编者按：去年10月,国家金融监管总局、国家发展改革委联合发文,正式启动支持小微企业融资协调工作机制,切实解决小微企 业融资难题,打通普惠金融惠企利民"最后一公里"。该机制运行以来,各地进行了积极的新探索新尝试,总结积累了很多好做法 好经验。近日,中国发展改革报社记者跟随国家金融监管总局、国家发展改革委联合组织的"小微融资机制调研行"采访团,赴 浙江、福建等地进行了采访调研。即日起，中国发展改革报社刊发记者采写的相关报道，敬请关注。 ——"小微融资机制调研行"报道之一 "自国家部署支持小微企业融资协调工作机制以来，浙江依托良好的小微金融工作基础，全力以赴落实落细融资协调机制。 截至6月末，浙江已组织走访企业413万家，纳入推荐清单数量98.2万家，其中96.3万家已获得授信支持，累放贷款金额2.6万 亿元。"浙江金融监管局相关负责人介绍，截至今年5月末，浙江省普惠型小微企业贷款余额5.5万亿元，居全国首位。 中国发展改革报社记者近日跟随"小微融资机制调研行"采访团调研时发现， 浙江扎实推进"科创指数"融资模式、无还本续贷 等，为解决小微企业融资难题探出了新路。 01科技创新能力赋分融资 "因为轻资产的特点，向银 ...

此外，还通过税收政策鼓励人才提升，共有7.5万人（次）享受了个税继续教育税前专项附加扣除1.4亿 元。各类税惠政策的落地生根，激发了经济主体活力，助力企业加快科技创新，推动产业结构优化升 级，促进新质生产力的蓬勃发展。 内外贸协同发力激发市场活力 在提振消费方面，陕西省税务局全力落实资源回收企业"反向开票"政策，企业资格开通率、实际开票率 均达100%。同时，拓展纳税信用应用场景，联合文旅部门推出A级纳税人游、购、行优惠增值服务。 拓展外贸方面，持续打造"税路通·陕耀丝路"品牌，举办税收服务赴沙特阿拉伯投资主题活动，参 与"13+2"西部陆海新通道跨区域税务服务团队建设。推动离境退税"即买即退"等便利化措施在陕落地， 上半年办理出口退税67.1亿元，同比增长9.1%，推动了外贸发展生态持续向好。 聚焦民生保障服务就业大局 原标题：陕西前6个月落实科技制造业税惠290亿元 15.1%精准投向高新企业 "今年前6个月，陕西省落实现行支持科技创新和制造业发展主要政策减税降费及退税290亿元，其中 15.1%用于支持培育发展高新技术企业和新兴产业。"8月8日，陕西省税务局副局长蔺轩在"持续深化'三 个年'活动、聚力打 ...

Group 1 - The core viewpoint is that the Shaanxi tax authorities are actively developing a comprehensive service system for small and micro enterprises throughout their lifecycle, focusing on policy enlightenment and support for new businesses [1][2] - In 2023, over 100,000 newly established small and micro enterprises have participated in the "First Class for Opening" initiative, which aims to help them navigate their initial phase effectively [1][2] - The "First Class for Opening" program includes pre-class needs assessment, in-class detailed instruction, and post-class follow-up to ensure that new businesses understand tax declaration and related policies [2][3] Group 2 - To address the challenges faced by small and micro enterprises in accessing policies and benefits, the Shaanxi tax authorities have launched the "Tax Benefits to the Community" initiative, which proactively brings services to enterprises [3] - The initiative includes setting up "tax service stations" in communities to provide face-to-face policy guidance and support, enhancing the accessibility and precision of tax services [3] - From January to June 2023, the Shaanxi tax authorities facilitated 152,700 small enterprises and individual businesses in obtaining loans totaling 125.747 billion yuan, representing a year-on-year increase of 10.45% [3] Group 3 - The Shaanxi tax authorities plan to continue focusing on the effective implementation of policies and rapid response to service requests, aiming to enhance support for the growth of small and micro enterprises [4]

