12月26日，财政部、中国人民银行等部门联合印发《关于进一步发挥政府性融资担保体系作用加力支持 就业创业的指导意见》，推动发挥政府性融资担保体系增信分险作用，引导更多金融资源精准支持就业 创业。 小微企业是吸纳和拉动就业的主力军，部分小微企业有效抵质押物较少、资信较弱，出现融资难、融资 贵等问题。政府性融资担保为小微企业增进信用，为金融机构分担风险，是财政金融政策协调配合支持 小微企业融资发展、促进就业、扩大内需的重要政策工具。"2026年是'十五五'开局之年，落实中央经 济工作会议部署要求，《指导意见》将与贷款贴息等政策协同发力，推动经济实现质的有效提升和量的 合理增长，服务经济社会高质量发展。"财政部有关负责人说。 在支持就业方面，《指导意见》建立了一套量化评价与激励约束机制，推动担保资源从扩面增量向提质 增效转变，引导政府性融资担保加大对就业的贡献力度。其中，创设就业贡献度"一个关键指标"。该指 标综合政府性融资担保机构支持就业增长、担保资源稳定就业人数加权计算，突出业务规模、风险控 制、就业带动"三位一体"的绩效导向，引导更多担保资源精准服务就业。 同时，实施就业贡献度与担保资源分配的"两项挂钩机制" ...

Core Viewpoint - The establishment of Dali State Financing Guarantee Co., Ltd. marks a significant step in addressing financing challenges for small and micro enterprises and the agricultural sector in Dali, integrating into the provincial financing guarantee system [3][7]. Group 1: Company Establishment and Purpose - Dali State Financing Guarantee Co., Ltd. was formed by the state and county financial bureaus to serve as a government financing guarantee institution [3]. - The company aims to create a value symbiosis system that enhances fiscal efficiency, increases bank lending, and benefits the main entities involved [3]. Group 2: Partnerships and Collaborations - The company signed a batch re-guarantee cooperation agreement with Yunnan Provincial Financing Guarantee Co., Ltd. and a memorandum of cooperation with Jiangsu Yangzhou Financing Guarantee Group, integrating into the provincial re-guarantee system [3]. - Strategic cooperation framework agreements were signed with several industrial parks to open new financing channels for small and micro enterprises [5]. Group 3: Financial Commitments - The company secured a total credit line of 5.8 billion yuan through agreements with three banks: 2 billion yuan with Industrial and Commercial Bank of China, 2 billion yuan with Bank of China, and 1.8 billion yuan with Bank of Communications [5]. - This financial backing is intended to support the development of the local economy and empower industrial growth in Dali [5]. Group 4: Future Directions - The company plans to enhance financial service quality and efficiency under the guidance of the local government, aiming to become a trusted financing guarantee platform for the government, enterprises, and banks [7].

2024年1至12月份，新力金融的营业收入构成为：融资租赁占比57.66%，小额贷款占比21.69%，软件和 信息技术服务业占比9.38%，典当业务占比5.03%，融资担保占比4.59%。 截至发稿，新力金融市值为47亿元。 每经AI快讯，新力金融（SH 600318，收盘价：9.08元）12月29日晚间发布公告称，公司合并报表范围 内的控股子公司安徽德润融资租赁股份有限公司（简称"安徽德润"）因经营业务需要与恒丰银行股份有 限公司合肥分行（简称"恒丰银行"）签订了《流动资金借款合同》。公司与恒丰银行签订了《最高额保 证合同》，为安徽德润与恒丰银行签订的《流动资金借款合同》项下所形成的所有负债提供连带责任保 证担保，担保总金额为人民币7000万元，保证人承担保证责任的保证期间为三年。 截至本公告披露日，本次新增担保后公司及控股子公司对外担保总额约9.47亿元（其中控股子公司为其 下属公司对外担保总额约为1.16亿元），占公司最近一期经审计净资产的89.31%。 每经头条（nbdtoutiao）——直击茅台经销商大会：2000多人周末齐聚！重大变革公布：涉及茅台酒价 格、分销等，董事长陈华：经销商不能再"躺着赚 ...

