为做好普惠金融大文章，进一步改善小微企业、个体工商户融资状况，金融监管总局、中国人民银行、中国证监 会、国家发展改革委、工业和信息化部、财政部、税务总局、市场监管总局于近日联合印发了《支持小微企业融 资的若干措施》（以下简称《若干措施》）。 《若干措施》着重发挥监管、货币、财税、产业等各项政策合力，从增加融资供给、降低综合融资成本、提高融 资效率、提高支持精准性、落实监管政策、强化风险管理、完善政策保障、做好组织实施等8个方面，提出23项工 作措施。 小微企业活，则市场兴。去年以来，金融监管总局等相关部门不断出台政策和措施，统筹解决小微企业融资难和 银行放贷难的问题。 在降低小微企业综合融资成本方面，《若干措施》表示，指导银行结合贷款市场报价利率（LPR）、自身资金成 本和小微企业客群特征，合理确定小微企业贷款利率。降低贷款附加费用，指导银行清理违规收费，规范与第三 方合作。坚决整治金融领域非法中介乱象。 《若干措施》还要求提高小微企业融资效率，具体包括：稳妥发展线上贷款，指导银行利用科技手段改进授信审 批和风险管理模型，及时完善反欺诈模型规则和技术手段。提高线下贷款办理效率，合理精简申贷材料，优化审 批流程 ...

八部门：在融资对接基础上 注重协调解决小微企业实际经营困难 智通财经5月21日电，国家金融监督管理总局等八部门联合印发《支持小微企业融资的若干措施》，做 深做实支持小微企业融资协调工作机制。金融监管总局、国家发展改革委牵头进一步发挥支持小微企业 融资协调工作机制作用，各省、市、区县健全完善工作机制。深入开展"千企万户大走访"活动，全面摸 排小微企业经营状况和融资需求，把符合条件的小微企业推荐给银行，实现银行信贷资金直达基层、快 速便捷、利率适宜。在融资对接基础上，注重协调解决小微企业实际经营困难，激发小微企业经营活 力。鼓励向外贸、民营、科技、消费等重点领域倾斜对接帮扶资源，加大支持力度。 ...

Core Viewpoint - The joint issuance of measures by the National Financial Supervision Administration and eight other departments aims to strengthen the regulation of loans to small and micro enterprises, ensuring differentiated supervision and enhancing credit support for these businesses [1] Group 1: Policy Implementation - The measures emphasize the need for differentiated regulatory policies for small and micro enterprises, focusing on optimizing credit allocation and risk prevention [1] - Large commercial banks are encouraged to continue their role as the main force in serving the real economy and maintaining financial stability, while small and medium-sized banks are guided to leverage their geographical and relational advantages to support financing for small and micro enterprises [1] Group 2: Credit Support Enhancement - There will be an increase in financing support for compliant small and micro enterprises with stable operations, genuine financing needs, good credit status, and lawful loan purposes [1] - The measures call for an increase in the issuance of first-time loans, credit loans, medium to long-term loans, corporate loans, and loans to private enterprises, aiming to optimize the structure of loans for small and micro enterprises and enhance service precision [1] Group 3: Structural Monetary Policy - The use of structural monetary policy tools, such as re-lending for agriculture and small enterprises, will be employed to guide financial institutions in expanding credit support for small and micro enterprises [1]

Core Viewpoint - The joint measures by eight departments aim to support small and micro enterprises in financing through equity, facilitating their listing on the New Third Board and subsequently on the Beijing Stock Exchange after meeting growth standards [1] Group 1: Support for Small and Micro Enterprises - The measures encourage eligible small and micro enterprises to list on the New Third Board, promoting their growth and eventual transition to the Beijing Stock Exchange [1] - The initiative aims to attract more social capital towards innovative small and medium enterprises, fostering growth among related small and micro businesses in the industry and supply chain [1] Group 2: Financial Management and Investment - Local financial management departments are supported to enhance their services for small and micro enterprises in terms of standardized cultivation and equity financing [1] - Venture capital funds are encouraged to increase their equity investments in early-stage and growth-oriented small and micro enterprises [1] - The government investment fund performance evaluation mechanism is being optimized to extend the evaluation period and increase risk tolerance, promoting early and small investments [1]

