Core Insights - Small and micro enterprises (SMEs) are crucial to the economic development of Henan, acting as "capillaries" for job creation, livelihood improvement, and innovation promotion [2] - The financing challenges of SMEs, characterized by difficulty, slowness, and high costs, have been addressed through a coordinated financing mechanism established by the national government [2][3] - As of the end of June, the financing coordination mechanism in Henan has visited 7.43 million SMEs, granted credit to 1.0752 million entities, and issued loans to over 1 million SMEs, with a total credit amount of 1.04 trillion yuan and loans amounting to 946.498 billion yuan [2] Financing Coordination Mechanism - The mechanism has successfully expanded the number of first-time loan recipients to 125,300, with a total first loan amount of 68.498 billion yuan [3] - The mechanism emphasizes rapid and direct access to financing for SMEs, establishing a bridge for precise connections between banks and enterprises [3] - The average interest rate for loans issued through this mechanism is 3.66%, a reduction of 0.32 percentage points compared to before the mechanism's implementation, effectively lowering financing costs for SMEs [4] Future Directions - The Henan financial regulatory authority aims to deepen the financing coordination mechanism, focusing on maintaining loan volume, improving quality, stabilizing prices, and optimizing structure [5] - The goal is to ensure that SMEs can access loans efficiently and effectively, allowing financial resources to be more accurately directed towards these enterprises [5]

名录登记改革破冰 源头活水引新渠,激活外贸"毛细血管" 2024年4月,《国家外汇管理局关于进一步优化贸易外汇业务管理的通知》(汇发〔2024〕11号)的发布,标 志着贸易外汇管理迎来重大变革。自同年6月1日起,贸易外汇名录登记这一关键准入环节,正式由外汇局 移交给银行直接办理。这不仅是一项"里程碑式"的便利化改革,更是银行延伸服务触角、夯实客户基础 的宝贵机遇。 建行济宁分行闻令而动,第一时间成立专项工作组,深度整合"单一窗口"数据接口与建行内部业务系统,开 发线上预审功能。建立"双人复核+定期抽查"机制,加强与当地外汇局信息共享与异常情况报告,守好风险 底线。 截至2025年5月底,已为100多家企业高效办理贸易外汇名录登记,其中小微企业占比达65%,涵盖机械制 造、纺织服装、农产品加工、跨境电商等多个领域。某新注册的跨境电商企业负责人张先生感慨:"原本 以为跑登记要折腾好几趟,没想到在建行网点一次就办妥了,当天申请次日生效,为我们抢抓海外订单赢得 了宝贵时间!" 普惠融资精准滴灌 破解小微融资坚冰,疏浚外贸"源头活水" 融资难、融资贵,特别是缺乏有效抵押担保,始终是悬在小微外贸企业头上的"达摩克利斯之剑 ...

动态化利率定价机制，赋能企业融资成本结构优化。一是对符合国家产业政策、发展前景良好的小微企 业，实行利率优惠政策，通过适当下调利率，降低小微企业的利息支出，切实减轻企业的融资负担。今 年以来，累计为376户小微企业实行利率优惠，平均让利0.4个百分点。二是深化银企合作，加大政策性 贷款投放。积极与农担公司、县退役军人事务局、县公共就业和人才服务中心等部门对接，共同推 动"鲁担惠农贷""退役军人创业贷""创业担保贷"等业务，切实将政策性贷款产品的优势发挥出来，更好 发挥金融对小微企业的支持作用。截至5月末，政策性贷款产品余额已达6.32亿元。三是全面实行"阳光 信贷"，将申贷资料名录、各环节办贷时限、监督电话等内容在营业网点、驻点办公场所等显著位置张 贴上墙，主动接受外界监督，牢固树立以客户为中心的服务理念，打造"金融为企"金字招牌。 多维拓宽准入通道，深化普惠服务体系。一是创新担保方式。针对小微企业普遍缺乏抵押物的问题，在 传统的房产、土地抵押外，积极推广知识产权质押、应收账款质押等担保方式，拓宽小微企业的担保渠 道。截至5月末，办理知识产权质押贷款5户、0.44亿元。二是加大信用贷款供给。建立科学的小微企业 ...