Core Viewpoint - The recent guidance from the Ministry of Finance, Ministry of Human Resources and Social Security, People's Bank of China, and the Financial Regulatory Administration aims to enhance the role of government financing guarantee systems in supporting employment and entrepreneurship [1] Group 1: Government Financing Guarantee - Government financing guarantees are crucial for enhancing the credit of small and micro enterprises and sharing risks with financial institutions [1] - The financing guarantee system is an important policy tool for coordinating fiscal and financial policies to support the financing development of small and micro enterprises, promote employment, and expand domestic demand [1] - The financing guarantee fund has served over 5.7 million small and micro enterprises, stabilizing approximately 59 million jobs [1] Group 2: Employment Support - The guidance establishes a quantitative evaluation and incentive mechanism to shift the focus of guarantee resources from expansion to quality and efficiency [1] - The emphasis is on increasing the contribution of government financing guarantees to employment [1] Group 3: Support for Entrepreneurship - The guidance focuses on five areas for enhancing entrepreneurship guarantee loans: expanding coverage, reducing costs, innovating, increasing support, and improving efficiency [1] - It aims to strengthen the coordination between financing guarantees and loan interest subsidy policies [1]

据财政部12月27日消息，为进一步发挥政府性融资担保体系增信分险作用，引导更多金融资源精准支持就业创业，财政部日前会同人力资源社会保障部、 中国人民银行、金融监管总局印发《关于进一步发挥政府性融资担保体系作用 加力支持就业创业的指导意见》（以下简称《指导意见》）。 据了解，《指导意见》的核心内容是引导政府性融资担保加大对就业的贡献力度，从而稳就业、扩内需。 政府性融资担保为小微企业增进信用，为金融机构分担风险，是财政金融政策协调配合支持小微企业融资发展、促进就业、扩大内需的重要政策工具。近 年来，财政部会同有关方面持续推动政府性融资担保发展，形成了以健全完善政府性融资担保体系为"一体"、以服务就业创业和支持科技创新为"两翼"的 发展布局，"一体支撑、两翼齐飞"，加力支持实体经济。 支持重点人群创业。政府性融资担保机构对符合条件的高校毕业生（含大学生村官和留学回国学生）、就业困难人员（含残疾人）、退役军人、脱贫人 口、返乡创业农民工、城镇登记失业人员、刑满释放人员、化解过剩产能企业职工和失业人员、网络商户、农村自主创业农民等十类重点就业群体以及吸 纳其就业的小微企业申请的创业担保贷款，积极提供担保增信服务，重点 ...

财政部有关负责人在解读《意见》时表示，财政部指导融担基金发挥体系引领作用，凝聚1500余家担保 机构力量，累计再担保合作业务规模超过6.7万亿元，年均增长约40%，合作机构平均担保费率降至1% 以下，小微企业综合融资成本降至5%以下。 近日，财政部等四部门发布《关于进一步发挥政府性融资担保体系作用 加力支持就业创业的指导意 见》（下称《意见》），核心内容是引导政府性融资担保加大对就业的贡献力度，从而稳就业、扩内 需。 小微企业是吸纳和拉动就业的主力军，部分小微企业有效抵质押物较少、资信较弱，出现融资难、融资 贵等问题。而政府性融资担保具有"增信、分险、中介"重要功能，是助力小微企业融资发展的重要政策 工具，也发挥了重要作用。 【#万亿级政府融资担保支持稳就业#：#1亿担保可稳就业800人#】就业是最基本民生，中国在万亿级政 府融资担保资源分配方面将更多地考虑稳就业因素。 "在服务就业方面，据融资担保行业估算，每提供1亿元担保可稳定就业超过800人。财政部指导融担基 金优化业务结构，引领体系加力支持劳动密集型企业，融担基金累计服务小微企业等经营主体超过570 万户次，稳定就业约5900万人次。"上述负责人称。 ...

国家构建融资担保资源分配与就业贡献度挂钩机制 "实施就业贡献度与担保资源分配的"两项挂钩机制"设计，既降低合作机构成本，又形成激励相容的政 策传导机制，确保就业导向有效落实。"财政部有关负责人称。 此前实践中，有专家认为对部分小微企业来说，目前政府性融资担保机构业务门槛相对较高，而此次 《意见》另一大亮点是降低担保门槛。 《意见》要求政府性融资担保机构逐步降低或取消对吸纳就业人数多的劳动密集型小微企业的抵质押反 担保要求，弱化盈利考核，加大对首贷户的支持。 财政部有关负责人在解读《意见》时表示，财政部指导融担基金发挥体系引领作用，凝聚1500余家担保 机构力量，累计再担保合作业务规模超过6.7万亿元，年均增长约40%，合作机构平均担保费率降至1% 以下，小微企业综合融资成本降至5%以下。 "在服务就业方面，据融资担保行业估算，每提供1亿元担保可稳定就业超过800人。财政部指导融担基 金优化业务结构，引领体系加力支持劳动密集型企业，融担基金累计服务小微企业等经营主体超过570 万户次，稳定就业约5900万人次。"上述负责人称。 目前实践中，存在一些政府性融资担保、再担保机构业务聚焦不够等问题。此前国务院办公厅发 ...

