中国人民银行近日发布的《2025年第三季度中国货币政策执行报告》显示，9月末，科技贷款、绿色贷 款、普惠贷款、养老产业贷款、数字经济产业贷款同比分别增长11.8%、22.9%、11.2%、58.2%、 12.9%，均高于全部贷款增速。当前，在普惠信贷服务乡村振兴等政策引导下，普惠金融加快推动实体 经济转型升级。 资金精准直达 信贷精准直达让更多经营主体获得融资支持。福建金融监管局深入推进小微融资协调机制走深走实，截 至10月末，走访各类经营主体376.77万户，累计发放贷款64.12万户次、6998.99亿元。福建省农村信用 社联合社普惠金融部相关负责人表示，农信系统坚持把金融服务的着力点放在实体经济上，深化政银企 三方协同联动，优化信贷审批流程，完善尽职免责制度，持续开展"千企万户大走访"活动，引金融活水 滴灌民营小微企业。 中国社会科学院金融研究所银行研究室主任李广子表示，完善小微企业融资服务涉及金融供需双方等不 同主体，同时涉及金融、财政、税收等多方面政策，需要统筹协调，搭建起银企精准对接的桥梁，解决 小微企业融资中供需不匹配的问题。小微融资协调机制建立以来，对于提高小微企业融资效率发挥了重 要作用。 ...

Group 1 - The core viewpoint of the news is the emphasis on strengthening the social credit system in China through various measures, as outlined in the recent opinions issued by the central government [1] - The importance of effectively utilizing credit information is highlighted, with a focus on improving the collection and sharing of credit data to enhance efficiency and reduce resource waste [2] - The establishment of a national credit information sharing platform is aimed at facilitating data sharing across different sectors, particularly in the transportation industry, which has already accumulated 3.57 billion pieces of credit information [3] Group 2 - The initiative to enhance financing accessibility for small and micro enterprises is crucial, with the collection and sharing of credit information being a key strategy to improve their financing convenience [4] - As of February 2025, the balance of loans to small and micro enterprises reached 33.9 trillion yuan, with credit loans accounting for 9.4 trillion yuan, reflecting a year-on-year growth of 25.8% [5] - The development of a multi-tiered credit market is emphasized, with the establishment of market-oriented credit institutions to optimize personal and corporate credit markets, providing extensive credit services [6]