Group 1 - Tax payment credit is a quantifiable reflection of a company's comprehensive competitive strength, and Yunnan's tax authorities have effectively guided enterprises towards honest tax payment and compliance through dynamic credit management models and enhanced interaction between tax authorities and taxpayers [1] - The new Tax Payment Credit Management Measures, effective from July 1, 2025, categorize tax credit levels into five grades, with the highest grade A providing numerous incentives such as expedited processing of VAT invoice usage [2] - Companies with A-level tax credit enjoy significant advantages, including priority processing and access to timely tax policy updates, which enhance their operational efficiency and customer trust [2] Group 2 - The "Silver-Tax Interaction" mechanism has been instrumental in assisting companies facing financial difficulties by facilitating quick loan agreements with banks based on their tax credit history [3] - Companies like Yunnan Yidao Agricultural Development Co., Ltd. have successfully secured over 3 million yuan in bank loans through this mechanism, demonstrating how good tax credit can translate into financial support [3][4] - The continuous improvement of the tax credit repair management system allows companies with damaged credit to rebuild their reputation and rectify issues, thus maintaining their operational capabilities [4][5] Group 3 - Companies that have experienced credit downgrades due to management oversights can seek assistance from tax authorities to restore their credit status, as seen with Kunming Yuehao Cleaning Co., Ltd. [5] - The establishment of a tax credit repair team by local tax authorities provides essential guidance and resources for companies to navigate the credit repair process effectively [5] - The focus on compliance and integrity in tax payment is emphasized as a foundation for sustainable business growth and trust-building in the market [5]

Core Viewpoint - The article emphasizes the importance of the "Jinxin Qixidai" loan product developed by Liaoning Rural Commercial Bank, which leverages tax data to enhance financial support for small and micro enterprises, thereby contributing to the revitalization of the local economy and the overall financial market [4][14]. Group 1: Economic Context - The global economy is showing signs of fatigue, while domestic conditions are improving, particularly in emerging industries like artificial intelligence and renewable energy, indicating China's transition from a manufacturing powerhouse to a manufacturing stronghold [1]. - Liaoning plays a crucial role in the national industrial upgrade strategy, highlighting the need for innovative financial solutions to stimulate enterprise growth and economic development [1]. Group 2: "Jinxin Qixidai" Loan Product - The "Jinxin Qixidai" loan product was launched to empower the real economy in Liaoning, with its first issuance occurring on June 23, 2022 [4]. - This product utilizes tax data, which is characterized by its authenticity, comprehensiveness, and timeliness, to assess the financial health of enterprises [4][5]. - The loan product allows enterprises to obtain credit without collateral, streamlining the loan approval process through online systems [5][9]. Group 3: Financial Application and Benefits - Tax data enhances credit assessment accuracy, reduces default risks, and facilitates the development of tailored financial products for small and micro enterprises [5][6]. - The "Jinxin Qixidai" product has been recognized for its rapid approval process and lower interest rates, making it an attractive financing option for businesses [12][14]. - As of now, over 770 loans have been issued under this product, amounting to a pre-approved credit of 860 million yuan, significantly supporting local enterprises [14]. Group 4: Future Outlook - Liaoning Rural Commercial Bank aims to continuously optimize the "Jinxin Qixidai" service process to better meet the funding needs of local enterprises, thereby contributing to the revitalization of the Northeast's old industrial base [14].

Group 1 - The core viewpoint of the articles emphasizes the efforts of the tax bureau in Gushi County, Henan Province, to support small and micro enterprises through tailored services and financial assistance [1][2] - The tax bureau has implemented a "one enterprise, one policy" customized service to address the specific needs of small businesses, providing comprehensive tax support throughout their lifecycle [1] - A case study highlights that a local company received a loan within 24 hours with an interest rate 1.2 percentage points lower than similar market products, showcasing the effectiveness of the tax bureau's support [1] Group 2 - The tax bureau has established a "tax-bank-enterprise" interactive platform to enhance communication between taxpayers and financial institutions, promoting awareness of loan opportunities among businesses [1] - The bureau actively shares taxpayer data with banks to encourage the development of favorable credit products for enterprises with good tax credit ratings [1] - Future plans include continuing to leverage "tax-bank interaction" and "policy empowerment" to create a positive cycle of precise services, convenient financing, and innovative development for small businesses [2]