二是深入摸排，精准把握需求。自去年11月初"千企万户大走访"活动开展以来，伊春市各县（市）区工 作专班深入辖区，共走访3642户企业，其中小微企业2333户，个体工商户1251户，其他经营主体58户。 工作人员与企业深度交流，详细了解经营状况与融资需求，为后续精准扶持提供了第一手资料。 中国发展网讯 记者林强报道 为推动小微企业蓬勃发展，助力地方经济稳步回升，伊春市积极响应全省 支持小微企业融资协调工作机制动员部署视频会议号召，伊春市发改委会同伊春金融监管分局等多部 门，打出一套助力小微企业融资的"组合拳"，切实解决小微企业融资"难、贵、慢"困局。 一是构建机制，凝聚各方合力。伊春市发改委牵头组织召开协商会，广纳市科技局、工信局、财政局及 人民银行等职能单位的建议，构建起市、县两级支持小微企业融资协调工作机制，成立工作专班，明确 各方职责，确保责任层层落实，工作有序推进，为融资工作筑牢根基。 三是精准对接，畅通融资渠道。在市级工作机制引领下，走访范围进一步拓展，涵盖多种经营主体。全 市264户有融资需求的企业中，已纳入推荐清单260户。通过与银行机构的紧密协作与信息共享，已授信 企业183户，金额21760. ...

Core Insights - The rapid development of the Luogou Riverside Agricultural Market in Erqi District has attracted nearly 400 merchants since its trial operation began in January last year, achieving an average daily transaction volume of 15 million yuan, making it the largest distribution center for agricultural products in the southwestern region of Zhengzhou [2][3] Group 1: Financial Support and Coordination - The Erqi District has initiated a "thousand enterprises, ten thousand households" outreach program to address the financing needs of local businesses, particularly the Luogou Market, which faced funding pressures for its second phase of construction [3][4] - A specialized financial service plan was quickly developed by the district's Development and Reform Commission in collaboration with the financial office, resulting in a 2 million yuan loan being disbursed within two working days [3][4] - The Jin Yuan Petrochemical Company, a small enterprise in Xiangyun Community, successfully coordinated with the bank to clear old debts and secure a new loan of 1.5 million yuan to expand production [3][4] Group 2: Service Network and Innovation - Since October 2024, the Erqi District government has prioritized the coordination of financing for small and micro enterprises, establishing a three-tier service network that combines local management with industry oversight [4][5] - The district has implemented a grassroots service approach, utilizing community workers to identify businesses in need of funding and provide detailed explanations of small loan policies [4][5] - A face-to-face communication platform has been created to facilitate direct interactions between government, banks, and enterprises, enhancing the understanding of financing options among small business owners [5][6] Group 3: Economic Impact and Growth - As of April 2025, the Erqi District has assisted nearly 26,000 enterprises in applying for financing, with over 23,000 entering the recommendation list and more than 20,000 receiving credit, totaling 7.86 billion yuan in loans [6] - These financial resources have been crucial in revitalizing market entities and fostering new economic growth points, particularly in sectors like electronic information and smart logistics [6]

Core Insights - The article highlights the entrepreneurial journey of Li Qingxiu, who transitioned from a stable corporate job to starting a home service training company, recognizing the market potential during her search for a maternity nurse [1][2] - The company initially faced funding challenges during its growth phase, which were addressed through loans from Postal Savings Bank, enabling the establishment of a modern training facility [1][2] Group 1: Company Development - Li Qingxiu's company focuses on professional home service training, including areas such as infant care and maternal support, and has expanded its service offerings to create a complete industry chain [2] - The company has successfully built a modern training classroom that integrates theory and practice, contributing to local employment opportunities for women [2] Group 2: Financial Support and Growth - The Postal Savings Bank has been proactive in supporting small and micro enterprises, with a focus on understanding their financing needs and facilitating loan applications [2] - In 2023, the bank has disbursed over 260 million yuan in loans in Xingguo County, serving more than 1,100 clients, demonstrating its commitment to small business support [2]

