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金融“活水”润泽小微企业 支持小微企业融资协调工作机制显成效
Yang Shi Wang· 2025-08-02 06:31
Core Viewpoint - The financial sector in China has significantly increased support for small and micro enterprises (SMEs) in 2023, with a notable year-on-year growth in inclusive loans for these businesses, indicating a positive trend in financing for the real economy [1][3]. Group 1: Loan Growth and Financial Support - As of June 2023, the total loan balance for small and micro enterprises reached 87.74 trillion yuan, with inclusive loans amounting to 35.99 trillion yuan, reflecting a year-on-year growth of 12.31% [3]. - The average interest rate for newly issued inclusive loans to SMEs decreased by 0.46 percentage points compared to the previous year, demonstrating a trend of reduced financing costs [3][5]. - The financial support for SMEs has maintained a trend of increasing volume, expanding coverage, and lowering costs in the first half of the year [3][5]. Group 2: Policy Measures and Mechanisms - Various measures have been implemented by financial management departments to enhance financial services for SMEs, including the use of financial technology to reduce operational costs and the promotion of first-time loans, credit loans, and medium to long-term loans [5][6]. - The "Support for Small and Micro Enterprises Financing Coordination Work Mechanism" has been established to facilitate rapid access to bank credit for SMEs, resulting in the issuance of 17.8 trillion yuan in new loans since its inception [6][12]. - This mechanism has effectively addressed common financing challenges faced by SMEs, such as the lack of collateral, by connecting businesses with banks and providing timely financial solutions [8][10]. Group 3: Impact on Specific Sectors - The financing coordination mechanism has shown significant benefits for technology-driven small enterprises, with banks issuing new credit totaling 23.6 trillion yuan to recommended businesses [12]. - The mechanism has conducted outreach to over 90 million small business entities, indicating a comprehensive approach to understanding and addressing the financing needs of SMEs [12]. - Local initiatives, such as the "Financial + Grassroots Grid Point" model in Jinjiang, have been developed to ensure that financing needs are met through direct engagement between banks and businesses [15][17].
金融监管总局:支持小微企业融资协调工作机制已推动新发放贷款17.8万亿元
Sou Hu Cai Jing· 2025-08-02 06:11
Core Viewpoint - The financing coordination mechanism for small and micro enterprises has achieved positive results, with significant increases in credit and loan issuance by banks [1][3]. Group 1: Financing Mechanism - As of June 2025, over 90 million small and micro enterprises have been visited under the financing coordination mechanism, resulting in new credit issuance of 23.6 trillion yuan and new loans of 17.8 trillion yuan, with credit loans accounting for 32.8% [1][3]. - The mechanism was established in October 2024 with the approval of the State Council, aiming to facilitate direct and efficient access to bank credit for small and micro enterprises [3][4]. Group 2: Support for Small and Micro Enterprises - Small and micro enterprises are recognized as vital for economic development, employment, and improving livelihoods, forming an essential part of the private economy [3][4]. - The mechanism emphasizes both the coverage of visits and targeted support in key areas such as foreign trade, private sector, technology, and consumption, while also addressing operational challenges faced by small and micro enterprises [4]. Group 3: Future Plans - The financial regulatory authority plans to deepen the financing coordination mechanism, enhance the identification of financing needs, and improve the channels for direct credit access to continuously elevate financial service levels [4].
上半年普惠型小微企业贷款余额同比增12.31% 高于各项贷款平均增速
Yang Shi Xin Wen· 2025-08-02 03:47
小微企业是经济发展的生力军,记者昨天从金融监管总局了解到,今年以来,我国金融业对小微企业的支持持续增强,6月末全国普惠型小微企业贷款余额 同比增长12.31%,明显高于各项贷款平均增速。 数据显示,截至今年6月末,全国小微企业贷款余额87.74万亿元,其中普惠型小微企业贷款余额35.99万亿元,同比增长12.31%。今年1—6月全国新发放的 普惠型小微企业贷款平均利率比去年下降0.46个百分点。 金融监管总局普惠金融司综合处处长 何晓琳:今年上半年,金融支持小微企业融资依然保持了增量、扩面、降价的趋势,普惠型小微企业贷款余额同比增 长12.31%,对实体经济尤其是小微企业给予了良好的支持。 在当地小微企业融资协调专班工作人员来调查时,他们就把企业的需求和难点反映给了对方,专班工作人员把信息推送给银行之后,他们在2个工作日内就 获得了100万元纯信用贷款。 当记者来到企业采访时发现,高兴的不只是企业,银行也是受益方。 金融监管总局普惠金融司综合处处长 何晓琳:下一阶段要继续推进支持小微企业融资协调工作机制,同时结合国家经济形势的发展变化,把对接和帮扶的 资源向外贸、民营、科技、三农、消费等领域倾斜,充分激发各类 ...
