最近，央行召开了今年第三季度货币政策委员会例会，总结了前三季度货币政策实施成效，分析了 国内外经济金融形势，研究了下一阶段货币政策的主要思路。会议建议加强货币政策调控，提高其前瞻 性、针对性和有效性。特别是，会议提出要持续做好支持民营经济发展壮大的金融服务，充分发挥支持 小微企业融资协调工作机制的作用，进一步打通中小微企业融资的堵点和卡点。 央行提出持续做好支持民营经济发展壮大的金融服务，指明了方向，也为金融业"打气壮胆"。接下 来的关键在于如何找准金融服务的"突破口"。这需要金融业聚精会神、集思广益，充分发挥金融服务工 作的主观能动性，消除墨守成规的倾向，勇于大胆创新，才有可能突破金融服务的"瓶颈"，探索出持续 支持民营经济发展壮大的"新路子"。从当前我国金融业服务现状来看，笔者认为，应从多维度予以突 破： 首先，要在融资渠道拓展上有所突破，及时有效地拓宽民营经济的融资来源。目前来看，金融机构 应尽最大可能提高信贷支持能力，降低信贷门槛，扩大信贷规模，以满足民营企业合理且有效的融资需 求。银行业金融机构应确定支持民营企业的信贷政策抓手，制定年度信贷服务目标，并将民营企业相关 业务纳入绩效考核体系，提高民营企 ...

"信易贷"是泗阳农商银行为破解小微企业融资难、担保难问题创新推出的纯信用贷款产品，重点支持符 合产业转型升级方向、具备良好市场前景或社会效益的小微企业。该产品通过综合评估客户日均存款、 纳税销售额、有效净资产等多维度数据核定授信额度，最高可达500万元，具有"免抵押、审批快、额度 活"的特点，尤其适合租赁厂房、缺乏有效抵押资产但经营稳定的小微企业。 日前，泗阳农商银行成功向宿迁兴驰轴承科技有限公司发放首笔"信易贷"，有效缓解了企业流动资金压 力。 宿迁兴驰轴承科技有限公司是泗阳县李口镇乡村振兴产业园的招商引资企业，专注于轴承生产制造与精 密部件研发，产品销往美的、格力等知名企业。去年9月投产后，企业订单量持续增长，车间满负荷运 转，预计年销售额可达1500万元。然而，随着生产规模扩大，原材料采购资金压力骤增，但因企业无自 有厂房，传统融资渠道受限。泗阳农商银行李口支行在走访中了解到企业需求后，迅速对接，根据其日 均存款等情况新增150万元纯信用授信，并于第二个工作日放款到位，及时缓解了企业燃眉之急。"从申 请到放款，流程高效便捷，还免去了抵押担保的麻烦。"企业法人陈从豹表示，"除了贷款，我们的资金 结算、工资 ...

Group 1 - The core focus of Baotou's economic development is optimizing the business environment to promote healthy economic and social growth through various measures such as major project construction and service optimization [1][2][3] - Baotou has established a monitoring platform for major projects, achieving an investment completion rate of 82.5% with 650 projects totaling 209.55 billion yuan completed by August 2025 [1] - The city has implemented a "Three in Two Find" initiative to assist local enterprises, particularly in the crystalline silicon photovoltaic, wind power, and energy storage sectors, facilitating connections with target companies [2] Group 2 - The city has streamlined the approval process for enterprises, reducing project approval times significantly, with some processes cut from 30 working days to just 3 [3] - Baotou is committed to creating a fair market environment by implementing a negative list for market access, allowing equal entry for various market entities [3][4] - A social credit system has been established to promote compliance and trustworthiness in business practices, with 1,417 contract performance records collected to date [4]

Group 1 - The State Council has approved a two-year pilot program for market-oriented allocation of factors in ten cities, including Changsha, Zhuzhou, and Xiangtan, aiming to break down barriers to factor flow and empower high-quality regional development [1][6] - The pilot will focus on seven dimensions of reform, including optimizing innovation resource allocation and efficient transformation of scientific and technological achievements [2][6] Group 2 - Land reform will prioritize the protection of arable land while promoting flexible land supply models, such as "rent first, then let" and "standard land + commitment system" [3] - Human resource reforms will include relaxed household registration policies and a talent sharing incentive system to attract high-level talent [3] Group 3 - The data factor market will be explored, with initiatives for public data management and prioritizing the opening of high-value datasets [4] - Capital factor reforms will focus on meeting the needs of the real economy, promoting credit loan innovations, and enhancing financial services for small and medium enterprises [4] Group 4 - Green development reforms will enhance resource and environmental factor management, including the establishment of a market for pollution rights and water rights [5] - The pilot program aims to create replicable and scalable experiences for national factor market-oriented allocation reforms, contributing to the "Changsha-Zhuzhou-Xiangtan" model [6]

