本次发布的《措施》涉及金融监管总局、中国人民银行、证监会、国家发展改革委、工业和信息化部、财政 部、税务总局、市场监管总局8个部门，对此，金融监管总局指出，这是要着重发挥监管、货币、财税、产业 等各项政策合力。 支持小微企业开展股权融资 5月21日，金融监管总局等8部门发布《支持小微企业融资的若干措施》（简称：《措施》），从增加融资 供给、降低综合融资成本、提高融资效率、提高支持精准性、落实监管政策、强化风险管理、完善政策保 障、做好组织实施等8个方面，提出23项具体举措，做好普惠金融大文章，进一步改善小微企业、个体工商 户融资状况。 研究优化小微企业贷款核销政策 从内容上来看，《措施》对增加小微企业融资供给和完善小微企业融资的政策保障这两个方面的部署最多，均 涉及5条具体举措。 在增加融资供给方面，《措施》提出，要做深做实支持小微企业融资协调工作机制、强化小微企业贷款监管引 领、用好结构性货币政策、落实小微企业无还本续贷政策、支持小微企业开展股权融资。 作为精准对接供需两端的政策机制，支持小微企业融资协调工作机制由金融监管总局、国家发展改革委牵头成 立，去年10月正式启动。在各地党委政府的高效统筹下，在相关 ...

FICC日报 | 2025-05-22 煤炭行业反弹，沪指收涨 市场分析 政策支持小微企业。金融监管总局等八部门联合印发《支持小微企业融资的若干措施》提出，加大首贷、信用贷、 中长期贷、法人类贷款、民营类贷款投放。指导银行加强贷款利率定价管理，合理确定小微企业贷款利率。降低 贷款附加费用，指导银行清理违规收费，规范与第三方合作。海外方面，新税收法案将特朗普第一任总统任期内 的减税政策延长，同时大幅削减政府支出以支付减税费用，市场担忧该政策将导致联邦债务规模进一步扩大。当 天20年期美国国债拍卖结果不佳，表明市场需求疲软。 股指震荡上涨。现货市场，A股三大指数震荡收红，上证指数涨0.21%收于3387.57点，创业板指涨0.83%。行业方 面，板块指数涨跌互现，煤炭、有色金属、电力设备行业领涨，美容护理、电子、传媒、社会服务行业跌幅居前。 当日沪深两市成交金额保持在1.2万亿元附近。海外市场，美联储官员强调，在经济面临高度不确定性的情况下， 美联储在调整政策之前可以保持耐心并评估即将发布的数据。美股三大指数全线收跌，道指跌1.91%报41860.44点。 IC增仓。期货市场，基差方面，当日仅IH基差回升。成交持 ...

【环球网财经综合报道】5月21日，金融监管总局、中国人民银行、证监会等八部门联合发布《支持小微企业融资的若干措施》 （简称《措施》），从增加融资供给、降低综合融资成本、提高融资效率、提高支持精准性、落实监管政策、强化风险管理、完 善政策保障、做好组织实施等八个方面，提出23项具体举措，是为进一步改善小微企业、个体工商户融资状况，做好普惠金融大 文章。 《措施》鼓励向外贸、民营、科技、消费等重点领域倾斜对接帮扶资源，加大首贷、信用贷、中长期贷、法人类贷款、民营类贷 款投放。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。 在完善政策保障方面，《措施》提出了优化风险分担补偿机制、落实相关财税支持政策、深化信用信息共享应用、有序推进小微 企业信用修复工作、强化高质量发展综合绩效评价等5条具体举措。其中，鼓励有条件的地方综合运用风险补偿、担保费补贴、业 务奖补、资本金补充、绩效考核等方式，引导政府性融资担保机构加大对小微企业 ...

