齐鲁晚报齐鲁壹点张翔 发布会上，枣庄市发展改革委党组成员、副主任刘丽娟介绍全市支持小微企业融资协调工作机制建立以来工作开展相关情况。刘丽娟说，在工作机制搭建 方面，枣庄市贯彻落实国家和省部署要求，迅速建立工作机制，实现了从政府到银行、从市到区(市)的无缝对接和同频共振。市级层面，由市发展改革 委、枣庄金融监管局牵头，联合科技、工信、农业农村、市场监管等部门建立支持小微企业融资协调工作机制。区(市)层面，指导各区(市)和枣庄高新 区，参照市模式成立工作协调机制，由政府主要负责同志任召集人，并从相关部门和金融机构抽调精干力量，组建工作专班，阶段性实行集中办公。银行 层面，各银行机构均组建工作专班，完善内部流程，明确专门人员，主动对接小微企业。 刘丽娟提到，在提升工作质效方面，枣庄市组织各区(市)工作专班开展"千企万户大走访"，主动上门问需于企。我们编制了流程明白纸，明确"千企万户大 走访"、集中办公、初审、"五项标准审核"、推送、组长审批、银行授信、统计报表等8个方面25项工作流程及注意事项，为基层高效走访、金融机构精准 对接、小微企业便利获贷提供保障。开展"融资辅导"服务，对清单内暂不满足授信条件的企业，由专班 ...

Group 1 - Qi Commercial Bank's Weifang branch successfully issued a 2 million yuan small export loan to a green food company in Shandong, addressing the company's urgent cash flow needs [1] - The green food company specializes in the processing and sale of fruits and vegetables and faced cash flow pressure due to a recent export order requiring significant upfront investment [1] - Since the launch of the small and micro enterprise financing coordination mechanism in November last year, Qi Commercial Bank has taken significant actions to alleviate financing difficulties for small and micro enterprises [1] Group 2 - The financing coordination mechanism has expanded the coverage of loan policies, effectively reducing the refinancing pressure and financing costs for small and micro enterprises [1] - A livestock company in Gaomi City, which raises lake sheep, faced challenges in procuring feed and raw materials due to an expiring loan [1] - The Weifang branch of Qi Commercial Bank is focusing on building the small and micro enterprise financing coordination mechanism to provide high-quality, convenient, and efficient financial services [2]

Core Insights - The financial regulatory authority has reported significant progress in supporting micro and small enterprises (MSEs) financing, with over 90 million MSEs visited and new credit of 23.6 trillion yuan issued by banks as of June 2025 [1] - The establishment of a coordinated work mechanism for MSE financing reflects the need for multi-party participation to enhance financing accessibility for these enterprises [1] Group 1: Financing Mechanism - As of June 2025, banks have issued new loans totaling 17.8 trillion yuan, with credit loans making up 32.8% of the total [1] - The coordinated work mechanism was established in October 2024 by the financial regulatory authority and the National Development and Reform Commission to support MSE financing [1] Group 2: Local Initiatives - In Tongliao City, the government has implemented a "direct" support mechanism for enterprises, focusing on financing, approval processes, and debt clearance [2] - By the end of May this year, Tongliao City had cleared 1.69 billion yuan in overdue payments to enterprises and addressed 415 enterprise requests [1][2] Group 3: Financial Services - The People's Bank of China in Tongliao has developed a differentiated service system to cater to the unique financing needs of MSEs, resulting in over 15% growth in loans for 30 consecutive months [2] - Financial institutions in Tongliao are providing tailored credit solutions to meet the diverse funding requirements of small enterprises, supporting their sustainable development [2]

Group 1 - The core viewpoint of the article highlights the transformation and upgrading of private enterprises in Wenzhou, particularly Zhejiang Dingbo Plumbing Manufacturing Co., Ltd, in response to global trade challenges and rising costs [3][4] - Dingbo Plumbing is transitioning from producing civilian soft connections to industrial products, indicating a strategic shift to enhance competitiveness in the market [3][4] - The company has established a dual production line, combining advanced digital manufacturing with traditional methods, showcasing its adaptability and innovation [3][4] Group 2 - The financial support mechanism established by the National Financial Supervision Administration aims to alleviate financing difficulties for small and micro enterprises, optimizing the business environment and ensuring better access to financial services [4][8] - Wenzhou's small and micro enterprise financing coordination mechanism has successfully identified active business entities like Dingbo Plumbing, facilitating tailored financing solutions such as a 5 million yuan loan from Industrial and Commercial Bank of China [4][8] - The mechanism emphasizes a collaborative approach involving multiple departments to enhance the precision of financial support and improve the efficiency of loan distribution [8][10] Group 3 - The article discusses the successful implementation of a "one enterprise, one policy" financing strategy, which has been beneficial for enterprises like Dingbo Plumbing, allowing them to reduce operational costs [7][10] - The financial institutions in Wenzhou are utilizing big data for credit assessments, addressing specific challenges faced by foreign trade enterprises, such as low tax payments due to export tax rebates [8][10] - The article also highlights the case of Zhejiang Ruide Machinery Co., which, similar to Dingbo Plumbing, has benefited from the financing coordination mechanism, receiving a 1 million yuan loan within two working days [9][10] Group 4 - The article emphasizes the importance of the "no repayment renewal loan" policy, which has been implemented to assist enterprises in managing cash flow challenges, particularly for medium-sized enterprises [17][19] - Wenzhou has seen significant growth in the balance of no repayment renewal loans, indicating a robust response to the financing needs of local businesses [19][20] - The financial coordination mechanism has expanded its reach to include all foreign trade enterprises, reflecting a comprehensive approach to supporting the local economy [19][20]

