"融资难、融资贵"一直是困扰小微企业发展的难题，为缓解县域小微企业融资难、融资贵，湖南桃江农 商银行积极响应，构建三级联动融资协调机制，精准发力，全力打通小微企业融资的"任督二脉"，实现 金融活水向实体经济精准滴灌。今年以来，该行累计走访对接小微企业15391家，授信金额8312.78万 元，金融服务覆盖面提升至99.59%，以金融驱动助力小微企业发展驶入快车道。 在产品创新方面，桃江农商银行靶向发力。针对小微企业"短频急"的融资需求，推出"潇湘财银贷""小 微企业流水贷"等特色产品。"潇湘财银贷"由湖南省政府主导，突破传统抵押担保限制，以"免抵押+低 利率"的模式，为小微企业开辟融资新渠道。湖南某科技公司凭借专利技术和良好信用记录，获得500万 元"潇湘财银贷"信用贷款，成功化解研发资金短缺难题。 为进一步提升融资服务效能，桃江农商银行开辟"限时办结"绿色通道，优化业务流程，将审批时效大幅 提升40%。同时，主动让利实体经济，降低小微企业融资成本，通过资金归行等方式确定利率水平，对 周转困难企业实施延期还本付息政策。桃江某水利水电建设有限公司便在该行支持下，获得800万元信 贷资金。 下一阶段，桃江农商银行 ...

Group 1 - A technology company in Hunan has received a timely loan of 1 million yuan to support its digital seedling cultivation, which can meet the demand for seedlings on 10,000 acres [1] - The People's Bank of China in Hengyang has established a financial support policy framework for the development of the private economy, leading to a loan balance for private enterprises in Hengyang exceeding 100 billion yuan by April 2025 [1] - The average interest rate for newly issued inclusive small and micro loans in Hengyang has decreased to 3.73%, a year-on-year decline of 63 basis points [1] Group 2 - A key electrical technology company in Hengyang has secured a low-interest loan of 150 million yuan for a high-end intelligent manufacturing industrial park project [2] - The People's Bank of China in Hengyang has issued a notice to support large-scale equipment updates and consumer goods replacement, resulting in 3.745 billion yuan in credit for 33 technology renovation projects [2][4] - By April 2025, 10.51 billion yuan has been disbursed for 29 equipment update and technology renovation projects in Hengyang [2] Group 3 - The Hengshan Rural Commercial Bank has issued 260 million yuan in loans to 356 small and micro enterprises in Hengshan, with an interest rate discount of nearly 1 percentage point [3] - The Nanyue Rural Commercial Bank has provided 72.61 million yuan in loans to 120 local homestay operators, offering a 0.5 percentage point internal funding transfer pricing discount [3] Group 4 - A materials technology company in Hunan received a loan of 260 million yuan from the Construction Bank in Hengyang to alleviate its funding pressure due to slow receivables and high raw material costs [5] - The People's Bank of China in Hengyang has launched the "Hengzhi Loan" financial service, allowing companies to obtain loans based on the evaluation of intangible assets, with a maximum loan amount of 300 million yuan [5] Group 5 - A knowledge value credit "white list" has been established for technology-based private enterprises, with 2,860 companies included and 1.732 billion yuan in knowledge value credit loans issued [6] Group 6 - The People's Bank of China in Hengyang is promoting the application of credit information sharing platforms to enhance financial support for small and micro enterprises [7] - Local banks have developed innovative online loan products, with the Changsha Bank Hengyang branch issuing 120 million yuan in loans to 62 small and micro enterprises [7] Group 7 - The Agricultural Bank of China in Hengyang has provided 1.8 million yuan in loans to a watch company facing financial difficulties due to new factory construction and equipment purchases [8] - The bank has established a special service team to support enterprises in the Hengyang West Duhigh-tech Zone, resulting in 114 million yuan in loans to 18 private enterprises [9] Group 8 - The People's Bank of China in Hengyang is focusing on building a long-term mechanism to ensure that private enterprises can access loans efficiently, with over 500 private market entities receiving 350 million yuan in loans from the Nanyue Rural Commercial Bank [10]

Core Insights - The funds flow information platform has become a key tool for addressing financing challenges faced by small and micro enterprises, such as "first loan difficulties" and "credit white households" since its launch six months ago [1] - The platform has facilitated a collaborative mechanism involving the central bank, banks, and enterprises, enhancing financial support for the real economy [1] Group 1 - The platform has enabled the Daiyue Rural Commercial Bank to query enterprise funds flow information 515 times and issue loans totaling 750 million yuan, benefiting 320 small and micro enterprises by the end of March 2025 [1] - The bank has established a "credit cultivation alliance" to provide one-on-one guidance to small and micro enterprises, achieving a conversion rate of 16% for "credit white households" [1][2] - The bank's innovative applications include a product matrix based on funds flow information, minute-level intelligent approval, and pre-warning post-loan management [2] Group 2 - The bank has introduced a "small and micro enterprise flow loan" that matches credit limits based on business cash flow, significantly improving the financing success rate for enterprises [2] - The loan approval time has been reduced from 5 days to 2 days, with small credit loans achieving T+1 disbursement [2] - The bank has developed a health scoring system for enterprise cash flow, allowing for timely intervention in cases of abnormal transaction fluctuations, effectively mitigating credit risks [2] Group 3 - To expand the platform's outreach, the central bank's Tai'an branch has guided the Daiyue Rural Commercial Bank to leverage its extensive grassroots network for promotional activities [3] - The bank has formed 34 "financial advisor" teams to conduct on-the-ground promotional efforts, distributing over 1,000 application manuals to enhance enterprise engagement with the platform [3] - The bank has resolved over 200 operational issues encountered by enterprises using the platform, improving registration and product inquiry efficiency [3]