Core Viewpoint - The article highlights the successful implementation of the financing coordination mechanism for small and micro enterprises in Zhejiang, showcasing innovative financing models and significant loan disbursements to address the financing difficulties faced by these businesses [1][2]. Group 1: Financing Coordination Mechanism - Since the launch of the financing coordination mechanism, Zhejiang has visited 4.13 million enterprises, with 982,000 included in the recommendation list, and 963,000 receiving credit support, totaling loan disbursements of 2.6 trillion yuan [2]. - As of May, the balance of inclusive loans for small and micro enterprises in Zhejiang reached 5.5 trillion yuan, ranking first in the country [2]. Group 2: Innovative Financing Models - The "Science and Technology Innovation Index" financing model and the "No Repayment Renewal Loan" have been introduced to provide new solutions for small and micro enterprises [2]. - The "Science and Technology Innovation Index" evaluates enterprises based on 11 indicators, allowing banks to assess and provide credit based on the innovation capabilities of the businesses [3]. Group 3: Data-Driven Financing Solutions - The "Zhejiang Silver Good Standard" evaluation system categorizes clients based on their social value contributions, enabling banks to provide tailored financing solutions, such as the "Inclusive Digital Loan" which was disbursed within 2 working days [8]. - The "Silver-Tax Interaction" model allows banks to assess enterprises based on tax compliance and operational stability, facilitating rapid loan approvals [9]. Group 4: Cost Reduction Measures - The introduction of the "No Repayment Renewal Loan" policy has significantly reduced financing costs for enterprises, allowing for the extension of existing loans without additional repayment burdens [10][11]. - The establishment of a marine economy financing coordination mechanism aims to support the high-quality development of the marine industry by addressing its unique financing challenges [10]. Group 5: Support for Startups - The financing coordination mechanism has enabled startups to receive credit support despite limited financial history, with one startup obtaining a credit limit of over 4.2 million yuan shortly after its establishment [12][13]. - The mechanism encourages banks to adopt a more flexible approach to lending, allowing for quicker access to funds for businesses in their early stages [14].

Core Viewpoint - The establishment of a financing coordination mechanism for small and micro enterprises aims to address the financing difficulties faced by technology-based small and micro enterprises, particularly those with light assets and lack of collateral [1][4]. Group 1: Financing Challenges - Technology-based small and micro enterprises often struggle to secure financing due to their "light asset" nature, which makes it difficult to provide traditional collateral such as land or property [2][3]. - These enterprises possess core patents and promising prospects but frequently encounter barriers in obtaining funding, leading to a situation where they have technology but lack capital [2][4]. - The traditional banking system primarily evaluates credit based on fixed assets, which does not adequately recognize the value of intangible assets like technology and patents [2][4]. Group 2: Mechanism Implementation - The new financing coordination mechanism promotes collaboration among government departments and financial institutions to break down information barriers and incorporate the "soft power" of enterprises into the credit assessment process [4][8]. - Innovative models such as "data credit enhancement," "technology credit enhancement," and "guarantee credit enhancement" have been introduced to support financing for technology-based enterprises [4][5]. - The mechanism facilitates the establishment of information-sharing channels, allowing banks to access critical data on enterprises' technological capabilities and market positions, thus improving credit evaluation accuracy [4][8]. Group 3: Innovative Financing Solutions - The "innovation points system" is a key innovation within the mechanism, allowing technology-based enterprises to obtain financing based on their innovation capabilities rather than traditional collateral [7][8]. - For example, a company with over 31 patents was able to secure a loan of 9 million within three days at a lower interest rate due to its high innovation score [7][8]. - The mechanism has led to the development of tailored financing solutions for enterprises that meet specific criteria, enabling them to access necessary funds more efficiently [8].

Core Viewpoint - The establishment of a financing coordination mechanism for small and micro enterprises aims to address the financing difficulties faced by technology-based small and micro enterprises, particularly those lacking traditional collateral [1][4]. Group 1: Mechanism Overview - The new mechanism, approved by the State Council, focuses on enhancing collaboration between central and local governments and financial institutions to facilitate direct and efficient access to credit for small and micro enterprises [1][4]. - It aims to break the traditional reliance on physical collateral by incorporating factors such as technological strength, industry position, and development prospects into the credit assessment system [1][4][9]. Group 2: Challenges Faced by Technology-Based SMEs - Technology-based small and micro enterprises often struggle to secure financing due to their "light asset" nature, which makes it difficult for banks to evaluate their intangible assets like patents and R&D capabilities [2][3]. - Many of these enterprises face a dilemma of having technology but lacking collateral, which restricts their ability to obtain necessary funding for growth and expansion [3][4]. Group 3: Innovations in Financing - The mechanism has led to the introduction of innovative models such as "data credit enhancement," "technology credit enhancement," and "guarantee credit enhancement," which collectively aim to support technology-based enterprises [4][5]. - The "innovation points system" has emerged as a significant innovation, allowing for the quantification of a company's innovation capabilities, thus enabling access to credit based on these metrics rather than traditional collateral [6][8]. Group 4: Success Stories and Impact - The implementation of the innovation points system has already benefited companies like Weifang Tianxin Radiator Co., which received a loan of 9 million within three days, significantly lower than conventional loan rates [6][8]. - Financial institutions are now able to create tailored financing solutions for technology-based enterprises, effectively transforming their technological value into a "financial passport" for credit access [9][10].

