支持民营和中小企业，既是银行的社会责任，也是商业可持续的必然选择。当更多企业在金融的滋养下 枝繁叶茂，当劳动者收入随企业成长水涨船高，共同富裕的根基将更牢固，中国式现代化的画卷也将更 加生动。 本报编辑部 降低融资成本，不能简单地指望利率"一降了之"，而要构建"综合减负"生态。简单压价反而可能加剧融 资难度。为此，银行可从三方面破局：一是清理贷款环节的不合理收费，把LPR下行红利全额让渡给企 业；二是用好政府性融资担保、风险补偿基金，通过多方共担降低对抵押物的依赖，使风险定价回归合 理区间；三是提供"融资+服务"组合拳，帮助企业优化财务、对冲汇率风险，从非资金端降低运营成 本。只有融资成本下降与经营效率提升同频共振，中小企业才能真正焕发生机。 民营和中小企业是吸纳就业的主力军、技术创新的生力军，也是县域经济活力的源头活水。然而，"融 资难、融资贵"是其发展道路上常见的阻碍。 更高阶的价值，是培育企业的"自我造血"能力。共同富裕不是简单分蛋糕，而是做大蛋糕、提升全社会 发展能力。银行可把信贷资源投向绿色技改、数字化转型，帮助企业跨越技术门槛；深入产业园区，提 供财务规划、市场对接、管理升级等"融智"服务，补齐企 ...

Group 1 - The core viewpoint emphasizes the necessity of financial support for rural infrastructure development, as highlighted in the 2025 Central Document No. 1, which calls for the innovation of rural revitalization financing mechanisms [1] - Current long-term credit supply for rural infrastructure is insufficient to meet the growing demand, with commercial financial institutions hesitant to provide matching long-term credit due to liquidity risks and other concerns [1][2] - The lack of a nationwide, shared database for rural infrastructure projects hinders the understanding of overall long-term credit demand and affects the effective connection between credit supply and demand [1][2] Group 2 - To address financing challenges in rural infrastructure, a collaborative financial ecosystem is needed, integrating the functions of policy-based and commercial financial institutions [2] - Establishing a unified national database for rural infrastructure projects is crucial for breaking down information barriers and enhancing credit supply-demand matching through data-driven approaches [2] - Commercial financial institutions are encouraged to innovate financial products tailored to the diverse needs of rural infrastructure, focusing on areas like farmland consolidation and smart agriculture [3] Group 3 - There is a need for improved assessment and incentive mechanisms within commercial financial institutions to drive resources towards rural infrastructure projects [3] - The integration of various resources, such as government financing platforms and rural credit guarantee institutions, is essential for risk-sharing and enhancing collateral mechanisms [3] - The overall goal is to facilitate the flow of financial resources into rural areas, supporting the broader objective of rural revitalization as part of China's modernization efforts [3]