Core Viewpoint - The rapid development of social organizations in China has become a crucial force in social construction and livelihood security, with over 871,800 organizations and more than 10 million jobs created by the end of 2024 [1] Group 1: Current Status of Social Organizations - Social organizations in China include social groups, foundations, and social service agencies, actively engaged in various sectors such as technology research, community services, elderly care, and charity [1] - Funding sources for social organizations are primarily reliant on social donations and government purchases of services, with over 70% expressing a need for loans, yet only 8% can secure bank loans as institutions [1][2] Group 2: Challenges in Loan Accessibility - Three main obstacles hinder loan accessibility for social organizations: 1. Ambiguous financial policy definitions, as social organizations are not clearly recognized as legitimate loan recipients under existing regulations [2] 2. Misalignment in credit assessment systems, where the unique characteristics of social organizations do not meet traditional bank loan evaluation criteria [2] 3. Lack of tailored financial products that align with the specific needs of social organizations, leading to difficulties in obtaining loans [2] Group 3: Risks of Personal Loans - A significant risk arises from social organizations obtaining loans under personal names, with 92% of those with borrowing records doing so, which can lead to high-interest debts and potential operational disruptions for the organizations [2] Group 4: Solutions for Loan Accessibility - Addressing the loan challenges for social organizations is essential for expanding inclusive finance and achieving mutual benefits. This requires collaboration among government, financial institutions, and social organizations [3] - Government actions should focus on policy improvement, risk sharing, and information sharing to create a solid financing foundation [3] - Financial institutions should innovate products, optimize assessments, and provide liability protections to enhance financing services for social organizations [4] - Social organizations need to strengthen governance, improve capabilities, and proactively engage with banks to enhance their financing competitiveness [4]