围绕民营企业"短、频、急"的融资需求，该行打造便捷化产品体系，整合企业税务、住宅估值、人行征 信、苏州地方征信等多维度数据，推出"宅捷贷""快捷贷"等抵押类标准化产品以及"信抵贷""共赢链"等 信用类产品，实现标准审批、快速放款、随借随还。建立存量客户到期融资需求主动摸排机制，主动摸 排存量到期客户诉求，对贷款到期后仍有融资需求的企业，优先通过无还本续贷模式及时提供续贷支 持，做到"应续尽续"，打造"无缝续贷"，提高小微企业贷款周转率。畅通绿色服务通道，在审批流程中 设立民营企业专属通道，对名单内企业实行"四个优先"——优先调查、优先审查、优先审批、优先出批 单，及时满足民营企业的融资需求。昆山某金属有限公司成立于2019年，主营模具配套加工。2024年企 业纳税销售收入突破千万元，展现出稳健发展态势。昆山农商银行在走访服务中了解到，该企业因承接 新订单急需原材料采购资金，随即启动快速响应机制，通过"宅捷贷"产品量身定制融资方案，采用资产 抵押增信方式，在5个工作日内完成授信审批，及时满足企业扩产需求，保障新订单顺利交付。 昆山农商银行始终将服务民营企业作为核心战略，通过网格走访、产品创新、行业研究三举措，持 ...

Core Insights - The People's Bank of China (PBOC) is directing more financial resources towards small and private enterprises, with new loans to privately held companies reaching 2.4 trillion yuan in the first quarter, and the total loan balance at approximately 45 trillion yuan by the end of March [1] - The PBOC has established a robust policy framework to enhance financial service capabilities and support the high-quality development of the private economy, with over 8 million credit accounts for private enterprises, reflecting a 7% year-on-year increase [1] - The average interest rate for new loans to private enterprises in March was about 3.41%, a decrease of 58 basis points compared to the same period last year [1] Financial Support Measures - The PBOC plans to continue enhancing financial services for private enterprises, focusing on implementing 25 measures to support the private economy and gradually increasing the proportion of loans to private enterprises [1] - Structural monetary policy tools such as re-loans for technological innovation and transformation will be utilized to boost financial support for private enterprises in technology, green low-carbon initiatives, and consumption [1] - Financial institutions are urged to avoid blind withdrawal, suspension, or restriction of loans, and to actively meet the reasonable funding needs of private foreign trade enterprises [1] Financing Channel Expansion - The PBOC aims to leverage bond financing support tools to expand the scale of bond financing for private enterprises [2] - Promotion of "two new" debt financing tools will support private enterprises in issuing bonds, while stock repurchase and increase re-loans will address the funding needs of private listed companies for market value management [2] - Efforts will be made to improve cross-border investment and financing facilitation policies to enhance the efficiency of foreign capital utilization by private enterprises [2] - A comprehensive promotion of a national credit information sharing platform for small and micro enterprises will be implemented, along with the establishment of a credit enhancement system for private small and medium enterprises to address financing constraints due to credit inadequacies and information asymmetry [2]