通讯员 发改萱扬州市新闻传媒中心记者 默然 中小微企业，是产业科创名城的重要生态和高质量就业的根基，其贷款难、贷款贵一直备受关注。为进 一步优化中小微企业融资环境，做好普惠金融大文章，改善中小微企业融资环境，更好服务实体经济， 近日，市发改委等部门联合出台《扬州市支持中小微企业融资10条措施》，从扩大融资供给、降低融资 成本、优化融资机制三大方面破解融资难、融资贵问题。 "首先是通过政府性融资担保增信，构建多层次风险担保机制。"扬州金融监管局相关负责人说，将强化 政府性融资担保机构准公共服务定位，聚焦主责主业，加强中小微企业增信融资服务，持续做好降费让 利，政府性融资担保费率不超过1%。深化政银担联动，优化风险分担机制，加强与国家融资担保基 金、省级政府性再担保机构的多级联动，构建多层次风险担保机制。在省财政对增加资本金的政府性融 资担保机构给予增资部分2%奖励的基础上，市财政予以配套，鼓励政府性融资担保机构做大做强。 "其次，进一步统筹用好风险补偿及财政贴息政策。"该负责人说，将发挥扬州市级普惠金融风险补偿资 金池作用，支持"苏科贷""扬创贷""富民创业担保贷""小微贷"等省市普惠金融产品，助力创业群体、小 ...

Core Viewpoint - Hai'an Rural Commercial Bank emphasizes its commitment to supporting local development through precise loans and attentive services, rooted in its historical legacy and red gene spirit [1][2][14]. Group 1: Historical Context and Growth - Established 73 years ago, Hai'an Rural Commercial Bank has evolved from a local credit cooperative to a modern commercial bank with total deposits and loans exceeding 150 billion yuan [1]. - The bank has received over 300 honors at national, provincial, and municipal levels, reflecting its trust from the government and recognition from the market [1]. Group 2: Red Spirit and Community Engagement - The bank integrates red spirit into its services, creating innovative service models that enhance community engagement and support local development [2]. - Initiatives include building red-themed educational sites and providing financial services directly to communities, such as mobile banking services [2][4]. Group 3: Targeted Financial Products - Hai'an Rural Commercial Bank has developed specialized loan products for key demographics, including veterans, returning youth, and unemployed individuals, to support their entrepreneurial efforts [3]. - The "Embrace the Army Loan" and "New Farmer Elite Loan" have successfully provided substantial funding to help individuals start businesses and create jobs [3]. Group 4: Financial Support for Local Industries - The bank plays a crucial role in local industrial upgrades by offering tailored financial solutions throughout the business lifecycle, from startup to maturity [5][6]. - It has implemented a "chain-based" financial service model to meet the financing needs of various sectors, ensuring that financial resources are effectively allocated along the industrial chain [7]. Group 5: Cost Reduction and Efficiency - The bank focuses on reducing costs for enterprises by offering various loan products and lowering interest rates, thereby enhancing operational efficiency [8]. - It has streamlined loan approval processes, significantly reducing the average approval time to support businesses in a competitive market [8]. Group 6: Rural Revitalization Efforts - Hai'an Rural Commercial Bank is committed to rural revitalization by providing accessible financial services to farmers, enabling them to secure loans easily [9]. - The bank has established a comprehensive credit system that covers all administrative villages, allowing farmers to access loans through mobile banking [9]. Group 7: Support for Specialty Industries - The bank supports local specialty agriculture by creating tailored financial service models for key agricultural products, ensuring stable supply and market expansion [10]. - It has provided significant funding to various agricultural enterprises, facilitating their growth and technological advancements [10]. Group 8: Social Responsibility and Community Support - The bank actively participates in social welfare initiatives, contributing over 300 million yuan to charitable causes and establishing support stations for outdoor workers [14]. - It has implemented programs to assist vulnerable groups, including children and the elderly, demonstrating its commitment to community welfare [14]. Group 9: Workforce Development - Hai'an Rural Commercial Bank invests in employee training and development, focusing on enhancing skills related to customer service and financial products [13]. - The bank promotes a culture of continuous learning and community engagement among its staff, ensuring they are well-equipped to meet local needs [13].