截止2026年1月初，全州推荐清单内获得贷款企业数量3495家，较上月增长369家，获贷企业占推荐清单 总数比重由64%上涨至71%；累计授信金额较2025年12月初增加44亿元，累计放贷金额增加4亿元；个 体工商户与其他经营主体融资覆盖工作加速拓展，个体工商户融资覆盖率达到85%，其他经营主体融资 覆盖率达到24.3%，融资服务工作正从广泛覆盖向精准滴灌方向推进。 甘南州小微企业融资协调工作的重心将逐步由"面上拓展"转向"提质增效"，做精做深融资对接，于"小 微"处破壁垒、提效率、优服务，助力更多市场主体将"生意流水"转化为高质量发展的"源头活水"，以 微观主体的活力，激发整个市场和社会的活力。 甘南州持续有效发挥小微企业融资协调机制作用，聚焦市场主体融资需求，强化政策协同，推动金融服 务提质增效，在实现小微企业融资全覆盖的基础上，想方设法加大其他经营主体获贷力度，助推获贷数 量与授信金额双提升。 总审核丨杨海强 审核丨沙杰草 供稿丨产业科 窦恒 责编丨刘睿方 ...

为切实破解企业融资难题、持续优化营商环境，佳木斯市财政局联动中国人民银行佳木斯市分行、国家 金融监督管理总局佳木斯监管分局创新建立"金融顾问"服务机制，组织辖内金融机构转变传统信贷模 式，由"企业上门找贷"变为"银行主动送贷"。由金融机构负责人带队的顾问团队深入企业，开展"一对 一"全流程信贷辅导，帮助梳理申报材料、提前排查问题，通过并行审批大幅压缩办理时间，提升融资 效率。 针对小微企业普遍面临的缺抵押、缺信用记录等困境，佳木斯市财政局推动市级政府性融资担保机构推 出多项普惠举措：降低创业担保贷款反担保门槛，推广纯信用贷款模式，并实行担保费用减免。同时， 联合人社等部门组织政策培训，确保企业清晰了解贴息、补贴等各项扶持政策。 （来源：黑龙江日报） 转自：黑龙江日报 本报讯（记者孙思琪）"从提交申请到资金到位，只用两天时间，贴息后实际利率仅1.5%，政府的帮扶 政策真是雪中送炭！"黑龙江星辰创新科技企业孵化器有限公司总经理韩鹏感慨。 2025年以来，佳木斯市深入贯彻落实黑龙江省"服务企业效能提升突破年"行动部署，以小微企业融资协 调机制为重要抓手，持续推动财政与金融政策协同创新，促进金融资源精准流向实体经济。 ...

本报讯 "银行仅用30分钟就为我们公司发放了200万元贷款，年利率才3%，旺季备货的资金难题终于解 决了！"近日，广西志兴木业有限公司负责人感慨道。 近年来，河池市采用"地理适配+行业细分"的创新模式，成功让金融活水冲破阻碍。199亿元贷款精 准"滴灌"11.9万户企业，打造出"不难办、服务优、特色亮"的营商新生态，为乡村振兴和产业升级注入 强大动力。 针对山区企业分布零散的痛点，河池构建"市级统筹+县（区）专班"机制，700余名干部化身"金融服务 员"，开展"千企万户大走访"活动，打通服务企业的"最后一公里"。宜州区专班先啃"硬骨头"，走遍15 为促进政策红利精准落地，河池建立"闭环辅导"机制，对从需求对接、材料审核到贷款发放的全流程进 行跟踪服务。东兰佳城商贸的200万元备货贷款、都安阳羽电子有限公司的150万元"工业快贷"均快速到 位，后者还享受1%贴息。通过动态档案跟踪和跨部门联动，企业融资时间最短可缩至3个工作日，进一 步降低了融资成本。（韦少团 兰想） 来源：河池日报 个乡镇1026家企业，把服务送到厂房车间、田间地头。 线下走访摸清需求，线上平台高效撮合。依托广西中小企业融资撮合平台，企业自主选 ...

