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小微企业融资难?浙江首创多种融资模式
Sou Hu Cai Jing· 2025-08-19 08:29
编者按:去年10月,国家金融监管总局、国家发展改革委联合发文,正式启动支持小微企业融资协调工作机制,切实解决小微企 业融资难题,打通普惠金融惠企利民"最后一公里"。该机制运行以来,各地进行了积极的新探索新尝试,总结积累了很多好做法 好经验。近日,中国发展改革报社记者跟随国家金融监管总局、国家发展改革委联合组织的"小微融资机制调研行"采访团,赴 浙江、福建等地进行了采访调研。即日起,中国发展改革报社刊发记者采写的相关报道,敬请关注。 ——"小微融资机制调研行"报道之一 "自国家部署支持小微企业融资协调工作机制以来,浙江依托良好的小微金融工作基础,全力以赴落实落细融资协调机制。 截至6月末,浙江已组织走访企业413万家,纳入推荐清单数量98.2万家,其中96.3万家已获得授信支持,累放贷款金额2.6万 亿元。"浙江金融监管局相关负责人介绍,截至今年5月末,浙江省普惠型小微企业贷款余额5.5万亿元,居全国首位。 中国发展改革报社记者近日跟随"小微融资机制调研行"采访团调研时发现, 浙江扎实推进"科创指数"融资模式、无还本续贷 等,为解决小微企业融资难题探出了新路。 01科技创新能力赋分融资 "因为轻资产的特点,向银 ...
融资协调新机制显效:金融活水灌溉科技外贸小企业
Core Viewpoint - The news highlights the effective implementation of financing support mechanisms for small and micro enterprises in China, particularly in the technology and foreign trade sectors, showcasing successful case studies of companies receiving tailored financial products to meet their unique needs [1][2][3]. Group 1: Financing Support for Technology Enterprises - Haolian Information Technology Co., Ltd. received a 3 million yuan unsecured loan through the "Science and Technology Index Loan" tailored by Agricultural Bank, demonstrating the support for small tech enterprises [1][2]. - The "Science and Technology Index" evaluation system assesses companies based on innovation capabilities and outputs, allowing banks to provide more accurate financing solutions [2]. - Over 44 banks in Wenzhou have issued more than 110 billion yuan in "Science and Technology Index Loans" to tech enterprises [2]. Group 2: Case Study of Longhe Intelligent Equipment Manufacturing Co., Ltd. - Longhe Intelligent Equipment, a "little giant" enterprise, faced funding challenges despite holding 313 national patents, leading to a 32% revenue increase year-on-year [3][4]. - The company secured a 20 million yuan loan from Industrial and Commercial Bank of China in just 15 days, facilitated by a specialized financial service model [3][4]. Group 3: Support for Foreign Trade Enterprises - The financial regulatory authority has established a dedicated working group to enhance financing support for small foreign trade enterprises, with a focus on efficient resource allocation [5][6]. - In Fujian, financial institutions have visited 14,900 foreign trade enterprises, providing loans totaling 36.377 billion yuan [5]. - In Zhejiang, over 69,000 foreign trade enterprises have been visited, with total loans exceeding 470 billion yuan [6]. Group 4: Credit Repair Mechanisms - Financial regulatory bodies in Zhejiang and Fujian have implemented credit repair mechanisms to assist small enterprises that do not meet lending criteria, enhancing their financing accessibility [7][8]. - The case of Sanmen Xunmenglong Outdoor Products Co., Ltd. illustrates the effectiveness of credit repair, where the company improved its credit standing and received a loan of 3.5 million yuan [7][8].
经济新方位丨三个镜头,看化解小微企业融资难
Ren Min Ri Bao· 2025-08-10 06:52
Core Viewpoint - The Chinese government is implementing a series of structural monetary policies to support technological innovation, boost consumption, assist small and micro enterprises, and stabilize foreign trade, with a particular focus on addressing the financing difficulties faced by 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]. - By the end of June, 960,000 small enterprises in Zhejiang had received credit support through this mechanism, demonstrating its effectiveness in addressing financing needs [3][4]. Group 2: Policy Measures to Reduce Financing Costs - The introduction of an optimized non-repayment loan policy has expanded eligibility to all small enterprises, significantly alleviating their financial burdens and reducing the need for high-cost bridge financing [5][6]. - As of June, the balance of renewed loans for small enterprises reached 820 billion yuan, reflecting a year-on-year increase of 43.8% [6][7]. Group 3: Credit Platforms and Efficiency Improvements - 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 credit information sharing and improving risk management models to better support small enterprises, thereby addressing the common challenges of financing difficulties and high costs [9][10].
