展望"十五五"开局之年，在中央经济工作会议精神的指引下，银行业金融机构将围绕加力支持中小 微企业，进一步提升金融服务质效。 业内专家普遍认为，金融支持中小微企业是稳定经济、保障就业、激发创新的关键。通过缓解融资 难题，引导资源流向实体经济，增强市场韧性与发展动力，对推动高质量发展和社会稳定具有重要意 义。 今年以来，以农业银行为代表的银行业金融机构坚持金融工作的政治性、人民性，运用中国人民银 行等金融管理部门提供的政策支持，持续深化普惠小微金融服务，以数字赋能业务提质增效，更好满足 普惠小微群体多样化金融需求，为经济社会高质量发展注入强劲动能。央行公布的最新数据显示，截至 今年11月末，普惠小微贷款余额为35.88万亿元，同比增长11.4%。 "增加支农支小再贷款额度3000亿元，与调降再贷款利率的政策形成协同效应，支持银行扩大对涉 农、小微和民营企业的贷款投放。"5月7日，中国人民银行行长潘功胜在国新办举行的新闻发布会上宣 布。 在新疆的边境村落，牧民凭借"惠农e贷"扩大了养殖规模，脸上露出舒心的笑容；在福建平潭，民 宿经营者手握贷款合同，憧憬着民宿扩建升级后的美好前景；在湖南长沙，一款快速响应科技型企业需 ...

Core Insights - The People's Bank of China Gansu Branch has implemented a moderately loose monetary policy and a series of measures to support agriculture and small enterprises, resulting in a significant increase in re-loan balances and small business loans [1][2] Group 1: Policy Implementation - The bank has optimized the management of re-loans for agriculture and small enterprises, establishing a comprehensive work mechanism for re-loan processes from entry to evaluation [2] - A special quota of 7.5 billion yuan has been allocated to support local characteristic industries and technology-driven small private enterprises [2] - Additional re-loan quotas of 2.76 billion yuan have been allocated for disaster relief efforts, enhancing credit support for agriculture, small enterprises, and post-disaster recovery [2] Group 2: Communication and Outreach - The bank has developed a multi-dimensional communication strategy to ensure the new re-loan policies effectively reach business entities [3] - Efforts include direct communication with local governments and financial institutions, as well as creating educational materials to facilitate understanding of the re-loan policies [3] Group 3: Innovation and Efficiency - The bank has encouraged financial institutions to innovate in their use of re-loans, leading to the issuance of over 33 billion yuan in loans for specialized industries and technology-driven small enterprises [4] - New financial products have been developed to address the financing challenges faced by small businesses, such as the "Lanzhou Bank's Low-Cost Fund Pool" [4] Group 4: Process Optimization - The bank has streamlined the re-loan application and approval process, reducing the number of required documents by six for each transaction [5] - The online transaction system for re-loans was launched, facilitating the first batch of online transactions amounting to 1.53 billion yuan on the day of the system's launch [5] - The Gansu branch aims to enhance the scale of fund allocation, service coverage, and policy implementation effectiveness through continuous improvements and innovations [5]