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八部门:支持符合条件的小微企业在新三板挂牌 规范成长后到北交所上市
news flash· 2025-05-21 10:36
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》,支 持小微企业开展股权融资。支持符合条件的小微企业在新三板挂牌,规范成长后到北交所上市,引导社 会资本更多向创新型中小企业聚集,带动同行业、上下游小微企业共同成长。支持地方金融管理部门指 导辖内区域性股权市场不断提升面向小微企业的规范培育、股权融资等服务能力。支持创投基金加大对 初创期、成长型小微企业的股权投资。探索优化政府投资基金绩效考核机制,拉长考核评价周期,提高 风险容忍度,发挥好投早投小的引导作用。 八部门:支持符合条件的小微企业在新三板挂牌 规范成长后到北交所上市 ...
八部门:探索将中小企业专精特新发展评价结果应用于助企融资
news flash· 2025-05-21 10:36
Core Viewpoint - The joint issuance of measures by eight departments aims to enhance financial support for small and micro enterprises, particularly those that are specialized, innovative, and engaged in foreign trade [1] Group 1: Financial Support Measures - The measures encourage banks to actively connect with specialized and innovative small and micro enterprises, as well as high-quality individual businesses [1] - There is an emphasis on providing targeted financial support to small and micro enterprises within key industry clusters and international cooperation zones [1] - The initiative includes exploring the application of evaluation results of specialized and innovative small enterprises to assist in financing [1] Group 2: Cross-Border Trade Support - Increased financial support is directed towards small and micro enterprises involved in new foreign trade formats, such as cross-border e-commerce [1] - The measures promote the expansion of cross-border RMB "first-hand" accounts to meet the foreign exchange risk hedging needs of small foreign trade enterprises [1] Group 3: National Coordination - The initiative leverages the national "one network" of the China Small and Medium Enterprises Service Network to organize monthly financing promotion activities for small and micro enterprises [1]
资金流信用信息平台破解中小微企业融资抵押担保难题
Sou Hu Cai Jing· 2025-05-21 05:20
Group 1 - The core viewpoint of the news is the successful implementation of a credit loan system for small and micro enterprises in Qingyang City, facilitated by the Construction Bank's funding flow information platform, which allows for loans without collateral [1][2] - A total of 56 enterprises in the city have benefited from this platform, receiving a total of 53.11 million yuan in loans, with one company receiving a loan of 300,000 yuan in just three days [1] - The funding flow information platform is designed to address the financing difficulties faced by small and micro enterprises by using their banking transaction data as a basis for credit approval [1] Group 2 - The People's Bank of China in Qingyang City has established a promotion system that includes policy transmission, technical support, and service implementation to ensure the platform benefits more enterprises [2] - The promotion system includes monthly supervision and quarterly evaluation mechanisms, along with standardized operation manuals and training sessions to support the platform's use [2] - Future plans involve focusing on the diverse financing needs of small and micro enterprises and enhancing the digital and precise nature of credit services [2]
市政协连开4场深聊会说了什么? 更大力度支持民营企业出海
Shen Zhen Shang Bao· 2025-05-20 21:03
【深圳商报讯】(首席记者彭琰)深圳市政协日前启动"强化政策落实,优化服务保障,促进深圳民营 经济健康发展、高质量发展"重点调研。市政协经济委近日接连召开4场深聊会,聚焦公平竞争、要素支 持、权益保护和个体经济等领域,深入了解情况,研判问题、困难和挑战,广泛收集企业和行业协会提 出的意见建议,为高质量调研报告打下扎实基础。 深聊会上,职能部门及有关单位介绍了相关工作成果、最新动态以及下一步工作计划,协会反映了行业 普遍存在的问题、痛点和对应的建议,企业结合会议主题畅谈了政策落地、企业所需以及相关诉求,与 会人员就热点问题进行了深入沟通交流。 在"公平竞争组",与会人员探讨了"大企业"与"小企业"的资源配置问题、民营企业与国有企业各施所长 并肩作战的新范式。在"要素支持组",融资问题多次被提及,"征信+信贷""数据+担保"等新模式被寄予 厚望。在"权益保护组",市公安局和市"两院"负责人介绍企业帮扶、司法助企的经验,着重谈到了知识 产权司法保护、企业商业秘密保护需求等问题,并回答了与会企业的问题。在"个体经济组",落实国家 减税降费政策、跨境电商、做活城市烟火气等成为关键词。 记者留意到,新形势下支持企业出海、制 ...
破解民企融资难!民营经济促进法设专章,广东接连“放大招”
Nan Fang Du Shi Bao· 2025-05-20 09:29
金融是企业发展的源头活水。一段时间以来,民营企业融资难、融资贵、融资慢,一直是社会关注焦 点。 5月20日正式实施的《中华人民共和国民营经济促进法》(简称"民营经济促进法")设"投资融资促 进"专章,为破解民营企业融资难题提供了系统性解决方案。 广东民营经济发达,民营经济主体常年位居全国第一。如何让普惠金融实现精准滴灌,帮助民企走过初 创期、迈过成长期、跨过转型期,是摆在经济第一大省面前的重要命题。 民营经济促进法实施将对推动广东民营经济投融资产生哪些积极影响?广东如何培育形成争先创新的民 营企业"热带雨林"生态?针对这些问题,南都记者分别对话了多位专家学者及企业家。 渠道窄、成本高、周期长 如何破解民企融资难题? 资本是拉动企业扩大生产,形成规模化的重要因素。中小企业是民营企业的主力军,但往往面临较高的 投融资门槛。 中国政法大学法学教授、博导武长海。受访者供图 广东省工商联(总商会)副会长、汕尾市工商联主席,广东百利食品股份有限公司总裁兼首席执行官彭 晋谦。受访者供图 广东省工商联(总商会)副会长、汕尾市工商联主席,广东百利食品股份有限公司总裁兼首席执行官彭 晋谦向南都记者分析称,金融机构习惯以房产、土地 ...
