"我们是一家小型水力发电企业，除水电站建筑外没有其他抵押物，无法办理传统抵押贷款。"南川区尖 石滩电站负责人表示。小微企业融资协调机制启动后，企业通过咨询和意向申报，工作专班组织召开专 题协调会，指导意向银行—邮储银行（601658）南川支行针对企业实际情况，创新电费收益权质押担保 方式，免除企业融资所需的资产抵押，迅速为企业发放170万元贷款，有效满足小型电站融资需求。 自2024年11月机制运行以来，南川区组建"千人走访团"，走访4.05万户市场主体，解决资金难题等问题 6500余件；累计推荐授信小微企业9258户、金额131.26亿元，实际放款9614户、金额128.7亿元，切实打 通金融惠企"最后一公里"。 近日，从重庆市委金融办优化营商环境获取金融服务工作专班获悉，重庆市南川区以"加减乘除"组合拳 为抓手，持续优化金融营商环境。截至今年9月末，全区银行机构贷款余额达669.02亿元，同比增长 10.05%；中小微企业贷款余额453.8亿元，同比增长15.8%。 精做"加法"，加大银企对接走访力度 针对小微企业抗风险能力弱、基层银行"惜贷""惧贷"等堵点，南川区建立授信台账，对未获批企业"一 事一议" ...

Core Insights - The Chongqing Municipal Financial Office hosted a training session aimed at optimizing the financial business environment in the Yuxi region, marking the first region-specific "tailored" financial service training in Chongqing [1] - The training focused on key areas such as financial policies, credit services, digital finance, and government financing guarantees, ensuring that the content met the needs of the local business environment [1][2] - The training session achieved full coverage across government, institutions, and enterprises, with over ten thousand online views, indicating strong interest and engagement from the community [2] Group 1 - The training utilized a combination of online and offline teaching methods, connecting eight districts in the Yuxi region to enhance corporate financing capabilities [1] - A comprehensive research effort was conducted prior to the training to identify bottlenecks in the financial business environment, allowing for targeted training content [1] - Experts from the People's Bank of China and financial institutions provided a full-chain interpretation system, addressing enterprise concerns and facilitating expert Q&A [1] Group 2 - The "Yujin Tong" financial brain aims to enhance the comprehensive financial service capability system, integrating various financial services for businesses and the public [2] - The "Yujin Dun" risk control brain focuses on the intelligent transformation of local financial management, consolidating regulatory and risk management functions for local financial organizations [2] - Future training sessions are planned for the northeastern and southeastern regions of Chongqing, with content tailored to local industry structures and enterprise needs [2]