三个镜头,看化解小微企业融资难
Ren Min Ri Bao· 2025-08-10 01:15
Core Viewpoint - The Chinese government is implementing a series of structural monetary policies to support small and micro enterprises, enhance consumption, and stabilize foreign trade, with a focus on resolving financing difficulties for these businesses [5][6][8]. Group 1: Policy Implementation - 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 this mechanism [6][7]. - As of June 30, 2023, 960,000 small enterprises in Zhejiang have received credit support through this mechanism, demonstrating its effectiveness in addressing financing needs [7][8]. Group 2: Financing Cost Reduction - The optimized non-repayment loan policy has expanded its coverage to all small enterprises, allowing them to apply for loan renewals if they have genuine financing needs, significantly alleviating their financial pressure [9][10]. - The average interest rate for newly issued inclusive small enterprise loans 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 for small businesses [11]. Group 3: Credit Platforms and Efficiency - A credit platform has been developed to improve financing efficiency, allowing enterprises without collateral to secure loans based on their operational data and tax records, as seen in the case of Tianyun Biotechnology Co., which received a 2 million yuan loan [12][13]. - Various regions are enhancing credit information sharing and improving risk management models to better assess the creditworthiness of small enterprises, thereby increasing their access to financing [13].
三个镜头,看化解小微企业融资难(经济新方位)
Ren Min Wang· 2025-08-09 22:03
Core Viewpoint - The Chinese government is implementing a series of structural monetary policies to support small and micro enterprises, enhance technological innovation, boost consumption, and stabilize foreign trade, with a focus on resolving financing difficulties for small businesses [3][5]. 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 [4][5]. - As of June 30, 2023, 960,000 small enterprises in Zhejiang have received credit support through this mechanism, with over 90 million enterprises and individual businesses visited to assess financing needs [5][6]. Group 2: Policy Enhancements - The "no repayment" loan renewal policy has been optimized to include all small enterprises, allowing those with genuine financing needs to apply for renewal support, significantly reducing their financial burden [6][7]. - The average interest rate for newly issued inclusive small enterprise loans was 3.89% in the first half of the year, a decrease of 1.98 percentage points compared to 2020, indicating a favorable trend in financing costs [8][9]. Group 3: Credit Platforms and Efficiency - A credit platform has been developed to improve financing efficiency, allowing enterprises without collateral to secure loans based on their operational data and tax records, as demonstrated by Tianyun Biotechnology Co., which received a 2 million yuan loan [9][10]. - Various regions are enhancing data resource integration and credit information sharing to address the financing challenges faced by small enterprises, aiming to streamline the approval process and improve risk management [10].
协同发力解小微融资之渴金融机构多举措落实支持小微企业融资协调工作机制
Zheng Quan Ri Bao· 2025-08-09 14:42
Core Viewpoint - The implementation of the financing coordination mechanism for small and micro enterprises has shown significant results, with banks providing substantial credit support to these businesses, addressing their long-standing financing difficulties [1][2]. Group 1: Implementation and Results - As of June 2025, over 90 million small and micro enterprises have been visited under the mechanism, with banks granting new credit of 23.6 trillion yuan and issuing new loans of 17.8 trillion yuan, of which 32.8% are credit loans [1]. - The mechanism aims to facilitate direct and efficient access to bank credit for small and micro enterprises, with a focus on appropriate interest rates [1][2]. - Financial institutions have established specialized teams and innovative products to support the mechanism's implementation, ensuring that credit reaches the grassroots level quickly and conveniently [1][2]. Group 2: Financial Institutions' Initiatives - Financial institutions are actively engaging in the mechanism by forming specialized teams to address the financing needs of small and micro enterprises, ensuring timely and precise connections [2][3]. - Various banks have developed tailored financial products, such as "Inclusive Micro Fast Loans" with a favorable interest rate of 3.3%, and have implemented measures to streamline loan approval processes [4][5]. - The Zhejiang Pinghu Rural Commercial Bank has initiated a "Thousand Enterprises and Ten Thousand Households" outreach program to understand the operational challenges faced by small enterprises and to collect financing needs [3][4]. Group 3: Future Directions and Recommendations - The effectiveness of the mechanism relies on collaboration among government, banks, and enterprises, with a focus on clear objectives and coordinated efforts [6]. - Recommendations include enhancing data sharing across departments, improving the credit system, and increasing financial support policies to lower the cost of inclusive finance [6][7]. - Financial institutions are encouraged to innovate credit products, improve service quality, and enhance information sharing to better meet the financing needs of small and micro enterprises [7].
