Core Viewpoint - The persistent challenges of "difficult and expensive financing" for small and micro enterprises are being addressed by Luzhou Bank through innovative financial solutions and policy implementation to enhance access to low-cost loans [1][2] Group 1: Financial Innovations and Policy Implementation - Luzhou Bank has adopted a business model that combines "central bank re-lending funds + credit products," resulting in the issuance of preferential loans with a minimum interest rate of 3.1% [1] - Since 2021, the bank has applied for approximately 21.5 billion yuan in re-lending and rediscounting funds, benefiting nearly 9,000 small and micro enterprises [1] - The bank has actively lowered loan interest rates during the third round of financial interaction policies, issuing over 12 billion yuan in subsidized loans, which helped around 4,800 small enterprises save nearly 20 million yuan in interest [2] Group 2: Cost Reduction and Service Enhancement - Luzhou Bank has implemented a zero-fee policy for account services and payment settlements, waiving 67 service fees, which can save individual enterprises thousands of yuan annually [2] - The cumulative effect of various policy tools has led to some small enterprises experiencing actual financing costs as low as around 2% [2] - The bank aims to continue focusing on the financing challenges faced by small and micro enterprises, ensuring that national policy benefits reach market entities effectively [2]

证券时报记者贺觉渊秦燕玲 4月以来，尽管面临较大的外部冲击，国内金融体系仍然保持稳健，金融市场展现出较强韧性。近期多 项先行指标显示，外部冲击对我国经济运行影响逐渐加大，在5月7日召开的国新办新闻发布会上，"一 行一局一会"负责人既表态将维护金融稳定与金融安全，纾困受外部冲击影响企业，也强调将坚定不移 办好自己的事，着力扩大国内需求。 当前，美国滥施关税严重冲击全球经贸秩序。中国证监会主席吴清在国新办新闻发布会上指出，上市公 司生产经营不可避免会受到直接或间接影响，部分对美出口占比较高的公司受到的影响更大一些。他同 时强调，A股上市公司作为中国经济的优秀企业群体代表，具备强大的韧性和适应能力。证监会将尽力 帮助受影响企业应对美加征关税的冲击。包括在股权质押、再融资、募集资金使用等方面增强监管包容 度；支持上市公司利用股、债、REITs等多种工具开展直接融资，鼓励符合条件的境内企业依法依规赴 境外上市。 面对外部冲击，外贸企业所面临的风险挑战明显增多。国家金融监管总局局长李云泽在新闻发布会上介 绍，金融监管总局将制定实施银行业保险业护航外贸发展系列政策措施，从强化金融纾困、加力稳定出 口、助力扩大内销等方面，持 ...