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 ...

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].

Group 1 - The People's Bank of China has initiated a pilot program in Liuzhou, Guangxi, to promote transparent loan costs for enterprises, creating a "Loan Clarity Document" to outline all fees involved in the financing process [1] - The pilot program aims to reduce comprehensive financing costs for enterprises by guiding them to avoid unreasonable charges and helping eligible companies access support policies such as no-repayment renewals and government financing guarantees [1] - As of May 2025, pilot banks have provided the "Loan Clarity Document" to 154 enterprises, with a total loan amount of 1.966 billion yuan, showcasing the tangible benefits of this initiative [1] Group 2 - In the wood processing industrial park of Liucheng County, a leading wood company received an 8 million yuan working capital loan from Liucheng Rural Commercial Bank, which covered the equipment assessment fee, allowing the company to only pay an annual interest rate of 3.5% [2] - A local air conditioning sales company, facing a cash shortage, was provided with a 4 million yuan working capital loan by Liuzhou Bank, which also utilized a flexible repayment plan to ease the company's financial pressure, with an annual interest rate of 3.5% [3] - Everbright Bank offered a 6 million yuan working capital loan to a small logistics enterprise, and upon nearing maturity, provided a no-repayment renewal solution, ensuring the company only paid a 4.5% interest rate without any hidden fees, facilitating seamless loan renewal [4]

Group 1 - Yucheng Rural Commercial Bank customized credit products for Shandong Chenxu New Materials Co., Ltd., significantly reducing processing time and allowing the company to focus on operations [1] - Shandong Chenxu New Materials Co., Ltd. is a modern and specialized flame retardant production enterprise, producing various types of flame retardants and encapsulation adhesives, and has received a total financing of 20 million yuan since cooperating with the bank in 2020 [1] - The company faced a short-term challenge in raising 15 million yuan for an upcoming loan due to increased working capital demands, prompting the bank to proactively assist with seamless loan renewal [1] Group 2 - Yucheng Rural Commercial Bank has focused on addressing the pain points of private enterprises by implementing a combination strategy of "increasing volume + reducing costs + speeding up" [2] - The bank has adopted a differentiated interest rate pricing strategy for quality clients and key supported industries, promoting "no repayment renewal" to address temporary funding shortages [2] - The bank has processed over 140 cases of no repayment renewal, totaling 1.529 billion yuan, and has taken on costs such as mortgage registration and collateral evaluation fees for small and micro enterprises [2]

Core Viewpoint - The article highlights the challenges faced by a small forestry company in Inner Mongolia and how a financial institution provided timely support to alleviate its funding issues, enabling the company to continue its ecological restoration efforts [1][2]. Group 1: Company Overview - The company, established in 2017, focuses on ecological construction and has completed nearly 10,000 acres of sand land governance, planting over 1.1 million drought-resistant trees [1]. - The company faced significant financial challenges due to the long-term nature of forestry investments, with a one-year seedling cultivation period and staggered payment schedules for planting contracts [1]. Group 2: Financial Support - A customer manager from a local bank identified the company's temporary financial difficulties and confirmed its eligibility for a no-repayment renewal loan, facilitating a 900,000 yuan loan in just five minutes [2]. - The bank's no-repayment renewal loan policy helped the company avoid operational risks associated with cash flow issues, allowing it to initiate a new 7,350-acre afforestation project [2]. Group 3: Broader Impact - The support from the bank is part of a larger initiative to strengthen ecological safety in northern China, with the bank having processed 71,700 renewal loans totaling 23.972 billion yuan for 35,500 small and micro enterprises by April 2025 [2].

Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro enterprises are experiencing difficulties in financing due to prolonged cash flow cycles and reduced sales revenue, making it hard to secure loans from banks [1] - The average annual growth rate of loans to private enterprises has exceeded that of all loans by 1.1 percentage points over the past five years, indicating a growing support for these businesses [1] Group 2: Policy Initiatives and Financial Support - The recent passage of the "Private Economy Promotion Law" emphasizes financial support for the private sector, with specific measures aimed at improving the accessibility and convenience of financial services [2] - Financial regulatory authorities are establishing mechanisms to facilitate low-cost funding directly to enterprises, optimizing policies like non-repayment renewal loans to reduce capital turnover costs [3] Group 3: Financial Coordination and Efficiency - A comprehensive package of policies is being introduced to support financing for small and micro enterprises, focusing on increasing supply, reducing costs, improving efficiency, and creating a favorable environment [4] - The financial sector is encouraged to enhance the entire loan service process, particularly for small and micro enterprises, to improve their credit service capabilities [5] Group 4: Risk Management and Collaborative Financing - The government-backed financing guarantee system is crucial for alleviating the financing difficulties faced by small and micro enterprises, with a guarantee fee rate significantly lower than commercial levels [8] - There is a need for collaboration between fiscal and financial sectors, as well as between financing guarantees and credit services, to improve financial services for private enterprises [9]

Core Viewpoint - The National Financial Supervision Administration has issued a notice outlining the goals for financial services to small and micro enterprises by 2025, focusing on maintaining loan volume, improving quality, stabilizing prices, and optimizing structure [1] Group 1: Loan Volume - The goal is to ensure that the growth rate of inclusive small and micro enterprise loans is not lower than the overall loan growth rate [2] - As of the end of Q4 2024, the balance of RMB inclusive small and micro loans reached 32.93 trillion yuan, a year-on-year increase of 14.6%, outpacing overall loan growth by 7 percentage points [2] - By the end of Q1 this year, the balance of inclusive small and micro enterprise loans was 35.3 trillion yuan, with a year-on-year growth of 12.5% [2] Group 2: Loan Quality - The notice emphasizes the need for improved risk management and monitoring of small and micro enterprise loans [4] - Some banks have reported an increase in the non-performing loan (NPL) ratio for small and micro enterprise loans, with China Communications Bank reporting an NPL ratio of 0.98%, up 0.28 percentage points from the previous year [4] - Postal Savings Bank reported a small enterprise loan NPL ratio of 1.38%, an increase of 0.33 percentage points year-on-year [4] Group 3: Price Stability - The notice requires banks to manage loan pricing effectively, ensuring that the average interest rates for inclusive small and micro enterprise loans are reasonable [6] - For instance, China Communications Bank reported an average interest rate of 3.23% for inclusive small and micro enterprise loans, a decrease of 20 basis points year-on-year [7] - The average interest rate for new inclusive small and micro enterprise loans across the country was 4.03% in the first two months of 2025, down 0.33 percentage points from 2024 [7] Group 4: Structural Optimization - The notice calls for banks to enhance their focus on first-time borrowers and improve the renewal process for loans [8] - As of the end of Q1, the balance of renewed loans reached 7.4 trillion yuan, reflecting a year-on-year growth of 35.7% [9] - The government work report emphasizes the implementation of a no-principal renewal policy to help maintain cash flow for enterprises [9]

Core Viewpoint - The Inner Mongolia branch of China Construction Bank is actively implementing a no-repayment renewal loan policy to support private and small micro enterprises' financing needs from April 2024 to March 2025, facilitating 22,300 small micro enterprise clients with a total renewal loan amount of 15.049 billion yuan [2][3] Group 1: Policy Optimization - The bank has optimized three renewal loan products, including small business credit loans and mortgage quick loans, enhancing service efficiency and covering all types of clients [2] - The loan term has been adjusted from one year to a range of one to three years to better meet clients' operational cycle needs [2] - The continuous reduction in loan interest rates saves clients approximately 40 million yuan in interest expenses annually, effectively relieving the burden on credit personnel [2] Group 2: Customer Base Expansion - The renewal loan business has expanded from only small micro enterprise working capital loan clients to include small micro enterprise owners, individual businesses, and farmers' operational loans [2] - The bank will also provide renewal support for medium-sized enterprise working capital loans that are due before September 30, 2027, on par with small micro enterprises [2] Group 3: Renewal Processing Enhancement - Eligible clients can self-process renewal loans through the "CCB Hui Dong Ni" app, receiving renewal invitations 30 and 15 days before loan maturity [3] - For clients unable to process online, the bank will conduct further communication and follow-up through on-site investigations and negotiations for offline renewal [3] - Client managers will follow the entire renewal process to ensure that all eligible clients can renew their loans, meeting reasonable financing needs [3]