长期以来，融资难、融资贵、融资慢是民营企业特别是中小微企业发展过程中普遍面临的痛点。苏 州作为全国民营经济最集中、最活跃、最发达的地区之一，始终高度重视民营经济发展。近日，记者从 苏州市发展改革委了解到，苏州从企业和产业的实际发展需要出发，建立了一套覆盖全市的支持中小微 企业融资协调机制，重点推出两项银企对接机制，政府端、银行端明确三级专职联络员1700多人，首 贷、信用贷、无还本续贷、转贷四项业务联动，构建机制、流程、大数据、产品和宣传五个维度融资新 生态，形成了苏州特色的"12345"工作法，帮助民企解决融资难题，助力打造"苏州最舒心"营商环境。 "一项机制"，筑牢民企融资"组织网" 目前，苏州结合全市降低企业综合成本的实际情况，已经全面建立市、县两级支持中小微企业融资 协调机制，构建"1+10+41"体系：即1个市级机制（专班）统筹，全市10个板块同步响应，41家商业银 行积极落实。通过统筹调度、协调重大事项、推广优秀做法、督查通报、定期发布工作专报等，推动机 制走深走实。 4月下旬，《苏州市降低企业综合成本工作方案》出台，从降低税费、人工、用能、用地、融资、 物流、市场开拓成本及制度性成本、参与政府采 ...

Core Insights - The article highlights the challenges faced by private enterprises, particularly small and medium-sized enterprises (SMEs), in securing financing, while also showcasing the innovative measures taken by Suzhou to enhance financial support for these businesses [1][2][3]. Group 1: Financing Challenges and Solutions - Suzhou has established a comprehensive financing support system for SMEs, addressing issues such as rising raw material costs and accounts receivable, as well as the concentration of bank loans maturing [1]. - The "Four Loan Linkage" mechanism has been implemented to provide a coordinated approach to financing, which includes first loans, credit loans, no-repayment renewal loans, and transfer loans, covering all 770,000 SMEs in the city [1][2]. - By April 2023, Suzhou had issued nearly 400 billion yuan in loans under this mechanism, with a 48 basis point reduction in loan interest rates [1]. Group 2: Government and Bank Collaboration - The establishment of a city and county-level financing coordination mechanism has facilitated the connection between over 1,400 enterprises and financial institutions, resulting in more than 100 billion yuan in loans issued [2][3]. - A specialized team of over 5,000 has been organized to conduct extensive outreach to SMEs, ensuring that their financial service needs are met [3]. - The government has initiated various measures to enhance the loan risk-sharing compensation mechanism and expand the scope of no-repayment renewal loans [3]. Group 3: Innovative Financial Products - Financial institutions in Suzhou are developing tailored financial products to meet the specific needs of SMEs, such as the "Future Value" credit assessment used by Shanghai Pudong Development Bank [4][5]. - The city has seen significant growth in first loans, with 3,792 enterprises receiving a total of 14.8 billion yuan, and credit loans reaching 1,053 billion yuan, accounting for 26.4% of total loans issued [5]. - The transfer loan service has also gained traction, with 392 transactions amounting to over 2.2 billion yuan completed within two months of the policy's introduction [6]. Group 4: Digital Transformation and Data Utilization - Suzhou is leveraging digital technology to enhance service quality, utilizing extensive credit data to create a comprehensive profile of enterprises, which aids in providing precise financial support [7][8]. - The city has implemented a "Payment Loan" platform that uses transaction data to alleviate information asymmetry between banks and enterprises [7][8]. - Future initiatives will focus on further advancing the "Four Loan Linkage" mechanism to create a more efficient and cost-effective financing ecosystem for private enterprises [8].