Core Viewpoint - The financing difficulties faced by small and micro enterprises in China are being addressed through a newly established coordination mechanism aimed at improving access to credit and reducing the cost of financing [1][2][3] Group 1: Mechanism Effectiveness - The coordination mechanism has shown significant results, with over 70 million small and micro enterprises visited and nearly 9 million included in the recommendation list, leading to new credit issuance exceeding 18 trillion yuan and new loans of nearly 14 trillion yuan [1] - The mechanism's effectiveness and execution capabilities are validated by the data, indicating a positive impact on small and micro enterprise financing [1] Group 2: Challenges in Implementation - There are discrepancies in policy understanding leading to inconsistent execution standards across different regions, as local departments and banks interpret policies differently [1][2] - The limited risk tolerance of banks poses a challenge, as the high-risk nature of small and micro enterprises conflicts with stringent bank risk management requirements [2] - Information asymmetry and an inadequate credit evaluation system hinder the coordination mechanism, necessitating improved data platform construction by local governments to provide reliable credit assessments for banks [2] Group 3: Recommendations for Improvement - Financial institutions should ensure resource allocation, optimize internal approval processes, and innovate financial products to enhance service quality for small and micro enterprises [2] - Local government departments are encouraged to strengthen policy guidance and support, and expedite the development of local credit data platforms to provide comprehensive and accurate enterprise credit information [2][3]

Core Viewpoint - The financing difficulties faced by small and micro enterprises in China are a significant bottleneck for their growth, prompting the establishment of a coordination mechanism to address these issues effectively [1][2]. Group 1: Mechanism Effectiveness - The coordination mechanism established by the Financial Regulatory Bureau and the National Development and Reform Commission has shown significant results, with over 70 million small and micro enterprises visited and nearly 9 million included in the recommendation list, leading to new credit issuance exceeding 18 trillion yuan and new loans of nearly 14 trillion yuan [1]. - The mechanism's effectiveness and execution capabilities are validated by the data, indicating a positive impact on small and micro enterprise financing [1]. Group 2: Challenges in Execution - There are discrepancies in policy understanding leading to inconsistent execution standards across different regions, as local departments and banks interpret policies differently [1][2]. - The limited risk tolerance of banks poses a challenge, as the high-risk nature of small and micro enterprises conflicts with banks' stringent risk control requirements [2]. - Information asymmetry and an inadequate credit evaluation system hinder the coordination mechanism, necessitating the establishment of a comprehensive local credit data platform to provide reliable enterprise credit assessments [2]. Group 3: Recommendations for Improvement - Financial institutions should ensure resource allocation, optimize internal approval processes, and innovate financial products to enhance service quality for small and micro enterprises [2]. - Local government departments are encouraged to strengthen policy guidance and support, accelerating the development of local credit data platforms to provide banks with comprehensive and accurate enterprise credit information [2][3].

Core Viewpoint - The Jiangsu financial regulatory bureau has implemented a comprehensive mechanism to enhance financing accessibility for small and micro enterprises, achieving significant results in loan issuance and satisfaction levels among businesses [1][2]. Group 1: Financing Support for Key Sectors - Strong support for private enterprises has been established, with a loan balance of 7.9 trillion yuan, reflecting a year-on-year growth of 10.7% [2]. - Initiatives have been launched to stabilize foreign trade enterprises, providing credit support of nearly 500 billion yuan to 27,000 foreign trade companies this year [2]. - A tiered service approach for micro-enterprises has been initiated, resulting in an increase of 230,000 individual business loan accounts compared to the previous year [2]. - Financial talent has been mobilized to empower rural revitalization, creating a service model that combines financial expertise with grassroots governance [2]. Group 2: Service Innovations in Financial Support - A refined enterprise profiling system has been developed to enhance credit assessment efficiency by integrating various data sources [3]. - A diversified product matrix has been introduced to meet the comprehensive needs of enterprises, with over 6.5 trillion yuan in loans issued under government-bank cooperation [3]. - Specialized bank-enterprise activities have been organized to assist businesses in market expansion and consumer engagement [3]. - The "Su Yi Rong" inclusive financial service platform has been upgraded to facilitate access to various financial products for enterprises [3]. Group 3: Mechanisms for Efficient Operation - An incentive mechanism has been established to encourage banks to actively participate in small and micro enterprise financing, with performance evaluations linked to financing outcomes [4]. - A cost-reduction mechanism has been implemented, resulting in a 34 basis point decrease in the interest rates for newly issued inclusive small micro loans this year [4]. - A support mechanism has been created to assist struggling enterprises, including a "joint diagnosis" approach to help restore creditworthiness [4]. Group 4: Ensuring Effective Coordination - The Jiangsu financial regulatory bureau has swiftly established a working mechanism to guide banks in providing effective financial services [5]. - A large-scale outreach initiative has been launched to enhance financial service penetration, conducting nearly 50 bank-enterprise matching events this year [5]. - A comprehensive promotional campaign has been initiated to increase awareness of financial services and products available to businesses [5].