Core Viewpoint - The document outlines the government's new guidelines aimed at enhancing the role of the government financing guarantee system to support employment and entrepreneurship, focusing on labor-intensive small and micro enterprises and key groups in need of support [1][2]. Group 1: Support for Labor-Intensive Small and Micro Enterprises - The guidelines propose the establishment of a financing guarantee employment contribution index to quantitatively assess the employment impact of financing guarantee institutions [2][3]. - A resource allocation mechanism based on employment contribution will be developed, with the national financing guarantee fund considering employment contribution as a key factor in distributing re-guarantee business credit limits [2][3]. Group 2: Innovation in Financial Products - The guidelines encourage the development of specialized financial products for labor-intensive small and micro enterprises, including loans for wage payments and special loans for maintaining or expanding employment [3][4]. - The document emphasizes reducing the barriers for financing guarantees by minimizing collateral requirements for enterprises that employ a significant number of workers [3][4]. Group 3: Support for Key Groups in Entrepreneurship - The guidelines advocate for supporting key demographics, such as recent graduates and veterans, in applying for entrepreneurial guarantee loans, ensuring equal access to financing for various educational backgrounds [4][5]. - Government financing guarantee institutions are encouraged to provide guarantee services for entrepreneurial loans to ten specific employment groups, including unemployed individuals and rural entrepreneurs [4][5]. Group 4: Financial Cost Reduction and Efficiency - The guidelines suggest local governments explore reducing guarantee fees for eligible entrepreneurial loans and incentivizing trustworthy clients with fee refunds [4][5]. - A mechanism for rapid processing of entrepreneurial guarantee loans is proposed, aiming for expedited approval and disbursement processes [5]. Group 5: Risk Management and Innovation - The guidelines stress the importance of balancing innovation in financial products with risk management, ensuring that financing solutions remain sustainable and within risk control limits [5].

（原标题：刚刚！央行等部门，重磅发布！） 事关就业创业，四部门重磅发布。 今日，财政部、人力资源社会保障部、中国人民银行、金融监管总局发布《关于进一步发挥政府性融资 担保体系作用 加力支持就业创业的指导意见》（以下简称《意见》），从加力支持劳动密集型小微企 业、助力重点群体创业带动就业、强化信息归集共享、加强组织实施四个方面提出了14条具体举措。 《意见》还提到，降低融资担保门槛。政府性融资担保机构逐步减少、取消对吸纳就业人数多、劳动密 集型小微企业融资担保的抵质押反担保要求，弱化盈利考核，加大对首贷、首担客户的开拓力度，降低 融资准入门槛。 助力重点群体创业带动就业 在助力重点群体创业带动就业方面，《意见》提出，支持重点人群积极申请创业担保贷款。鼓励有条件 的地方积极支持应届和往届高校毕业生申请创业担保贷款，技工院校高级工班、预备技师班和特殊教育 院校职业教育类毕业生可同等享受高校毕业生创业担保贷款相关政策。 《意见》要求，积极为创业担保贷款提供担保。政府性融资担保机构对符合条件的高校毕业生（含大学 生村官和留学回国学生）、就业困难人员（含残疾人）、退役军人、脱贫人口、返乡创业农民工、城镇 登记失业人员、刑 ...

Core Viewpoint - The article discusses the release of the "Guiding Opinions on Further Leveraging the Role of Government Financing Guarantee System to Support Employment and Entrepreneurship" by four government departments, emphasizing the need for enhanced support for labor-intensive small and micro enterprises and key groups in entrepreneurship to boost employment [2][3]. Group 1: Support for Labor-Intensive Small and Micro Enterprises - The opinions propose the establishment of a financing guarantee employment contribution index to quantitatively assess the annual employment impact of government financing guarantee institutions [3]. - A resource allocation mechanism based on employment contribution will be developed, with the national financing guarantee fund considering this index when distributing re-guarantee credit limits [3]. - The opinions call for the innovation of specialized financial products and services tailored for labor-intensive small and micro enterprises, including loans for wage payments and support for businesses affected by tariffs [4]. Group 2: Assistance for Key Groups in Entrepreneurship - The opinions encourage key groups, such as recent graduates and vocational education graduates, to apply for entrepreneurial guarantee loans, ensuring equal access to these financial resources [5][6]. - Government financing guarantee institutions are urged to provide guarantee services for entrepreneurial loans to ten specific employment groups, including graduates, veterans, and rural entrepreneurs [6]. - There is a focus on reducing the comprehensive financing costs for entrepreneurial groups, with local governments encouraged to lower guarantee fees and promote favorable loan interest rates [6][7]. Group 3: Enhancing Efficiency and Support Mechanisms - The opinions advocate for increased fiscal support for entrepreneurial guarantee loans, including interest subsidies and risk compensation [7]. - A "fast approval, fast guarantee, fast loan" mechanism will be established to streamline the loan issuance process, promoting online business models [7]. - The need for innovation in financial products and services while maintaining risk control is emphasized, with a focus on technology-driven solutions for small and micro enterprises [7].