山东出台13条针对性措施推动建筑业高质量发展 困扰建筑业企业的这些"痛点"有解了 近日，我省发布加力稳经济一揽子新政，专门针对建筑业出台《关于推动建筑业高质量发展助力经 济稳增长的工作方案》。在统筹分析我省建筑业运行现状的基础上，《工作方案》提出6个方面13条针 对性措施。 破除市场壁垒 让民企"够得着、有机会" 民营建筑业企业是山东建筑业的重要力量。今年上半年，全省民营建筑业企业贡献了73%的就业岗 位和59%的产值。 省住房城乡建设厅副厅长王润晓表示，支持民营建筑业企业健康发展，既是激发市场活力的必然要 求，也是增强行业发展后劲的关键举措。尽管民营建筑业企业发展势头稳健，但在实际经营中，一 些"隐形门槛"仍制约其发展空间。 "对我们民企来说，公平竞争的市场环境至关重要。"山东省建设建工（集团）有限责任公司副董事 长李继念坦言，作为济南最大的民营建筑业企业，面临行业下行压力以及市场"内卷式"竞争的加剧，企 业经营压力倍增。 《工作方案》明确提出，将着力提升服务民营建筑业企业质效，重点为民营建筑业发展破除市场壁 垒，打造公平竞争的市场环境。王润晓介绍，一方面，要加快全国统一大市场建设，全力支持民营建筑 业企业 ...

Core Viewpoint - The article emphasizes the commitment of Heshun Rural Commercial Bank to support rural revitalization and economic development through tailored credit services, fostering trust and long-term relationships with clients [1]. Group 1: Support for Agriculture - Heshun Rural Commercial Bank's customer managers actively engage with rural clients, providing credit services directly to farmers' homes through products like "Huinong Tong" and "Jinniu Loan," addressing funding challenges in agricultural production [4]. - The bank offers competitive interest rates and streamlined processes to facilitate agricultural modernization, supporting various initiatives from purchasing machinery to expanding livestock operations [4]. - Customer managers also serve as financial advisors and information bridges, transitioning from merely providing funds to empowering farmers with financial literacy [4]. Group 2: Empowering Small Businesses - To meet the financing needs of individual businesses, Heshun Rural Commercial Bank has introduced products like "Xingshang Tong" and "Tobacco Loan," establishing a green credit channel [6]. - The bank simplifies approval processes and enhances loan disbursement efficiency, helping small businesses like restaurants and clothing stores overcome capital shortages [6]. - Regular visits by customer managers to local business districts allow for tailored financing solutions, ensuring that small shops have opportunities for growth [6]. Group 3: Supporting SMEs - Heshun Rural Commercial Bank has developed specialized products such as "Xinyi Loan" and "Xinglv Loan" for small and medium-sized enterprises (SMEs), focusing on increasing credit limits and extending loan terms [9]. - The bank provides comprehensive financial services, including settlement, investment, and consulting, to assist SMEs at various growth stages [9]. - Customer managers offer personalized services to enterprises in industrial parks, addressing both funding needs and broader business challenges [9]. Group 4: Overall Commitment - Heshun Rural Commercial Bank's dedication to serving agriculture, small businesses, and SMEs reflects its mission to be a reliable financial partner, fostering dreams and supporting community growth [1][4][6][9]. - The bank's ongoing efforts to build trust and provide financial support are likened to a bridge connecting aspirations with reality, reinforcing its role in the local economy [1].