新增授信23.6万亿元 支持小微企业融资协调工作机制发力
● 本报记者陈露 国家金融监督管理总局网站8月1日消息,截至2025年6月末,各地依托支持小微企业融资协调工作机制 累计走访了超过9000万户小微经营主体,银行对"推荐清单"内经营主体新增授信23.6万亿元,新发放贷 款17.8万亿元,其中信用贷款占比32.8%。 "小微企业是经济发展的生力军、就业的主渠道、改善民生的重要支撑,是民营经济的重要组成部 分。"金融监管总局表示。 为引导银行信贷资金快速直达小微企业,2024年10月,经国务院同意,金融监管总局、国家发展改革委 联合相关部门,建立支持小微企业融资协调工作机制,充分发挥党的领导和中国特色社会主义体制机制 优势,加强央地协同,从供需两端发力打通中梗阻,实现银行信贷资金"直达基层、快速便捷、利率适 宜"。 金融监管总局有关负责人此前在国新办举行的新闻发布会上表示,支持小微企业融资协调工作机制的核 心是在区县层面建立工作专班,搭建起银企精准对接的桥梁。在企业端,全面了解辖内企业实际经营状 况,做到"心中有数",精准帮扶,切实解决企业的融资困难。在银行端,疏通信息传递和资金传导的堵 点和卡点。 金融监管总局表示,国家层面,金融监管总局、国家发展改革委牵头,相 ...
支持小微企业融资协调工作机制发力
Core Viewpoint - The establishment of a financing coordination mechanism for small and micro enterprises aims to enhance access to credit and support economic development, with significant funding already allocated to these businesses [1][2][3] Group 1: Financing Mechanism - By June 2025, over 90 million small and micro enterprises have been visited, resulting in new credit issuance of 23.6 trillion yuan and new loans of 17.8 trillion yuan, with credit loans accounting for 32.8% [1] - The mechanism is designed to facilitate direct and efficient access to bank credit for small and micro enterprises, ensuring that funds reach the grassroots level quickly and at reasonable interest rates [1][2] Group 2: Implementation and Support - The mechanism involves collaboration at both national and local levels, with specific standards set for assessing the financing needs of small and micro enterprises [2] - Local governments are enhancing efficiency through technology and data sharing, while also integrating the financing mechanism into community governance to improve access [2] Group 3: Future Directions - The financial regulatory authority plans to deepen the financing coordination mechanism, focusing on identifying financing needs and improving the channels for credit delivery to support small and micro enterprises [3] - There is an emphasis on addressing operational challenges faced by these enterprises, thereby boosting their confidence and improving the overall business environment [3]
国家金融监管总局:支持小微企业融资协调工作机制持续发力
Xin Hua She· 2025-08-01 13:18
据介绍,机制运行中,主动融入经济社会发展大局,既关注走访的覆盖率,也聚焦重点领域实施精准支 持,单列外贸板块,加大对外贸、民营、科技、消费等领域资源倾斜;既关注融资问题,也注重解决小 微企业经营面临的困难问题,开展一系列助企帮扶工作,提振小微企业发展信心,带动提升营商环境。 2024年10月支持小微企业融资协调工作机制启动以来,金融监管总局、国家发展改革委牵头,相关部门 及银行机构共同参与,地方建立相应工作机制,各区县工作专班组织开展"千企万户大走访"活动。按照 合规持续经营、固定经营场所、真实融资需求、信用状况良好、贷款用途依法合规"五项标准",对小微 经营主体融资需求进行深入摸排推送,银行机构按照市场化法治化原则开展精准融资对接。 新华社北京8月1日电 记者1日从国家金融监督管理总局获悉,截至2025年6月末,各地依托支持小微企 业融资协调工作机制累计走访超过9000万户小微经营主体,银行对"推荐清单"内经营主体新增授信23.6 万亿元,新发放贷款17.8万亿元,其中信用贷款占比32.8%。 金融监管总局表示,下一步,将联合国家发展改革委做深做实支持小微企业融资协调工作机制,高效摸 排融资需求,畅通信贷资 ...