Core Insights - Sichuan Provincial Finance Department, in collaboration with various industry authorities, has launched the "Tianfu Industry Loan" series of policy products to support the real economy and address corporate financing challenges [1][2][3] Group 1: Product Launch and Implementation - Luzhou Bank has effectively leveraged the advantages of the "Tianfu Industry Loan" products, characterized by low thresholds and costs, to serve the real economy and alleviate financing bottlenecks for enterprises [1] - The bank quickly collaborated with local guarantee institutions to implement a "loan-on-demand" guarantee model, successfully launching the first "Tianfu Science and Technology Loan," "Tianfu Foreign Trade Loan," and "Tianfu Manufacturing Loan" within two days [1] Group 2: Addressing Client Needs - Luzhou Bank responded promptly to a national high-tech enterprise facing a cash flow issue due to delayed export payments, successfully disbursing the first "Tianfu Foreign Trade Loan" of 2 million yuan within two days, significantly reducing financing costs for the client [2] - The bank maintained close communication with a provincial specialized enterprise to address its credit limit challenges, successfully providing the first "Tianfu Science and Technology Loan" of 5 million yuan, effectively resolving the client's refinancing difficulties [2] Group 3: Future Strategy - Luzhou Bank plans to utilize its advantages of a short decision-making chain and quick information response to focus on customer needs, expanding the reach of policy benefits through differentiated products like "Tianfu Science and Technology Loan" and "Tianfu Manufacturing Loan" [3] - The bank aims to support the high-quality development of the real economy in Luzhou City by matching products with enterprise characteristics and addressing financing challenges [3]

Core Insights - Zhangjiagang Rural Commercial Bank has provided trade financing amounting to 410 million RMB since April 1, effectively supporting the development of foreign trade enterprises [1] - The bank has established a special task force to alleviate the financial pressures on foreign trade companies, focusing on stable credit support and innovative financing products [1][2] - The bank promotes export credit insurance to mitigate risks for small and medium-sized foreign trade enterprises, enhancing their confidence in exploring overseas markets [2] - The bank has upgraded its foreign exchange risk hedging services, offering real-time exchange rate information and promoting the use of foreign exchange derivatives to manage currency fluctuations [3] Group 1 - The bank's trade financing support has reached 410 million RMB, aiding foreign trade enterprises [1] - A special task force was created to implement measures that help enterprises stabilize operations and increase order intake [1] - The bank commits to maintaining credit support without withdrawal or pressure on foreign trade enterprises [1] Group 2 - The establishment of an export credit insurance support task force aims to enhance risk management for small and medium-sized enterprises [2] - The bank has facilitated the insurance application process, resulting in 75 enterprises obtaining coverage [2] - The bank promotes a unique trade financing product linked to export credit insurance, providing risk protection and financing support [2] Group 3 - The bank has enhanced its foreign exchange risk management services, providing real-time information and analysis to clients [3] - A total of 558 foreign exchange derivative contracts have been signed with 105 clients, amounting to 1.178 billion USD [3] - The bank continues to focus on high-quality development in foreign trade through collaborative efforts with government and enterprises [3]

人民网成都6月27日电 (记者朱虹)近年来，面对复杂严峻的外部环境，成都外贸展现出强劲韧性：去年 实现进出口额8390亿元，贡献了全省8成以上的份额，成为全省外贸稳万亿的"压舱石"，今年1—5月继 续保持两位数增长，彰显了"经济大市挑大梁"的使命担当。 二是支持成都实施"蓉品出海"行动。支持成都参与"川行天下"国际市场拓展活动，引导鼓励重点企业争 订单、扩份额，加大中小微外贸企业服务力度。支持开展重点产业供需对接活动，推动"蓉产蓉造""链 主+链属"企业抱团开拓新兴市场。支持实施"跨境电商+产业带"赋能行动，建设境外川造精品馆、公共 海外仓，引育区域总部、结算中心、分拨中心。 三是支持成都加快贸产融合发展。坚持以贸带产、以产促贸，推动成都电子信息、装备制造、医疗健康 等重点产业建圈强链，提升产业国际竞争力，支持培育贸产联动融合发展先行区。支持创新发展数字贸 易，搭建数字贸易服务平台，扩大网络游戏、数字动漫、软件服务等数字贸易规模。指导成都用好天府 外贸贷、服保贷等金融产品和政策性外经贸专项信贷额度，为成都产业国际化发展提供优质金融支持。 今日，在省政府新闻办新闻发布会上，省商务厅副厅长乔方称，下一步，四川将支 ...

乔方表示，下一步将坚持以贸带产、以产促贸，推动成都电子信息、装备制造、医疗健康等重点产业建 圈强链，提升产业国际竞争力，支持培育贸产联动融合发展先行区。支持创新发展数字贸易，搭建数字 贸易服务平台，扩大网络游戏、数字动漫、软件服务等数字贸易规模。此外，四川将指导成都用好天府 外贸贷、服保贷等金融产品和政策性外经贸专项信贷额度，为成都产业国际化发展提供优质金融支持。 乔方介绍，四川将支持成都打造特色单品集散中心。支持成都发挥"双国际机场+国际铁路港"枢纽优 势，提升国际货物集散分拨能力，加快"一带一路"进出口商品集散中心建设。支持开展冰鲜水产品进 口"白名单"制度试点，打造三文鱼、榴莲、鱼子酱等特色单品全国集散基地。支持打造"进口嘉年华"品 牌，招引首发国际新品牌，创新海外直采新模式，助力成都建设国际消费中心城市。 四川支持成都企业"组团"闯市场，推动"蓉产蓉造""链主+链属"企业抱团开拓新兴市场，跨境电商、海 外仓、川造精品馆等将成为"出海"新抓手，中小微外贸企业也将获得更多支持。 四川省政府新闻办27日在成都举行解读《关于支持成都做优做强极核功能加快高质量发展的意见》新闻 发布会，四川省商务厅副厅长乔方在会 ...

