为统筹解决小微企业融资难的问题，2024年10月，金融监管总局、国家发展改革委牵头建立了支持小微 企业融资协调工作机制。支持小微企业融资协调工作启动后，桂阳金融监管支局迅速提请县政府成立由 常务副县长任组长的专项工作领导小组，推动建立乡镇（街道办事处）、银行机构和社会信用体系建设 金融与农村信用推进组成员单位共37个走访工作组，组织开展"千企万户大走访"活动和融资协调服务， 推动建立"走访－对接－诊疗"全链条服务机制，联合多部门打通小微企业融资堵点。同时，依托"湘信 贷"等数字化平台，打通数据壁垒，实现企业信息精准推送、融资需求智能匹配、办理进度实时可查， 做到数字化赋能。 "小微企业是社会经济发展的主力军，但融资方面还是面临一定的问题，如银企信息不对称、企业自身 存在一些小瑕疵，关键是要协调好各方，打通资金供给端和需求端的障碍，帮助企业解决难题。"桂阳 金融监管支局负责人介绍，该局积极发挥"央地协同"桥梁作用，推动建立跨部门联动工作机制，共同筛 选确定走访目标小微企业，形成"申报清单""推荐清单"，要求银行机构对"推荐清单"内的企业原则上3 天内受理、30天内作出是否授信决定，优化审核流程，加快办理进度，实 ...

山东省邹平市"金融+"工作室值班人员实地走访园区企业。（山东金融监管局供图） □ 本报记者 田新元 "山东省支持小微企业融资协调工作机制建立小微企业融资'联合会诊'机制，对有融资需求但暂不符合 办贷条件的企业进行联合会商辅导，形成'发现问题-提出建议-协商解决-跟踪辅导'的工作闭环，协同解 决企业存在的困难和问题。"山东金融监管局负责人介绍，全省各地市认真落实"联合会诊"机制，目前 已开展"联合会诊"1366次，推动解决4422家企业的4520个融资难题，有力推动"千企万户大走访"活动走 深走实。 记者在采访中了解到，针对会诊发现的企业存在的缺抵质押物、申请要素不全、信用缺陷、对接不畅等 问题形成"工具箱"，山东金融监管局指导各地专班结合实际一企一策研究提出解决方案，提升企业融资 可得性，为广大小微企业解决了融资难题。 探索"技术赋能信贷"模式 （来源：中国改革报） 转自：中国改革报 在寿光市，工作专班指导寿光农商行推出科创积分贷款产品，以科技企业创新积分代替抵押担保。寿光 农商行对拥有31件专利的潍坊天信散热器有限公司开展技术流评估，及时为企业发放了900万元的贷 款。企业负责人李茂枝感叹："本来想凭技术贷 ...

做好普惠金融大文章是中央金融工作会议提出的明确要求。作为金融五篇大文章之一，普惠金融既事关 小微企业等经营主体的发展，也关乎民生福祉。 近年来，我国普惠金融发展取得长足进步，金融服务的普惠性不断提升，在支持国家战略、满足人民群 众日益增长的金融服务需求方面发挥了积极作用。中国人民银行公布的最新数据显示，截至2025年二季 度末，人民币普惠小微贷款余额35.57万亿元，同比增长12.3%，增速比各项贷款高5.2个百分点。 普惠金融的发展离不开银行业金融机构的助推。农业银行北京分行聚焦优化普惠领域产品服务供给，认 真落实农业银行总行党委决策部署，坚持"两个毫不动摇"，支持民营经济发展和普惠金融服务能力持续 增强，充分发挥了服务实体经济的主力军作用。 《金融时报》记者从农业银行北京分行了解到，截至今年6月末，该行普惠贷款余额突破500亿元，普惠 贷款年增量突破100亿元，创同期历史最高增幅。 推动小微企业融资协调机制落地落实 通过怀柔区协调机制专班，农业银行北京分行获取了这家企业存在短期资金周转问题这一关键信息。 在专班与农业银行北京分行详细了解企业经营状况、财务情况、市场前景等信息并充分沟通后，农业银 行北京分行 ...