从“不得行”到“被看见”,重庆创新“解题”小微企业融资
Zhong Guo Xin Wen Wang· 2025-08-09 08:38
Group 1 - The core viewpoint of the articles highlights the challenges faced by Haosen Motorcycle in the North American market and its strategic shift towards Europe, Kazakhstan, and other markets to mitigate risks and enhance order volume [1][2] - Haosen Motorcycle has experienced a significant increase in orders since the second half of last year, including large orders exceeding 2,000 off-road motorcycles, leading to increased financial pressure due to the need for upfront procurement of key components [1][2] - The establishment of a financing coordination mechanism has improved access to bank loans for small and micro enterprises, allowing Haosen Motorcycle to secure a loan of 4.8 million yuan at a low interest rate of 3.1%, facilitating timely procurement of motorcycle parts [2][3] Group 2 - The financing coordination mechanism has enabled numerous small and micro enterprises in Chongqing to access financial support, with various banks providing loans and credit lines to enhance their operational capabilities [3][4] - Since the implementation of the coordination mechanism, a total of 26.75 million enterprises have been included in the application list, resulting in credit disbursements amounting to 628.88 billion yuan [4] - On a national level, over 90 million small and micro enterprises have been visited, with banks providing new credit of 17.8 trillion yuan, indicating a strong commitment to supporting the financing needs of trustworthy small enterprises [5]
小微融资协调成效外溢,延伸服务触角改善营商环境丨时报经济眼
证券时报· 2025-08-08 03:55
Core Viewpoint - The article emphasizes the effectiveness of the financing coordination mechanism for small and micro enterprises (SMEs) in China, highlighting its role in facilitating access to credit and improving the overall business environment for these enterprises [1][10]. Group 1: Financing Coordination Mechanism - Since its launch in October last year, the financing coordination mechanism has visited over 90 million small and micro enterprises, with banks providing new credit of 23.6 trillion yuan and new loans of 17.8 trillion yuan, of which 32.8% are credit loans [1]. - The mechanism aims to address practical difficulties faced by enterprises, optimize the business environment, and promote healthy competition within industries [1]. Group 2: Bank Collaboration - Banks are forming complementary relationships, enhancing communication channels between themselves and with enterprises, which allows for better service delivery [3]. - For instance, the Agricultural Bank of China and local rural commercial banks are collaborating to provide tailored financial services to enterprises like Huasheng Rubber, which has diverse financial needs beyond just financing [4]. Group 3: Local Initiatives - Local governments are implementing unique strategies to enhance the financing coordination mechanism, such as establishing dedicated hotlines for SMEs to facilitate communication and service access [6]. - In Zibo, a coordination model has been developed that integrates various industry departments to provide precise services to key market players, enhancing the effectiveness of the financing coordination mechanism [7]. Group 4: Improving Business Environment - The financing coordination mechanism not only supports SMEs in obtaining loans but also helps in resolving operational issues and improving the local business environment through coordinated efforts among government departments [9][10]. - The establishment of feedback mechanisms allows for the identification and resolution of issues faced by enterprises that are on the recommended list but have not received credit [9].
小微融资协调成效外溢 延伸服务触角改善营商环境
Zheng Quan Shi Bao· 2025-08-07 18:29
Core Insights - The support mechanism for small and micro enterprises has facilitated significant credit expansion, with banks providing a total of 23.6 trillion yuan in new credit and 17.8 trillion yuan in new loans since its launch in October last year, with credit loans accounting for 32.8% of the total [1] Group 1: Financing Mechanism and Impact - The financing coordination mechanism has effectively addressed the operational challenges faced by enterprises, improved the business environment, and encouraged healthy competition within industries [1] - The mechanism has led to enhanced communication between banks and enterprises, fostering a collaborative ecosystem where banks complement each other's services [2][3] Group 2: Case Study of Huasheng Rubber - Huasheng Rubber, a key player in the tire export industry, has diversified financial needs beyond just financing, requiring services like international settlement and exchange rate management [3] - Agricultural Bank of China and local rural commercial banks have collaborated to provide tailored financial services, including a 15 million yuan credit loan and 6.436 million USD in international settlement services [3] Group 3: Local Initiatives and Innovations - Local governments have implemented unique strategies, such as establishing dedicated hotlines for small and micro enterprises to enhance service accessibility and efficiency [4] - The coordination mechanism has led to a collaborative model involving multiple industry departments, providing targeted services to key sectors like agriculture and foreign trade [5] Group 4: Improving Business Environment - The mechanism has not only facilitated financing but also improved the overall business environment by addressing issues faced by enterprises that did not receive credit [6] - A digital platform has been developed to connect banks and enterprises, allowing for better understanding of business conditions and risk identification [6]
支持小微企业融资协调工作机制显效的启示
Zheng Quan Ri Bao· 2025-08-03 16:13
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].