在一次政策宣讲活动中，"济担-活力贷"进入张世森的视线。通过济南财金集团所属济南融资担保集团 有限公司与合作银行的现场指导，张世森线上申请了该担保贷款产品，很快便获得50万元授信，及时支 付了原材料采购费用，并节省近5000元利息和保费支出。对于这笔贷款，张世森的评价是：审批速度 快，融资成本低，无需抵质押，真正满足中小微企业短期资金周转需求。 小微、"三农"、科创企业融资难，难在其信用价值无法被传统信贷模式有效识别与认可。在济南市财政 局等部门政策引导和山东投融资担保集团分险支持下，济南担保联合驻济各大银行共同推出了"济担-活 力贷"这一政策性担保贷款专项产品，旨在凝聚"政府-银行-担保"三方合力，共同为小微企业增信赋能、 增添活力。 中小微企业有活力，经济发展就更有动力。济南芊宇电子科技有限公司是一家从事电子专用材料研发、 电子元件模板设计生产的省级高新技术企业，凭借过硬的产品质量，企业订单越来越多，生意越做越红 火。 惠企助微的同时，如何管住风险？济南担保不断升级"智能风控大脑"，通过"大数据+人工"风险审查模 式，把"软数据"的交叉验证和"硬数据"的科学判断结合起来，依托政务数据、三方数据、银行贷后数 ...

中盈盛达融资担保(01543)发布公告，于2025年9月16日，本公司与中山金融投资订立业务合作协议，集 团公司将为客户向中山金融投资集团公司提供担保，担保最高额为人民币1亿元。集团公司提供的各项 个别担保的实际条款(例如担保方式、范围及期限)将由集团公司与中山金融投资集团公司根据将予订立 的单独担保服务协议协定。 ...

格隆汇9月16日丨中盈盛达融资担保(01543.HK)公告，于2025年9月16日，公司与中山金融投资订立业务 合作协议，据此，集团公司将为客户向中山金融投资集团公司提供担保，担保最高额为人民币1亿元。 集团公司提供的各项个别担保的实际条款(例如担保方式、范围及期限)将由集团公司与中山金融投资集 团公司根据将予订立的单独担保服务协议协定。 ...

转自：北京日报客户端 聚焦消费供应链、优质消费供给等领域，担保公司与商业银行联手发力，精准破解小微企业融资瓶颈， 成为普惠金融赋能消费市场的一个缩影。 9月16日，记者从北京国华文科融资担保有限公司（简称"国华担保"）获悉，今年以来，该公司已累计 为416家文旅、餐饮、商超等消费类企业提供7.8亿元融资担保贷款支持，为消费市场恢复活力、提振信 心持续注入金融"活水"。 物流是消费供应链的"最后一公里"。晟鑫伟业公司主要从事货运服务及配送站运营，服务于多家头部快 递公司、电商平台。针对企业的发展需求，国华担保联合中国银行主动对接，首次授信140万元，为其 快递自动化分拣设备更新提供资金保障。公司相关负责人说，拿到资金支持后，很快就对设备进行更 新，单日分拣能力从原先的3万票，大幅提升至4.2万票。 业务量还在扩容，今年企业有了进一步升级分拣流水线设备的想法。得知企业的运营资金需求，银担合 作又一次出手——这次，国华担保联合中国银行为其注入240万元授信额度，进一步满足企业扩大产能 的设备投入需求，助力其提升末端物流的效率。"电商消费旺季再也不用怕爆单了！"公司负责人表示。 餐饮是消费的重要领域，也是城市烟火气的 ...