Core Viewpoint - The financing challenges faced by small and micro enterprises in China are a long-standing concern, but recent government policies have increased support, leading to significant growth in inclusive finance for these businesses [1][3]. Group 1: Financing Growth and Structure - As of February 2025, the balance of inclusive loans for small and micro enterprises reached 33.9 trillion yuan, with a year-on-year growth rate of 12.6%, surpassing the overall loan growth by 5.7 percentage points [3]. - The balance of credit loans reached 9.4 trillion yuan, with a year-on-year growth of 25.8%, and credit loans now account for 27.6% of inclusive loans, an increase of 2.9 percentage points from the previous year [3]. Group 2: Challenges in Credit Assessment - Small and micro enterprises often lack standardized financial reporting, making it difficult to collect and integrate data from various operational aspects [4]. - Traditional credit assessment models rely heavily on strong collateral and static financial data, which do not adequately reflect the dynamic and flexible nature of small and micro enterprises [6]. Group 3: Innovations in Credit Evaluation - Recent efforts by relevant departments and banks have focused on improving credit assessment for small and micro enterprises by increasing the dimensions of evaluation, addressing the information asymmetry between banks and enterprises [8]. - The use of big data, machine learning, and artificial intelligence has enabled financial institutions to create more comprehensive and accurate credit profiles for small and micro enterprises, enhancing the efficiency of the credit approval process [8]. Group 4: Successful Initiatives - The "Silver Tax Interaction" initiative allows small and micro enterprises with good tax credit ratings to convert their tax credit into financing credit, improving their access to loans and reducing banks' risk management costs [10]. - The "Credit Easy Loan" platform integrates various credit information sources, facilitating easier access for financial institutions to obtain multi-dimensional credit data, thus supporting the development of pure credit and rapid approval financing products [10]. Group 5: Future Outlook - The deep application of digital credit technologies is reshaping the financing ecosystem for small and micro enterprises, leading to improved approval efficiency and reduced risk management costs for financial institutions [10]. - As technology advances and data value is fully realized, the credit profiles of small and micro enterprises will become clearer, injecting vitality into their innovative aspirations and laying a solid foundation for high-quality economic development in China [10].

在当前经济复苏与产业转型并行的背景下，中小微企业作为推动中国经济活力与创新力的重要组成，面 临的"融资难、融资贵"问题依然严峻。相比传统金融机构，集团企业财务公司凭借贴近产业、嵌入场 景、信息对称等独特优势，正逐步成为集团企业支持中小微企业、畅通产业链资金循环的重要金融抓 手。 记者近期走访了海尔、海信、山东港口等多家大型企业集团旗下财务公司，发现它们在服务集团主业的 同时，通过创新金融工具和服务模式，将金融资源精准输送至产业链末端，为中小微企业注入"活水"。 靠前服务为企降本纾困 "传统银行服务链条长、授信标准高、审批周期慢，中小微企业往往在最需要资金时得不到及时响 应。"海尔财务公司相关负责人坦言。而作为"产业中最懂金融、金融中最懂产业"的集团内部金融平 台，财务公司在这一过程中发挥着不可替代的作用。 雨后初霁，青岛胶州湾海天一色。记者一行驱车抵达位于胶州的海尔多联机互联工厂，走近厂区，只见 一对身着短裤的"海尔兄弟"人偶立于门前，热情地向远道而来的访客挥手致意；步入厂区，高大敞亮的 厂房内机器轰鸣、井然有序，一派繁忙景象。据介绍，该工厂自动化率已达60%，核心部件实现100% 自主制造，具备快速响应个性 ...

Core Viewpoint - The event aimed to address the financing challenges faced by local businesses and individual entrepreneurs by providing tailored financial services and promoting inclusive financial policies [1][3]. Group 1: Event Overview - The "Credit + Finance" policy seminar was held on July 3, organized by the Jintai District Market Supervision Administration [1]. - The seminar gathered various stakeholders including the district market regulation bureau, development and reform bureau, municipal credit loan platform, local government, and multiple financial institutions [3]. Group 2: Financial Services Offered - Jintai Rural Commercial Bank's Panlong branch introduced specialized credit products for small and micro enterprises, such as "Qin Zengxin," "Qin e Loan," and "Small Credit Loans for Farmers," which are characterized by low interest rates and convenience [5]. - The branch provided one-on-one financial services, helping businesses navigate the loan application process and match them with suitable financing solutions [5]. Group 3: Engagement and Follow-up - Over 50 market entities participated in the seminar, allowing the Panlong branch to collect financing needs directly from businesses [5]. - The bank plans to enhance collaboration with government and enterprises, regularly conducting financial knowledge dissemination and financing connection activities to support the high-quality development of the local economy [5].

Group 1 - The first emergency renewal loan business in Hainan has been officially launched, with over 300,000 yuan issued to a farmer for loan repayment [1] - The emergency renewal loan fund pool aims to support the development of small and micro enterprises, alleviate short-term cash flow pressures, and reduce financing costs [1] - The fund pool is established by state-owned enterprises and managed by Hainan Small and Micro Enterprise Loan Service Company, with a single loan limit of up to 5 million yuan [1] Group 2 - The "Xinyi Loan" platform is being utilized to optimize the financing environment for small and micro enterprises, providing one-stop services such as credit financing and quick approval [2] - Hainan Rural Commercial Bank is the first cooperative bank for the emergency renewal loan business, with plans to expand partnerships with other banks to address renewal loan challenges [2]