【编者按】 一直以来，融资难是影响民营企业尤其是中小民营企业发展的普遍性难题。近来，针对"老大难"问题，各地工商联、商会谋新路、出新招，不断创新金融 服务模式，引"活水"精准滴灌，助民企拔节向上。零点有数董事长袁岳接受《中国新闻》报采访，共探融资新招。本文转载自《中国新闻》报，原文标题 为《做活"联"文章 "贷"动民营企业拔节向上》，记者：刘军。 一直以来，融资难是影响民营企业尤其是中小民营企业发展的普遍性难题。近来，针对"老大难"问题，各地工商联、商会谋新路、出新招，不断创新金融 服务模式，引"活水"精准滴灌，助民企拔节向上。 毕节太极生态农业有限公司因带动50户农户就业、信用记录良好纳入"白名单"，获贷款600万元；贵州达灵药业有限公司,年纳税超300万元，纳入"白名 单"，获1500万元流动资金贷款……近年来，贵州省毕节市工商联联合市科技局、工信局推出"白名单"制度，筛选符合产业政策、前景良好、有合理融资 需求的民营企业。目前已累计向当地金融机构推送112家企业，其中84家企业获授信10.65亿元。 北京市工商联副主席、振兴国际智库理事长李志起表示，多地工商联都在搭建"政—银—企"信用信息桥梁，通过深入 ...

在助力缓解"融资难""融资贵"方面，人民法院依法确认非典型担保法律效力，支持民营企业多元融资。 各地法院严格依法规范金融机构利息收取行为，从司法层面切实降低民营企业融资成本。 （来源：工人日报） 人民法院促推完善公司法人治理结构。2025年，全国法院受理公司类纠纷一审案件17.53万件，同比上 升51.07%。各级法院通过源头治理"连环诉讼"、妥善化解家族企业内部纠纷、实质性破解公司僵局、规 范股东与管理层行为等举措，积极引导民营企业完善法人治理结构。 本报讯 （记者卢越）2月24日，最高人民法院举行新闻发布会，介绍人民法院民商事审判服务保障经济 社会高质量发展情况。据介绍，人民法院助力民营企业纾困稳健发展，持续抓实"背靠背"条款批复， 2025年以审判执行措施帮助中小企业收回账款19亿元，有效缓解中小企业资金周转压力。 此外，人民法院促进弘扬企业家精神，从依法保护合法权益、严厉制裁失信违约行为、打击逃废债务行 为、宽容创业失败等方面发力，为企业家创业经营营造良好生态。如深圳、浙江等地稳慎开展个人破产 和自然人债务清理试点，帮助千余名诚信债务人摆脱债务困境。在推动营商环境优化升级方面，积极配 合世界银行营商环 ...

近日，礼泉县召开民营企业融资暨政银担企座谈会，积极搭建政银担企沟通桥梁，破解民营企业融资难 题，优化礼泉县金融生态环境。县委常委、统战部部长史航宇，礼泉高新区管委会主任王玉荣，副县长 魏星，各相关部门、重点民营企业、多家金融机构及担保公司负责人参加会议。 来源：礼泉县委统战部 编审：李佩阳 签发：刘红军 会上，王玉荣领学了《中华人民共和国民营经济促进法》相关内容。各民营企业代表结合自身发展实际 分享了在产业升级、项目建设、资金需求方面的情况。多家金融机构及担保公司立足自身特点，逐一推 介了针对性金融产品与扶持政策。各相关部门围绕要素保障、政策落实、营商环境优化等作了表态发 言。 史航宇表示，金融是实体经济的血脉，民营企业是县域经济发展的重要力量，金融机构要当好企业"贴 心人"，主动下沉服务、优化信贷流程，创新更多定制化产品，加大对工业、科技创新等重点领域支持 力度。企业要当好发展"见证人"，坚守契约精神、提升信贷诚信度，聚焦主业深耕细作、强化创新驱 动，以过硬实力赢得金融机构信任。各部门要当好合作"联姻人"，加强协同联动，完善融资需求地图， 健全常态化对接机制，持续优化营商环境，及时破解政策落地堵点，携手开创 ...

