Group 1 - The core viewpoint of the articles highlights the increasing support for college graduates in entrepreneurship through enhanced government-backed loan programs, aimed at reducing financial barriers and boosting confidence in starting new businesses [1][2][3][4][5] - Various regions are implementing policies to optimize the entrepreneurial guarantee loan mechanism, with specific measures to lower application thresholds and expand the scope of eligible borrowers [3][4][6] - The entrepreneurial guarantee loan program is characterized by government backing, which significantly reduces the financial burden on entrepreneurs, with interest rates often capped below market levels due to fiscal subsidies [9][10] Group 2 - In Anhui Province, the loan amount for returning graduates has increased from 100,000 yuan to 500,000 yuan, demonstrating a significant enhancement in financial support for this demographic [2] - As of June 29, Hunan Province has issued a total of 3.177 billion yuan in entrepreneurial guarantee loans, benefiting 7,301 entrepreneurs and creating approximately 56,000 jobs [3] - The implementation of the entrepreneurial guarantee loan program is being actively promoted by banks, with institutions like Shanghai's banks collaborating with local employment centers to facilitate access to these loans [8][10] Group 3 - The entrepreneurial guarantee loan program is seen as a vital tool for stabilizing employment and promoting economic development, with banks increasingly engaging in partnerships with government entities to support this initiative [6][7] - The program's structure allows for flexible loan terms and conditions, including higher loan limits for partnerships and exemptions from collateral requirements for certain projects [3][4] - The financial support provided through these loans is crucial for addressing the funding challenges faced by small and micro enterprises, particularly in the context of the current economic environment [2][9]

"这笔资金的到账，就像是'及时雨'，我的小作坊可以顺利实现转型升级了！未来发展一定会越来越 好！"张金启对记者说。 "在聊城农商银行办理贷款，不光服务贴心、政策优惠，办理速度还特别快。真是太方便啦！"聊城市东 昌府区侯营运通机械配件加工厂负责人张金启对《农村金融时报》记者表示，他对农商银行的服务非常 满意。 张金启凭借在外多年积累的机械加工方面的技术经验，于2023年返乡创业，创办了机械配件加工厂，主 要为周边机械制造企业提供零部件加工服务。由于其技术精湛、信誉良好，赢得越来越多企业的认可， 订单随之大幅增加。面对竞争日益激烈的市场环境，张金启近期决定升级机器设备，打算从产品质量和 工作效率两方面入手，逐步将原来的小作坊转型为现代化企业。然而，资金短缺令他陷入两难境地，一 时不知如何是好。 聊城农商银行侯营支行的"红马甲服务队"在开展"赢在周末"进村入户宣传活动时，得知张金启的困境和 资金需求后，迅速作出响应。 该行客户经理与张金启进行了深入沟通，详细了解了加工厂当前的经营状况、财务情况以及未来发展规 划，结合实际，为其匹配创业担保贷款产品，还创新流程，通过"线上预审+线下核验"模式，将传统的 贷款审批流程大 ...

■本报记者曹沛原 桂林山水甲天下，阳朔风光甲桂林。随着暑期旅游旺季来临，阳朔县即将迎来客流高峰。广西阳朔农商 银行作为立足"三农"、服务县域和文旅产业的金融主力军，如何把握机遇、创新服务，为文旅产业高质 量发展注入金融活水？近日，《农村金融时报》记者就有关话题与阳朔农商银行党委书记、董事长文岐 军进行了访谈。 记者：暑期旺季将至，贵行是否针对文旅企业推出季节性专项支持政策？ 记者：在支持康养田园综合体、沉浸式农事体验等新业态项目建设中，是否有创新担保方式？ 文岐军：针对文旅产业新业态轻资产、重创意、评估难的特点，阳朔农商银行积极探索创新担保方式， 引入风险补偿机制，积极与相关部门合作，推出创业担保贷款，对包括文旅行业在内的创业人群给予财 政贴息支持，从而降低银行风险顾虑。截至5月末，阳朔农商银行已成功发放47笔金额1100万元创业担 保贷款，助力创业群体经营特色餐饮、休闲农业观光，赋能文旅市场繁荣发展。 记者：文旅项目普遍存在"前期投入大、回报周期长"特点，贵行如何破解融资难题，并优化风险评估模 型？ 文岐军：阳朔农商银行创新融资模式，根据项目实际现金流情况，合理设置项目贷款期限，贷款项目年 限最长可至8年， ...