Group 1 - The National Financial Supervision Administration and seven other departments jointly issued measures to support financing for small and micro enterprises, aiming to improve their financing conditions and promote inclusive finance [5][6] - The measures are part of the implementation of the spirit of the 20th National Congress of the Communist Party of China and the Central Financial Work Conference [5] - The initiative reflects the government's commitment to enhance the financial environment for small businesses, which are crucial for economic growth and employment [5] Group 2 - Nine joint-stock banks have lowered their deposit interest rates, with three-year and five-year fixed deposit rates reduced by 25 basis points [14] - This trend indicates a broader shift in the banking sector towards lower interest rates, which may impact savings behavior and lending practices [14] - The banks involved include major players such as Ping An Bank, CITIC Bank, and China Merchants Bank, reflecting a significant move in the financial landscape [14]

Core Insights - The article highlights the successful financing of Henan Juan Tea Restaurant Management Co., Ltd., which received a loan of 9.7 million yuan from the Industrial and Commercial Bank of China, enabling the company to expand its operations rapidly [1][2][4]. Group 1: Company Overview - Henan Juan Tea, established in 2017, has differentiated itself in the competitive tea beverage market by integrating local elements and focusing on product innovation [2][3]. - The company is transitioning from a regional leader to a national player, requiring significant capital for expansion into new markets [2][4]. Group 2: Financing Challenges and Solutions - The company faced cash flow challenges due to high costs associated with store renovations and equipment, with each store requiring an investment of around one million yuan [2][4]. - Traditional financing methods were inadequate for the company's asset-light business model, prompting the need for tailored financial solutions [2][4]. Group 3: Innovative Financial Support - The Jinshui District has implemented a "three-port linkage" system (Fund Port + Financial Port + Trade Port) to provide customized financing solutions for small and micro enterprises [5][6]. - The district's financial services have achieved a loan coordination of 45 billion yuan for nearly 10,000 enterprises in 2024, with a success rate of 93.8% for credit approvals [6][5]. Group 4: Economic Impact - Following the financing, Henan Juan Tea opened eight new stores in Wuhan and Changsha within two months, creating 120 jobs and projecting annual revenue to exceed 200 million yuan [4][6]. - The company is also investing in upstream tea farmers by establishing a 500-acre ecological tea garden, which is expected to increase the annual income of 200 farmers by 30,000 yuan each [4][6].

Domestic News - Shanghai is promoting automobile consumption and has introduced new subsidies for digital products such as mobile phones, tablets, and smartwatches, as well as increased support for green home appliances and home decoration [1] International News - Demand for 20-year U.S. Treasury bond auctions was weak, with yields on both 20-year and 30-year bonds rising above 5%, leading to significant declines in U.S. stock markets [2] - The European Union is reportedly planning to propose a trade initiative to the U.S. to facilitate negotiations [2] - Nike plans to raise prices in the U.S., while Amazon's CEO stated that tariffs have not reduced demand [2] - The Chicago Mercantile Exchange intends to establish a warehouse in Hong Kong to enhance its presence in the Asian market [3] - OpenAI's largest data center has secured $11.6 billion in funding [3] - Bitcoin surged to nearly $110,000, reaching a historic high [3]

● 本报记者 赵白执南 金融监管总局网站5月21日消息，金融监管总局、人民银行、证监会、国家发展改革委、工信部、财政 部、税务总局、市场监管总局近日联合印发的《支持小微企业融资的若干措施》提出，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；鼓励银行统筹运用无还本续贷、展期、调整还款安 排等方式，做好小微企业贷款到期接续支持。 落实小微企业无还本续贷政策 《若干措施》着重发挥监管、货币、财税、产业等各项政策合力，从增加融资供给、降低综合融资成 本、提高融资效率、提高支持精准性、落实监管政策、强化风险管理、完善政策保障、做好组织实施等 8个方面，提出23项工作措施。 （上接A01版）对接专精特新中小企业、科技和创新型中小企业、名特优新个体工商户。组织开展"一 月一链"中小企业融资促进全国行活动。加大对外贸新业态小微企业的金融支持。修订中小企业划型标 准。 在增加融资供给方面，《若干措施》要求，做深做实支持小微企业融资协调工作机制，向外贸、民营、 科技、消费等重点领域倾斜对接帮扶资源。加大首贷、信用贷、中长期贷、法人类贷款、民营类贷款投 放。用好支农支小再贷款等结构性货币政策工具。落实小微企业无还本 ...