"店销售额实现了大幅增长，多亏了中行的服务方案。"成都某小米电器专卖店店主说，他通过小米场景 服务方案申请到一笔1000万元的贷款，为店里补足了多种电器产品，及时赶上了"618"销售旺季。这是 四川中行为小米经销商量身定制的普惠金融服务方案，帮助其解决资金周转难题，从而更好满足消费者 需求。 吉利四川商用车公司是四川省级重点项目承担者，主要生产VAN系纯电动物流车、醇氢动力物流车等 多类型车辆。自2018年以来，四川中行为其提供金融支持，共批复贷款额度超11亿元。其中，仅2024年 至今，就投放短期流动资金贷款约3000万元，开立银行承兑汇票近8600万元，同时还长期提供外币结算 服务，帮助企业实现海内外发展。 "从政策解读到备案落地，中行让我们在最短时间内享受到政策便利，极大提升了资金管理效能。"省内 某民营500强集团负责人说。今年3月，中国人民银行、国家外汇管理局将跨国公司本外币一体化资金池 业务试点范围扩大至天津、河北、四川等16个省市。四川中行第一时间推动业务落地，向符合条件的企 业开展试点政策宣介，并成立专项工作小组，协助企业完成备案并顺利开办业务。 转自：新华财经 今年以来，中国银行四川省分行（ ...

Core Insights - The article emphasizes the role of financial services in supporting technological innovation and the development of the real economy, highlighting the initiatives taken by the Bank of China Suzhou Branch to drive growth in the technology finance sector [1] Group 1: Industry Strategy - The Bank of China Suzhou Branch has established a three-tiered institutional system for technology finance, including a "Technology Finance Center - Sub-center - Operating Branches" model, enhancing its service network [2] - The bank has implemented a customer evaluation model and special credit guidance based on the "1030" industrial system in Suzhou, achieving over 50% coverage of AI industry chain enterprises and a credit increase of nearly 2 billion yuan since the beginning of the year [2] Group 2: Comprehensive Financial Services - The bank offers a full lifecycle of financial services, including investment, loans, bonds, stocks, insurance, and leasing, to support innovation in enterprises [3] - A new direct investment fund with a target size of 2 billion yuan has been established to support early-stage, small, and hard technology enterprises [3] Group 3: Digital Transformation - The bank has integrated digital technology into its financial processes, creating a digital management platform that enhances customer service and operational efficiency [4] - The technology finance industry radar platform has recorded 6,700 visits and attracted 1,000 independent users, facilitating precise customer acquisition and efficient approval processes [4] Group 4: Support for Foreign Trade - The bank has launched a special action plan to support foreign trade, proposing 15 measures to enhance financial supply and innovation [5] - Specific loan products like "Bank of China Foreign Trade Loan" and "Bank of China Cross-border E-commerce Loan" have been introduced to meet the funding needs of small and micro-export enterprises [6]

银行内部也担心90天窗口期后，美国再度调整对华对等关税政 策导致中国输美商品因缴纳更高关税而滞留美国港口（难以清 关），令外贸企业一时收不到剩余货款用于偿还银行外贸贷款 本息。 作者： 陈植 封图：图虫创意 导读 壹 || 现在银行在发放新的外贸贷款前，都会了解企业有没有把握在90天窗口期内将产品运抵 美国港口完成清关并交付给美国客户，作为他们发放这笔贷款的新依据。 究其原因，银行内部也担心90天窗口期后，美国再度调整对华对等关税政策导致中国输美商品因 缴纳更高关税而滞留美国港口（难以清关），令外贸企业一时收不到剩余货款用于偿还银行外贸贷 款本息。 他告诉记者，为了确保已发放的外贸贷款能"顺利偿还"，他所在的银行对公部门员工一面经常跑去 外贸企业厂房，实地了解企业订单生产交付最新进展，一面通过个人关系，协助部分外贸企业订船 期舱位，确保产品能在90天窗口期内运抵美国港口完成清关，从而按照合同约定收到美国客户剩 余货款以偿还银行外贸贷款。 有些外贸企业急于"抢出口"，也有外贸企业淡定应对关税争端。 贰 || 国有大型银行正加强对外贸企业的外汇避险金融服务，围绕大型外贸企业的多元化金融 服务需求，要求做好"一企一 ...