近日，由新华指数研究院金融经贸研究中心运营的"普惠金融—小微指数"第30期成果发布。指数结果显 示，2025年三季度，小微企业融资成本显著下降，资金供给持续增长，金融服务的可得性和质量进一步 提升，小微企业发展情况稳中向好。金融加力支持小微企业，扎实做好普惠金融大文章，进一步服务实 体经济高质量发展。 普惠金融服务体系和能力持续提升。国家金融监管总局、中国人民银行联合发布的《银行业保险业普惠 金融高质量发展实施方案》提出银行保险机构要坚持又普又惠的基本原则，持续提升覆盖面和可得性， 推动降低综合成本。2025年三季度，普惠金融-小微服务指数结果显示，金融服务可得性和质量均有所 上升。其中可得指数运行至203.47点，环比增长3.02%；质量指数运行至111.76点，环比增长0.31%。 2025年三季度普惠金融-发展指数平稳运行至52.48点，环比略升0.21%。中国中小企业协会公布的9月中 国中小企业发展指数为89，高于去年同期，小微企业发展呈稳中向好趋势。小微企业营商环境持续改 善，2025年三季度普惠金融-小微营商指数运行至57.85点，环比略升0.02%。 分行业看，指数运行结果显示，2025年三季度 ...

加强政策宣传，有序摸排走访。通过收集各银行机构针对小微企业开发的金融产品，制作了《栖霞市小 微企业金融服务手册》，采用"线上+线下"同步宣传的方式，借助平台公众号、视频号、"普惠金融政策 宣传月"、镇街定期座谈会等进行宣传推广，开展集中宣传活动20余次，有效扩大宣传范围，提高小微 企业的信任度和满意度。定期开展"进街、入园、访企"活动，在镇街与银行机构的共同配合下，截至 2025年11月末，已走访小微企业9749户，对辖内外贸企业实现走访全覆盖。其中5276户纳入"申报清 单"，经审核筛选共有3479户纳入"推荐清单"，累计发放贷款余额71.69亿元，占全市贷款余额的65.54 %，同时加大对民营企业、专精特新企业、外贸企业等重点领域的金融支持力度，有效缓解了小微企业 融资困境。 精准把脉问诊，破解难点堵点。针对"两张清单"内未获得融资贷款的企业建立问题台账，每半月定期开 展一次"联合会诊"活动，日常依托"亲清发改会客厅"，及时梳理企业存在问题，指导银行机构选派专业 人员跟进辅导，为企业提供修复对策，针对完成数据补正的小微企业开通绿色审批通道，适度提升授信 额度，做到应贷尽贷、能贷快贷。"在客户经理的指导下， ...

龙游农商银行在日常市场走访中得知企业难题后，第一时间组建专项服务团队，由客户经理主动上门对 接。考虑到危险化学品生产企业的资产特性和融资需求，该行打破传统信贷模式局限，创新设计"固定 资产抵押+银行承兑汇票"的组合融资方案：以企业现有厂房作为抵押夯实授信基础，同时通过承兑汇 票优化资金结算效率，既降低了企业融资成本，又保障了资金快速到位。 从政策解读、资料收集到审批放款，龙游农商银行全程开辟"绿色通道"，仅用3个工作日就完成了全部 流程，1700万元信贷资金顺利精准直达企业账户。"以前总觉得银行贷款手续繁琐，这次真是颠覆了我 的认知，从申请到到账全程高效省心。"吴俊敏感慨地说。 小微企业是地方经济的"毛细血管"，其融资难题一直是金融服务的重点。近年来，龙游农商银行始终坚 守"支农支小"市场定位，聚焦小微企业融资"短、频、急"特点，不断创新信贷产品、优化服务流程，先 后推出"小微易贷""税银贷"等特色产品，通过"一企一策"定制融资方案，为小微企业发展注入金融活 水。 下一步，龙游农商银行将持续深化金融服务创新，进一步提升服务精准度和专业度，不断拓宽服务覆盖 面，把更多金融资源配置到小微企业发展的关键领域，以优质 ...

