Core Viewpoint - The article emphasizes the effectiveness of the financing coordination mechanism for small and micro enterprises (SMEs) in China, highlighting its role in facilitating access to credit and improving the overall business environment for these enterprises [1][10]. Group 1: Financing Coordination Mechanism - Since its launch in October last year, the financing coordination mechanism has visited over 90 million small and micro enterprises, with banks providing new credit of 23.6 trillion yuan and new loans of 17.8 trillion yuan, of which 32.8% are credit loans [1]. - The mechanism aims to address practical difficulties faced by enterprises, optimize the business environment, and promote healthy competition within industries [1]. Group 2: Bank Collaboration - Banks are forming complementary relationships, enhancing communication channels between themselves and with enterprises, which allows for better service delivery [3]. - For instance, the Agricultural Bank of China and local rural commercial banks are collaborating to provide tailored financial services to enterprises like Huasheng Rubber, which has diverse financial needs beyond just financing [4]. Group 3: Local Initiatives - Local governments are implementing unique strategies to enhance the financing coordination mechanism, such as establishing dedicated hotlines for SMEs to facilitate communication and service access [6]. - In Zibo, a coordination model has been developed that integrates various industry departments to provide precise services to key market players, enhancing the effectiveness of the financing coordination mechanism [7]. Group 4: Improving Business Environment - The financing coordination mechanism not only supports SMEs in obtaining loans but also helps in resolving operational issues and improving the local business environment through coordinated efforts among government departments [9][10]. - The establishment of feedback mechanisms allows for the identification and resolution of issues faced by enterprises that are on the recommended list but have not received credit [9].

（原标题：支持小微企业融资协调工作机制政策向引导行业良性竞争等方面"外溢"） 证券时报记者在采访中了解到，除了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"，支持小微企业融资协调工作机制的政策实效还进一步向协调解决企业经营实际困 难、推动地方优化营商环境、引导行业良性竞争等方面"外溢"，而这些也将是未来推动机制常态化运行 过程中可以研究保留的重要内容。 人民财讯8月8日电，国家金融监管总局最新数据显示，支持小微企业融资协调机制自去年10月正式启动 以来，截至今年6月末，已累计走访超过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%。 ...

Core Insights - The support mechanism for small and micro enterprises has facilitated significant credit expansion, with banks providing a total of 23.6 trillion yuan in new credit and 17.8 trillion yuan in new loans since its launch in October last year, with credit loans accounting for 32.8% of the total [1] Group 1: Financing Mechanism and Impact - The financing coordination mechanism has effectively addressed the operational challenges faced by enterprises, improved the business environment, and encouraged healthy competition within industries [1] - The mechanism has led to enhanced communication between banks and enterprises, fostering a collaborative ecosystem where banks complement each other's services [2][3] Group 2: Case Study of Huasheng Rubber - Huasheng Rubber, a key player in the tire export industry, has diversified financial needs beyond just financing, requiring services like international settlement and exchange rate management [3] - Agricultural Bank of China and local rural commercial banks have collaborated to provide tailored financial services, including a 15 million yuan credit loan and 6.436 million USD in international settlement services [3] Group 3: Local Initiatives and Innovations - Local governments have implemented unique strategies, such as establishing dedicated hotlines for small and micro enterprises to enhance service accessibility and efficiency [4] - The coordination mechanism has led to a collaborative model involving multiple industry departments, providing targeted services to key sectors like agriculture and foreign trade [5] Group 4: Improving Business Environment - The mechanism has not only facilitated financing but also improved the overall business environment by addressing issues faced by enterprises that did not receive credit [6] - A digital platform has been developed to connect banks and enterprises, allowing for better understanding of business conditions and risk identification [6]

Core Insights - The article emphasizes the importance of small and micro enterprises in stabilizing employment and improving livelihoods, highlighting the proactive measures taken by the Jiangsu Financial Regulatory Bureau to support their financing needs [1][4]. Group 1: Financing Support and Achievements - Jiangsu has organized visits to 4.03 million enterprises and issued loans totaling 1.9 trillion yuan, ranking among the top in the country [1]. - As of June, the loan balance for small and micro enterprises in Jiangsu reached 9.6 trillion yuan, reflecting a year-on-year growth of 16.7% [1]. - The banking sector's loan balance for private enterprises reached 7.9 trillion yuan by June, with a year-on-year increase of 10.7% [4]. Group 2: Coordination Mechanisms - The Jiangsu Financial Regulatory Bureau established a working mechanism with the provincial development and reform commission and the provincial financial office to enhance the efficiency of financial services [2]. - A "thousand enterprises, ten thousand households" outreach initiative was launched to improve financial service penetration [2]. - Regular training and coordination meetings are held to optimize strategies and ensure smooth operation of the support mechanisms [2]. Group 3: Innovative Financial Services - Jiangsu Bank has shifted its approach from passive response to proactive empowerment, implementing a "six specialized mechanisms" to streamline financing channels for small enterprises [3]. - The bank has introduced innovative digital tools for seamless loan renewals and proactive credit assessments [3]. - A total of 53 industry service plans have been developed to enhance financing quality and efficiency [3]. Group 4: Targeted Financial Initiatives - A special action was launched to expand first-time loans for technology-based enterprises, directing financial resources towards the private economy [4]. - Financial institutions have provided credit to 27,000 foreign trade enterprises, with loans exceeding 250 billion yuan and export credit insurance coverage surpassing 50 billion USD [4]. - The number of individual business loans increased by 230,000 compared to the previous year, indicating a targeted approach to support various types of individual businesses [4]. Group 5: Collaborative Efforts and Results - The collaboration between local government and banks has led to successful financing solutions for enterprises facing challenges, such as a specific case where a company received a 3 million yuan loan within five days [5][6]. - Since the launch of a financial initiative on October 15, 2024, the bank has issued credit to nearly 60,000 enterprises, with a total credit amount exceeding 330 billion yuan [6]. - The average annual interest rate for loans to clients on the government recommendation list is capped at 3%, demonstrating a commitment to reducing financing costs for small enterprises [6]. Group 6: Enhancing Financial Accessibility - The Jiangsu Financial Regulatory Bureau has improved the efficiency of loan applications by integrating various data sources to create customer profiles for banks [7]. - New financing models, such as "data+" and "patent+", have been explored to increase credit loan issuance [7]. - The average interest rate for newly issued inclusive small micro loans has decreased by 34 basis points compared to the previous year, reflecting efforts to enhance financial accessibility [8].

