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]

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 ...

众所周知，资金的无效"沉淀"，也是导致小微企业"喊渴"的一个重要原因。小微企业好不容易从银行获 得的信贷资金，往往因处于强势地位的大型企业等账款拖欠而无奈地"沉淀"在无效资产（应收账款） 上，普惠金融政策大打折扣。按照《保障中小企业款项支付条例》要求，完善保障中小企业款项支付制 度固然重要，但与之配套提供相应的"账款拖欠"融资机制同样不可缺少，因为前者解决的是账款账期与 账款回收问题，而后者解决的则是前者基础上的服务增值（融资）问题，唯有两者"双剑合璧"，方可彻 底破解小微企业应收账款账期与流动资金需求不匹配难题，而这正是做深做实融资协调工作机制的题中 应有之义。如"江苏银行版"融资协调机制，就将应收账款融资服务嵌入融资协调工作机制，协同解决应 收账款质押融资难题，让"沉淀"的无效资产转化为小微企业舒筋活血的金融"活水"。 杨孟著 5月19日，金融监管总局、央行、证监会等八部门联合制定《支持小微企业融资的若干措施》，从增加 融资供给、降低综合融资成本、提高融资效率等8个方面，提出23项工作措施。"做深做实支持小微企业 融资协调工作机制"被列为第一项工作措施。 支持小微企业融资协调工作机制（以下简称"融资协调工 ...

证券时报记者秦燕玲 今年二季度以来，全球贸易不确定性增加，我国推出系列增量政策稳就业稳经济、稳市场稳预期，推动 高质量发展。随着贸易紧张局势趋缓，多地部署支持企业抢抓外贸窗口期，明确要提升服务保障质效， 帮助企业更好地拓市场、抢订单。 加大金融支持力度是落实各项服务保障措施的关键环节，记者了解到，当前银行机构在支持外贸企业过 程中，一方面，借助一揽子增量金融政策，通过支持小微企业融资协调工作机制（下称"融资协调工作 机制"）精准对接外贸企业，及时、高效提供信贷支持；另一方面，则是强化与保险机构等协同联动作 用，共担风险，推进银行敢贷、愿贷、会贷。 助企抢抓外贸窗口期 证券时报记者梳理发现，5月以来，随着国际贸易紧张局势缓和，广东、浙江、江苏、福建、山东、云 南、重庆等多地进一步部署安排，支持企业抢抓外贸窗口期。纵观这些省市在贸易领域提出的金融支持 政策，提高出口信用保险覆盖面、强化银保联动共担风险让银行"敢贷愿贷会贷"、专项资金予以贷款贴 息支持是政策发力的三条主线。 例如，浙江省慈溪市5月13日即指出，政府端将聚焦抢抓时机提振发展信心、全面落实全链条保障、构 建内外贸一体化发展格局等方面，做好下一步工作。其 ...

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].

优化服务流程，让企业从"再等等"变"很安心"。惠企政策与企业感受之间有时会出现温差，部分原因在 于政策落地执行不够扎实。作为服务企业的一线窗口，各金融机构需重点关注基层工作人员的诉求与难 点，进一步完善尽职免责制度，厘清权责边界，解决一线人员"不敢贷"问题。纳入融资协调工作机制的 企业，原则上要在1个月内决定是否授信，如果可授信，银行要为企业开辟绿色通道，加快办理速度， 提高服务效率。 一系列努力的最终目的，都是为了压减中间环节，降低企业综合融资成本，推动信贷资金直达小微企 业。相较于大中型企业，小微企业的信用信息较难被获取、信用风险等级较难被判断，这为一些中介机 构、中间环节提供了生存空间，无形中抬高了企业的综合融资成本。建立融资协调工作机制，就是要节 约信息收集成本、压减中间环节、减少放贷成本和附加费用，实实在在降低企业财务负担。数据显示， 目前通过该机制向小微主体新发放的贷款平均利率为3.66%。 小微企业将迎来更大的金融支持力度。国家金融监督管理总局局长李云泽近日表示，将尽快推出支持小 微企业、民营企业融资一揽子政策，做深做实融资协调工作机制，并将该机制扩展至全部外贸企业。 小微企业融资难，难点之一在 ...