广东省政府性融资担保、再担保机构绩效评价实施办法 （征求意见稿） 第一章 总则 第一条 为规范我省（不含深圳市）各级政府性融资担保、再担保机构的绩效评价工作，引导政府性融 资担保、再担保机构坚守主业、聚焦支小支农、积极服务小微企业和"三农"主体，根据《国务院办公厅 关于有效发挥政府性融资担保基金作用切实支持小微企业和"三农"发展的指导意见》（国办发〔2019〕 6号）、《政府性融资担保、再担保机构绩效评价指引》（财金〔2020〕31号）、《政府性融资担保发 展管理办法》（财金〔2025〕11号）等规定，制定本实施办法。 第二条 本实施办法所称政府性融资担保、再担保机构，是指依法设立，由政府及其授权机构、国有企 业出资并实际控股，以政策性融资担保业务为主业的融资担保、再担保机构。省财政厅会同有关部门确 南都讯 记者卢婉珊 9月12日，广东省财政厅官网发布了《广东省政府性融资担保、再担保机构绩效评价 实施办法（征求意见稿）》。 据介绍，为加强广东省（不含深圳市）政府性融资担保机构、再担保机构管理，引导政府性融资担保、 再担保机构坚守主业、聚焦支小支农，根据《政府性融资担保、再担保机构绩效评价指引》（财金 〔202 ...

就在最近，南京一家从事农药批发和零售的科技型中小企业遇到融资难题时，紫金担保第一时间上门， 主动向企业推荐"紫易担"产品，并联合南京银行为其提供390万元担保贷款，企业相关负责人点赞称"这 是来自紫金担保的及时雨"。这也是紫金担保与南京银行合作的首笔"紫易担"，后续双方将不断拓展合 作深度和广度，共同为实体经济助力。 从"企业干着急"到"资金精准投"，紫金担保以创新科技金融产品为载体，进一步深化对企业的全周期赋 能力度，引导金融资源支持实体经济发展。下一步，公司将持续创新模式、提升服务质效，为南京建设 科创金融改革试验区增添"担保"动能，让金融活水充分浇灌科技种子，培育壮大科创"雨林"。 科技金融是金融服务实体经济高质量发展的重要着力点，中央金融工作会议将科技金融列为"五篇大文 章"之首。为进一步落实对科技企业的精准扶持，市科技局、市财政局今年对原"宁科贷"进行产品升 级，将覆盖范围拓展至所有高新技术企业、科技型中小企业，单户最高贷款额度提升至2000万元，并为 首贷科技企业提供贷款贴息。作为江苏省首批政府性融资担保机构，紫金担保积极推动升级版新政落实 落细，聚焦南京市"4+2+6+6"创新型产业集群培育需求 ...

湖北省农担公司始终以服务"三农"为核心使命，依托以风险分担和政府推荐为基础的"442"政担合作模 式(即政府、农担、银行各按40%、40%、20%比例分险)，为湖北省农业发展提供重要金融支撑。随着 形势发展变化，原有"442"模式面临政府合作积极性下降、风险补偿资金管理困难等问题，制约了政担 合作规模与地方农业高质量发展。省农担公司以改革深化提升行动为契机，创新开辟"差异化分险"新模 式，已在18个重点产业县落地，政银担业务规模占比从2023年底的32.63%上升至51.75%，在保障粮食 安全、助力特色农业发展、带动农户就业增收等方面成效显著。 创新模式 夯实合作基础 围绕旧模式核心症结，从分险机制、合作层级、资金管理三方面打造政担合作新框架。 创新差异化分险。针对不同地区政府合作意愿、风险承受能力差异，推出两种分险模式。0.3%定补模 式聚焦扩大业务规模，地方政府无需参与具体项目分险，仅按年末辖域内农担业务总量的0.3%支付定 额补助，已在钟祥市、咸安区等14个地区落地实施，显著提升地方业务拓展速度。"622"分险模式侧重 风险防控效能，将政府承担风险比例由40%降至20%，省农担公司由40%提升至60% ...