鄄城农商银行:创新机制精准滴灌,赋能小微企业高质量发展
Qi Lu Wan Bao Wang· 2025-05-20 07:10
齐鲁晚报·齐鲁壹点 李可 通讯员 冯钦 在鲁西南广袤大地上,一场金融"春雨"正悄然滋润着小微企业的发展土壤。鄄城农商银行积极响应国家 金融支持小微企业发展战略,以融资协调工作机制为切入点,精心构建起"组织保障坚实、服务创新多 元、政策落地高效"的全链条金融服务体系,为县域经济的高质量发展注入了强大动力。截至目前,该 行通过"千企万户大走访"活动,累计走访企业超 7000 户,为 3483 户经营主体授信达 14.85 亿元,以实 际行动彰显了地方金融机构的责任担当。 未来展望:绘就"精准 + 长效"服务新蓝图 站在新的发展起点,该行将以"三个聚焦"开启小微企业服务的崭新篇章。聚焦产品创新,围绕企业全生 命周期开发特色金融产品,打造一站式综合金融服务方案;聚焦数字赋能,按照省联社的部署要求,加 快线上申贷、自助放款等功能的迭代升级,让小微企业融资如同"网购"般便捷高效;聚焦生态构建,深 化与政府部门、行业协会的合作,建立"政银企"常态化对接机制,推动形成"资源共享、风险共担、发 展共赢"的良好金融生态格局。 破解小微企业融资难题,关键在于精准发力。该行以政策为"杠杆",引导金融资源向重点领域汇聚。针 对科技型企 ...
伊春市多策并施 破解小微企业融资困局
Zhong Guo Fa Zhan Wang· 2025-05-20 07:07
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. ...
以机制破解小微企业融资难丨二七区:精准滴灌小微融资 源头活水兴业润企
Sou Hu Cai Jing· 2025-05-19 22:41
二七区罗沟滨河农贸市场 5月15日,二七区罗沟滨河农贸市场内人潮涌动,满载果蔬的货车往来穿梭,各类农产品交易红红火火。 该市场自去年1月份试营业以来,已吸引近400户商户入驻,日均交易额达1500万元,不仅覆盖周边5公里 的居民生活区,还兼具新郑、新密、荥阳等周边地区的农产品配送功能,成为郑州西南地区最大的"菜篮 子"集散地,而这只是二七区高度重视小微企业融资协调工作,服务企业发展的一个缩影。 专属金融服务为企业送来"及时雨" 然而,市场的快速发展并非一帆风顺。今年初,在开展基建、招商等环节后,罗沟市场二期工程推进与日 常运营面临着资金的压力。恰此时,二七区开展"千企万户大走访",区发改委敏锐察觉到罗沟市场的融资 需求。 同时,迅速建立起以乡镇办属地管理为主、行业主管部门为辅的走访宣传机制,条块结合,形成了"领导 包片、部门包链、专员包企"的三级服务网络。在此过程中,二七区充分发挥基层服务优势,以网格为单 位,组织工作人员深入辖区经营性单位开展宣传活动。不仅如此,还发动微网格长在日常走访巡查中,精 准定位有资金需求的小微企业和个体工商户,为他们详细解读小额贷款政策。 除了线下走访的"精准滴灌",搭建政银企面对 ...
降低非利息成本 让民企融资“体感”更好
Zheng Quan Ri Bao· 2025-05-19 16:53
■苏向杲 民营企业在推动经济增长、促进技术创新、增加就业、改善民生等方面发挥了不可替代的作用。当前, 进一步加大对民营企业的金融支持力度对促进我国经济高质量发展意义重大。2月17日召开的民营企业 座谈会提出,继续下大气力解决民营企业融资难融资贵问题。 其二,金融机构需持续完善激励考核机制。 民营企业中小微企业占绝大多数,这类企业普遍存在抵押物不足、违约成本低等特征。银行对这类企业 贷款时要求担保介入的一大原因是信贷员头顶追责机制的达摩克利斯之剑。因此,完善激励考核机制对 降低非息融资成本也至关重要。当然,完善激励考核机制不是忽略商业可持续性,而是在不放松风控的 前提下,不断提升容错纠错机制。当银行从业者在放贷时既能获得正当激励,也能确保尽职免责,民营 企业的非利息融资成本有望持续压缩。 其三,强化监管,形成政策合力。 5月20日起正式实施的《中华人民共和国民营经济促进法》提到,金融机构在依法合规前提下,按照市 场化、可持续发展原则开发和提供适合民营经济特点的金融产品和服务,为资信良好的民营经济组织融 资提供便利条件,增强信贷供给、贷款周期与民营经济组织融资需求、资金使用周期的适配性,提升金 融服务可获得性和便 ...
银行业促进低成本资金迅速、精准流向小微企业
Zheng Quan Ri Bao· 2025-05-18 14:15
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]