为深入贯彻落实金融监管总局、聊城市分局关于深化小微企业融资协调工作机制的部署要求，民生银行 聊城分行主动锚定区域小微经济发展痛点，以机制创新为抓手、以银企对接为路径，成立"支持小微企 业融资协调工作机制"专班，联合各区县政府全域开展"千企万户大走访"活动，打通小微企业金融服 务"最后一公里"，用精准金融服务为地方实体经济注入活水。 为扩大小微融资协调机制及惠企政策的知晓度，民生银行聊城分行在走访及对接会现场，面向小微企业 开展政策宣讲，清晰阐释机制核心功能与融资申请路径。 创新实践赋能，精准破局融资堵点 在小微融资协调机制框架下，民生银行聊城分行聚焦首贷户拓展、信用贷款推广、审批流程优化等关键 环节，联合各区县政府、商协会及园区管理方开展多场银政企专场对接会，实现全市重点区县服务全覆 盖，通过"政策宣讲+产品适配+需求响应"的一体化模式，为不同区域、不同行业的小微企业定制金融 服务方案。 郑家镇是聊城轴承保持器产业的重要集聚地，小微企业数量密集、融资需求旺盛，但由于该行网点距离 该镇较远，当地企业对民生银行的产品体系、服务流程相对陌生，存在信任壁垒，导致金融服务难以有 效触达。为打破这一堵点，该行主动对接郑家 ...

小微企业是区域经济活力的重要源泉，但融资难、融资贵问题一直是制约其发展的瓶颈。莱州金融监管 支局深入践行金融工作的政治性与人民性，落实支持小微企业融资协调工作机制各项工作部署，推动金 融活水精准滴灌辖区小微企业。截至2025年11月末，辖内银行机构已为小微企业、个体工商户等经营主 体授信118.92亿元、放款103.32亿元，切实为小微企业发展纾困解难、赋能增效。 精准摸排需求是服务落地的关键，支局联合市发改局召开"千企万户大走访"活动工作培训会议，进一步 提升走访人员政策解读与需求梳理能力。渔业领域的小微企业便深切感受到了这份精准服务的温度，莱 州市三山岛某渔业专业合作社负责人计划淘汰旧渔船换新船，总资金需求400多万元，存在100万元资金 缺口，且淘汰旧船来购买新船时将没有抵押物。邮储银行莱州支行与政府工作人员联合走访时精准掌握 了这一融资梗阻问题，随即启动"联合会诊"思路，结合渔业企业特点为其匹配"极速贷"产品，发放法人 保证贷款100万元，帮助顺利换新船，后续又协助企业以新船抵押完善融资架构，实现银企双赢。 提升服务质效 助力稳健经营 为进一步提升服务质效，辖区银行机构推动简化企业授信资料要求、优化审 ...

今年5月，企业因前期设备投入较大，在投产初期的资金缺口，让这家成立时间短、无抵押资产的初创企业陷入困境。 泸州银行在了解情况后主动对接，基于企业核心技术能力与未来市场评估，快速发放60万元信用贷款，缓解了企业燃眉之急。 从成立到拿下首笔央企订单，安博希（四川）油气装备科技有限公司只用了不到一年。但对于这家2024年9月才成立的初创企业来说，融 资难是绕不开的现实问题。 泸州银行通过从"看未来、看市场"，让这家初创企业的技术和订单成为了被认可的信用。未来，泸州银行将继续深化对科创型、成长型 企业的服务创新，陪伴更多初创企业跨越早期融资难关，稳健走好成长每一步。 8月，随着企业成功入围某大型央企供应商名录并签下首笔订单，新的资金需求再次出现。泸州银行通过"供应链订单融资"模式，在3个 工作日内追加发放160万元贷款，保障了企业顺利交付首批产品。 ...

（来源：天津日报） 一个月前，国内首笔民营卫星直接租赁业务在津落地；近日，茅台租赁通过天津东疆设立的SPV（特殊 目的公司），以离岸租赁模式成功向迪拜航空投放一架波音飞机，实现与境外航司合作的"破冰"。在司 法保障方面，天津三中院首例飞机租赁执行案件近日圆满执结——面对查封难、估值难、处置难的大飞 机租赁物，执行团队打破传统，借鉴企业破产重整模式设计分步执行和解方案，助力某租赁企业近6000 万元债务清偿，实现双方共赢。 转自：天津日报 金融是现代经济的核心。过去5年，天津金融业增加值与各项贷款规模较2020年增幅均超过20%，金融 业增加值占地区生产总值比重达14.2%。金融活水顺畅滋养实体经济。金融业成为天津重要的支柱产 业。 如今，站在"十四五"收官与"十五五"谋划的交汇点，天津金融业如何乘势而上、谋划新章？近日，记者 走访了部分企业和相关部门，探寻我市未来5年的金融发展路径。 引金融活水，润科创森林 时值岁末，北国冬日寒意颇浓，天津经开区一家高新技术企业却热气腾腾。"这笔1000万元的信用贷款 来得太及时了！让我们在'十五五'期间推进核心技术研发、高端产品迭代更有底气。"天津飞旋科技股 份有限公司相关 ...