Core Viewpoint - The establishment of a financing coordination mechanism for small and micro enterprises aims to address the financing difficulties faced by technology-based small and micro enterprises, particularly those with "light assets and lack of collateral" [1][4]. Group 1: Financing Challenges - Technology-based small and micro enterprises often struggle to secure financing due to their reliance on intangible assets like patents and R&D capabilities, which traditional banks do not adequately value [2][9]. - Many of these enterprises face a dilemma of having technology but lacking collateral, leading to difficulties in obtaining timely credit for operational needs [2][10]. - The traditional credit assessment methods focus on fixed assets, which does not align with the needs of technology-driven companies [2][4]. Group 2: Mechanism Implementation - The new financing coordination mechanism promotes collaboration among government departments and financial institutions to break down information barriers and incorporate a company's "soft strengths" into the credit assessment process [4][11]. - Innovative models such as "data credit enhancement," "technology credit enhancement," and "guarantee credit enhancement" have been introduced to support financing for technology-based enterprises [4][5]. - The mechanism has led to the development of products like "Zhihui Loan" and "Patent Pool Loan," which provide significant credit amounts to enterprises based on their technological assets [4][5]. Group 3: Innovation Credit System - The "innovation credit system" is a key innovation within the mechanism, allowing for the quantification of a company's innovation capabilities and facilitating access to credit based on these metrics [6][10]. - Companies with an innovation score above 70 can qualify for credit support under national policies, effectively turning technological value into a financial asset [10][11]. - The system has proven effective, with banks able to create tailored financing solutions for technology-based enterprises, thus addressing their unique needs [11].

"自2022年启动研发以来，公司已投入3000万元，申请20余项核心专利。随着厂房扩建、产品逐步投入 量产，资金需求持续增加，仅靠自有资金难以满足公司发展需要。"浙江气协科技有限公司总经理王臣 志告诉中国证券报记者，得益于支持小微企业融资协调工作机制，从提出贷款申请算起不到3天时间， 公司就获得了1100万元纯信用授信，解决了企业发展的资金难题。 盛夏的浙江、福建，骄阳似火，热浪蒸腾。在这两片民营经济高度发达的土地上，大量像气协科技这样 的企业正激活创新发展的基因。记者近日随国家金融监督管理总局深入浙闽两地调研，探索支持小微企 业融资协调工作机制如何为万千小微企业带来金融活水。 "银企对接更精准顺畅了""客户经理走访企业积极性更高了""公司获得贷款速度更快了""融资成本更低 了"……在调研采访中，记者不时听到银行、企业类似的反馈。浙江、福建两地金融监管和发改部门协 同其他部门，从供需两端发力，聚焦重点领域和企业需求，创新信贷融资模式，加大信贷投放力度，推 动银企精准对接，统筹解决小微企业融资难和银行放贷难问题。 破解轻资产之困 在浙江省台州市三门县的气协科技车间里，工人们在机器前忙碌着。该公司成立于2021年 ...

● 本报记者 陈露 "自2022年启动研发以来，公司已投入3000万元，申请20余项核心专利。随着厂房扩建、产品逐步投入 量产，资金需求持续增加，仅靠自有资金难以满足公司发展需要。"浙江气协科技有限公司总经理王臣 志告诉中国证券报记者，得益于支持小微企业融资协调工作机制，从提出贷款申请算起不到3天时间， 公司就获得了1100万元纯信用授信，解决了企业发展的资金难题。 盛夏的浙江、福建，骄阳似火，热浪蒸腾。在这两片民营经济高度发达的土地上，大量像气协科技这样 的企业正激活创新发展的基因。记者近日随国家金融监督管理总局深入浙闽两地调研，探索支持小微企 业融资协调工作机制如何为万千小微企业带来金融活水。 "银企对接更精准顺畅了""客户经理走访企业积极性更高了""公司获得贷款速度更快了""融资成本更低 了"……在调研采访中，记者不时听到银行、企业类似的反馈。浙江、福建两地金融监管和发改部门协 同其他部门，从供需两端发力，聚焦重点领域和企业需求，创新信贷融资模式，加大信贷投放力度，推 动银企精准对接，统筹解决小微企业融资难和银行放贷难问题。 破解轻资产之困 在浙江省台州市三门县的气协科技车间里，工人们在机器前忙碌着。该 ...