Core Viewpoint - The Chinese government is set to enhance financial support for small and micro enterprises (SMEs) and private enterprises through a comprehensive financing policy aimed at improving communication between banks and businesses, thereby addressing the financing difficulties faced by SMEs [1][2][3] Group 1: Financing Support Mechanism - A new "Financing Coordination Work Mechanism" has been established by the National Financial Regulatory Administration and the National Development and Reform Commission to facilitate financing for SMEs, which includes measures such as establishing special teams, grassroots visits, supply-demand matching, and policy promotion [1] - The mechanism aims to alleviate information asymmetry between banks and SMEs, with a focus on local county-level implementation to ensure effective communication and support [1][2] - As of now, over 67 million business entities have been visited, resulting in loans amounting to 12.6 trillion yuan [1] Group 2: Service Optimization - Financial institutions are encouraged to optimize service processes to reduce the time taken for credit decisions to within one month for enterprises included in the financing coordination mechanism, thereby creating a green channel for faster processing [2] - The average interest rate for new loans issued to SMEs through this mechanism is currently 3.66%, reflecting efforts to lower overall financing costs [2] Group 3: Expansion to Foreign Trade Enterprises - The financing coordination mechanism will soon be extended to all foreign trade enterprises, with financial institutions required to adopt a tailored approach based on the specific characteristics of different industries [3] - The focus will be on ensuring that compliant enterprises with genuine financing needs and good credit status can access funds efficiently [3]

5月15日，记者从市发展改革委获悉，截至4月底，自贡市金融机构已为7520户小微企业发放贷款126.4 亿元，其中普惠小微贷款占比达70.3%。 "小微企业是经济发展的'毛细血管'，是创新创造的'活力源泉'，是促进就业、改善民生的重要力 量。"市发展改革委相关负责人介绍，"我委积极落实市委、市政府决策部署，牵头建立小微企业融资协 调工作机制，组织各区县累计走访市场主体19.2万户，搭建起政银企沟通'连心桥'，千方百计帮助小微 企业纾困解难，引导信贷资金'精准滴灌'，推动小微企业金融服务工作取得积极进展。" 何源杰 自贡融媒记者 刘晓丹 据了解，自小微企业融资协调工作机制建立以来，相关区县因地制宜、精准施策，全力打通融资"堵 点"，助力小微企业融资拓面增效。其中，自流井区推动13家金融机构增设小微企业专柜，开通审批"绿 色通道"，提高审批效率，帮助729户小微企业融资25.96亿元。沿滩区创新推出"惠企政策计算器"和"金 融超市"，对小微企业"精准画像"，智能匹配适合企业的金融产品，并提供全套办理指南，帮助539户小 微企业融资14.14亿元。荣县创设"茶陶贷""陶兴贷"等创新型贷款产品，扶持茶、陶瓷产业发展， ...

Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro enterprises are experiencing difficulties in financing due to prolonged cash flow cycles and reduced sales revenue, making it hard to secure loans from banks [1] - The average annual growth rate of loans to private enterprises has exceeded that of all loans by 1.1 percentage points over the past five years, indicating a growing support for these businesses [1] Group 2: Policy Initiatives and Financial Support - The recent passage of the "Private Economy Promotion Law" emphasizes financial support for the private sector, with specific measures aimed at improving the accessibility and convenience of financial services [2] - Financial regulatory authorities are establishing mechanisms to facilitate low-cost funding directly to enterprises, optimizing policies like non-repayment renewal loans to reduce capital turnover costs [3] Group 3: Financial Coordination and Efficiency - A comprehensive package of policies is being introduced to support financing for small and micro enterprises, focusing on increasing supply, reducing costs, improving efficiency, and creating a favorable environment [4] - The financial sector is encouraged to enhance the entire loan service process, particularly for small and micro enterprises, to improve their credit service capabilities [5] Group 4: Risk Management and Collaborative Financing - The government-backed financing guarantee system is crucial for alleviating the financing difficulties faced by small and micro enterprises, with a guarantee fee rate significantly lower than commercial levels [8] - There is a need for collaboration between fiscal and financial sectors, as well as between financing guarantees and credit services, to improve financial services for private enterprises [9]