在科创领域，"科创E贷""兴陇知识产权贷"等产品为企业提供快速授信服务。全市累计指导56家企业通 过专利质押获得融资3.14亿元。 政府性融资担保作用持续强化。甘肃金控张掖担保公司今年1至10月为277户经营主体提供担保8.39亿 元。 目前，张掖市已逐步形成产业链闭环服务、生态价值金融化等特色模式。截至2025年10月，全市小微企 业贷款余额达512.45亿元，同比增长7.03%，有效激发了经营主体活力。下一步，张掖市将持续丰富金 融产品、优化服务流程，推动金融活水更好滋养小微企业，为地方经济高质量发展注入强劲动力。 中国发展网讯 记者王斌报道 甘肃张掖市聚焦小微企业融资痛点，积极构建多元融资服务体系，推动金 融活水精准滴灌，有效助力企业发展。 依托银税互动机制，张掖市将企业纳税信用转化为融资资本，推出全流程线上融资产品。税务部门开 展"一对一"辅导，帮助企业以纳税信用换取贷款，最快可实现3小时完成放款。截至目前，全市累计助 力3817户中小微企业获得"银税互动"贷款16.87亿元。 围绕地方产业特色，张掖市推动金融机构定制多款创新融资产品。在供应链保障领域，兰州银行通过中 征平台为山丹县公立医院上游药业供 ...

Core Insights - Gansu Province's Wuwei City is innovating in inclusive finance, with a focus on supporting rural economic development through various financial policies and mechanisms [1][2][3] Group 1: Financial Development Initiatives - The People's Bank of China in Wuwei has implemented a combination of policies including "re-loans + loan interest subsidies + fund rewards + risk compensation" to enhance inclusive finance [1] - As of July, the total loan balance in Gulang County reached 15.012 billion, a year-on-year increase of 10.22%, with inclusive micro-loans at 1.931 billion, up 12.43% [1] - The Gulang Rural Commercial Bank's re-loan balance for supporting agriculture and small enterprises reached 251 million, 2.1 times its original credit limit, benefiting market entities with a total of 7.16 million in savings this year [2] Group 2: Policy Support and Implementation - A comprehensive implementation plan for high-quality development of inclusive finance was jointly developed by the People's Bank of China and multiple departments, focusing on enhancing credit supply and reducing costs [2] - Gulang County has issued 330 million in industry reward funds since 2022, and in 2024, it initiated fresh milk price insurance, providing 14.26 million in insurance claims to support farmers [3] Group 3: Agricultural and Livestock Industry Support - The financial support has significantly bolstered the livestock industry, with loans for the sheep and cattle breeding sector reaching 3.834 billion, accounting for 25.54% of total loans [4] - Gulang Aomei Sheep Industry Co., Ltd. received a 4 million loan backed by 6,831 sheep, which not only resolved immediate funding issues but also engaged 150 local farmers in sheep breeding [4] Group 4: Financial Services and Accessibility - Financial institutions in Gulang County have launched various products like "Xinglong Entrepreneurship Loan" and "Micro Quick Loan," enhancing financing convenience for different industries [5][6] - The Agricultural Bank of Gulang County provided a 1 million loan to a local plastic products company by using electricity bill data as collateral, showcasing innovative financing solutions [6]

Core Viewpoint - The financial support and policies implemented in Jishishan County, Gansu Province, have significantly aided in the recovery and rebuilding efforts following the 6.2 magnitude earthquake on December 18, 2023, helping local residents restore their homes and revitalize local industries [1][2][3]. Financial Support for Housing Reconstruction - The People's Bank of China (PBOC) in Linxia Prefecture has guided financial institutions to focus on post-disaster recovery and industrial revitalization, resulting in an increase of 3.564 billion yuan in loans by June, a growth of 73.59% compared to the end of 2023 [1]. - Financial institutions have issued a total of 5.7 billion yuan in loans to assist 17,000 affected households in rebuilding their homes [1]. - Specific loan products, such as the "5+N" loan model, have been utilized to provide financial assistance to individuals like Zhang Changlu, who received 50,000 yuan to rebuild his home [2][3]. Comprehensive Financial Policies - The PBOC and local government have introduced policies to support housing reconstruction, including a maximum of 50,000 yuan in five-year fully subsidized loans for households rebuilding on their original sites, and up to 100,000 yuan in ten-year fully subsidized loans for those purchasing new homes [3]. - Agricultural Bank of China has played a leading role in providing disaster recovery loans, disbursing 28.9 million yuan to benefit 2,907 affected families [3]. Support for Industrial Revitalization - Financial institutions have shifted focus to support local industries, launching specialized credit products to provide operational funds for affected residents [4]. - The PBOC organized a financial support meeting, resulting in 11 financial institutions signing credit agreements totaling 774 million yuan with 21 local enterprises [5]. - Various innovative loan products have been introduced, such as "Anti-Seismic Recovery Business Loan" and "Revitalization E-Loan," to meet the diverse financial needs of the disaster-affected population [6]. Enhanced Financial Services - Financial services have been extended to reduce the financing costs for disaster-affected individuals, including interest rate reductions and fee waivers [7][8]. - The PBOC has facilitated a reduction in existing loan interest rates by an average of 50 basis points, with new loan rates decreasing by nearly 100 basis points since the earthquake [8]. - Local banks have implemented mobile services to ensure that financial assistance reaches remote areas, enhancing accessibility for residents [8].

Core Insights - The financial support and policies implemented in Jishishan County have significantly aided in the recovery and rebuilding efforts following the 6.2 magnitude earthquake on December 18, 2023 [1][3][5] Financial Support for Housing Reconstruction - Financial institutions have actively provided loans to support housing reconstruction, with a total of 57 billion yuan in loans issued to assist 17,000 affected households [1] - The People's Bank of China (PBOC) and local financial institutions have introduced specific loan products, such as the "Disaster Housing Loan" and "Disaster Reconstruction Loan," to facilitate the rebuilding process [3] - By June, loans in Jishishan County increased by 35.64 billion yuan, representing a growth of 73.59% compared to the end of 2023 [1] Support for Industry Revitalization - Financial institutions have shifted focus to support the revitalization of local industries, providing tailored credit products to help restore the economic "self-sustaining" capabilities of the affected areas [4] - A total of 7.74 billion yuan in credit was signed between 11 financial institutions and 21 local enterprises to support industrial recovery [5] - The Agricultural Bank of China has issued 2.99 billion yuan in loans to support local livestock and catering businesses [5] Financial Services and Cost Reduction - Financial services have been enhanced to reduce the financing costs for disaster-affected individuals and businesses, including interest rate reductions and fee waivers [7][8] - The average interest rate on new loans has decreased by nearly 100 basis points compared to pre-earthquake levels, while existing loan rates have been reduced by an average of 50 basis points [8] - The PBOC has guided local financial institutions to implement measures such as waiving various fees associated with loan processing to alleviate the financial burden on affected parties [8]