Core Insights - The Liaoning Provincial Government is actively promoting financial support for the development of small and micro enterprises, achieving significant progress since the launch of the national financing coordination initiative in October last year [1][2] - As of June 2025, the balance of inclusive small and micro loans in the province is projected to reach 473.1 billion yuan, reflecting a year-on-year growth of 21.5%, which is 9.2 percentage points higher than the national average [1] Group 1: Financing Coordination Mechanism - The province has established a financing coordination mechanism, forming specialized working groups to enhance the support for small and micro enterprises, particularly in foreign trade and private sectors [2][3] - A "thousand enterprises, ten thousand households" outreach initiative has been implemented to assess the operational status of small and micro enterprises, ensuring effective service delivery [2][3] Group 2: Data Sharing and Digital Platforms - A comprehensive online platform has been developed to facilitate data sharing and streamline the financing process for enterprises, allowing them to submit financing needs through a single code [4][5] - The provincial financing credit service platform has been enhanced to automate the analysis of credit information and financing needs, improving the efficiency of loan approvals [4][5] Group 3: Credit Support and Financial Products - The province has introduced various financial products tailored to local industries, such as specialized loans for grain processing and other sectors, to better meet the needs of enterprises [8] - Policies have been optimized to support the renewal of loans without repayment, expanding eligibility to all small and micro enterprises facing temporary financial difficulties [7][8] Group 4: Case Studies and Best Practices - The government is compiling and promoting successful case studies from various regions to share effective practices in supporting small and micro enterprises, enhancing the overall financing environment [10] - Specific examples include innovative solutions for enterprises facing collateral issues, demonstrating the effectiveness of coordinated efforts among different departments [10]

本报讯记者徐贝贝报道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。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"。 国家层面，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。地方层面，省、市、 区县建立相应工作机制，各区县工作专班精心组织开展"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。有的地方强化科技赋能，优化 流程，共享数据，提升融资对接效率。有的地方将机制融入社会基层治理，织密网格，打通融资对 接"最后一米"。各级监管部门靠前担当，推动机制落地见效。在区县普惠金融"主战场"，各金融监管支 局挺在一线，打好"立局之战"。 机制运行中，主动融入经济社会发展大局 ...

Core Viewpoint - The support mechanism for small and micro enterprises financing has shown positive results since its establishment in October last year, with significant increases in credit and loan issuance [1][2]. Group 1: Mechanism Effectiveness - As of 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 balance of inclusive loans for small and micro enterprises increased by 12.31% year-on-year, significantly higher than the average growth rate of all loans [1]. Group 2: Collaborative Approach - The mechanism leverages the advantages of the Chinese leadership and system, involving multiple stakeholders including national and local government departments and banks to address the complex challenges of financing [1][2]. - A market-oriented and legal approach is utilized to ensure effective collaboration between government support and banking operations, addressing information asymmetry and facilitating better financing connections [2]. Group 3: Policy Implementation - Attention to detail in policy implementation is crucial to prevent bottlenecks in the financing process, ensuring that credit reaches the intended enterprises effectively [3]. - The introduction of measures to protect diligent credit personnel encourages banks to lend more freely, thereby enhancing the overall financing environment for small and micro enterprises [3].

Core Viewpoint - The support mechanism for small and micro enterprises financing has shown positive results since its establishment in October last year, with significant increases in credit and loan issuance [1][2]. Group 1: Mechanism Effectiveness - As of June 2025, over 90 million small and micro enterprises have been visited under the mechanism, resulting in new credit of 23.6 trillion yuan and new loans of 17.8 trillion yuan, with credit loans accounting for 32.8% [1]. - The balance of inclusive loans for small and micro enterprises increased by 12.31% year-on-year, significantly higher than the average growth rate of all loans [1]. Group 2: Collaborative Approach - The mechanism leverages the advantages of the party's leadership and the socialist system, involving multiple stakeholders at both national and local levels to address the complex causes of financing difficulties [1][2]. - A collaborative effort among various departments, including finance and tax, has been established to gather data and accurately assess the financing needs of enterprises [2]. Group 3: Market-Oriented Solutions - The mechanism effectively combines government support with market principles, ensuring that administrative advantages are utilized while adhering to banking regulations [2]. - Local working groups have conducted extensive outreach to identify financing needs and connect enterprises with banks, enhancing the accuracy of loan assessments [2]. Group 4: Policy Implementation - Attention to detail in policy implementation is crucial to prevent bottlenecks in the financing process, ensuring that credit reaches the intended enterprises [3]. - The introduction of measures to protect diligent credit personnel encourages banks to lend more freely, thereby facilitating the flow of financial resources [3].

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].

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].