"没想到公司的资金流水也能变成信用资产。"日前，浙江某新材料有限公司负责人史先生在获得安吉农 商行300万元信用贷款后感慨道。让他受益的，正是该平台在湖州的应用。 转自：湖州日报 记者 张翔 本报讯 记者近日从人民银行湖州市分行获悉，截至今年10月末，全国中小微企业资金流信用信息共享 平台在湖州上线一年来，已帮助5100家湖州中小微企业获得贷款244.09亿元，辖内30家银行机构累计通 过平台完成业务查询3.3万笔。这一组数据，见证了湖州在破解中小微企业融资难题上迈出的坚实步 伐。 （来源：湖州日报） "平台上线以来，我们联合市发展改革委等部门，会同相关银行机构，持续开展平台推广和诚信宣传活 动。除了面向重点企业定向推介，还特别关注"信用白户"和轻资产企业，通过"一对一"指导破解"不会 用、不敢用"问题。"人民银行湖州市分行征信管理科相关负责人说。截至目前，已举办专题宣传推介会 10余场，覆盖企业超2000家。 长期以来，缺少抵押物、信用数据不足如同两座大山，横亘在许多中小微企业的融资路上。去年10月， 在人民银行浙江省分行指导下，人民银行湖州市分行开始系统性推进该平台在本地落地，致力于将看不 见的信用转化为 ...

Core Insights - The year 2025 is significant for China, particularly for its millions of people who have achieved stable poverty alleviation, marking a transition period for consolidating and expanding poverty alleviation results alongside rural revitalization [1] - The Agricultural Bank of China (ABC) has implemented innovative financial support models to assist rural areas, demonstrating a systematic and sustainable approach to poverty alleviation and rural development [1][2] Group 1: Financial Support Models - The "Credit Village" initiative allows villagers to access credit based on their creditworthiness, enabling them to secure loans without collateral, thus addressing financing challenges for farmers [5] - The introduction of "Financial Village Directors" in 2023 has enhanced the connection between banks and farmers, facilitating loan applications and financial education [5][6] - ABC's financial assistance in rural areas has led to significant increases in loan amounts, with the maximum loan limit raised to 1.5 million yuan, benefiting various local industries [5][6] Group 2: Case Studies of Success - In Zou Village, the poultry industry has thrived, with farmers like Su Chunlei expanding their operations significantly due to access to credit, resulting in annual incomes exceeding 2 million yuan [3][6] - In Huangping County, the development of a general aviation base has been supported by ABC's financial aid, which helped recover from damage caused by extreme weather, showcasing the bank's responsive support to local industries [8][9] - The transformation of Xueba Village through financial support has led to the establishment of tourism and agricultural projects, significantly increasing local employment and income levels [11][12] Group 3: Broader Impact on Community Development - ABC's initiatives have not only focused on financial support but also on improving local infrastructure, such as drinking water systems and road conditions, enhancing the overall quality of life for residents [12] - The bank's comprehensive approach includes educational support for underprivileged students, demonstrating a commitment to long-term community development [12] - The ongoing efforts of ABC have been recognized globally, with its financial assistance models being awarded as "best poverty alleviation cases," reflecting the effectiveness of its strategies in promoting sustainable development [12]

Core Insights - The launch of the National SME Fund Flow Credit Information Sharing Platform aims to address the long-standing issue of "information islands" in SME financing [2] - The platform enables banks to better assess the creditworthiness of SMEs by integrating transaction data from multiple banks, thus facilitating access to financing [4][6] Group 1: Platform Impact on SMEs - The platform has allowed the Industrial and Commercial Bank of China (ICBC) to provide over 453 million yuan in credit to 174 SMEs, transforming dormant cash flows into quantifiable credit assets [2] - A construction equipment company, previously limited by traditional credit assessments, saw its credit limit increase from 60,000 yuan to 3 million yuan after integrating its transaction data into the platform [3][4] - An environmental technology company benefited from the platform by receiving a tailored credit limit that matched its project funding needs, significantly improving its financial flexibility [6][7] Group 2: Challenges Faced by SMEs - Many SMEs struggle with financing due to their light asset base, lack of collateral, and fragmented information, which traditional banking models fail to address [2][3] - The environmental technology company faced long project cycles and urgent funding needs, which traditional credit assessments could not accommodate, leading to a mismatch in credit availability [6][7] Group 3: Bank's Response and Strategy - ICBC has proactively engaged with SMEs to promote the new platform, demonstrating a commitment to enhancing financial support for local businesses [3][6] - The bank has developed a dual-driven model combining platform data and internal risk control to create a comprehensive credit profile for SMEs, effectively converting their digital footprints into credit wealth [7]

