【编者按】在经济脉动与个体经营交织的当下，小微企业始终承载着市井烟火与民生温度，却也常 面临资金、资源与信心的多重考验。它们不喧哗，却有力；不张扬，却坚韧。为助力小微企业的创新经 营和推广发展，在北京市朝阳区发展和改革委员会、北京市朝阳区金融工作事务中心指导下，中信百信 银行携手新华网，发起"看见一百个信心的朝向"公益推广计划，依托政府指导、金融助力与媒体传播的 三方协同，为小微企业提供从政策对接、资源赋能到品牌发声的多维支持。我们相信，每一份认真生长 的生意都值得被关注，每一次踏实前行的努力都应当被点亮。本期，让我们走进郭大永的"快消江湖"。 "有一次为头部主播送样品，我们半夜起来找样，驱车15小时奔南京，只为了直播顺利进行。"郭大 永回忆称，从一条生活VLOG的意外走红，到如今建立起稳定供应链与直播矩阵的创业历程，一路走 来，并不容易。 【纠错】 【责任编辑:柴峥】 随着快消行业竞争日趋激烈，各种挑战也接踵而至。在家人的支持下，他坚持打拼，然而，企业要 长远发展，离不开稳定、高效的金融支持。2021年，当企业再次面临严峻的资金压力时，中信百信银行 的出现，成为关键的转折点。 灯光未亮的清晨，郭大永已在库房 ...

Core Insights - The financial sector in China has significantly increased support for small and micro enterprises in 2023, with a notable year-on-year growth in loans [1] Summary by Categories Loan Growth - As of the end of June 2023, the balance of inclusive loans to small and micro enterprises reached 35.99 trillion yuan, reflecting a year-on-year growth of 12.31%, which is substantially higher than the average growth rate of all loans [1] - The total balance of loans to small and micro enterprises across the country was 87.74 trillion yuan as of June 30, 2023 [1] Interest Rates - The average interest rate for newly issued inclusive loans to small and micro enterprises from January to June 2023 decreased by 0.46 percentage points compared to the previous year [1]

Core Viewpoint - The implementation plan aims to enhance inclusive finance in China by optimizing the service system, strengthening credit support for small and micro enterprises, and improving the insurance framework to meet diverse financial needs of the public and the real economy [2][3]. Group 1: Inclusive Credit System - The plan encourages banks to maintain effective incremental credit supply to small and micro enterprises and to strengthen credit support for private enterprises [2][3]. - It emphasizes the importance of optimizing credit approval models, reducing reliance on collateral, and enhancing the use of data for small and micro enterprises to improve approval efficiency [3]. - The plan also highlights the need for banks to monitor the flow of loan funds to ensure they are used to support private enterprises and the real economy [3]. Group 2: Inclusive Insurance System - The plan calls for insurance companies to establish a specialized management system for inclusive insurance, including the creation of dedicated departments to oversee inclusive insurance initiatives [6]. - It aims to diversify the supply of inclusive insurance products, particularly in agriculture and for small and micro enterprises, by developing tailored insurance offerings [6]. - The plan encourages insurance companies to simplify underwriting processes and improve claims processing times to enhance service quality for underserved groups [6][7].

Group 1 - Postal Savings Bank of China (PSBC) Henan Branch has actively engaged in supporting small and micro enterprises through initiatives like the "Thousand Enterprises and Ten Thousand Households Visit" campaign, visiting 73,600 enterprises and providing over 28 billion yuan in credit and 25 billion yuan in loans [1][2] - The bank has developed eight cluster loan products to support the development of local industrial clusters, optimizing business processes to reduce loan approval times, resulting in a 45.15% share of inclusive micro and small credit loans by March 2025, an increase of 0.78 percentage points since the beginning of the year [2][3] - PSBC has established a dedicated mechanism for coordinating financing for small and micro enterprises, implementing a "one leader responsible" system and facilitating communication between government, banks, and enterprises to streamline information flow and support government initiatives [2][3] Group 2 - Companies like Xianli Noodle Industry Co., Ltd. have benefited from PSBC's financial support, receiving a 5 million yuan technology credit loan to address funding challenges and ensure operational continuity [1] - New Electric Power Technology Co., Ltd. has seen significant research investment, with PSBC's financial backing acting as a "strong heart booster" for its development [2] - Yuxing Copper Industry Co., Ltd. received timely assistance from PSBC to alleviate liquidity issues after investing all its own funds into fixed assets and equipment [2][3]