Core Insights - The "Inclusive Finance - Micro and Small Enterprises Index" indicates a significant decrease in financing costs for micro and small enterprises by Q3 2025, with a continuous increase in funding supply and improved accessibility and quality of financial services [1][3] - The balance of inclusive micro and small loans reached 36.09 trillion yuan, reflecting a year-on-year growth of 12.2% as of the end of September 2025 [1] - Over 70% of micro and small enterprises reported that their financing needs were met, indicating a high level of satisfaction with financing availability [1] Financing Cost and Efficiency - The financing price index decreased to 65.32 points, a decline of 4.92% from the previous period, indicating a stable reduction in comprehensive financing costs for micro and small enterprises [2] - The weighted average interest rate for newly issued loans in September was approximately 3.1%, down about 40 basis points year-on-year [2] - The financing efficiency index rose to 215.09 points, with nearly 60% of micro and small enterprises able to receive loans in a timely manner, reflecting improved financing efficiency [2] Financial Service Quality - The inclusive finance service system and capabilities are continuously improving, with a focus on enhancing coverage and accessibility while reducing overall costs [3] - The service availability index reached 203.47 points, increasing by 3.02%, and the quality index rose to 111.76 points, up by 0.31% [6] - The inclusive finance development index remained stable at 52.48 points, with the micro and small business environment showing steady improvement [7] Sector-Specific Insights - The financing price index for five major sample industries (wholesale and retail, manufacturing, leasing and business services, construction, and scientific research and technical services) showed a decline, indicating the effectiveness of the accommodative monetary policy [7] - The service availability and quality indices for these industries also increased, with construction, manufacturing, and scientific research sectors experiencing over 2% growth in availability [7] Index Overview - The Inclusive Finance - Micro and Small Enterprises Index, launched by the China Economic Information Service and China Construction Bank, serves as a "barometer" and "guideline" for inclusive financial services to micro and small enterprises [8]

Group 1 - The Zhejiang Financial Supervision Administration is implementing a financing coordination mechanism for small and micro enterprises to direct more financial resources to the real economy [1] - A three-level collaborative working mechanism has been established, involving various departments to enhance credit information sharing and government financing guarantees [1] - As of September, 498.3 million enterprises have been visited, with 139.1 million included in the recommendation list, and 126.6 million have received credit support totaling 4.03 trillion yuan [1] Group 2 - Zhejiang Guoyue Technology Co., Ltd. focuses on improving the success rate of out-of-hospital cardiac arrest rescues by developing customized software and hardware for emergency rescue training and management [2] - The Agricultural Bank of Ningbo provided a credit line of 10 million yuan to Guoyue Technology, which has helped the company alleviate financial pressure and increase its revenue from over 10 million yuan in 2022 to over 30 million yuan in 2023 [2] - The bank has also approved an additional 5 million yuan credit loan for Guoyue Technology's affiliated company, demonstrating confidence in its growth prospects [3] Group 3 - The Agricultural Bank of Ningbo collaborates with local governments to conduct enterprise visits and provide tailored financial services based on precise analysis of small and micro enterprises [3] - The Ningbo Financial Supervision Administration has established a multi-department information-sharing mechanism, sharing over 50,000 enterprise lists with banks this year [3] - A cross-departmental enterprise visit management system has been developed to track the progress of bank interactions with enterprises, including credit issuance and loan disbursement [3]

