按地区来看，西部地区发放94份担保，金额34亿图格里克（685.48万元人民 币）；杭盖地区551份，208亿图格里克（4193.55万元人民币）；中部地区95 份，40亿图格里克（806.45万元人民币）；东部地区94份，47亿图格里克 （947.58万元人民币）。在所有担保中，批发零售业占1.9%，加工业占4.8%， 信息通信业占0.7%，新合作社和住房贷款担保占比达92.6%。 从合作银行占比看，可汗银行提供担保贷款占54.8%、国家银行占32.8%、 Capitron银行占7%，其余由贸易发展银行、郭勒穆特银行和ARIG银行提供。 贷款对象中，90.5%为个人、9.5%为企业，其中企业担保主要投向加工业13亿 图格里克（262.09万元人民币）、批发零售业5亿图格里克（100.81万元人民 币）及信息通信业5亿图格里克（100.81万元人民币）。个人担保则集中于新 合作社266亿图格里克（5362.90万元人民币）和住房贷款64亿图格里克 （1290.32万元人民币）。基金资产效率为4.7%，同比提升3个百分点。不良担 保比率降至1.3%，余额为60亿图格里克（1209.68万元人民币）。 蒙古政府官 ...

Group 1 - The core viewpoint of the article emphasizes the importance of loans for enterprises in Changsha, highlighting the city's economic growth and the increasing demand for financing among businesses [1][9] - Changsha has over 100,000 small and medium-sized enterprises (SMEs) that play a crucial role in local economic development and job creation, yet many face financing difficulties due to limited funding channels [2][9] - The local government has implemented various policies to encourage banks and financial institutions to actively meet the financing needs of enterprises, leading to a more vibrant financial market [2][4] Group 2 - The main types of loans available for enterprises in Changsha include bank loans, government-guaranteed loans, supply chain finance, internet finance, and leasing finance, each with its own characteristics and suitability for different business needs [4][5] - Bank loans are the most common, offering lower interest rates and longer terms, but require strong financial health and credit history from the borrowing enterprises [4] - Government-guaranteed loans are designed to reduce financing risks for SMEs, providing larger amounts, lower interest rates, and faster approval processes [4] Group 3 - The general application process for enterprise loans in Changsha involves preparing necessary documents, consulting with banks, submitting applications, undergoing material review, loan approval, signing contracts, and finally disbursement and repayment [5] - Key documents required for loan applications include audit reports, financial statements, business licenses, tax registration certificates, and identification of legal representatives [5] Group 4 - Enterprises should maintain a good credit record, plan loan usage wisely, choose suitable loan products, stay informed about policy changes and market trends, and implement risk control measures to ensure successful loan acquisition [7][8]

Core Insights - Hubei Province has launched a commercial value credit loan policy for small and medium-sized enterprises (SMEs) to address financing difficulties, with significant participation from banks and a total of 105,750 enterprises registered on the platform as of June 4 [1][3] Group 1: Policy Implementation - The commercial value credit loan policy aims to provide pure credit loans to SMEs by evaluating their operational foundation, capabilities, social value, and innovation ability [2] - A unified risk compensation fund has been established to support the implementation of the credit loan policy, with an initial scale of 1 billion yuan, jointly funded by provincial and municipal governments [3] Group 2: Financial Data - As of June 4, 15 banks have completed 1,745 loan disbursements totaling 4.12 billion yuan, with 1,686 enterprises receiving credit approvals amounting to nearly 5 billion yuan [3] - The credit evaluation system categorizes enterprises into four levels (A, B, C, D), with corresponding credit limits ranging from 1 million yuan to 10 million yuan [2] Group 3: Broader Support Measures - Hubei Province has introduced multiple initiatives to support SME development, including plans to establish 30 national-level SME characteristic industrial clusters by 2027 [4] - Additional measures include increasing the issuance of inclusive loans to small and micro enterprises, aiming for a loan balance exceeding 3 trillion yuan by the end of 2027 [4]

阿根廷央行：将与国际银行推出高达20亿美元的回购贷款。 ...

记者9日从北京市发改委了解到，该委印发《关于开展重点领域设备购置与更新改造贷款贴息的实施方 案》(京发改规〔北2025〕2号)，在保持原政策贴息率、贴息期等事项基本稳定基础上，结合设备购置 灵活性高、变化较快等特点，更加注重即申即享、简化办理环节，切实提升企业获得感。 北京市发改委有关负责人表示，设备购置与更新改造能够带动传统产业更新改造升级，引导战略性新兴 产业、未来产业加快发展，设备购置已成为投资增长的重要动力。 此次实施的政策适用范围为符合相关投向领域、已签订贷款合同和设备采购合同、可形成固定资产投资 的设备购置与更新改造项目。项目可为单独设备购置，也可为固定资产投资项目中设备购置的部分，原 则上设备采购金额应达到人民币500万元及以上。为便于广大企业按需申报，不再设集中征集环节，企 业可随时进行申报，同时明确政策有效期至2027年12月31日。 在支持方式上，政策发挥政府投资引导带动作用，积极为社会投资项目降低融资成本，对符合条件的项 目给予最高不超过2.5个百分点的贴息，贷款实际利率低于2.5%的按照贴息率不超过贷款实际利率安 排。贴息期限2年。按商业银行中长期贷款利率(5年期以上LPR)为3.5% ...

