Core Viewpoint - The article emphasizes the establishment and effectiveness of a coordinated mechanism to support micro and small enterprises (MSEs) in securing financing, enhancing their resilience and growth potential through collaborative efforts among government departments, financial institutions, and the enterprises themselves [1][12]. Group 1: Mechanism Establishment and Functionality - The coordinated mechanism, initiated by the Financial Regulatory Bureau and the National Development and Reform Commission, has successfully created a financing channel for MSEs, allowing them to access necessary funds for production expansion and technological upgrades [1][12]. - The mechanism has transformed the financing landscape for MSEs, shifting their perception from being hesitant and unable to secure loans to being willing and able to obtain financing [1][12]. Group 2: Data Utilization and Analysis - The "Jin Yu Network" in Chongqing has been developed to analyze financial data, creating a comprehensive funding map that connects 43 industrial chains and identifies quality enterprises that require financing [2][3]. - By leveraging data from the "Jin Yu Network," financial institutions can better assess the creditworthiness of enterprises and generate recommendations for banks, facilitating targeted lending [2][3]. Group 3: Local Practices and Innovations - Different regions have adopted unique approaches to enhance MSE financing, such as the "joint diagnosis" mechanism in Shandong, which collaborates with various departments to address financing challenges faced by enterprises [4][5]. - The coordinated mechanism has led to significant financial support for MSEs, with Shandong reporting 1.17 trillion yuan in loans disbursed to MSEs through this initiative [8]. Group 4: Multi-Department Collaboration - The coordinated mechanism fosters collaboration among multiple government departments, enabling a more accurate assessment of MSEs' operational conditions and addressing the trust issues between banks and enterprises [5][6]. - The integration of various departments has allowed for a more comprehensive evaluation of enterprises' "soft strengths," facilitating access to financing for those lacking traditional collateral [6][7]. Group 5: Grassroots Engagement and Outreach - The "thousand enterprises, ten thousand households" initiative has been implemented to conduct extensive outreach to MSEs, ensuring that their financing needs are accurately identified and addressed [10][11]. - Local governments have established dedicated service points and hotlines to assist MSEs in navigating financing options and understanding available policies [11][12].