Core Viewpoint - The financing challenges faced by small and micro enterprises are critical to their survival and the overall economic vitality, prompting the establishment of a coordination mechanism to enhance access to credit and streamline the lending process [1][2]. Group 1: Mechanism Establishment and Implementation - A coordination mechanism for financing small and micro enterprises was established in October last year, aiming to address the financing difficulties faced by these businesses and the challenges banks encounter in lending [1][2]. - Banks have adopted innovative strategies to improve the efficiency of financial services, with a focus on direct and effective delivery of credit to small and micro enterprises [1][2]. - As of October 2025, the balance of loans to small and micro enterprises from banks reached 36.5 trillion yuan, reflecting a year-on-year growth of 12.1% [3]. Group 2: Innovative Banking Practices - Citic Bank implemented a "Five Special and Five Strengthen" work model, establishing a dedicated task force and optimizing specialized products to enhance service delivery to small and micro enterprises [2]. - Guangfa Bank has visited over 150,000 small and micro enterprises, providing credit exceeding 140 billion yuan to 36,000 of them, by innovating internal mechanisms and ensuring adequate loan allocation [2]. - Industrial Bank has issued loans exceeding 480 billion yuan to 78,000 small and micro enterprises since the establishment of the coordination mechanism [3]. Group 3: Digital Transformation in Financing - Banks are leveraging digital transformation to streamline the financing process, significantly reducing the time required for loan approvals and enhancing service accessibility [4][5]. - Citic Bank's "CITIC Easy Loan" digital product system has improved the efficiency of credit approval through online processes, enabling rapid funding for businesses in need [4]. - Guangfa Bank's "Mall E-Loan" product has provided over 3 billion yuan in loans to more than 500 small and micro enterprises, showcasing the effectiveness of digital solutions in addressing financing challenges [5]. Group 4: Support for Cross-Border Trade - Banks are enhancing services for small and micro foreign trade enterprises by simplifying processes and reducing the time required for cross-border transactions [6][7]. - Citic Bank has established a special task force to support small foreign trade enterprises, facilitating financial services and improving transaction efficiency [6]. - Huaxia Bank has tailored financial service plans based on operational information from small foreign trade enterprises, supporting their participation in international trade [7].

Core Insights - The establishment of a financing coordination mechanism for small and micro enterprises in Hebei Province is crucial for stabilizing employment, businesses, and market expectations, thereby promoting high-quality economic development [1][2] Group 1: Financing Mechanism Establishment - The Hebei Provincial Development and Reform Commission and the Hebei Financial Regulatory Bureau have initiated a financing coordination mechanism to support small and micro enterprises, which includes a comprehensive work team covering provincial, municipal, and county levels [1] - As of October 2025, over 5.6 million business entities have been visited, with banks granting credit exceeding 1.6 trillion yuan and actual loans surpassing 1.4 trillion yuan, of which over 50% are credit loans [1] Group 2: Policy Measures and Implementation - In August, the mechanism introduced 22 detailed measures across eight areas to enhance supply, reduce costs, and ensure policy support, facilitating collaboration among regulatory, monetary, fiscal, and industrial policies [2] - The mechanism has resolved over 18,000 issues reported by enterprises, significantly alleviating their financial difficulties [2] Group 3: Financial Services Innovation - The introduction of "micro-financial pilots" and the establishment of a team of financial advisors for industrial clusters provide tailored financing solutions to enterprises, with participation from 16 financial institutions and thousands of staff [2] - Ongoing initiatives include expanding first-time loans, no-repayment renewals (now extended to medium-sized enterprises), and cost-reduction actions, aiming to create a sustainable lending environment [2] Group 4: Public Awareness and Communication - The mechanism has developed accessible promotional materials and organized multiple outreach activities, including financial policy lectures and media publications, to foster a supportive atmosphere for small and micro enterprise financing [2] Group 5: Future Directions - The Hebei Provincial Development and Reform Commission and the Hebei Financial Regulatory Bureau plan to deepen the coordination mechanism, enhance financial resource supply, and improve the financing environment to support economic growth and development in Hebei [3]