转自：北京日报客户端 后来，随着业务规模增长，餐企又计划开设新门店。在企业原有贷款结清后，这次国华担保将企业新的 授信担保额度进一步提升至500万元，有力解决了开设新门店的所需资金。目前新门店已开门迎客。 像"苏帮袁"这样高效获得担保融资的小微企业，上半年国华担保又新增了2600余户，新增担保规模突破 80亿元。户数、规模两项关键指标均同比稳步增长，意味着更多企业实现稳健经营、创新发展。 再担保发挥着行业"助推器"和"稳定器"功能。北京再担保公司总经理俞静表示，服务小微企业融资是再 担保设立的初心使命。上半年，北京再担保支小支农业务规模达到186.19亿元，其中单户500万元以下 支小支农业务规模149.24亿元。 北京再担保还充分发挥再担保"枢纽"作用，引导合作担保机构支持科技创新企业发展。上半年共支持各 类科技创新企业新增再担保业务规模82亿元、2032户。其中，支持专精特新及专精特新"小巨人"企业的 新增再担保业务规模达53亿元、975户。 来源：北京日报客户端 服务小微企业融资，助力实体经济发展，上半年北京中小企业融资再担保有限公司（简称"北京再担 保"）实现时间过半、任务过半，主营业务再上新台阶。 ...

小微企业是经济肌体的"神经末梢"和吸纳就业的"主力军"，其稳健运营关乎发展大局与民生温度。然 而，小微企业自身"小"与"微"的特点，决定了其天然面临着抗风险能力较弱的挑战。 保险业作为风险管理的专业力量，在为小微企业提供风险保障、助力其行稳致远方面，发挥了不可替代 的作用。观察近期保险业服务小微企业的实践，一个显著的特点是产品创新的针对性与普惠性不断增 强。保险机构通过深入洞察小微企业的实际需求，量身定制低保费、全保障、投保灵活的保险产品，初 步解决了小微企业"保不起""保不全"的困境。 保险业在服务小微企业方面已迈出坚实步伐，值得肯定。然而，进一步推动保险成为小微企业日常经营 中不可或缺的风险"减震器"与发展"助推器"，关键在于让小微企业"买得值、用得好、真受益"。 如何让小微企业发自内心地觉得"买得值、用得好、真受益"？保险业要站在小微企业的角度回答好三个 问题：保险产品是否真正"解渴"？保险服务是否确实有用？保险理赔是否实现了"雪中送炭"？ 确实对小微企业有用，保险服务应搭建起"保险+科技+服务"的风险管理系统。 保险服务的重要价值，在于帮助小微企业夯实风险的"防火墙"。一方面，保险公司自身积累的风险数 ...

推出一揽子政策 今年的《政府工作报告》提出，优化和创新结构性货币政策工具，更大力度促进楼市股市健康发展，加 大对科技创新、绿色发展、提振消费以及民营、小微企业等的支持。小微企业在实体经济中扮演着重要 角色，由于小微企业数量多、分布广，在吸纳就业、促进创新、活跃市场等方面发挥着极其重要的作 用。 今年以来，我国银行机构加大信贷供给，不断提高贷款审批时效，灵活满足各类经营主体融资需求。今 年前4个月，银行业、保险业通过贷款、债券等多种方式为实体经济新增融资约17万亿元。无还本续贷 政策自去年9月扩围以来，累计为中小微企业续贷4.4万亿元，更好满足企业接续融资需求。 金融监管总局局长李云泽表示，金融监管总局不断深化金融供给侧结构性改革，引导银行保险机构持续 提高服务适配性，鼓励开发差异化、个性化产品，更好满足不同规模、不同类型企业的金融需求。特别 是针对小微企业、民营企业融资难题，我们牵头建立了专门的融资协调工作机制，推动低成本资金快速 直达企业。目前，各地累计走访经营主体超过6700万户，发放贷款12.6万亿元，其中约三分之一是信用 贷款。 在日前国新办举行的介绍"一揽子金融政策支持稳市场稳预期"有关情况新闻发布 ...

