其三，多方政策齐发力，加快推进《若干措施》落实落地，发挥监管、货币、财税、产业等各项政策合 力，切实降低小微企业融资成本。落实落细小微企业贷款差异化监管政策，发挥大型商业银行金融"压 舱石"作用，针对小微企业信贷业务成本高、收益低等特点，既要做好信贷投放，同时要加强风险防 范，加大首贷、信用贷、中长期贷、法人类贷款、民营类贷款投放，进一步优化融资结构，构建形成适 应其特点的产品服务体系。完善融资增信机制，加大对信用状况良好的小微企业融资支持力度，做好小 微企业贷款到期接续支持，科学合理拓宽押品范畴，创新丰富信贷产品。 下一步，应充分借鉴本次政策出台后各地的实践经验，通过"三个齐发力"，化解小微企业"找不到"与金 融机构"信不过"的双向难题，优化金融服务流程，打好政策协同的"组合拳"。 其一，供需两端齐发力，在"找不到"与"信不过"间搭建桥梁，统筹解决小微企业融资难和银行放贷难问 题。用好支持小微企业融资协调工作机制，摸清小微企业的经营状况、自身信用、资金需求以及面临的 融资难题，让银行便于从海量小微企业中精准识别，构建一套科学有效的供给扩容机制。例如，江西抚 州多部门联动，依据"合规经营、固定场所、真实需求、 ...

在县域经济发展中，小微企业宛如水滴，虽个体微小，却能汇聚成推动地方经济前行的长河。 △永昌县域支持小微企业融资协调机制座谈会 然而，融资贵、担保难却长期制约着小微企业的发展步伐。永昌金融监管支局以创新之姿、担当之态，积极探索多元化增信路径，为小微企业融资打开了 一扇崭新的大门。 突破传统抵押限制 多元增信启新程 不仅如此，考虑到合作社无法承担担保费的实际困难，兰州银行永昌支行将贷款利率降低至3.85%。这一系列举措如同及时雨，让合作社能够安心投入生 产，继续在品牌建设的道路上大步前行。 精准转贷注活水 长期以来，传统抵押限制犹如高墙，将众多小微企业挡在融资大门之外。抵押物不实或缺失，成为企业获取贷款的"拦路虎"。 永昌金融监管支局敏锐地洞察到这一痛点，于是，积极引导辖内银行机构与金控公司等政府性融资担保平台深化对接，探索多元化增信方式。这一举措如 同架设稳固桥梁，紧密连接银行风控诉求与企业融资需求，有效化解了部分小微企业抵押物不足难题，使更多小微企业获得融资成为可能。 同时，为提升融资效率，永昌金融监管支局发挥监管引领作用，指导银行机构精简审批流程，压缩审批时限。以往繁复环节得以简化，企业无须长久等待 审批结 ...

Core Insights - The article highlights the transformation of traditional food production in Henan's Jia County, specifically focusing on the automated production of the local specialty, He Le Mian, by Huang Banzhang Food Co., Ltd [1][3] - The company has developed a product matrix that includes fresh, self-heating, and instant varieties, expanding its offerings to over ten specialty food products [1][4] - The financial support from Zhongyuan Bank has been crucial for the company's growth, with a recent loan of 500,000 yuan facilitating market expansion and the development of new high-quality food products [3][4] Company Overview - Huang Banzhang Food Co., Ltd was established in 2016, driven by a demand for local flavors among customers in the restaurant business [1] - The company has successfully integrated automated production lines to standardize and package traditional He Le Mian, allowing for wider distribution [1][3] - The founder, Huang Pu Jian, emphasizes the importance of financial support from banks in enabling business growth and innovation [3][4] Financial Support and Impact - Zhongyuan Bank's Jia County branch has implemented a "thousand enterprises, ten thousand households" outreach program, visiting over 10,580 small and micro enterprises since October of the previous year [4] - The bank has streamlined its loan approval process, reducing the average approval time by over 30%, and has provided over 2.5 billion yuan in loans to small and micro enterprises [4] - The efficient service provided by the bank, including on-site assistance, has been highlighted as a significant factor in supporting local businesses like Huang Banzhang Food [3][4]