同时，《若干措施》着力健全民营企业纾困帮扶机制，要求完善协调稳定企业融资环境工作机制，充分 发挥民营企业融资会诊帮扶机制作用，按照市场化、法治化原则，要求金融机构不盲目抽贷、断贷、压 贷。针对破产重整、和解企业，将研究支持其金融信用修复的具体措施，推动信用修复结果跨部门共享 互认。 为激发金融机构服务民营企业的内生动力，《若干措施》提出完善激励机制，例如，在银行机构服务实 体经济评价中增加民营经济融资指标权重；优化政府性融资担保机构评价指标，降低或取消盈利要求； 引导金融机构优化尽职免责标准指引、落实小微企业不良贷款容忍度等要求。 （文章来源：中国新闻网） 中新社南京2月10日电江苏省人民政府10日召开新闻发布会，对新近印发的《关于进一步优化民营经济 金融服务的若干措施》(简称《若干措施》)进行解读。该文件围绕五个方面，提出20条具体措施，旨在 提供充裕多元、优质高效、价格合理、安全稳健的金融服务。 江苏是民营经济大省，"十四五"以来，全省民营经济增加值近8万亿元人民币，占地区生产总值比重近 六成。江苏金融系统持续推动民营企业融资扩面、降本、增效。截至2025年末，全省民营企业贷款余额 约8万亿元；2025年 ...

为精准破解民营企业融资痛点，搭建政银企高效对接"快车道"，切实提升企业融资可得性与获得感，1月28日，市工商联与市商务局、市贸促会、中国人 民银行盘锦分行、市金融监管局、中国民生银行盘锦分行共同举办第二十期盘商沙龙会，60余名民营企业家参加活动。 中国民生银行盘锦分行行长邱可非现场授课答疑，结合民营企业发展特性与实际融资需求，对民生银行重点金融业务、特色信贷产品及最新惠企政策进行 全景式解读。他以通俗化表达拆解金融产品核心要点，用案例化分析讲解政策适用场景，帮助企业真正"懂政策、会运用、得实惠"。 互动咨询环节氛围热烈，参会企业家围绕融资额度、审批流程、利率优惠、担保方式等核心关切，与邱可非行长面对面深入交流。邱行长针对企业个性化 需求逐一细致答疑，现场量身定制融资解决方案。 市工商联、市商务局、市贸促会、人民银行盘锦分行、市金融监管局的负责人也纷纷针对企业提出的意见和建议给予解答和回复。 下一步，盘锦市工商联将持续以"盘商沙龙会"为重要载体，聚焦企业发展全周期需求，搭建更多专业化、精准化服务平台，推动政银企合作常态化、长效 化，为盘锦市民营经济高质量发展注入更强劲的金融动能。 NEWS 监制丨王志学 责编丨 ...

Core Insights - The meeting focused on financing needs of private enterprises in Fujian Province, highlighting the collaboration between various financial institutions and private companies to address funding challenges [3][4]. Group 1: Financing Initiatives - Three provincial financial institutions, including China Construction Bank Fujian Branch, Fujian Rural Credit Cooperative Union, and Fujian Strait Bank, presented innovative financial service practices for small and micro private enterprises [3]. - A total of 16 private enterprises signed financing cooperation agreements with 8 municipal financial institutions, with a total financing amount of 755 million yuan [3]. Group 2: Policy and Strategic Emphasis - The meeting emphasized the implementation of the new era strategy for strengthening the private economy and the introduction of the "Fujian Province Private Economy Promotion Regulations," which will significantly advance the province's transition from a large private economy to a strong one [3]. - There is a commitment to enhance the coordination mechanism for supporting small and micro enterprises' financing at the provincial, municipal, and county levels, alongside continuous policy supply to resolve financing difficulties faced by private enterprises [3].