转自：新华财经 在小微企业融资协调工作机制开展中，华夏银行石家庄分行一是着力支持科技型企业融资发展，目前已 设立10家普惠科技金融重点机构，相关机构负责人全部具备丰富的公司信贷经验，围绕上下游、园圈 链、场景化开拓普惠科技企业业务，加强优质核心客户上下游客群拓展，深耕科技型优质客群，切实为 科技型企业发展保驾护航。二是坚持融入地方主流经济，加强与省内特色产业集群合作。从区域+行业 +客户多个维度，制定下发共计5个特色产业集群综合服务方案，包含河北首衡农副产品有限公司市场 小微商户集群、邯郸市永年区紧固件产业集群、定州市汽车及零部件产业集群等，引导机构批量获客， 推动业务可持续发展。 快捷审批流程 彰显服务速度 自融资协调机制启动以来，各机构积极响应。华夏银行张家口分行时刻关注各项客户白名单，张家口某 公司被纳入工信部设备更新和技术改造名单，张家口分行在了解到企业存在设备更新需求后，迅速对 接，同时华夏银行石家庄分行普惠金融部立即成立专项审批小组。在实地考察中，企业实际控制人对公 司的发展现状和项目情况进行了细致讲解，华夏银行石家庄分行普惠金融部立足企业需求，全面介绍华 夏银行设备更新改造贷款，并迅速出具一套极 ...

Core Viewpoint - Small and micro enterprises are crucial to the national economy, playing a significant role in promoting economic growth and stabilizing employment. Guangdong Nanhong Rural Commercial Bank is addressing the financing challenges faced by these enterprises through targeted initiatives like the "Thousand Enterprises and Ten Thousand Households" outreach program [1][2]. Group 1: Financial Support Initiatives - Nanhong Rural Commercial Bank has conducted visits to 314 enterprises, providing a total credit amount of 1.882 billion yuan and a loan balance of 1.972 billion yuan for small and micro enterprises as of the end of April [1]. - The bank has implemented a comprehensive outreach program to assess the operational conditions and financing needs of small and micro enterprises, resulting in visits to 941 enterprises this year [2]. Group 2: Collaborative Mechanisms - The bank has established a platform for cooperation among government, industrial parks, and enterprises to facilitate financial services, enhancing the effectiveness of the "Thousand Enterprises and Ten Thousand Households" initiative [3]. - A partnership agreement was signed with the Nanhong City Federation of Industry and Commerce, allowing for a pre-approval credit line of 3.2 billion yuan to support private enterprises [3]. Group 3: Tailored Financial Products - Nanhong Rural Commercial Bank has developed customized financial service plans based on the specific needs of enterprises, including a loan of 3 million yuan with an 8-year term for a high-tech energy company facing funding shortages [4]. - The bank has introduced various specialized credit products such as "Park Development Loan," "Inclusive Micro Loan," and "Water Extraction Loan" to better meet the financing needs of small and micro enterprises [4].

Core Viewpoint - The article emphasizes the importance of small and micro enterprises in stabilizing the economy, expanding employment, and improving people's livelihoods, highlighting the efforts of Industrial Bank's Urumqi branch in enhancing financial services for these enterprises [1][2]. Group 1: Financial Support Initiatives - Industrial Bank's Urumqi branch has actively implemented the small and micro enterprise financing coordination mechanism, integrating internal resources to ensure efficient operation of the mechanism [1]. - The bank has deployed over a hundred financial representatives to visit more than 500 small and micro enterprises and individual businesses, aiming to bridge the gap in financial services [1][2]. - The bank has provided over 5.6 billion yuan in credit and over 5 billion yuan in loans to small and micro enterprises and individual businesses in Xinjiang as of April 2025 [2]. Group 2: Specific Case Study - A private small and micro enterprise in Xinjiang, focused on solid waste management and recycling, received assistance from the bank's financial representatives, who facilitated a "Continuous Loan" service, allowing the company to extend repayment terms without principal repayment at maturity [1][2]. Group 3: Future Plans - The bank plans to continue advancing the small and micro enterprise financing coordination mechanism, enhancing cooperation between government, banks, and enterprises, and establishing a regular information exchange channel through the "Xinjiang Financing Credit Service Platform" [2].