Core Insights - The article discusses the challenges faced by small and micro technology enterprises in securing financing due to rising raw material costs and limited collateral options, highlighting the establishment of a new financing coordination mechanism in Shandong to address these issues [1][2][3]. Group 1: Financing Challenges - Many small technology enterprises, like Weifang Tianxin, struggle with cash flow due to increased operational costs and difficulties in obtaining loans due to insufficient collateral [1][3]. - The financing challenges are exacerbated by the limited scale of these enterprises, making it hard to secure new loans without adequate collateral [1][3]. Group 2: Innovative Solutions - The "Joint Diagnosis" mechanism, initiated by financial regulatory authorities, aims to provide tailored financial solutions for enterprises that do not meet traditional lending criteria, creating a closed-loop process for identifying and solving financing issues [1][4]. - Over 1,300 "Joint Diagnosis" sessions have been conducted in Shandong, successfully addressing financing difficulties for over 4,400 enterprises [2]. Group 3: Innovation Points - The introduction of the "Innovation Points" system allows technology enterprises to convert their technological achievements into creditworthiness, enabling banks to issue loans based on these points rather than traditional collateral [3][4]. - Weifang Tianxin received a loan of 9 million yuan at a low interest rate of 3.41% based on its innovation points, demonstrating the effectiveness of this new financing approach [3][5]. Group 4: Case Studies - The experience of Zibo Boxin Agricultural Technology Company illustrates how the "Second Recommendation" process can help high-potential enterprises overcome financing barriers despite lacking collateral [7][8]. - Zibo Boxin received a 5 million yuan unsecured loan at a favorable interest rate of 3.35%, showcasing the success of tailored financing solutions [8]. Group 5: Local Initiatives - The "Financial+" studio in Zouping City exemplifies a proactive approach to financing, providing on-site financial services to small enterprises, thus facilitating easier access to loans [9][10]. - The integration of online and offline services in Zouping enhances the efficiency of financial support for small enterprises, allowing them to access financing solutions without leaving their premises [10][11]. Group 6: Overall Impact - The financing coordination mechanism represents a significant shift in how financial services engage with small and micro enterprises, emphasizing the importance of technology and innovation in driving economic growth [11].

"以前是大海捞针，我们想找到真正需要支持的小微企业太难了，时常被企业拒之门外。好不容易找到 企业，由于缺乏足够的信用数据，看不清企业真实经营情况，想贷又不敢贷。有了协调机制，政府部门 初筛推荐、银行精准对接，不仅让企业获贷更容易了，我们也不用再盲目找客户了。"谈及对小微企业 融资协调机制的直观感受，农业银行重庆巴南支行普惠部经理赵凯如是说。 小微企业发展离不开金融活水的精准滴灌。一手牵企业，一手牵银行，2024年10月由金融监管总局、国 家发展改革委牵头建立的支持小微企业融资协调工作机制，核心便是从供需两端共同发力，统筹解决小 微企业融资难和银行放贷难的问题。该机制落地成效如何？小微企业融资难、融资贵等问题是否仍然存 在？各方如何构建小微企业可持续服务生态？ 不同地区有着各自的经济发展特色，也有着不同的小微企业融资协调机制实践特点。盛夏时节，中国证 券报记者带着上述问题赴山城重庆，调研了解当地充分利用数据优势，以搭建协同共享网络、挖掘企业 数据资源价值为抓手，推动数字要素赋能普惠金融，全方位提升小微企业金融服务质效。 ● 本报记者 张佳琳 特色金融产品助推产业发展 "百菜百味，一麻当先。"提到重庆就绕不开麻辣 ...