Core Viewpoint - The article discusses the release of measures by eight departments to support financing for small and micro enterprises, focusing on improving their financing conditions through various specific initiatives [1]. Group 1: Increasing Financing Supply - The measures emphasize enhancing the coordination mechanism for financing small and micro enterprises, strengthening loan supervision, and utilizing structural monetary policies [2][3]. - As of February, over 50 million small and micro enterprises and individual businesses have been visited, with credit exceeding 10 trillion yuan, and the balance of non-repayable loans is nearly 7 trillion yuan [2]. Group 2: Policy Support for Equity Financing - The measures encourage small and micro enterprises to engage in equity financing, including listing on the New Third Board and guiding social capital towards innovative small and medium enterprises [3]. - Local financial management departments are supported to enhance their services for small and micro enterprises in equity financing [3]. Group 3: Risk Management and Policy Optimization - The measures propose optimizing risk-sharing compensation mechanisms and implementing tax incentives for small and micro enterprises [4]. - There is a focus on improving the efficiency of bad loan disposal and enhancing risk management for small and micro enterprise loans [6]. Group 4: Financial Service Quality Improvement - The measures include a new goal of improving the quality of financial services for small and micro enterprises, emphasizing risk management and credit quality [6]. - Banks are encouraged to simplify loan risk classification methods and provide more credit resources to small and micro enterprises [6].

Group 1 - The State Financial Supervision Administration and seven other departments issued measures to support financing for small and micro enterprises, emphasizing the establishment of a coordination mechanism for financing support [1] - The measures include conducting extensive visits to small and micro enterprises to assess their operational status and financing needs, facilitating direct access to bank credit [1] - There is a focus on addressing the operational difficulties faced by small and micro enterprises and encouraging support for key sectors such as foreign trade, private enterprises, technology, and consumption [1] Group 2 - In May 2025, a total of 130 domestic online games were approved by the National Press and Publication Administration [2] Group 3 - The State Council announced the removal of Wang Jianjun from the position of Vice Chairman of the China Securities Regulatory Commission [3] Group 4 - The Shanghai Municipal Government issued a plan to boost consumption, which includes measures to promote reasonable income growth and improve wage distribution mechanisms [4] - The plan aims to enhance the minimum wage adjustment mechanism and support the development of the rural economy and new business models [4] Group 5 - Shanghai is accelerating the introduction of childcare subsidies and maternity social security subsidies as part of its efforts to build a family-friendly society [5] - The city plans to explore increasing parental leave and spouse's paternity leave while enhancing the quality of public kindergartens [5] Group 6 - The Ministry of Foreign Affairs stated that China has the capability and confidence to handle external risks, including tariff wars, as evidenced by a 2.4% year-on-year increase in total goods import and export in the first four months of the year [6] - Exports grew by 7.5%, indicating strong international competitiveness despite high tariff barriers [6] Group 7 - The Ministry of Foreign Affairs expressed strong opposition to the EU's unilateral sanctions against Chinese companies, emphasizing the need for fair trade practices [8] - The ministry highlighted that normal business interactions between Chinese and Russian companies should not be disrupted by these sanctions [8] Group 8 - The Dalian Commodity Exchange announced trading arrangements for the Dragon Boat Festival period, with a market closure from May 31 to June 2, 2025, and a return to normal trading on June 3 [9] Group 9 - Heng Rui Pharmaceutical set the issuance price for its H-shares at HKD 44.05 per share [11] - Xinyuan Technology plans to issue H-shares and list on the Hong Kong Stock Exchange [11] - The company Guokai Microelectronics is planning a major asset restructuring, leading to a suspension of its stock from May 22 [11]

Domestic News - The National Financial Supervision and Administration, along with eight other departments, issued measures to support small and micro enterprises in financing, allowing eligible companies to list on the New Third Board and subsequently on the Beijing Stock Exchange after standard growth [1] - The National Press and Publication Administration approved 130 domestic online games and 14 imported online games in May [1] - The Shanghai Municipal Government released a special action plan to boost consumption, promoting automobile sales and introducing new subsidies for digital products such as mobile phones, tablets, and smartwatches, while also supporting green home appliances and home decoration consumption [1] - A luxury residential project in Huangpu, Shanghai, achieved an average price of 185,000 yuan per square meter, becoming the first single project in the country to exceed 10 billion yuan this year [1] International News - OpenAI's largest data center secured $11.6 billion in financing, indicating strong investor confidence in AI infrastructure [2] - U.S. House Speaker Johnson announced an agreement on a $40,000 cap for state and local tax deductions, which may impact tax strategies for individuals and businesses [2] - Bitcoin surged to record levels driven by optimistic expectations regarding U.S. regulatory policies [3]