数字赋能多元增信 浙江发布金融支持个体工商户十条举措 中新网杭州12月26日电(蓝伊旎)25日，浙江省金融支持个体工商户高质量发展十条举措新闻发布会在杭 州召开，会上发布了10条专门支持个体工商户的金融政策，涵盖外贸支持、数字赋能、增信措施、保险 保障、分类帮扶等十个方面。 个体工商户是浙江省数量最多的市场经营主体。最新数据显示，该省在册个体工商户749万户，占其全 部经营主体的64.4%。 为加大对外贸个体工商户的金融支持，浙江提出简化外汇支付手续、提升跨境资金结算效率、推广个体 工商户汇率避险等政策。例如，浙江将允许银行、支付机构凭交易电子信息为个体工商户提供跨境资金 结算服务，同时简化物流、仓储、退货等环节的外汇支付手续。 浙江还提出将续贷政策从小微企业拓展到个体工商户，推广"连续贷+灵活贷"机制，满足其临时性、季 节性资金需求。 发布会现场。 主办方 供图 来源：中国新闻网 编辑：熊思怡 广告等商务合作，请点击这里 本文为转载内容，授权事宜请联系原著作权人 据悉，浙江还推动"浙江省金融综合服务平台"与"浙江省个体工商户服务在线"数据互通，依托"千万经 营主体信用工程"完成了个体工商户信用精准画像和评级 ...

Core Viewpoint - The Zhejiang Province has introduced the "Ten Measures for Financial Support of Individual Industrial and Commercial Households" to address the challenges faced by individual businesses, which constitute a significant portion of the local economy and employment [1][2]. Group 1: Policy Overview - The policy includes ten areas of focus: foreign trade support, stable financing expectations, digital empowerment, credit enhancement measures, insurance protection, categorized assistance, cost optimization, service accessibility, one-stop services, and policy promotion [1]. - The measures aim to resolve urgent issues faced by individual industrial and commercial households [1]. Group 2: Foreign Trade and Financing Support - To enhance foreign trade support, the policy proposes simplifying foreign exchange payment procedures and improving cross-border fund settlement efficiency [1]. - The financing expectations for individual businesses will be stabilized by extending loan renewal policies from small and micro enterprises to individual industrial and commercial households, along with promoting "continuous loans + flexible loans" to meet temporary and seasonal funding needs [1][2]. Group 3: Credit and Insurance Innovations - The policy aims to address the long-standing issue of unsecured loans for individual businesses by utilizing a provincial financial service platform to create precise credit profiles, enabling financial institutions to issue credit loans based on these evaluations [2]. - It also encourages converting intangible asset values, such as trademarks and patents, into loan qualifications, providing intellectual property pledge financing for businesses with such assets [2]. Group 4: Targeted Assistance - The policy emphasizes categorized and precise assistance based on the development stages of individual businesses, offering tailored financial products such as "entrepreneur loans" for startups and guaranteed loans for survival-type businesses [2]. - For growth-type businesses, credit loans and expedited loan approvals will be provided, while development-type businesses will have access to specialized credit products like "Famous and Special Loans" [2]. Group 5: Service Enhancement - The policy focuses on increasing credit issuance and consumer finance resources, enhancing service reach through online and offline strategies, and establishing comprehensive service centers for one-stop services [3]. - It also aims to strengthen multi-department collaboration for effective policy promotion and implementation [3].