6月9日，北京商报记者从北京市发展改革委获悉，近日，市发展改革委印发了《关于开展重点领域设备购置与更新改造贷款贴息的实施方案》 （以下简称《实施方案》），在保持原政策贴息率、贴息期等事项基本稳定基础上，结合设备购置灵活性高、变化较快等特点，更加注重即申即 享、简化办理环节，切实提升企业获得感。 据介绍，对于符合条件的项目，各项目单位向项目所在地区发展改革部门（涉及跨区的原则上向项目单位注册地区发展改革部门）报送申报材 料。项目符合政策要求且资料齐备的，区级发展改革部门报送至市发展改革委。市发展改革委按规定批复项目贷款贴息资金申请报告并下达资 金。 "设备购置与更新改造能够带动传统产业更新改造升级，引导战略性新兴产业、未来产业加快发展，设备购置已成为投资增长的重要动力。"北京 市发展改革委相关负责人说。 北京市统计局发布的数据显示，今年1—4月，全市固定资产投资（不含农户）同比增长21.2%。其中，反映企业扩大生产能力的设备购置投资增 长1.1倍。实际上，近年来，北京市在重点领域设备购置与更新改造贷款贴息上不断投入。北京市社会科学院副研究员王鹏对北京商报记者表示， 这反映出北京市重视产业升级创新，通过政策引导企 ...

Core Insights - Japan's bank loans (excluding trusts) in May increased by 2.6% year-on-year, maintaining the same growth rate as the previous month [1] Group 1 - The year-on-year growth rate of bank loans in Japan for May is 2.6%, consistent with the prior value [1]

Core Insights - Japan's bank loans (including trusts) in May increased by 2.4% year-on-year, maintaining the same growth rate as the previous value of 2.4% [1] Group 1 - The year-on-year growth rate of bank loans in Japan indicates stable lending conditions in the financial sector [1] - The consistent growth rate suggests that banks are maintaining their lending practices despite economic fluctuations [1] - This data may reflect the overall health of the Japanese economy and consumer confidence in borrowing [1]

近日，内蒙古农商银行开业仪式在呼和浩特举行。《农村金融时报》记者梳理相关信息发现，内蒙古农 商银行在组建过程中独辟蹊径，呈现出诸多亮点。 业内人士普遍认为，内蒙古农商银行用较短时间完成组建，且一次性吸纳众多农村金融机构的做法，将 为其他省份的省级农信联社改制提供经验和参考。 内蒙古农商银行的另一大亮点是该行的股东结构更为多元化。 与此前成立的辽宁农商银行、海南农商银行等省级农商银行不同，内蒙古农商银行采用了"一步到位"的 组建模式。此次涉改的121家机构涵盖了内蒙古自治区内的农信机构及其发起设立的区内村镇银行。 对比来看，辽宁农商银行采取渐进式组建方式。2023年，原沈阳农商银行与辽宁省内的原30家农信联社 整合组建辽宁农商银行。此后，辽宁农商银行又获批吸收合并辽宁新民农商银行等36家农村中小银行机 构，承接其清产核资后的有效资产、全部负债、业务、网点和员工。但辽宁农商银行仍未成为统一法人 的省级农商银行，辽宁省仍有部分农信机构未纳入其管理范围。 而海南农商银行在成立前及成立后均未对辖内村镇银行进行吸收合并，其主要承担海南省内原有农信机 构的主发起行职责，持有相关村镇银行股份。 受访专家认为，"一步到位"的组 ...

欢迎扫描下方二维码关注： 答： 可以。纳税人按照《关于降低存量首套住房贷款利率有关事项的 通知》规定进行 存量住房贷款 置换的，由于置换前后纳税人的住房仍为 同一套，可以继续享受住房贷款利息专项附加扣除。 其中，贷款合同编号发生变化的，应当及时在个人所得税APP在"专项 附加扣除"-" 住房贷款利息专项附加扣除"变更同一套住房新办理的贷款合 同编号等信息。 我之前住房贷款不是首套房贷利率，按照《关于降低存量首套住 房贷款利率有关事项的通知》规定，我办理了 "二二套转首首套"住房贷款 手手续并享受首首套住房贷款利率，这种情况可以享受住房贷款利息专项附 加扣除吗？ 答： 如纳税人以前未享受过住房贷款利息专项附加扣除，则可以享 受。自按照首套住房贷款利率开始还款的当月起享受住房贷款利息专项附 加扣除。 您可以通过手机个人所得税APP个人所得税APP在"专项附加扣除"-"住 房贷款利息专项附加扣除"模块填报住房贷款相关信息后享受。填报完成 后，既可以将上述信息推送给任职受雇单位在平时扣缴时享受，也可在次年 办理汇算清缴时享受 。 来源：黑龙江税务 我 2021年购房时使用用的是商业贷款，符合首首套房贷利率等条件， 并 ...