党的二十届四中全会对健全现代金融体系、增强金融服务实体经济能力作出重要部署，强调要优化融资 结构，更好发挥信用在资源配置中的关键作用。着力破解实体经济融资瓶颈，激活万千市场主体的内生 动力，一场以"信用"为核心、以数据为驱动的金融供给侧结构性改革正在湖北深入推进。 图：脚步丈量，服务延伸。邮储银行嘉鱼县支行的客户经理把金融服务送到四邑村的田间地头。 今年以来，湖北省创新推出"科技型企业知识价值信用贷""中小企业商业价值信用贷"及"农民个人信用 价值和农村资产信用价值贷款"（简称"两农"信用贷）三大政策性工具，引导金融资源向缺乏抵押物但 具有真实信用价值的市场主体精准滴灌。在这一政策蓝图的指引下，中国邮政储蓄银行湖北省分行（以 下简称"邮储银行湖北省分行"）迅速跟进，全面布局，将服务触角深度融入地方经济发展脉络，围绕三 大信用贷款工具持续发力，取得了显著成效。截至2025年11月末，该行今年投放相关信用贷款资金近13 万笔，金额超过454亿元，广泛覆盖万千市场主体，为湖北实体经济发展注入了源源不断的金融动能。 "两农"信用价值贷款 唤醒乡土信用 润泽千村万户 解"轻资产"之困 助中小企业稳健前行 对于许多处于成 ...

Core Insights - The article highlights the proactive measures taken by Xuan'en County to support small and micro enterprises through tailored financial services and credit loans, significantly boosting local economic development [1][2][3][4] Group 1: Financial Support Initiatives - Xuan'en County has implemented a "Small and Micro Enterprise Financing Coordination Mechanism," conducting extensive outreach to understand the financing needs of local businesses, resulting in a "申报清单" and "推荐清单" for targeted support [2] - Financial institutions in the county have issued loans totaling 21.83 billion yuan, with 1.36 billion yuan allocated to 189 small enterprises as first-time loans [2][3] - The average loan processing time for small and micro enterprises has been reduced from 7 working days to 3, enhancing accessibility to credit [3] Group 2: Economic Impact - In the first half of the year, Xuan'en County's financial institutions provided 15.09 billion yuan in new loans, exceeding the annual target by 17% and marking a historical high [1] - The county saw a 47% year-on-year increase in new business entities, with 3,164 new operating units established [1] - The tourism sector has significantly contributed to the local economy, with nearly 10 million visitors and a 45.16% increase in tourism revenue, leading to a doubling of household deposits [4] Group 3: Innovative Financial Products - Banks have developed nearly 20 new financial products aimed at small and micro enterprises, including various credit loans that do not require collateral [3] - The introduction of personal credit value loans and rural asset value loans has successfully disbursed 24.45 million yuan, demonstrating effective financial innovation [3] - The establishment of a "Financial + Industry + Tourism" ecosystem has supported key projects, with 19.08 billion yuan in credit granted for 10 major county projects [3]

Core Viewpoint - The implementation of the "Commercial Value Credit Loan" in Hubei Province is aimed at alleviating the financing difficulties faced by small and medium-sized enterprises (SMEs) by leveraging their commercial creditworthiness to secure loans without the need for collateral [1][2]. Group 1: Policy Implementation - Hubei Province has introduced the "Implementation Measures for Commercial Value Credit Loans" to address the financing challenges of SMEs, focusing on data and fiscal credit enhancement to create a credit assessment model [1]. - The policy aims to support "light assets, broad credit, and convenient" financing, allowing SMEs to obtain credit loans based on their commercial value [1]. Group 2: Local Government Initiatives - The local government in Hubei is actively promoting the policy by enhancing the quality of its workforce and optimizing the business environment, exploring new paths for "credit-based lending" [2]. - A collaborative service network has been established involving multiple departments to promote the Commercial Value Credit Loan, ensuring comprehensive support for SMEs [2]. Group 3: Loan Demand and Supply - As of now, 1,310 enterprises in Hubei have registered on the platform, with 242 enterprises submitting loan requests totaling 366 million yuan, and 11 enterprises successfully obtaining credit [6]. - The total new loans issued this year amount to 1.752 billion yuan, representing a year-on-year growth of 20.14%, with the tea industry receiving significant financial support [6]. Group 4: Future Plans - The local government plans to continue enhancing collaboration between government, banks, and enterprises, focusing on training and improving financial service capabilities to ensure effective implementation of the credit loan policy [6]. - There is an ongoing effort to improve the credit system and broaden financing channels for SMEs, aiming to inject more financial resources into their development [6].

Core Insights - The People's Bank of China (PBOC) in Jiangjin is promoting the application of the National SME Fund Flow Credit Information Sharing Platform to address financing difficulties faced by small and micro private enterprises due to lack of credit records and effective collateral [1] - As of mid-March 2025, 29 banks in the jurisdiction have joined the fund flow information platform, issuing 57 loans totaling 30.664 million yuan based on fund flow information [1] Group 1: Addressing Collateral Challenges - Many specialized and innovative enterprises face credit difficulties due to insufficient qualified collateral, but the fund flow platform and credit loans from banks like Everbright Bank have enabled them to secure financing [2] - The PBOC in Jiangjin is guiding local banks to enhance the promotion and training of the fund flow platform, launching supporting financial products, and systematically analyzing enterprises' operational and cash flow conditions to provide credit to well-performing businesses [2] - As of mid-March 2025, the PBOC in Jiangjin has issued 32 credit loans totaling 1.878 million yuan through the fund flow platform [2] Group 2: Increasing Financing Limits - Companies like Chongqing Xincai New Materials Co., Ltd. have successfully obtained loans by leveraging their fund flow information, despite having all assets pledged as collateral [3] - The PBOC is encouraging banks to utilize the advantages of the fund flow platform to explore loan issuance for enterprises lacking collateral, thereby increasing credit availability and stimulating enterprise activity [3] - As of mid-March 2025, the Jiangjin jurisdiction has facilitated 3.07 billion yuan in loans through 101 inquiries of fund flow information [3] Group 3: Enhancing First Loan Success Rates - Small enterprises like Chongqing Yuanchuang Technology Co., Ltd. have received quick credit support through the fund flow platform, despite lacking traditional credit records [4] - The PBOC is prioritizing the provision of first loans to "credit white households" by guiding banks to use the fund flow platform for a comprehensive understanding of enterprises' financial conditions [4] - As of mid-March 2025, the Jiangjin jurisdiction has issued 445,000 yuan in loans to 2 first-time borrowers through the fund flow platform [4]