长沙晚报掌上长沙7月12日讯（全媒体记者 吴鑫矾 陈星源）7月11日下午，万亿长行 给力湖南——长沙银行千企 万户大走访·"邀千企、汇芙蓉、聚合力"芙蓉区专场活动在芙蓉区世茂环球金融中心举行。本次活动精准聚焦中小 微企业发展痛点，通过启动政银企"共联共建"新机制、发布专属金融政策、搭建资源对接平台三大核心举措，靶 向破解"政策落地难、融资渠道窄、人才招留弱、市场拓展慢"等难题，为芙蓉区楼宇经济高质量发展注入强劲动 能。芙蓉区人力资源和社会保障局、定王台街道办事处、长沙银行金城支行相关负责人及50家企业代表共聚一 堂，共话发展。 深度走访，政策红利精准直达 今年3月，"万亿长行 给力湖南"长沙银行千企万户大走访启动，聚焦"进园区、访协会、走企业、拓商圈、联社 区、入乡村"六个阵地，通过贯穿全年、覆盖全省的大走访，面对面倾听客户心声，实打实解决企业诉求，切实 落实中央、省、市关于金融服务实体、金融支持小微企业融资的决策部署。 本次专场活动正是该行动在芙蓉区的深化落地。活动以"企业需求"为核心引擎，联合芙蓉区人社局、定王台街道 办事处，深度整合三方优势——政府精准的政策引导力、街道高效的属地服务力、银行灵活的金融资 ...

小微企业是国民经济的"毛细血管"，覆盖各行各业，关系千家万户。去年10月，国家金融监督管理总局 联合国家发展改革委建立支持小微企业融资协调工作机制，在区县层面建立工作专班，搭建起银企精准 对接的桥梁。今年5月，国家金融监督管理总局等8部门联合印发《支持小微企业融资的若干措施》，再 次强调做深做实支持小微企业融资协调工作机制。协调机制启动以来，各地积极响应、多方发力，聚焦 重点领域和企业需求，加大信贷投放力度。 协调解困稳外贸企业开拓步伐 针对外贸、民营、科技等重点领域，农行北京分行全面摸排企业经营状况和融资需求，倾斜对接帮 扶资源，精准扶持短期经营遇困企业，全力协助企业攻克难关，激发经营活力。 北京九章环境工程股份有限公司（以下简称"九章环境"）是一家专精特新"小巨人"企业，企业聚焦 膜技术应用和膜产品销售，业务版图覆盖中东、东南亚等地区。2023年，受经营环境影响，企业经营陷 入短期困境，遂向农行申请贷款。经实地调查，企业运营持续稳健，高管团队稳定，科研实力雄厚，下 游客户按期回款。为助力小微科创企业发展，农行为其发放"科技e贷"300万元，担保方式为信用方式。 2024年，九章环境经营好转。10月，企业积 ...

印发通知前，省发展改革委会同相关部门制作全省涉农经营主体融资需求摸排走访建议图，下发至 区县工作专班及各金融机构，供摸排走访参考。 省发展改革委财金处相关负责人表示，将发挥支持小微企业融资协调工作机制统筹协调作用，会同 陕西金融监管局协调相关职能部门，督促金融机构落细落实"二八"银担分险机制以及放宽小微企业不良 容忍度、普惠信贷尽职免责等政策，实现信贷资金"直达基层、快速便捷、利率适宜"，助推农业产业发 展。（记者：杨晓梅） 此次摸排，省发展改革委联合陕西金融监管局、省财政厅、省农业农村厅等部门按照农时节点，围 绕种植业、林业、畜牧（养殖）业、渔业、农林服务业以及加工流通类、农资类、粮食收购类经营主体 的生产、购销、加工、流通等各个环节，实行全闭环、动态式走访，全面梳理摸排各农业产业链上小微 企业、个体工商户、农民合作社、种养大户、家庭农场的融资需求，引导银行、政府性担保机构精准对 接，合力解决涉农经营主体融资需求。 6月13日，记者从省发展改革委获悉：陕西多部门联合印发《关于摸排农林业及粮食收购经营主体 融资需求的通知》，依托支持小微企业融资协调工作机制，在全省范围内摸排涉农经营主体融资需求， 推动金融服务 ...