Group 1 - The core objective of the event is to enhance the first loan acquisition rate for small and micro enterprises, addressing their financing challenges [1] - The event was organized by the Harbin Municipal Financial Office in collaboration with the People's Bank of China Heilongjiang Branch and the Heilongjiang Financial Regulatory Bureau, with over 500 enterprise representatives participating [1] - Financial institutions, including China Construction Bank, Harbin Bank, and Shanghai Pudong Development Bank, introduced credit products tailored for "start-up enterprises" and "first loan enterprises" [1] Group 2 - The Harbin Taxation Bureau has collaborated with 21 banks to launch over 20 credit products, such as "Tax Easy Loan" and "Tax Bank Connection," aiding small and micro enterprises in overcoming financing difficulties [1] - Since 2015, nearly 600 billion yuan in loans have been issued to over 100,000 taxpayers [1] - As of the first quarter of 2025, a total of 96.64 billion yuan in loans has been disbursed in the Harbin area [1] Group 3 - The main event consisted of three segments: interpretation of policies benefiting enterprises, promotion of financial products, and interactive Q&A sessions [2] - Financial advisors from banks provided on-site answers to enterprise inquiries, fulfilling roles as financing service providers, policy promoters, development guides, and information collectors [2] - Participating enterprises expressed that the event significantly aided their understanding of financial policies and helped them find suitable loan products [2]

Core Insights - The article discusses the "Silver-Tax Interaction" initiative aimed at alleviating financing difficulties for small and micro enterprises in Baoji, China [2][4]. Group 1: Initiative Overview - The "Silver-Tax Interaction" method is designed to enhance the convenience, inclusiveness, and creativity of financing solutions for small and micro enterprises [2]. - The initiative is part of the "Spring Breeze Action" to optimize the tax business environment and improve the efficiency of tax-related services [2]. Group 2: Impact on Enterprises - Baoji Yongshengtai Titanium Industry Co., Ltd. successfully secured a loan of 10 million yuan through the "Silver-Tax Interaction" platform, which significantly alleviated its financial pressure and supported its production expansion [4]. - The company faced increased operational pressure due to rising R&D costs and economic conditions, highlighting the importance of the initiative in providing timely financial support [4]. Group 3: Collaborative Mechanisms - The Baoji High-tech Zone Tax Bureau has established a regular collaborative mechanism with multiple banks, converting enterprise tax credit ratings into loan amounts to address financing challenges [6]. - In the first quarter of 2025, the Industrial and Commercial Bank of China provided loans totaling 124 million yuan to 142 small and micro enterprises, demonstrating the effectiveness of the "Silver-Tax Interaction" in facilitating access to finance [6]. Group 4: Future Directions - The Baoji High-tech Zone Tax Bureau plans to continue focusing on the "Spring Breeze Action" and further develop the "Silver-Tax Interaction" services to enhance enterprise vitality and improve the efficiency of business operations [6].

Core Viewpoint - The tax business environment in Yunnan is showcasing innovative practices aimed at optimizing the business environment through smart tax services and targeted policies [1] Group 1: Tax Service Innovations - Yunnan's tax authorities have established a three-dimensional publicity system combining online, offline, and customized services to enhance policy implementation [2] - The "Spring Breeze Tax Rain" live streaming platform has been launched to provide real-time guidance on tax declaration processes, significantly improving efficiency and accuracy for taxpayers [2] - The "First Class for New Businesses" initiative integrates tax education into the business setup process, reducing the time for tax registration and invoice application from 3 days to under 2 hours [3] Group 2: Smart Tax System - The tax department has developed a "smart hub + intelligent terminal" service system, enabling over 98% of tax matters to be handled online, with 160+ services available on mobile [4] - A collaborative service center has been established to enhance efficiency, allowing businesses to complete tax-related tasks without needing to visit physical offices [4] Group 3: Policy Implementation and Benefits - A three-pronged mechanism of "policy radar + intelligent matching + risk prevention" has been created to ensure that tax benefits reach businesses effectively [5] - The implementation of a "one enterprise, one policy" service file allows for tailored support, resulting in significant tax savings for companies [5] - Companies have reported substantial tax reductions due to targeted policies, with one company saving 898,200 yuan through R&D expense deductions [5][6]