Core Viewpoint - The Chinese government is implementing structural monetary policies to support technological innovation, boost consumption, assist small and micro enterprises, and stabilize foreign trade, with a focus on resolving financing difficulties for small and micro enterprises [1][2]. Group 1: Financing Support Mechanisms - A coordination mechanism has been established to facilitate quick connections between small enterprises and financial institutions, exemplified by the case of Zhejiang Mailong Electric Co., which received a loan of 9.9 million yuan within three days through a dedicated service team [2][3]. - As of June 2023, 960,000 small enterprises in Zhejiang have received credit support through this mechanism, demonstrating its effectiveness in addressing financing needs [3][4]. Group 2: Policy Measures and Cost Reduction - The "no repayment renewal loan" policy has been expanded to all small enterprises, allowing them to apply for loan renewals if they have genuine financing needs, significantly alleviating their financial pressure [5][6]. - The average interest rate for newly issued inclusive loans to small enterprises was 3.89% in the first half of the year, a decrease of 1.98 percentage points compared to 2020, indicating a concerted effort to lower financing costs [7]. Group 3: Credit Platforms and Efficiency - The establishment of credit platforms, such as the "Tianfu Credit Pass," has improved financing efficiency by providing data-driven credit assessments for enterprises lacking collateral, as seen in the case of Tianyun Biotechnology [8][9]. - Various regions are enhancing data resource integration and credit information sharing to address the financing challenges faced by small enterprises, thereby improving the overall lending process [9].

Core Viewpoint - The article emphasizes the importance of small and micro enterprises in stabilizing employment and improving livelihoods, highlighting the efforts of the Jiangsu Financial Regulatory Bureau to enhance financial accessibility and satisfaction for these businesses [1] Group 1: Financial Support and Initiatives - As of the end of June, the loan balance for small and micro enterprises in Jiangsu reached 9.6 trillion yuan, a year-on-year increase of 16.7% [2] - The Jiangsu Financial Regulatory Bureau has established a "Five Promotes and Five Optimizes" work system to enhance financial services for the real economy, including special actions to expand first-time loans for technology-based enterprises [2] - A special working group for foreign trade was formed to address international trade challenges, resulting in the issuance of 12 specific policies to support foreign trade financing [2] Group 2: Individual Business Support - The number of individual business loan accounts increased by 230,000 compared to the same period last year, indicating a growing support for various types of individual businesses [2] - The Jiangsu Financial Regulatory Bureau has implemented a talent empowerment initiative for rural revitalization, combining financial talent with grassroots governance to enhance service delivery [2] Group 3: Innovative Financing Solutions - The Bureau has improved the efficiency of loan applications by creating detailed customer profiles through data sharing and cross-verification with various business metrics [3] - Cumulative loans issued under government-bank cooperation products like "Small Micro Loans" and "Su Trade Loans" have exceeded 650 billion yuan, with over 590 billion yuan in credit loans facilitated through the coordination mechanism [3] - The Bureau has organized events to promote financial support policies and help businesses expand sales channels, thereby boosting consumer activity [3] Group 4: Enhanced Financial Services Platform - The "Su Yi Rong" inclusive financial service platform has been upgraded to include over 800 specialized financial products, providing one-stop services for loan applications and insurance [4]

Core Insights - The article discusses the proactive measures taken by Tanghe County's Sizhou Street to address the financing difficulties faced by small and micro enterprises [1][3] Group 1: Financing Needs Assessment - Sizhou Street has conducted a comprehensive assessment of the financing needs of small and micro enterprises by engaging directly with business owners to understand their funding requirements and challenges [3] - A detailed financing demand ledger has been established to categorize and record the specific needs of each enterprise, ensuring a thorough understanding of their situations [3] Group 2: Bank Coordination and Support - The street has implemented a "Two Hands Holding" strategy to bridge the gap between enterprises and banks, facilitating communication and feedback on financing needs [3] - Efforts have been made to coordinate with banks to design personalized financing products and services based on the actual conditions of the enterprises [3] - The street has also worked to streamline loan approval processes, reducing unnecessary procedures to enhance the efficiency of loan approvals [3] Group 3: Specialized Support Services - A dedicated financing consultation hotline and service window have been established to assist enterprises with various financing-related issues, providing one-on-one policy interpretation and guidance [5] - A green channel has been opened for enterprises with urgent financing needs to ensure timely responses to their requests [5] - As a result of these efforts, 412 small and micro enterprises in the area have completed the financing needs assessment, with 14 enterprises expressing loan intentions and successfully connecting with banks [5]