Core Viewpoint - The establishment of the "Small and Micro Enterprise Coordination Mechanism" aims to alleviate financing difficulties for small and micro enterprises, thereby promoting employment, improving livelihoods, and fostering high-quality development of the real economy [1] Group 1: Mechanism Overview - The core of the Small and Micro Coordination Mechanism is to establish specialized teams at the district and county levels to create a bridge for precise connections between banks and enterprises [2] - Since its establishment, the mechanism has facilitated the issuance of loans totaling 1.17 trillion yuan to small and micro enterprises in Shandong province [2] - The mechanism has conducted visits to 5.245 million small and micro enterprises, enhancing the understanding of their operational conditions [2] Group 2: Joint Diagnosis System - The "Joint Diagnosis" system consists of four steps: identifying enterprise issues, proposing support measures, conducting regular consultations, and tracking guidance [3] - This system has conducted 1,366 joint consultations, assisting 4,422 enterprises in resolving financing issues [2][3] Group 3: Case Studies - Qingzhou Guofeng Food Co., Ltd. received a 5 million yuan credit loan with a 130 basis point interest rate discount, thanks to the coordination of the local mechanism [4] - The Agricultural Bank of Dongying has provided financial services to 135 hawthorn industry clients, supporting loans totaling 300 million yuan [4] Group 4: Diverse Financial Services - Financial institutions are actively enhancing the coordination mechanism to focus on key sectors and industries, providing a range of financial services to meet the needs of small and micro enterprises [6] - The Dongying Financial Regulatory Bureau has developed a comprehensive financial support plan for foreign trade enterprises, including services for exchange rate hedging and international settlement [6] Group 5: Digital Financial Services - Banks are accelerating digital transformation to improve credit assessment and reduce post-loan risks, utilizing various credit information data to create "precise portraits" of enterprises [8] - The Shouguang City Small and Micro Coordination Mechanism has helped a vegetable cooperative resolve financing difficulties through a vegetable production and sales service platform [9] Group 6: Data-Driven Financing - The use of real transaction data from service platforms as a basis for credit assessment has allowed banks to expand credit limits and offer lower interest rates [9] - The coordination mechanism is expected to shift banks from a "collateral-driven" approach to a "data-driven" model, enhancing the accessibility of financing for various business entities [10]

Core Viewpoint - The establishment of a financing coordination mechanism for small and micro enterprises aims to address the structural difficulties in financing, enhance trust between banks and enterprises, and facilitate smoother access to financial services for small businesses [1][12]. Group 1: Mechanism Overview - The financing coordination mechanism was initiated in October 2024 by the Financial Regulatory Bureau and the National Development and Reform Commission, focusing on solving the financing difficulties faced by small and micro enterprises [1]. - The mechanism emphasizes multi-department collaboration, establishing work teams at the municipal and county levels to create a bridge for precise bank-enterprise connections [1][2]. - The mechanism has led to efficient information sharing among various departments, allowing banks to better understand the actual financial needs of enterprises [1][4]. Group 2: Implementation and Impact - Local development and reform departments compile lists of operating entities, while financial regulatory bodies determine visit assignments based on banks' existing relationships with enterprises [2]. - In Taizhou, the mechanism has enabled the identification of 650,000 small and micro market entities, with loans amounting to 489.32 billion yuan issued to 317,800 enterprises since its implementation [3]. - The mechanism has improved the precision of financial services, allowing banks to identify and address the specific financial needs of enterprises more effectively [4][8]. Group 3: Case Studies and Success Stories - A case in Quanzhou illustrates how the mechanism helped a non-woven fabric production company access 25 million yuan in performance guarantees, alleviating immediate cash flow pressures [7]. - The mechanism has also facilitated the issuance of 5.5 billion yuan in no-repayment loans to medium-sized enterprises, significantly reducing their financial costs [9][10]. - The establishment of a "no-loan household" database has allowed banks to identify potential first-time borrowers, enhancing service precision and responsiveness [10][11]. Group 4: Future Directions - The mechanism is expected to continue evolving, with recent adjustments expanding the coverage of no-repayment loan policies to medium-sized enterprises for a trial period of three years [8]. - The collaboration between government departments and financial institutions is seen as a significant step towards breaking down information barriers and improving the quality of financial services for small and micro enterprises [12].

