转自：新华财经 今年以来，工行梧州分行认真落实金融支持民营企业政策，结合当地产业发展，强化统筹谋划、拓面提 质和优化服务措施，加大对民营企业的信贷支持力度，提升民营金融服务质效。截至2025年7月末，该 行民营企业贷款余额较年初增加2.5亿元。 统筹谋划，加大信贷支持。该行围绕服务金融"五篇大文章"，在健全优化机制，落实信贷政策和锚定支 持方向上持续发力，发挥服务五篇大文章领导小组和专班作用，建立民营企业目标清单，加大对高新技 术企业、专精特新企业、战略性新兴产业、先进制造业企业等重点客群走访，促进实质性贷款投放。 拓面提质，扩大服务覆盖。该行搭建金融支持民营企业发展银企对接服务模式，开展"入园惠企""千企 万户大走访"等活动，与相关政府部门、行业协会联合开展招商引资项目对接，加强重点民营企业、金 融产品服务等信息互通共享，跟进当地重点专精特新企业、优质龙头企业、特色产业企业，实施专项融 资支持，通过供应链金融模式服务核心企业上下游中小微企业，扩大民营企业金融支持覆盖面。 多措并举，提升服务能力。该行深入挖掘民营企业金融需求，组建专属服务团队，提供"一户一策"综合 服务，帮助企业分析经营形势、优化财务结构、降 ...

Core Insights - The company focuses on serving private enterprises as a core strategy, enhancing the financial service system for these businesses in the Kunshan region, contributing to local economic development [1] Group 1: Service Mechanisms - The company employs a "grid + digital" model to continuously update data on private enterprises and create a "credit map," facilitating regular visits and tailored services [2] - A specialized team for small and micro enterprises has been established to coordinate financing efforts, ensuring a consistent service mechanism [2] - The company has implemented a tiered action plan for different client segments, enhancing the frequency and quality of client interactions [2] Group 2: Product Optimization - The company has developed a streamlined product system to meet the "short, frequent, urgent" financing needs of private enterprises, introducing standardized mortgage products and credit products [3] - A proactive mechanism for identifying financing needs of existing clients has been established, ensuring timely support through seamless loan renewals [3] - A dedicated service channel for private enterprises has been created, prioritizing investigation, review, approval, and issuance of loans for listed companies [3] Group 3: Industry Research and Customization - The company integrates deeply into the local industrial ecosystem by promoting village-level credit models and focusing on unique local industries [4] - A strategy of "one bank, one circle, one special project" has been implemented, forming agile teams to develop industry-specific financial solutions [4] - The company collaborates with various industry associations to design specialized products that meet the financial needs of enterprises in specific sectors [4]

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]