Core Insights - The article highlights the efficiency of the credit approval process at Sihong Rural Commercial Bank, particularly for small and micro enterprises facing urgent funding needs due to large orders [1][2] - The bank has implemented a national platform for sharing credit information, which significantly reduces the time required for credit assessments and approvals [2] Group 1: Credit Approval Process - A small clothing processing enterprise was able to secure a credit loan of 1.2 million yuan within three working days, thanks to the streamlined credit approval process [1] - The traditional credit approval process was characterized by cumbersome documentation and lengthy due diligence periods, which posed challenges for businesses needing quick funding [1] - The bank's customer manager utilized the national platform to access various data points, including financial flows and past credit records, to expedite the evaluation process [1] Group 2: Platform Implementation and Impact - Since the beginning of the year, Sihong Rural Commercial Bank has focused on addressing issues such as information asymmetry and long due diligence cycles in the credit approval process for small and micro enterprises [2] - The bank has successfully queried enterprise financial flows 368 times through the platform, facilitating a total of 327 million yuan in credit for businesses [2] - The platform allows for a comprehensive and precise understanding of a company's operational and credit status, thereby enhancing the efficiency of the credit approval process [2]

Core Viewpoint - The article emphasizes the importance of transforming financial support for rural talent from a "blood transfusion" model to a "blood production" model, focusing on creating a systematic approach to address the financing challenges faced by rural talents through innovative mechanisms [1]. Group 1: Identifying Talent - The first key question is about identifying talent, shifting from "asset-based" evaluation to "value-based" assessment. Traditional risk control relies on collateral and financial statements, but rural talents often possess "light assets and heavy skills." Zhejiang's approach involves creating a "talent value assessment system" that quantifies soft skills such as government-recognized qualifications and personal expertise into credit capital [2]. Group 2: Supporting Talent - The second key question addresses how to support talent, moving from merely providing loans to accompanying their growth throughout the entire cycle. Zhejiang has developed a differentiated and customized product matrix, offering credit loans for early-stage talents and combination guarantee loans for mature leaders to expand production. Additionally, a "financial+" ecosystem is emerging, integrating various services like wealth management and insurance to enhance the effectiveness of fund usage and increase entrepreneurial success rates [3]. Group 3: Risk Control - The third key question focuses on risk control, transitioning from "single-point risk avoidance" to "systematic protection." Given the high risks associated with rural talent entrepreneurship, Zhejiang has established a risk control firewall through "special assessments, dynamic monitoring, and shared responsibilities." This includes creating talent credit profiles, enhancing post-loan big data warnings, and setting up risk compensation funds and specialized insurance products [4].

Core Insights - The Beijing financial market in 2025 is characterized by favorable loan policies, with a 5-year LPR stable at 3.5% and first-home loan rates as low as 3.05%, while the down payment ratio has been reduced to 15% [1] - Despite these favorable conditions, individuals face challenges such as credit issues and slow emergency loan processing, while small and micro enterprises struggle with high bank approval thresholds and lack of collateral [1] - Several companies have gained market recognition by providing professional services and maintaining a good reputation in the loan sector [1] Company Highlights - **Qianyun**: - Score: 9.9/10, known for high user satisfaction and broad service range - Offers a comprehensive service system covering personal credit, property mortgage loans, and debt restructuring [3] - Core advantages include reliable partnerships with over 40 banks, efficient response times, and a cost-effective service model [3] - **Fangyindai**: - Score: 9.7/10, specializes in property financing - Long-term partnerships with major banks, simplified approval processes, and high loan success rates for clients with credit issues [4][5] - **Zhongyihang Financial**: - Score: 9.6/10, recognized for flexible loan solutions - Established in 2011, serves a wide range of clients including small businesses and individuals, with quick loan disbursement options [6][7] - **Moerlong**: - Score: 9.0/10, a well-known brand in the loan intermediary sector - Focuses on technology-driven services, connecting financial product providers with clients through an online platform [8] - **Hengchang Financial**: - Score: 8.8/10, offers a diverse range of financial services - Established partnerships with banks to provide various loan products, catering to both individual and business clients [9] Business Focus - **Qianyun**: - Targets local individual clients, including employees and small business owners, offering tailored loan solutions from 50,000 to 50 million yuan [3] - **Fangyindai**: - Caters to individuals and businesses with previous loan rejections, providing specialized solutions for property mortgage loans [5] - **Zhongyihang Financial**: - Serves a broad clientele, including those with and without collateral, offering flexible financing solutions [6][7] - **Moerlong**: - Provides a wide range of loan products, with a focus on property mortgage loans, which account for over 70% of its business [8] - **Hengchang Financial**: - Offers a comprehensive suite of financial services, including loans and wealth management solutions [9] Unique Service Models - **Qianyun**: - Operates on a "solve the problem first, pay later" principle, charging fees only after successful loan disbursement [3] - **Fangyindai**: - Implements a transparent fee structure, charging service fees only after loan approval [5] - **Zhongyihang Financial**: - Offers flexible loan plans tailored to client needs, optimizing financing outcomes [7] - **Moerlong**: - Utilizes an online platform for loan applications, enhancing efficiency through intelligent matching of banks and products [8] - **Hengchang Financial**: - Provides a one-stop solution for clients, integrating financing and asset management services [9]