Core Insights - The financing matchmaking event for private enterprises was held in Fuzhou, organized by various provincial financial and economic authorities, with over 100 participants from private enterprises and financial institutions [1] Group 1: Financing Agreements - 16 private enterprises signed financing cooperation agreements with 8 municipal financial institutions, covering areas such as renewable energy development, technology upgrades, and new materials research, with a total financing amount of 755 million yuan [1] - The event facilitated over 100 consultations from enterprises, resulting in more than 30 preliminary financing intentions [1] Group 2: Support for Small and Micro Enterprises - The province is actively implementing a three-tiered support mechanism for small and micro enterprises, having visited 4.44 million small and micro enterprises, with a total credit limit of 1.36 trillion yuan and loans issued amounting to 1.15 trillion yuan [1] - The provincial development and reform commission plans to enhance the financing coordination mechanism and maintain regular communication with private enterprises to promote the effective implementation of supportive policies [1]

Group 1 - The People's Bank of China Hubei Branch has initiated the "Financial Water Nourishing Private Enterprises" campaign since 2025, focusing on five dimensions to improve the financing environment for private enterprises [1][2] - The "Chutian Loan Code" platform has facilitated 232,000 loans amounting to 382.7 billion yuan for small and micro enterprises [1][2] - Approximately 80% of surveyed private enterprises in Hubei believe that financing difficulties have decreased, loan approval times have shortened, and financing costs have declined [1] Group 2 - The Hubei Branch has enhanced financial services for private enterprises through digitalization, online platforms, and credit information sharing [2] - A mechanism for tracking and servicing key private enterprises has been established, with 1,095 enterprises receiving credit support totaling 29.3 billion yuan since 2025 [3] - Financial institutions have been guided to implement policies such as no-repayment renewals to address common financing challenges faced by private enterprises [3] Group 3 - The Hubei Branch has actively responded to financing service requests from private enterprises, leading to a reduction in the average loan interest rate to 3.14%, a decrease of 46 basis points year-on-year [4] - A total of 772 million yuan in fees have been waived for enterprises, benefiting 4.7 million small and micro businesses [4] - The Hubei Branch plans to continue the "Financial Water Nourishing Private Enterprises" initiative to provide stronger financial support for the high-quality development of the private economy in Hubei [4]

Group 1 - The Supreme People's Court has released seven typical civil and commercial cases that protect the legitimate rights and interests of private enterprises, covering aspects such as optimizing the financing environment, activating shareholder limited liability, addressing historical legacy issues, and protecting corporate reputation and credit [1] Group 2 - The court aims to help resolve the financing difficulties faced by private enterprises by ensuring financial institutions comply with regulations, thereby lowering financing costs and expanding financing channels [2] - The court emphasizes the principle of equal protection for both state-owned and private enterprises, ensuring that legal rights are upheld without retroactive application of laws [3] - The court addresses issues arising from corporate restructuring, ensuring a balance of interests while preventing enterprises from evading debts through restructuring [4] Group 3 - The court upholds the limited liability system for shareholders, which is crucial for enhancing the confidence of private enterprises and entrepreneurs in investment and entrepreneurship [5] Group 4 - The court innovates execution measures to maintain the credit of private enterprises, ensuring that enforcement actions do not disrupt business operations or negatively impact corporate reputation [7]

Group 1 - The Supreme People's Court emphasizes the importance of resolving financing issues for private enterprises as a foundational support for their survival and development, which is crucial for stimulating innovation in the private economy [3] - The court aims to assist private enterprises in broadening financing channels and reducing financing costs by regulating financial institutions' behaviors and ensuring compliance with national financial regulatory policies [3][4] - Two specific cases were highlighted: one involving a bank charging an unauthorized "financing commitment fee" of 10 million yuan before issuing a loan of 350 million yuan, which was deemed a violation of transparency and fairness principles [3][4] Group 2 - In another case, a bank's decision to declare a loan due after a borrower was only two days late on interest payments was rejected by the court, reinforcing the principles of good faith and fairness in financial transactions [4] - These cases collectively clarify the boundaries of financial institutions' rights, providing judicial protection to reduce financing costs for private enterprises and stabilize their operational expectations [4]