Group 1 - The core viewpoint of the articles highlights the significant progress made in supporting micro and small enterprises (MSEs) in Henan Province through a financing coordination mechanism, which has resulted in over 1 million credit enterprises and substantial loan disbursements [1][2] - As of June 15, the cumulative number of MSEs visited reached 7.4042 million, with total credit granted amounting to 945.224 billion yuan and loans issued totaling 860.468 billion yuan [1] - The financing coordination mechanism aims to enhance the accessibility of loans for MSEs, focusing on key sectors such as foreign trade, private enterprises, technology innovation, consumption, and rural revitalization [1] Group 2 - The province has implemented a series of supportive policies, including first-time loan expansions for private and micro enterprises, and measures such as no-repayment loans and extended loan terms [2] - By June 15, over 110,000 first-time loan accounts were established, accounting for 12.19% of MSEs, with more than 20% of the total loan amount being no-repayment loans and nearly 50% being credit loans [2] - The average interest rate on loans has decreased by 0.29 percentage points compared to the period before the coordination mechanism was implemented [2]

Core Viewpoint - The establishment of a financing coordination mechanism for small and micro enterprises in Yangling has significantly improved access to loans and financial services, leading to a positive response from the business community [1][3][4]. Group 1: Financing Coordination Mechanism - A specialized working group for small and micro enterprise financing was established, focusing on optimizing loan processes and creating fast approval channels [1][3]. - As of May 2025, 24,913 enterprises have been visited, resulting in a total loan issuance of 1.166 billion yuan [3]. - The mechanism aims to enhance the financing experience for small enterprises, thereby boosting their development potential [4][12]. Group 2: Policy Implementation and Support - The Yangling Financial Regulatory Bureau has implemented a series of innovative service measures to expand coverage and improve the financing experience for small enterprises [4][13]. - A total of 27 financial products have been introduced to facilitate better access to loans, including credit and renewal products [12]. - The bureau has conducted multiple visits to banks and enterprises to understand their needs and challenges, ensuring timely support [12][18]. Group 3: Collaboration and Strategic Partnerships - The Yangling Agricultural Bank has strengthened partnerships with local universities to enhance financial and intellectual support for agricultural enterprises [16]. - Specific financing solutions have been tailored for various enterprises, including a notable loan of 1.8 million yuan for a specialized enterprise [16][18]. - The focus on social credit systems is seen as a key factor in improving the accessibility and convenience of financing for small enterprises [17]. Group 4: Future Outlook - The Yangling Financial Regulatory Bureau plans to continue promoting the financing coordination mechanism as a priority for inclusive finance, aiming for better financial services for small enterprises [18].

Core Viewpoint - The article highlights the proactive measures taken by Taiyuan Rural Commercial Bank to support small and micro enterprises facing financial difficulties due to rising raw material prices and competition, through targeted credit products and services [2][3][6]. Group 1: Financial Support Initiatives - Taiyuan Rural Commercial Bank has launched a specialized credit product called "Youxindai" to assist small and micro enterprises, successfully providing a loan of 3 million yuan to a struggling decoration company [2]. - The bank has visited over 12,000 enterprises through the "Thousand Enterprises and Ten Thousand Households" initiative, with a total credit amount exceeding 1.9 billion yuan to meet diverse financing needs [2][3]. Group 2: Coordination and Management - Since October of the previous year, the bank has implemented a financing coordination mechanism, compiling a comprehensive list of over 400,000 small and micro enterprises to enhance outreach and support [3]. - A dedicated working group has been established to streamline financing services, ensuring effective communication and collaboration with local government units [3][5]. Group 3: Service Enhancement - The bank has adopted a grid management approach, assigning professional customer managers to provide tailored financial solutions to small and micro enterprises [5]. - Regular "Silver Enterprise Connection" meetings are held to facilitate direct communication between banks and enterprises, addressing funding challenges and fostering cooperation [5]. Group 4: Innovative Financial Products - Taiyuan Rural Commercial Bank has introduced various credit products such as "Youxindai" and "Youkeda" aimed at small and micro enterprises, ensuring that credit funds reach the intended recipients effectively [6]. - The bank has established a collaborative mechanism with local governance to create a credit service hall for small and innovative enterprises, integrating government, banking, guarantee, and insurance services [6].