面对100多公里边境线与数十万边民发展需求，广西靖西市依托龙邦口岸国际枢纽与边民互市政策红 利，加速"通道经济"向"口岸经济"升级。 在此过程中，广西靖西农商银行以"信贷+结算+普惠"三位一体服务模式，通过创新金融产品精准赋能 加工企业、边贸合作社及个体边民。 双轮驱动 护航口岸经济发展 依托沿边地区资源优势，靖西市大力发展加工产业。"近年来，我行紧扣边民互市贸易加工企业金融需 求，通过'信贷+结算'双轮驱动，充分整合资源，全面支持边境地区经济发展。"靖西农商银行党委副书 记、行长王治建表示。 同时，为做好结算服务工作、打通客户资金流转堵点，靖西农商银行为边民、合作社等提供"边民贷 +边贸结算专户"边民互市贸易结算模式，覆盖互市贸易全链条资金管理，最大程度地保障资金安全， 并优化跨境人民币结算，缩短资金到账时间、提高效率。截至今年5月末，该行边贸结算量达4866.25万 元，较去年同期增长4261.57万元。 落实政策 铸就富民强村"共同体" 靖西农商银行积极响应国家稳就业政策号召，深入落实"创业担保贷款"惠民工程，通过优化服务流程、 强化政银联动，实现"政策宣传-需求匹配-贷款落地"闭环，护航小微企业发展， ...

Group 1 - The "Fumin Entrepreneurship Guarantee Loan" program has been upgraded to support all urban and rural entrepreneurs, including those with non-local household registrations, with personal loan limits up to 500,000 yuan and small micro-enterprises eligible for up to 3 million yuan [2] - The loan interest rate is capped at LPR + 50 basis points, with the city finance department providing a 50% interest subsidy for eligible applicants, and the number of loans and subsidies has been expanded to three times [2] - The program aims to lower financing barriers by introducing government-backed financing guarantee institutions, which cover guarantee fees and eliminate the need for borrowers to find guarantors or collateral [2][3] Group 2 - The program has established a "green channel" for university students and entrepreneurial parks, allowing eligible candidates to bypass counter-guarantee procedures upon recommendation [3] - It explores an integrated approach to entrepreneurship services, providing project investment support and financial loan credit for quality entrepreneurial projects, along with related subsidies from the "Ningju" policy system [3] - The collaboration with financial institutions has expanded to include seven banks, with over 200 service points established across the city, enhancing accessibility for entrepreneurs to apply online [2]

本报讯(记者黄红芳)"从提交材料到完成放款仅花了3天，而且免担保。"85后创业者王强近日成功从溧 水农村商业银行孔镇支行获得15万元贷款。创业刚满两年，王强的公司上半年陷入经营困难，南京市人 社局、市财政局今年创新升级推出的富民创业担保贷款，让他重拾信心。 富民创业担保贷款采用政府扶持、银行供血、担保增信的三方共同参与、共担风险合作新模式，将全体 城乡创业者，包括在宁创业的外地户籍人员全部纳入申请范围，个人贷款额度最高达50万元。小微企业 贷款前一年招用重点群体就业人数达到在职人数10%即可申请，贷款额度最高300万元。贷款利率控制 在LPR+50BP以内，符合条件的由市财政按贷款实际利率给予50%贴息，贷款及贴息次数放宽至3次。 南京在全市铺设超过200家经办网点，与中国银行、中国农业银行等7家金融机构合作，连同各级人社部 门服务平台，同时依托"江苏省人社网办大厅""江苏智慧人社"APP开通线上全流程申请，对贷款结清后 贴息实行"免申即享"。同时，对60家高校和创业园区开通大学生贷款绿色通道，对优质创业项目一站式 提供项目投资资助和金融贷款授信，实现政策驱动最大化落地见效。 南京引入南京紫金融资担保有限责任 ...

Group 1 - The central government has allocated special transfer payment funds to support the development of inclusive finance, significantly reducing the comprehensive financing costs for small and micro enterprises and alleviating their financing difficulties [1][2] - The entrepreneurship guarantee loan policy has been implemented to provide interest subsidies for loans applied by key employment groups and small micro enterprises, with the maximum loan limits set at 300,000 yuan for small enterprises and 20,000 yuan for individuals [2][3] - As of October 1, 2023, the maximum loan limits for personal entrepreneurship guarantee loans have been increased to 30,000 yuan and for small micro enterprises to 400,000 yuan, alongside a 50% interest subsidy [3] Group 2 - The Ministry of Finance has announced a list of 90 regions, including cities like Yangzhou and Shenzhen, that will receive central financial support for the development of inclusive finance demonstration zones by providing performance-based subsidies [4][5] - Financial institutions in these demonstration zones are encouraged to innovate financial products and services, enhancing mechanisms for risk compensation and information sharing to promote inclusive finance [4][5] - The performance-based subsidy distribution is structured into three tiers, with varying amounts allocated to different regions based on their performance rankings [5][6] Group 3 - The central government has provided targeted fee subsidies to rural financial institutions to enhance their services, particularly for small credit loans to farmers [9] - Eligible rural financial institutions must meet specific criteria, including a year-on-year increase in the average balance of small credit loans to farmers and a minimum loan-to-deposit ratio [9] - For example, in Ordos City, the implementation of targeted fee subsidies led to a significant increase in small credit loans, with a year-on-year growth of 9.8 times in 2024 [9] Group 4 - The use of fiscal funds for inclusive finance has alleviated the risk concerns of financial institutions when lending to small micro enterprises and key employment groups, while also lowering the barriers for these groups to access credit [10] - The collaboration between fiscal and monetary policies has enhanced the accessibility and inclusiveness of financial services, empowering financial institutions to better serve the market [10]

