本报讯（记者 余建华）近日，浙江省高级人民法院召开浙江法院金融审判工作暨助力破解企业融 资难、融资贵新闻发布会，发布2024年浙江法院金融审判工作报告及典型案例。 会议指出，针对企业融资过程中存在的设置融资障碍、增加用资成本、引发融资风险等问题，法院 既要鼓励开源，畅通融资渠道，对新类型融资模式保持宽容的司法态度，也要强调节流，对不合理增加 融资成本的行为依法予以否定，同时更应关注风险，杜绝金融隐患。 据悉，2024年，浙江法院金融案件一审收案20.04万件，较2023年增加4.05万件。在案件量显著增加 的情况下，全省法院金融案件一审平均结案时间较2023年减少1.87天，审判效率持续提升。从案件类型 来看，民间借贷纠纷和金融借款合同纠纷仍是浙江法院金融案件前两大案由。 浙江是民营经济大省，民间资本发达、民间融资需求旺盛。"部分民营企业，特别是中小微企业， 一方面需要筹集资金发展生产，另一方面受制于自身盈利能力弱、担保能力不足等问题，融资渠道狭 窄，融资成本不断上升，违约风险居高不下。"浙江高院民五庭庭长徐峻峰说，融资难、融资贵是制约 企业长远发展的难点问题。 来源：人民法院报 ...

Core Viewpoint - The article discusses the challenges faced by private small and medium-sized enterprises (SMEs) in financing, highlighting the role of judicial systems in regulating financing costs and the nature of local financial organizations [1][2]. Group 1: Judicial Actions and Financial Cases - In 2024, the Zhejiang provincial courts received 200,400 financial cases, an increase of 40,500 cases or 25.34% from the previous year [3]. - The two most common types of financial cases were private lending disputes and financial loan contract disputes, accounting for 64.37% and 19.63% of the total cases, respectively [3][4]. Group 2: Private Lending and Financial Organizations - Private lending has emerged as a solution to the financing difficulties faced by SMEs, but it has also led to various forms of regulatory evasion due to increased scrutiny on high-interest loans [4][5]. - A specific case involving a technology company and a private financing service center revealed issues with high service fees and overdue interest rates, prompting judicial intervention to reduce excessive charges [5][6]. Group 3: Regulatory Framework and Financial Costs - The Zhejiang courts aim to address the financing challenges by regulating the fees charged by financial institutions, ensuring that they do not impose unreasonable costs on borrowers [7][8]. - The courts emphasize a balanced approach, encouraging new financing models while also preventing excessive costs and financial risks [7][8].

Group 1 - The Supreme People's Court issued the "Guiding Opinions on Implementing the Law on Promoting the Development of the Private Economy," highlighting 25 specific judicial measures to address the challenges faced by the private economy [2] - A significant focus is on alleviating the "difficult and expensive financing" issues, particularly through the regulation of illegal practices such as "usury" and "head-cutting interest" [2] - The document encourages innovative financing guarantee models to inject legal momentum into the development of the private economy [2] Group 2 - The Guiding Opinions specifically address the behavior of some financial institutions that harm the rights and interests of private enterprises, calling for the regulation of lending practices [2] - It mandates the lawful regulation of financial institutions' unilateral actions to increase loan conditions, suspend loan issuance, and recall loans early, ensuring the legitimate rights of private economic organizations are protected [2]

Core Viewpoint - The Supreme People's Court has issued guidelines to implement the Private Economy Promotion Law, focusing on addressing the financing difficulties faced by private enterprises through 25 specific judicial measures aimed at broadening financing channels and regulating illegal lending practices [1][2]. Group 1: Financing Challenges - The guidelines specifically target the issues of "difficult and expensive financing," which remain significant barriers to the growth of private enterprises in China [1][4]. - The document emphasizes the need to regulate illegal lending practices such as "usury" and "head-cutting interest," which contribute to the high financing costs for private businesses [2][3]. Group 2: Regulation of Financial Institutions - The guidelines call for the regulation of financial institutions' lending behaviors, including prohibiting arbitrary changes to loan conditions and ensuring that the rights of private enterprises are protected [3][4]. - Instances of financial institutions engaging in "loan withdrawal" practices, which exacerbate the financial struggles of private enterprises, are highlighted as a concern that the guidelines aim to address [3][4]. Group 3: Innovative Financing Solutions - The guidelines promote the use of non-traditional guarantees and supply chain financing to expand financing channels for private enterprises, recognizing the legal validity of these alternative financing methods [4][5]. - A long-term mechanism is proposed to enhance credit information sharing, which will help improve access to financing for private enterprises that have the willingness to recover from financial difficulties [4][5].