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].

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 ...

中新网河北新闻5月15日电 (宋敏涛 谢建涛)15日，从中国人民银行廊坊市分行了解到，该行创新编制"一码通"资金流信息平台融资服务手册，推出"一码 通、一小组、一专班、一体化"系列举措，"以码增信"开辟中小微企业融资新渠道。目前有16家金融机构依托平台开展增信贷款13.2亿元，受益中小微企 业137家。 据介绍，全国中小微企业资金流信用信息共享平台(简称：资金流信息平台)于2024年10月25日上线运行，是中国人民银行聚焦金融五篇大文章，为中小微 企业和个体工商户提供融资服务的全新实践。 靶向聚焦，"一专班"助推介。为提升平台推介专业化水平，聚焦"精准施策、业务推进、宣传培训、闭环管理"核心，成立"一码通"工作专班。征信管理科 负责人为牵头人，相关业务部门负责人为专班成员。举办专题培训，详细解读平台功能、操作流程、风险防控、案例分析，提升专班成员业务水平。建立 专班内部联络机制，保证工作安排、反馈及时顺畅，随时掌握平台宣传、查询、授信、贷款、产品创新等情况。 网格矩阵，"一体化"广宣传。构建线上、线下、银行、企业网格化宣传矩阵。充分借助地方主流媒体，刊登宣传报道。利用网站、公众号等新媒体平台， 图文并茂及时推 ...

证券代码：833575 证券简称：康乐卫士 公告编号：2025-070 北京康乐卫士生物技术股份有限公司 投资者关系活动记录表 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连 带法律责任。 一、 投资者关系活动类别 □特定对象调研 √业绩说明会 □媒体采访 □现场参观 □新闻发布会 □分析师会议 公司首席财务官：董微女士 □路演活动 □其他 二、 投资者关系活动情况 活动时间：2025 年 5 月 15 日 15:00-16:30 活动地点：本次业绩说明会采用网络方式举行，公司在上海证券报·中国证 券网路演中心（https://roadshow.cnstock.com/）召开了 2024 年年度报告业绩说明 会。 参会单位及人员：通过网络方式参加公司本次业绩说明会的投资者 上市公司接待人员： 公司董事长、首席科学官：刘永江先生 公司副董事长、首席资本官：李辉女士 公司董事会秘书：任恩奇先生 公司保荐代表人：赵洞天先生 三、 投资者关系活动主要内容 本次业绩说明会公司就投资者普遍关注的问题进行了沟通与交流，主要问题 及 ...

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].

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]

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].