走在广州街头，九江银行广州分行正以一系列接地气的金融服务实招，悄然改变着街坊们的消费体验。 无论是创业者、农户，还是银发族、"后生仔"，都能在这里找到量身定制的金融支持。 九江银行广州分行不仅用创业担保贷款为追梦者"撑腰"，更用贴心的涉农贷款让小盆栽更俏；为老人打 开智能支付"无障碍通道"，为年轻人奉上五折奶茶、满减观影惊喜，在加油站为车主省钱……九江银行 正用金融活水精准浇灌日常消费的每一处沃土，让消费升级更轻松，让城市温度在每一次便捷支付中传 递。 九江银行广州分行工作人员深入乡村一线，探索金融助农、激活消费新路径。 深挖本土特色，精准支持就业创收 生态共建共赢，支付满减实惠融入日常 在广州打拼的创业者，正迎来九江银行广州分行伸出的"援手"——该分行运用广州市普惠贷款风险补偿 机制政策，不断强化普惠金融产品服务体系，切实增强对普惠小微市场主体的支持力度。该行聚焦小产 业、小行业、小商圈、小场景，用创新产品编织服务网络，以高效服务搭建发展桥梁，为中小微企业和 个体工商户送去源源不断的金融"活水"。截至2025年5月末，该行普惠小微贷款余额55.03亿元，为区域 经济高质量发展注入金融动能。 九江银行的消费服 ...

Group 1 - The article highlights the proactive measures taken by Luzhou Bank to support local enterprises through targeted entrepreneurship guarantee loans, totaling 13 million yuan, aimed at stabilizing employment and production [1] - Luzhou Bank has established a green approval channel and leveraged interest subsidy policies to facilitate rapid loan disbursement to key enterprises [1] - The loans provided by Luzhou Bank serve as a solid backing for companies to maintain production capacity and safeguard jobs [1] Group 2 - A local new materials production company, a leader in the alkali-free glass ball industry, received a 4 million yuan entrepreneurship guarantee loan from Luzhou Bank, which ensured the continuous operation of its production line and stabilized employment for over 100 employees [2] - Another specialized small and medium-sized enterprise, which has gained certification for its railway products, utilized a 4 million yuan loan to alleviate cash flow pressure and enhance R&D and production capabilities, thereby securing jobs for over 50 employees [3] - An automotive sales service company, transitioning to car rental and real estate leasing, received a 5 million yuan loan to renovate its service park, which helped stabilize its team and improve service efficiency during its transformation [4] Group 3 - Luzhou Bank's entrepreneurship guarantee loan policy not only alleviates short-term financial pressures for enterprises but also strengthens their long-term development resilience [4] - The bank plans to continue deepening the application of these policies to inject more support into small and micro enterprises in the future [4]

为更好满足消费领域金融服务需求，6月24日，《关于金融支持提振和扩大消费的指导意见》（以下简 称《意见》）对外公布。 《意见》由中国人民银行、国家发展改革委、财政部、商务部、金融监管总局、中国证监会等六部门联 合印发，从支持增强消费能力、扩大消费领域金融供给、挖掘释放居民消费潜力、促进提升消费供给效 能、优化消费环境和政策支撑保障等六个方面提出19项重点举措，引导金融机构从消费供给和需求两端 强化金融服务，满足各类主体多样化融资需求，推动扩大高质量消费供给，助力释放消费增长潜能。 深入实施创业担保贷款政策，创新家庭财富管理金融产品 重点支持商品消费、服务消费和新型消费 提振消费既是当前扩内需、稳增长的重要抓手，也是中长期转变经济发展方式的重大举措。 "中办、国办印发的《提振消费专项行动方案》聚焦商品消费、服务消费、新型消费等重点领域，精准 发力激活市场潜力。"招联首席研究员、上海金融与发展实验室副主任董希淼表示，当前我国商品消费 需求旺盛，在以旧换新政策推动下，耐用品消费显著增长；服务消费发展空间相对较大，2024年我国居 民服务消费占GDP比重为18%，而发达国家一般在40%以上；此外，随着居民人均可支配收 ...