Group 1 - The global trade landscape is changing, and external uncertainties are rising, leading to challenges for foreign trade enterprises such as tariff barriers, order transfers, and extended payment cycles [1] - Small and medium-sized enterprises (SMEs) in Fujian and Zhejiang provinces are experiencing strong export demand but face tight cash flow and increased performance risks, which hinder their international market expansion [1][2] - The implementation of the small and micro enterprise financing coordination mechanism has provided financial support and risk assurance for foreign trade enterprises, helping them to expand internationally and stabilize their development [1][7] Group 2 - BaKe Sports, a global sports brand authorized manufacturer, is facing inventory pressure due to the need for overseas production, resulting in a significant stockpile of 200,000 pairs of shoes valued at approximately 20 million yuan [2][3] - The financing coordination mechanism has enabled BaKe Sports to secure a loan of 5 million yuan based on its order volume with Skechers, alleviating a funding pressure of about 12 million yuan [3] - Zhongyuan Machinery, a stone machinery manufacturer, has successfully expanded its international market by securing a long-term client in Turkey, supported by the financing coordination mechanism which provided a 4.3 million yuan credit loan [4] Group 3 - Dingbo Plumbing, an export-oriented plumbing manufacturing company, is under pressure from tariff barriers and rising costs, necessitating technological upgrades and product innovation [5] - The local financial regulatory authority has established a dedicated service section for small foreign trade enterprises, offering tailored financing solutions and reducing costs to support their operations [5][6] - A risk compensation fund exceeding 3 million yuan has been set up in Taizhou to support banks in providing no-repayment loans to eligible enterprises, aiming to stabilize credit expectations and reduce service concerns [6]

Core Points - The establishment of a financing coordination mechanism for small and micro enterprises is essential for stabilizing the macro economy, promoting employment, and advancing economic transformation in China [2] - The mechanism aims to address the financing difficulties faced by small and micro enterprises and the challenges banks encounter in lending [3] Group 1: Financing Coordination Mechanism - The mechanism involves the establishment of coordination at national, provincial, municipal, and county levels, with dedicated teams to facilitate communication between banks and enterprises [3] - As of June, Zhejiang has visited 4.13 million enterprises, with 982,000 included in the recommendation list, and 963,000 receiving credit support, totaling 2.6 trillion yuan in loans [4] - In Fujian, over 3.75 million enterprises have been visited, with 456,793 million yuan in loans granted to 455,700 enterprises by June 2025 [4] Group 2: Precision Matching of Needs - The mechanism focuses on eliminating information gaps between small enterprises and financial institutions by conducting extensive visits to understand financing needs [5] - In Fujian, a "grid worker + bank loan officer" team was formed to conduct thorough visits and match financial products to the specific needs of enterprises [6] Group 3: Support for Technological Innovation - The mechanism is designed to support small and micro enterprises in the technology sector by providing tailored financial products and services [8] - Companies like Zhongyuan Machinery in Fujian successfully obtained 6.4 million yuan in loans through intellectual property pledge financing, facilitated by the mechanism [8] - Zhejiang Haolian Information Technology received 3 million yuan in a no-collateral loan within three working days, demonstrating the mechanism's efficiency in supporting tech enterprises [9]

Core Insights - Small and micro enterprises (SMEs) are crucial to the economic development of Henan, acting as "capillaries" for job creation, livelihood improvement, and innovation promotion [2] - The financing challenges of SMEs, characterized by difficulty, slowness, and high costs, have been addressed through a coordinated financing mechanism established by the national government [2][3] - As of the end of June, the financing coordination mechanism in Henan has visited 7.43 million SMEs, granted credit to 1.0752 million entities, and issued loans to over 1 million SMEs, with a total credit amount of 1.04 trillion yuan and loans amounting to 946.498 billion yuan [2] Financing Coordination Mechanism - The mechanism has successfully expanded the number of first-time loan recipients to 125,300, with a total first loan amount of 68.498 billion yuan [3] - The mechanism emphasizes rapid and direct access to financing for SMEs, establishing a bridge for precise connections between banks and enterprises [3] - The average interest rate for loans issued through this mechanism is 3.66%, a reduction of 0.32 percentage points compared to before the mechanism's implementation, effectively lowering financing costs for SMEs [4] Future Directions - The Henan financial regulatory authority aims to deepen the financing coordination mechanism, focusing on maintaining loan volume, improving quality, stabilizing prices, and optimizing structure [5] - The goal is to ensure that SMEs can access loans efficiently and effectively, allowing financial resources to be more accurately directed towards these enterprises [5]