Group 1 - The core viewpoint emphasizes the significant role of small and micro enterprises in local economic development, highlighting their contribution to employment and innovation [1] - The company, Guanyun Rural Commercial Bank, recognizes the importance of small and micro enterprises and actively provides financial support to them, positioning itself as a reliable partner in their growth [1] - The bank has implemented comprehensive training programs for its customer managers to enhance their capabilities in serving small and micro enterprises, covering various aspects such as credit policy interpretation and risk assessment [1] Group 2 - The bank has increased incentives for corporate loan business, doubling the valuation of daily net increases in corporate loans and establishing special reward funds to motivate customer managers [2] - The bank is exploring comprehensive development paths by collaborating with other banks for syndicate loans and offering diverse financial service options to small and micro enterprises [2] - Guanyun Rural Commercial Bank aims to continue optimizing services and innovating products to inject financial vitality into small and micro enterprises, contributing to economic development [2]

Core Viewpoint - The Agricultural Development Bank of China (ADBC) in Wangkui County, Heilongjiang, has successfully provided a 10 million yuan (approximately 1.4 million USD) working capital loan to a local heating company, alleviating the company's financial pressure and supporting winter heating for residents and businesses [1] Group 1: Loan Impact - The loan will be used specifically for purchasing environmentally friendly coal, upgrading smart heating systems, and paying labor costs, ensuring a reserve of 20,000 tons of coal [1] - The heating company is responsible for winter heating for 110,000 residents and various enterprises in the county, facing cash flow shortages due to fluctuating coal prices and increased maintenance costs [1] Group 2: Bank's Role and Strategy - ADBC's Wangkui branch has disbursed a total of 123 million yuan (approximately 17.3 million USD) in agricultural loans this year, demonstrating its commitment to supporting small and micro enterprises [1] - The bank has implemented a tailored financing plan and expedited approval processes, completing the loan disbursement in just 10 working days to ensure timely funding for the heating season [1] Group 3: Broader Economic Impact - The loan aligns with national policies aimed at enhancing financial services for small and micro enterprises, creating a multiplier effect by supporting not only the heating company but also related industries such as equipment maintenance [1] - The bank plans to continue innovating financial products and services to stimulate local economic vitality, focusing on rural revitalization and green low-carbon initiatives [1]

《农村金融时报》记者近日从农业银行获悉，该行聚焦民营、外贸、科创等重点领域，优化金融服务， 帮助企业解决实际困难，助力小微企业高质量发展。 广泛走访对接 加强信贷支持 据农业银行相关部门负责人介绍，该行全面梳理信贷制度，广泛走访对接，下大力气解决民营企业融资 问题，扎扎实实支持民营经济发展。 福建乐子食品科技有限公司是福建省三明市农业产业化重点龙头企业、沙县区省级现代蛋鸡产业园建设 的重点企业。其自主品牌"乐子鸡蛋"连锁店分布在福州、三明等城市，年产土鸡20万羽、土鸡蛋4000多 万枚。目前，该公司正在筹建乐子鸡汤面连锁店和乐子儿童餐饮连锁店。 上线新产品、更新改造设备、建设线下连锁店需要投入更多资金，金融需求也更加多元。农行福建三明 分行在"千企万户大走访"中了解到公司的需求，为其量身定制了含融资、支付结算、智慧场景建设等一 揽子服务方案，8天内就完成了"农业园区科企贷"授信审批和首笔贷款投放。农行福建三明分行还与该 公司在资金账户结算、批量代发工资、银行承兑贴现、智慧厂区建设等多方面深度合作，满足其多元需 求。 "这笔贷款不仅解决了我们的资金问题，也带来了新的发展机遇。我们可以专注于无菌蛋的研发，为更 多 ...