2025年，内蒙古通过市场监管助企行动精准发力，推动小微企业个体工商户三年成长计划圆满收官，全 区经营主体总量达到305.3万户。2026年，内蒙古将以有为监管托举有效市场，持续推动经营主体实现 质的有效提升和量的合理增长。 经营主体是市场经济的活力源泉，是区域经济发展的"细胞"与"基石"。2025年，内蒙古聚焦市场准入机 制，严格落实市场准入负面清单制度，纵深推进"高效办成一件事"改革，企业信息变更、迁移登记、注 销登记、开办餐饮店、"个转企"业务办理时限分别缩减至1个、2个、12个、9个、5个工作日。全年累计 为8.6万户经营主体修复信用，为1200余家企业提供广告合规指导，一系列举措为经营主体入市发展开 辟了"绿色通道"。为有效破解小微企业、个体工商户融资难，内蒙古创新推出个体蒙信贷、惠企质量 贷、知识产权质押融资贷款，累计为2.5万户经营主体授信贷款363亿元。 2026年，内蒙古将在提升经营主体准入准营便利化、信用水平等方面全力出击，持续激发其发展活力。 包括进一步规范市场准入，强化注册资本按期认缴管理，推动涉企服务从"能办"向"好办、易办"转变。 通过深化个体工商户分型分类精准帮扶、开展千企万户结 ...

（来源：内蒙古日报） 转自：内蒙古日报 本报1月25日讯 （记者 李国萍）2025年，内蒙古通过市场监管助企行动精准发力，推动小微企业个体工 商户三年成长计划圆满收官，全区经营主体总量达到305.3万户。2026年，内蒙古将以有为监管托举有 效市场，持续推动经营主体实现质的有效提升和量的合理增长。 经营主体是市场经济的活力源泉，是区域经济发展的"细胞"与"基石"。2025年，内蒙古聚焦市场准入机 制，严格落实市场准入负面清单制度，纵深推进"高效办成一件事"改革，企业信息变更、迁移登记、注 销登记、开办餐饮店、"个转企"业务办理时限分别缩减至1个、2个、12个、9个、5个工作日。全年累计 为8.6万户经营主体修复信用，为1200余家企业提供广告合规指导，一系列举措为经营主体入市发展开 辟了"绿色通道"。为有效破解小微企业、个体工商户融资难，内蒙古创新推出个体蒙信贷、惠企质量 贷、知识产权质押融资贷款，累计为2.5万户经营主体授信贷款363亿元。 2026年，内蒙古将在提升经营主体准入准营便利化、信用水平等方面全力出击，持续激发其发展活力。 包括进一步规范市场准入，强化注册资本按期认缴管理，推动涉企服务从"能办" ...

Core Viewpoint - Ordos City, as a significant energy and strategic resource base in China, is facing intense competition among local banks, prompting the Inner Mongolia Rural Commercial Bank to adopt a differentiated development strategy to enhance its financial services and support local economic growth [1] Group 1: Financial Performance and Market Position - As of the end of September, Inner Mongolia Rural Commercial Bank's total assets reached 159.74 billion yuan, with total deposits of 154.399 billion yuan and total loans of 71.773 billion yuan, leading the banking sector in Ordos [1] - The bank aims to establish a "characteristic development" model by focusing on the unique economic features of Ordos, particularly in coal and cashmere industries [1] Group 2: Industry Collaboration and Service Model - The bank has implemented a list management and upgraded service model for key enterprises in the modern coal chemical and cashmere industries, establishing partnerships with 28 core enterprises [2] - A "chain + cluster" financial service model has been developed, with loan balances for coal and cashmere industry clusters at 14.551 billion yuan and 1.658 billion yuan, respectively [2] Group 3: Financial Accessibility and Community Engagement - The bank operates 263 outlets and employs 3,214 staff, accounting for 40.1% and 40% of the local banking sector, respectively, emphasizing the integration of financial services into daily life [3] - A comprehensive outreach initiative has visited 86,500 rural households and 112,300 small businesses, with rural household loans totaling 21.698 billion yuan and inclusive loans at 14.089 billion yuan [4] Group 4: Customized Financial Products - The bank has shifted its focus from product-centered to customer-centered approaches, offering tailored financial products such as the "Rural Revitalization Loan" with a total issuance of 1.16 billion yuan [8] - The "Jinfeng·Huinong Loan" and its sub-products have provided 1.223 billion yuan in loans, while the "Huishang Yidai" and "Individual Mengxindai" products have issued 2.26 billion yuan in loans [8] Group 5: Integration of Party Building and Business - The bank promotes deep integration of party building with business operations, establishing a cooperative mechanism with local government and enterprises to enhance financial service efficiency [9] - A financial system party building cultural practice education base has been created to facilitate cooperation among financial institutions in Ordos [10]

Core Viewpoint - The increasing support for the transformation of individual businesses into enterprises (referred to as "individual-to-enterprise" or "个转企") is leading to heightened attention from banks towards providing financial services to these businesses during their growth phase [1][2]. Policy Support - Multiple policies supporting the "individual-to-enterprise" transformation have been implemented since July, including the "Regulations on the Registration and Management of Individual Businesses" which took effect on July 15 [2]. - The "Guiding Opinions" issued by nine departments, including the State Administration for Market Regulation, emphasize enhancing financial services for individual businesses transitioning to enterprises, promoting a long-term mechanism for lending [2]. Financial Products - Banks are launching targeted financial products to support the transformation, such as "Growth Loans" with a monthly interest rate as low as 2.5‰ and "Individual-to-Enterprise Easy Loans" [1][2]. - The transition from individual business loans to corporate loans will require banks to adjust their management practices, although the overall loan volume and revenue will remain unchanged [2]. Classification and Support - As of May 2025, there are 1.85 billion private economic organizations in China, with individual businesses accounting for 1.27 billion, representing 68.65% [3]. - The State Administration for Market Regulation is implementing precise support measures for different types of individual businesses, with a goal to establish a "National Individual Business Directory" by the end of 2024 [4][5]. Regional Initiatives - Various regions, such as Ningxia and Guizhou, are developing tailored support measures for individual businesses based on their operational status, tax contributions, and employee numbers [5][6]. - Banks are creating innovative products like "Merchant Circle Loans" to enhance financial service precision for individual businesses [6].