Core Insights - The article discusses the efforts made by local work teams to support small and micro enterprises in securing financing through various innovative mechanisms and collaborations with financial institutions and local governments [1][2][3]. Group 1: Credit Expansion Efforts - Financial institutions have been guided to increase credit loans to small and micro enterprises, with over 18 trillion yuan in new credit granted to recommended entities [1][7]. - Innovative credit systems, such as the "Puhui Jinfen Loan" product in Tianjin, have been implemented to provide quick financing solutions, exemplified by a 10 million yuan credit approval for a tech-focused small enterprise [1]. - In Shandong Province, a vegetable cooperative received 500,000 yuan on the same day of application through a dual guarantee mechanism based on transaction data [2]. Group 2: Addressing Practical Challenges - Local work teams have actively assisted small enterprises in resolving issues related to property rights and financing refusals due to frozen equity [3][4]. - In Beijing, a construction company received a 10 million yuan loan after local authorities expedited the verification of property rights [3]. - A natural gas company in Yunnan was able to secure a 5 million yuan loan through cross-regional coordination and innovative collateral solutions [4]. Group 3: Risk Sharing Mechanisms - The establishment of risk-sharing mechanisms is crucial for improving financing access for small and micro enterprises, as highlighted by the case of an environmental company in Hunan that received a 10 million yuan loan with significant risk-sharing from local financial institutions [5][6]. - The article emphasizes the importance of developing third-party credit assessment and risk-sharing frameworks to lower the costs of obtaining credit information for financial institutions [6]. - It is suggested that financial institutions should create dedicated departments for small and micro enterprises to streamline financing processes and reduce costs [6].

针对小微企业抵押物不足的问题，银行应加大信用贷款投放力度，通过整合企业纳税、水电费缴纳等多 维度信息，运用大数据、人工智能等技术，对小微企业进行精准信用画像，给予符合条件的小微企业纯 信用贷款支持，减少企业因抵押物评估、登记等产生的费用。同时，推广无还本续贷产品，让符合条件 的小微企业在贷款到期时无须归还本金即可继续使用贷款资金，有效缓解小微企业资金周转压力，降低 企业"过桥"融资成本。 加强与政府部门、担保机构合作，构建风险分担机制，是银行降低小微企业融资风险与成本的重要策 略。银行可以通过政府风险补偿基金、担保机构增信等方式，减少自身风险，从而在利率定价和贷款条 件上给予小微企业更多优惠；与政府性融资担保机构合作，将担保费率控制在较低水平，从而降低小微 企业融资成本。 小微企业作为国民经济的"毛细血管"，在促进就业、推动创新、稳定经济等方面发挥着不可替代的作 用。目前，融资成本高仍是小微企业发展的瓶颈之一。日前，国家金融监督管理总局等八部门联合印发 的《支持小微企业融资的若干措施》，为破解小微企业融资难题提供了更加明确的政策指导和支持。 在此背景下，银行应积极响应政策，多管齐下助力小微企业降低综合融资成本 ...

Group 1 - The article emphasizes the importance of supporting small and micro enterprises in China, particularly focusing on enhancing financial services to these businesses by 2025 [1] - The Bank of China Ningbo Branch is implementing a mechanism to improve financing coordination for small and micro enterprises, targeting technology-driven and foreign trade companies [1] - The bank is utilizing specialized financial products, efficient approval channels, and dedicated service models to address the financing challenges faced by small and micro enterprises [1] Group 2 - A Zhejiang-based technology company, driven by innovation in the renewable energy sector, received 5 million yuan in credit support through a "talent loan" product, which bypasses traditional collateral requirements [2] - A Ningbo-based trading company specializing in garment exports faced a funding gap due to long accounts receivable cycles and currency fluctuations, and received 5 million yuan in credit support through an online product called "Export E-loan" [3] - The Bank of China Ningbo Branch plans to continue enhancing its financing coordination mechanism for small and micro enterprises by combining policies, products, and technology to facilitate faster and more beneficial financing solutions [3]

Core Viewpoint - The establishment of a financing coordination mechanism by the National Financial Regulatory Administration aims to address the long-standing financing difficulties faced by small and micro enterprises, facilitating the rapid and precise flow of low-cost funds to these businesses [1] Group 1: Financing Coordination Mechanism - The financing coordination mechanism has led to over 67 million business visits and the issuance of loans amounting to 12.6 trillion yuan, with approximately one-third being credit loans [1] - The mechanism is designed to deepen support for small and micro enterprises, ensuring that low-cost funds reach them quickly and accurately [1] Group 2: Optimizing Credit Supply - The banking sector is implementing the financing coordination mechanism by accurately assessing the operational status and financing needs of small and micro enterprises, aiming for loan growth rates for these enterprises to exceed the average growth rate of all loans [2] - Banks are focusing on optimizing credit structures by increasing the proportion of first-time loans, renewals, and credit loans to alleviate financing difficulties for small and micro enterprises [2] - Innovative credit loan products are being developed to assess credit status based on various data points, such as tax data and transaction flows, especially for enterprises lacking collateral [2] Group 3: Reducing Financing Costs - Banks are closely monitoring changes in the Loan Prime Rate (LPR) to timely pass on interest rate benefits to small and micro enterprises while ensuring controllable funding costs [4] - Internal processes are being simplified to improve loan approval efficiency, with financial technology being utilized to create intelligent approval systems that streamline the loan application process [4] - Specialized service teams and hotlines are established to provide timely support to small and micro enterprises during the loan consultation and application process [4]

