长江商报消息 对于中小微企业来说，资金链就是生命链。湖北建立应急转贷纾困体系，有力护航中小 微企业平稳健康发展。 据统计，自2023年湖北应急转贷纾困服务体系建立以来，政策红利持续释放，全省累计为10891家中小 微企业完成转贷业务17385笔，总规模攀升至1638.82亿元，持续保持业务"零代偿"；累计帮助全省中小 微企业降低融资成本约61亿元。 截至2025年11月底，全省年内应急转贷纾困业务规模突破600亿元大关，达602.08亿元，同比增长 17.40%，通过6666笔转贷业务，为5497家中小微企业提供关键续贷支持，直接降低企业资金成本21.69 亿元。 转贷纾困实现省域全覆盖 "如果我们使用民间过桥资金，1000万元贷款至少要负担20万元的转贷费用，应急转贷实实在在帮助我 们解决了资金难题，坚定了我们做大做强的决心。"近日，湖北某国家循环化改造示范试点企业负责人 在备案机构业务人员的帮助下，企业仅用1个工作日便完成了续贷手续，节省资金成本19万余元，缓解 了因采购新型生产设备而面临的资金周转压力。 2025年以来，像这家企业一样获得湖北中小微企业应急转贷纾困基金帮助的企业遍布全省。截至2025年 ...

宝鸡市工业发展促进中心主任辛金阳介绍，宝鸡市以创新型中小企业、专精特新企业、制造业单项 冠军企业和产业链链主企业为主体，积极落实"工信贷"政策，让更多中小微企业受益。"此次，宝鸡市 158家企业的集中入选，是对宝鸡中小微企业发展活力的充分肯定，也是'工信贷'政策精准赋能区域产 业发展的生动实践。"辛金阳说。 据悉，入选"工信贷"白名单的企业可以享受省内金融机构合理增加授信额度，适度提高信用贷款和 中长期贷款比重以及在内部转移定价、授信审批等方面的差异化安排，并被纳入陕西省中小微企业银行 贷款风险补偿范围。（记者：李静茹） "工信贷"是陕西支持中小微企业发展的重要金融举措，可通过风险补偿机制为企业搭建高效融资桥 梁，不仅能降低企业贷款门槛、减少融资成本，还能缩短审批周期、优化信贷服务，为企业技术研发、 产能扩张、市场拓展等关键发展环节注入"金融活水"。 11月13日，记者从宝鸡市工业发展促进中心获悉：日前，宝鸡市158家企业入选第四批全省"工信 贷"白名单。截至目前，宝鸡全市入选"工信贷"白名单企业达590家，居全省地级市首位。 ...

Group 1: Industry Overview - The Douban industry in Chengdu, Sichuan, is experiencing a revival, supported by financial initiatives from local banks, allowing traditional enterprises to overcome previous financing difficulties and expand their market reach [1] - Small and micro enterprises (SMEs) contribute significantly to China's economy, accounting for over 50% of tax revenue, 60% of GDP, 70% of technological innovations, 80% of urban employment, and 90% of the total number of enterprises [2] - The People's Bank of China has implemented a series of policies to enhance financial services for SMEs, including increasing the loan limit for inclusive micro loans from 10 million to 20 million yuan [3] Group 2: Financial Support Initiatives - Financial institutions are encouraged to adopt a long-term mechanism to support SMEs, ensuring they are willing and able to provide necessary services [3] - The introduction of targeted financial products, such as "Miao Embroidery Special Loans" in Xiangxi, has provided timely financial support to cultural enterprises, facilitating the growth of traditional crafts [6] - In Qingdao, the establishment of commercial bank service centers has enabled 4,175 SMEs to receive initial loans totaling 11.78 billion yuan, significantly lowering the barriers for first-time borrowers [7] Group 3: Policy Implementation and Impact - Local branches of the People's Bank of China have tailored financial solutions to meet the unique needs of regional industries, demonstrating effective policy implementation [4] - The "Knowledge Micro Loan" project in Shaoxing has successfully supported over 2,000 enterprises with a total of 62 billion yuan in intellectual property pledge financing, benefiting a significant portion of technology-based SMEs [7] - The ongoing financial support for SMEs is expected to enhance liquidity and ensure that financial institutions meet the reasonable funding needs of private enterprises [8]