月末，该行已运用资金流信息累计为绿色、科技、普惠等领域提供117.33亿元贷款支持。 绍兴是制造业大市，"品字标""政府质量奖"是企业的"质量勋章"，把这些"品字标"直接转化为融资优势 成为瑞丰农商银行服务实体的又一切入口。 今年5月份，该行联合绍 ...

Core Insights - The article highlights the challenges and resilience of small and micro enterprises in the current economic landscape, emphasizing their importance in supporting local communities and livelihoods [1][2] - The "Seeing a Hundred Directions of Confidence" public promotion plan, initiated by Citic Baixin Bank in collaboration with Xinhua News, aims to provide multi-dimensional support to small and micro enterprises through government guidance, financial assistance, and media outreach [1] Group 1: Company Initiatives - Citic Baixin Bank's business loan product focuses on addressing the financing difficulties faced by small and micro enterprises, offering quick and convenient online financial services to help entrepreneurs [2] - The collaboration with Xinhua News and the Chaoyang District government aims to enhance the visibility and support for small businesses, showcasing their stories and contributions to the economy [1][2] Group 2: Industry Challenges - The outdoor rental market is experiencing intensified competition due to the rising popularity of camping, leading to increased storage costs and a surge in customer demand for diverse equipment [2] - Small and micro enterprises, like Liu Jiajia's "Ye Mang Mang" outdoor brand, are navigating these challenges by expanding product offerings and upgrading services to maintain a competitive edge [2]

数据显示，今年前三季度，普惠小微、科创等领域贷款支持力度较大，融资成本持续下降。"十五五"时 期，科技和金融将书写更多双向奔赴的故事。 （文章来源：人民日报） 小微企业融资，难在哪？银企信息不对称，沟通、尽职调查成本高；企业往往缺少"硬抵押物"、无形资 产难估值，贷款风险高…… 支持小微企业特别是科技型企业爬坡过坎、创新发展，需想方设法畅通对接渠道。金融机构既要多跑 腿、常问需，也要勤创新、更精准。 加强走访对接，为企业雪中送炭。进园区走企业、调研终端市场，及时了解行业现状、企业潜力与困 难。面对面沟通，增进互信、搭建平台，方便后续跟进需求、陪伴企业成长。 创新技术手段，提高服务精准度。研发模型，为企业精准画像、智能评级；政策助力，给银行配套审批 权限、尽职免责……卸下思想包袱，上线激励机制，有助于补足长期资本与耐心资本供给不足的短板。 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Wuzhou Branch is committed to serving the real economy and enhancing financial services for private enterprises, with a focus on key areas of private economic development [1][2] - As of September 2025, the bank's loans to the private economy increased by 492 million yuan since the beginning of the year, demonstrating its support for local private economic growth [1] Group 1: Financial Services and Product Innovation - The bank leverages its technological financial advantages to address the urgent financing needs of small and micro enterprises through various online inclusive loan products, such as "Quick Business Loan" and "Industrial e-loan," which streamline the loan process from application to disbursement [1] - Emphasis is placed on increasing credit loan issuance to lower financing barriers for small and micro enterprises, thereby providing continuous financial support for their growth [1] Group 2: Focus on Key Industries and Sustainable Growth - The bank utilizes its strong supply chain financial service system to extend the credit of core enterprises to their upstream and downstream small and micro private enterprises, effectively addressing financing challenges at the end of the industrial chain [2] - Support is directed towards advanced manufacturing and high-tech industries with core competitiveness and growth potential, ensuring that market research and project selection are conducted under controllable risk principles [2] Group 3: Tailored Financial Solutions - The bank actively integrates into Wuzhou's investment attraction development plan, focusing on key industrial clusters such as renewable resources, new materials, and pharmaceuticals, while providing specialized financing support [2] - By leveraging years of experience in serving private enterprises, the bank aims to identify and address financing bottlenecks, offering customized financial service packages to facilitate the transformation and upgrading of private enterprises [2]

Core Insights - The event titled "Direct Access to Enterprises: Zero Distance Service" was held in Beilin District to bridge financial services and assist enterprises in overcoming financing challenges, thereby promoting high-quality regional economic development [1] Group 1: Event Overview - The event was co-hosted by various local government and business organizations, aiming to facilitate face-to-face communication between over 20 invited enterprise representatives and relevant government departments and financial institutions [1] - The focus of the event was on the financing needs of small and micro enterprises, with specific financial products introduced to cater to their diverse requirements [3] Group 2: Financial Products Introduced - Zhejiang Merchants Bank introduced targeted financial products such as "Housing Mortgage Easy Loan," "Residual Value Easy Loan," and "Digital Easy Loan," which are designed to meet the varied needs of different enterprises [3] - Agricultural Bank of China promoted the "Qianfan Fund," which focuses on supporting hard technology sectors to drive technological innovation and industrial upgrading [3] Group 3: Interactive Sessions - An interactive session was held where bank managers and enterprise representatives discussed customized financing solutions based on the enterprises' scale, operational status, and development plans [5] - The atmosphere during the discussions was described as lively, with positive feedback from participants regarding the flexibility of financing options based on actual business operations [5] Group 4: Future Initiatives - The event is part of Beilin District's efforts to deepen financial services for the real economy, with plans to follow up on the outcomes and establish a regular communication mechanism between government, banks, and enterprises [5]

Core Insights - The establishment of the national small and micro enterprise funding flow credit information sharing platform has significantly improved the financing environment for small and micro enterprises in Anhui, addressing issues such as "credit invisibility" and lack of collateral [1][2] Group 1: Financing Innovations - The funding flow information platform has created "credit portraits" for enterprises, enabling new financing pathways for "credit white households" [1] - By September 30, the platform facilitated 19.14 million queries and issued loans totaling 868.8 billion yuan to 20,600 enterprises [1] - The platform has been integrated with local specialty industries, enhancing resource aggregation and supporting technology-driven small and micro enterprises [1] Group 2: Efficiency and Accessibility - The introduction of "funding flow e-loans" by Huishang Bank has resulted in 0.94 billion yuan in loans to 44 enterprises by the end of September [2] - A three-pronged evaluation system combining cash flow analysis, financial data, and on-site due diligence has shifted the lending criteria from collateral-based to credit-based [2] - By the end of September, pure credit loans issued through the platform reached 242 billion yuan, benefiting 8,445 enterprises with insufficient collateral [2] Group 3: Rural and Regional Support - The People's Bank of China in Anhui has unified access to the funding flow information platform for 82 rural commercial banks and 4 village banks, enhancing support for rural revitalization and county-level economies [2] - As of September, 8,311 county enterprises received loans totaling 319.3 billion yuan, with targeted support for industries such as grain procurement and intelligent manufacturing [2]

该机制自去年11月建立以来，有效助力了小微企业纾困发展。目前，全市已完成对经营主体的走访 对接。在已投放贷款中，首贷户金额8.2亿元，融资覆盖面持续扩大；无还本续贷51.53亿元，缓解企业 周转压力；信用贷款111.04亿元，企业融资平均利率为4.09%，切实降低了企业融资成本。 10月27日，记者从延安市金融监管分局获悉：截至9月底，延安市通过支持小微企业融资协调工作 机制，累计为小微企业授信190.2亿元，实际投放贷款179.07亿元。 延安市金融监管分局相关负责人表示，下一步，延安市将继续优化信息填报和融资申请流程，推动 政府性融资担保机构入驻融资信用服务平台，加强"信易贷"政策宣传，促进金融机构内外数据融合，提 升"延信融"平台服务质效，更好满足各类小微企业不同发展阶段的融资需求。（记者：张佳仪） ...