金融调研|首贷破冰、续贷无忧,小微融资协调机制重塑全链条金融生态
Di Yi Cai Jing Zi Xun· 2025-07-30 09:57
Core Insights - The establishment of a financing coordination mechanism for small and micro enterprises has significantly improved the efficiency of bank-enterprise interactions, allowing for direct connections to actual controllers of businesses [1][4] - The mechanism has transformed the service chain for small and micro enterprises, enhancing the precision of financial services and addressing the challenges of financing [1][6] Group 1: Financing Coordination Mechanism - The financing coordination mechanism, led by the Financial Regulatory Bureau and the National Development and Reform Commission, aims to alleviate the financing difficulties faced by small and micro enterprises and banks [1][6] - The mechanism utilizes a "申报清单" (application list) and "推荐清单" (recommendation list) to streamline the process from demand identification to precise service delivery [4][5] - The mechanism has shifted the approach from blind visits to targeted engagements, significantly increasing the efficiency of bank visits [1][4] Group 2: First Loan Services - The "破冰" (breaking the ice) initiative for first loans is a key focus of the financing coordination mechanism, addressing the challenges faced by startups in securing initial funding [2][6] - Banks are encouraged to adopt a more flexible approach to lending, allowing for lower entry barriers for first-time borrowers [3][6] - The case of Zhejiang Aolong Pipeline Technology Co., which received a 4.2 million yuan credit loan within a week, exemplifies the success of this initiative [2][3] Group 3: Policy Expansion - The recent policy expansion includes provisions for medium-sized enterprises, allowing them to benefit from no-repayment renewal loans, thus easing their financial pressures [6][7] - The policy aims to support medium-sized enterprises facing liquidity challenges, as demonstrated by the case of a seafood company that secured a 55 million yuan renewal loan [7] Group 4: Competitive Landscape - The financing coordination mechanism has shifted the competitive landscape among banks from chaotic competition to complementary cooperation, enhancing service delivery for small and micro enterprises [8][9] - Banks are now encouraged to focus on their core strengths and avoid unnecessary competition, fostering a more sustainable service model [8][9] - The mechanism has facilitated a collaborative environment where banks can leverage each other's strengths to provide comprehensive services to enterprises [9]
打通金融惠企利民的“最后一公里” 农行北京分行积极推进支持小微企业融资协调工作机制走深走实
Xin Hua Wang· 2025-06-28 04:00
Group 1 - Small and micro enterprises are crucial to the national economy, and the government has established a financing coordination mechanism to support them [1] - Agricultural Bank of China Beijing Branch actively participates in the financing coordination mechanism, with a focus on enhancing credit and loan services for small and micro enterprises [1][2] - The "Jingxi Changrong" loan product is designed for small and micro enterprises, utilizing internet and big data innovations to meet their financing needs [2] Group 2 - Agricultural Bank of China Beijing Branch has provided targeted support to foreign trade and technology enterprises, helping them overcome short-term operational difficulties [3][4] - The bank has issued a "Technology e-loan" of 3 million yuan to Jiuzhang Environment, a specialized small giant enterprise, to support its development [3][4] - The bank's comprehensive services include equity financing, bond underwriting, and investment advisory services to enhance the operational capabilities of specialized enterprises [4] Group 3 - Since the launch of the financing coordination mechanism, Agricultural Bank of China Beijing Branch has visited over 13,000 small and micro enterprises, with a total credit amount of nearly 48 billion yuan and loan issuance of nearly 30 billion yuan [5] - The bank aims to continue innovating financial products and services to provide ongoing support to small and micro enterprises, contributing to high-quality development in the capital [5]
陕西全面摸排涉农经营主体融资需求
Shan Xi Ri Bao· 2025-06-16 00:27
Core Viewpoint - The government of Shaanxi province is implementing a comprehensive initiative to assess the financing needs of agricultural and forestry enterprises, aiming to enhance financial services for the rural sector through a coordinated mechanism for supporting small and micro enterprises [1][2] Group 1: Financing Needs Assessment - Shaanxi province has issued a notification to investigate the financing needs of agricultural and grain purchasing entities, leveraging a mechanism to support small and micro enterprises [1] - The initiative involves a thorough assessment of various agricultural sectors, including planting, forestry, livestock, aquaculture, and related services, to identify financing requirements across the entire agricultural supply chain [1] - The assessment will include small and micro enterprises, individual businesses, farmer cooperatives, and family farms, ensuring a comprehensive understanding of financing needs [1] Group 2: Coordination and Implementation - The provincial development and reform commission, along with the Shaanxi Financial Regulatory Bureau and other departments, is coordinating efforts to facilitate the flow of credit to the agricultural sector [2] - The mechanism aims to implement policies such as the "two-eight" risk-sharing model and to relax the tolerance for non-performing loans for small and micro enterprises, ensuring that credit reaches the grassroots level efficiently [2] - The goal is to provide timely and affordable credit to support the development of the agricultural industry [2]
稳外贸、扩内需 “农字号”金融机构在行动
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].