央视网消息（新闻联播）：金融监管总局最新数据显示，截至今年6月末，全国小微企业贷款余额87.74 万亿元，同比增长12.49%。其中，今年1—6月新发放的普惠型小微企业贷款平均利率比去年下降0.46个 百分点。 金融监管总局、国家发展改革委还联合建立了支持小微企业融资协调工作机制。截至6月末，依托这一 机制全国已累计走访超过9000万户小微经营主体，银行对推荐清单内经营主体新增授信23.6万亿元，新 发放贷款17.8万亿元。 今年以来，金融管理部门先后出台多项措施精准支持小微企业融资，包括落实、落细小微企业无还本续 贷政策，推动银行加大首贷、信用贷、中长期贷款、民营企业贷款投放等。 ...

Core Insights - Hubei Province has supported 2,713 foreign trade enterprises in obtaining loans through a financing coordination mechanism for small and micro enterprises, with a total credit of 144.47 billion and financing of 78.76 billion, at an annualized interest rate of 2.77% [1] - The Hubei Financial Regulatory Bureau is accelerating the promotion of comprehensive export credit insurance for small and micro enterprises and exploring the establishment of a "domestic trade insurance co-insurance body" to support stable development [1] - In the first half of the year, insurance institutions provided export credit insurance coverage amounting to 7.605 billion USD for foreign trade enterprises [1]

Core Viewpoint - The support mechanism for small and micro enterprises financing has shown positive results since its establishment in October last year, with significant increases in credit and loan issuance [1][2]. Group 1: Mechanism Effectiveness - As of June 2025, over 90 million small and micro enterprises have been visited under the mechanism, resulting in new credit of 23.6 trillion yuan and new loans of 17.8 trillion yuan, with credit loans accounting for 32.8% [1]. - The balance of inclusive loans for small and micro enterprises increased by 12.31% year-on-year, significantly higher than the average growth rate of all loans [1]. Group 2: Collaborative Approach - The mechanism leverages the advantages of the party's leadership and the socialist system, involving multiple stakeholders at both national and local levels to address the complex causes of financing difficulties [1][2]. - A collaborative effort among various departments, including finance and tax, has been established to gather data and accurately assess the financing needs of enterprises [2]. Group 3: Market-Oriented Solutions - The mechanism effectively combines government support with market principles, ensuring that administrative advantages are utilized while adhering to banking regulations [2]. - Local working groups have conducted extensive outreach to identify financing needs and connect enterprises with banks, enhancing the accuracy of loan assessments [2]. Group 4: Policy Implementation - Attention to detail in policy implementation is crucial to prevent bottlenecks in the financing process, ensuring that credit reaches the intended enterprises [3]. - The introduction of measures to protect diligent credit personnel encourages banks to lend more freely, thereby facilitating the flow of financial resources [3].

Core Viewpoint - The National Financial Supervision Administration reported significant progress in supporting small and micro enterprises' financing, with over 90 million visits conducted and substantial credit issued by banks since the initiative's launch in October 2024 [1] Group 1: Financing Mechanism - As of June 2025, the financing coordination mechanism for small and micro enterprises has facilitated visits to over 90 million small business entities [1] - Banks have issued new credit totaling 23.6 trillion yuan to businesses on the "recommended list," with new loans amounting to 17.8 trillion yuan [1] - Credit loans account for 32.8% of the total new loans issued [1] Group 2: Implementation and Standards - The financing support mechanism was initiated by the National Financial Supervision Administration and the National Development and Reform Commission, with participation from relevant departments and banking institutions [1] - Local governments have established corresponding work mechanisms, and special teams have organized large-scale visits to thousands of enterprises [1] - Five standards are used to assess financing needs: compliance with ongoing operations, fixed business locations, genuine financing needs, good credit status, and lawful loan purposes [1]