Core Viewpoint - The National Financial Supervision Administration has issued a notice to enhance financial services for small and micro enterprises, aiming to stabilize expectations, stimulate vitality, and promote economic recovery through improved financing mechanisms and support for small businesses [1][5]. Group 1: Financial Support for Small and Micro Enterprises - The notice emphasizes the need for financial institutions to deepen support for small and micro enterprises, particularly in sectors like foreign trade, private enterprises, technology, and consumption [2][5]. - Financial institutions are encouraged to innovate credit products tailored to the unique needs of small and micro enterprises, utilizing data such as tax records and account flows to enhance credit offerings [2][4]. Group 2: Risk Management and Control - Banks are establishing comprehensive risk management systems to balance lending and risk control, ensuring that small and micro enterprises can access loans effectively [5][6]. - The implementation of a credit rating system using multi-dimensional data is suggested to better assess the creditworthiness of small enterprises and mitigate potential risks [5][6]. Group 3: Investment and Economic Growth - Financial institutions are urged to prioritize investments in agriculture modernization and rural revitalization, with specific targets for loan allocations to these sectors [3][4]. - Customized services for agricultural enterprises are being developed to ensure adequate funding and support for rural economic growth [3][4]. Group 4: Cross-Border Financial Services - Financial institutions are focusing on enhancing cross-border financial services to support small foreign trade enterprises, including risk management strategies for currency fluctuations [2][6]. - The promotion of cross-border RMB settlement services is highlighted as a means to facilitate international trade and reduce exchange costs for enterprises [2].

央视网消息：《民营经济促进法》将于5月20日正式实施，这是我国第一部关于民营经济发展的基础性法律，首次明确了民营经济的 法律地位。5月8日上午，国务院新闻办公室就民营经济促进法有关情况举行新闻发布会。发布会上，金融监管总局有关负责人介 绍，针对民营企业避灾挽损、用人用工、技术研发等方面的需求，金融监管总局开发特色保险产品，优化服务。 同时，金融监管总局会同财政部门，推动建立了覆盖全国的政府性融资担保体系，将服务小微企业作为主要的政策效益指标，这一 类业务的担保费率不超过1%，远低于商业担保水平。截至一季度末，政府性融资担保机构为小微企业提供融资直保余额1.88万亿 元，同比增长11.5%。 丛林介绍，在线上，推动多地搭建信用信息共享和金融综合服务平台，"让数据多跑路、让企业和银行少跑路"，以数据信息支持银 行发放信用贷款。截至一季度末，民营企业信用贷款余额18.1万亿元，同比增长15.4%。 国家金融监督管理总局副局长丛林介绍，在高技术领域，开展重大技术攻关分散机制、网络安全保险、无人机保险等试点。对民营 企业用工较为集中的新市民和灵活就业群体，聚焦其特定职业风险，以普惠保险产品增强保障力度。新能源汽车产业中 ...

加力支持小微企业 2024年10月，国家金融监督管理总局、国家发展和改革委员会牵头建立支持小微企业融资协调工作机 制，搭建银企精准对接的桥梁，探索破解小微企业融资难的新路径。广发银行积极推动支持小微企业融 资协调机制落地见效，在多地开展"千企万户大走访"，深入企业摸排经营情况和融资需求，持续丰富产 品体系，不断提升服务质效。 主动靠前，精准把脉问需。全行各级专项工作小组持续摸排小微企业融资需求，对接意向客户，对有融 资需求的客户"面对面"问需、"点对点"帮助，搭建银企精准对接的桥梁，积极探索破解小微企业融资难 的新路径。结合实际，丰富产品体系。广发银行持续加大产品创设力度，通过线上线下相结合的方式， 为客户提供"7×24小时"优质服务，高效满足客户融资需求，将更有温度的广发金融服务送到小微企业身 边。因地制宜，提升服务效率。广发银行积极强化金融科技手段运用，提升对小微企业信用评估、风险 识别能力，加快贷款审批落地，不断提升金融服务的可得性、便利性。 推动房地产平稳发展 在落实城市房地产融资协调机制方面，广发银行多措并举引导全行与当地政府、相关部门、房地产企业 信息共享、同向发力，按照"白名单"项目扩围增效要求 ...