Core Viewpoint - Zhejiang Province has introduced the "Ten Financial Measures to Support Individual Businesses" aimed at addressing the urgent needs of individual businesses, focusing on aspects such as foreign trade support, financing stability, digital empowerment, and one-stop services to promote high-quality development [1][3]. Group 1: Financial Support Measures - The "Ten Financial Measures" include simplifying foreign exchange payment procedures, enhancing cross-border fund settlement efficiency, and promoting currency risk hedging for individual businesses [3][4]. - The measures expand the renewal loan policy from small and micro enterprises to individual businesses, introducing a "continuous loan + flexible loan" mechanism to meet temporary and seasonal funding needs [4][5]. - The initiative aims to convert intangible asset values, such as trademarks and patents, into loan qualifications, providing intellectual property pledge financing for individual businesses [4][5]. Group 2: Classification and Targeted Assistance - The policy encourages low-threshold "entrepreneurial loans" for "startup" individual businesses, guarantees loans for "survival-type" businesses, and offers credit loans and expedited approvals for "growth-type" businesses [5][6]. - A focus on providing tailored support based on the different development stages of individual businesses is a significant highlight of the measures [5][6]. - The initiative also emphasizes increasing credit allocation and consumer finance resources, enhancing service reach through online and offline methods, and establishing comprehensive service centers for one-stop services [5][6]. Group 3: Digital Empowerment and Credit Evaluation - Zhejiang Province has developed a new financing model centered on credit, creating a closed-loop system of "digital empowerment + credit evaluation + credit-based lending" to convert credit evaluation results into usable loan qualifications [6][7]. - The "Zhejiang Individual Business Service Online" platform connects 7.49 million individual businesses with 219 banks, addressing the information asymmetry in loan applications [6][7]. - The credit evaluation model, built from public data, allows for precise profiling and rating of individual businesses, facilitating easier access to credit loans and better interest rates for those with high credit ratings [7].

个体工商户是浙江经济的"基本盘"。截至12月，全省在册个体工商户达749万户，占全部经营主体的 64.4%，是稳就业、促民生的重要力量。省市场监管局相关负责人表示，当前部分个体工商户面临成本 增加、收入减少、资金周转压力加大等挑战，新政策的出台恰逢其时，旨在盘活资产、扩大经营，巩固 经济微观基础。 《个体工商户金融十条》聚焦核心痛点，推出系列务实举措。例如，在外贸支持方面，简化外汇支付手 续、提升跨境资金结算效率、推广个体工商户汇率避险等；在稳定融资预期方面，将续贷政策延伸覆盖 至个体工商户，并推广"连续贷+灵活贷"机制，满足其临时性、季节性资金需求。 为确保政策精准直达，浙江构建了多部门协同推进机制。该政策由省市场监管局、人民银行浙江省分 行、国家金融监督管理总局浙江监管局及相关金融机构共同制定实施。 下一步，浙江省将着力推动政策落地见效，持续深化"个转企"一件事改革，健全"大企帮小店"长效机 制，擦亮"浙个好"公共服务品牌，为个体工商户高质量发展提供全方位支撑。据潮新闻 （来源：衢州日报） 转自：衢州日报 12月25日，浙江省正式发布《浙江省金融支持个体工商户高质量发展十条举措》（以下简称《个体工商 户金 ...

Core Viewpoint - The Zhejiang Provincial Government has announced ten measures to support the high-quality development of individual businesses, aiming to enhance financial services and improve operational efficiency for this sector [1][15]. Group 1: Financial Support Measures - Simplification of foreign exchange payment procedures and enhancement of cross-border fund settlement efficiency for individual businesses [3][15]. - Extension of loan renewal policies from small and micro enterprises to individual businesses, allowing for early renewal assessments by financial institutions [4][18]. - Implementation of a digital platform to create precise credit profiles for individual businesses, facilitating access to credit loans based on credit evaluations [5][20]. Group 2: Risk Management and Insurance - Promotion of various insurance products tailored for individual businesses, including "restaurant and accommodation insurance" and "small business insurance," to mitigate operational risks [6][22]. - Introduction of knowledge property pledge financing services for individual businesses with intangible assets like trademarks and patents [5][20]. Group 3: Tailored Financial Services - Development of differentiated financial services based on the growth stage of individual businesses, including low-threshold "startup loans" for new businesses and credit loans for established ones [7][24]. - Encouragement of financial institutions to utilize tax exemptions on loan interest income to reduce financing costs for individual businesses [9][26]. Group 4: Accessibility and Policy Promotion - Increased outreach efforts to individual businesses through online platforms and face-to-face meetings to improve access to financial services [10][27]. - Establishment of comprehensive service centers to provide a one-stop solution for credit, insurance, and administrative services [11][30]. - Collaborative efforts among regulatory bodies and financial institutions to enhance policy awareness and accessibility for individual businesses [12][31].