Core Insights - The "Farming Guarantee" business, a collaboration between Qingdao Financing Guarantee Group and Qingdao Rural Commercial Bank, has been officially launched to provide financial support to local agricultural enterprises [1] - The initiative aims to alleviate financial pressures faced by companies during peak purchasing seasons and to address financing bottlenecks in expanding livestock operations [1] - A unique risk-sharing mechanism called "46-54 risk sharing" has been introduced, where the bank assumes 40% of the loan risk and the guarantee institution takes on 60% of the guarantee responsibility, enhancing the willingness of banks to lend [1] Summary by Categories Financial Support - Qingdao Financing Guarantee Group and Qingdao Rural Commercial Bank have provided financing guarantees of 5 million yuan and 3 million yuan to Qingdao Hegu Source Grain Purchase and Sale Co., Ltd. and Qingdao Xinhong Livestock Service Co., Ltd. respectively [1] - The "Farming Guarantee" product is designed to support rural financial services and reduce financing thresholds for farmers and agricultural enterprises [1] Risk Management - The "46-54 risk sharing" mechanism allows for a scientific approach to risk distribution, promoting a complementary financial ecosystem between banks and guarantee institutions [1] - This model effectively enhances the willingness of banks to lend and addresses the financing difficulties faced by enterprises [1] Future Directions - Qingdao Financing Guarantee Group aims to continue innovating products and service models while deepening strategic cooperation with government departments and financial institutions [2] - The focus will be on building a multi-level, comprehensive financial service system for agriculture, contributing to high-quality agricultural development and improving the living standards of rural residents [2]

Core Viewpoint - The Hengqin Guangdong-Macao Deep Cooperation Zone has introduced a support policy aimed at facilitating financing for small and micro enterprises, providing various subsidies and interest discounts to alleviate their financing difficulties [3][5][13]. Group 1: Support Measures - The policy offers subsidies for loans, insurance fees, financing guarantees, leasing, and commercial factoring for eligible small and micro enterprises [3][13]. - A subsidy of 5% of the financing amount will be provided for enterprises obtaining financing through leasing, with a maximum annual subsidy of 1 million yuan per enterprise [3][18]. - For first-time borrowers from banks in the cooperation zone, the interest subsidy rate and funding cap will be executed at 120% of the standard rates [4][5]. Group 2: Eligibility Criteria - Eligible small and micro enterprises must be registered in the cooperation zone, comply with tax laws, and operate substantively [9]. - Specific conditions for higher subsidy rates include being an Australian-funded enterprise, a high-tech enterprise, or a recognized "little giant" enterprise [4][20]. - Financial institutions must be legally established and operate within the cooperation zone to qualify for providing loans and related services [10]. Group 3: Financial Management - The annual budget for subsidies and risk compensation is capped at 50 million yuan for various subsidies and 100 million yuan for risk compensation [12][21]. - Risk compensation for financial institutions providing loans to small and micro enterprises can reach up to 60% of the bad debt amount, with a maximum of 720,000 yuan per financing case [21][22]. - The policy will be effective from September 1, 2025, until December 31, 2029, with provisions for applications from January 1, 2025 [32].

Group 1 - Dongguan's financial committee reported significant progress in supporting small and medium-sized enterprises (SMEs) financing, with a record high of 25.35 billion yuan in financing guarantees in Q1 2025, representing a year-on-year increase of 320.85% [2][3] - The Dongguan "Xinyi Loan" platform has successfully issued 9,487 financing approvals, accumulating a total credit amount of 757.39 billion yuan, with 24 banks participating and 208 financial products launched [4][6] - The average interest rate for enterprise loans is 2.84%, while the average interest rate for small and micro enterprise loans is 3.18%, both showing a decline of over 70 basis points year-on-year [3][4] Group 2 - Dongguan is actively encouraging listed companies to establish merger and acquisition (M&A) funds, focusing on strategic emerging industries and future industries [5][6] - Three state-owned enterprises in Dongguan have initiated the establishment of industry M&A funds, with a total investment fund system exceeding 690 billion yuan, targeting high-tech and high-quality production enterprises [6][7] - Dongguan's listed companies are expanding into overseas emerging markets, with 45 A-share listed companies (72.58%) engaging in internationalization through overseas production bases and sales networks [7][8]