Core Insights - The "Gongxin Loan" risk compensation policy has effectively alleviated the loan difficulties and high costs faced by small and medium-sized enterprises (SMEs) in the province, enhancing banks' willingness to lend [1][2] - As of now, a total of 3,668 enterprises have received loans under the "Gongxin Loan" program, with a cumulative loan issuance of 58.481 billion yuan and an average interest rate of 3.35% [1] Group 1 - The provincial government has established an 800 million yuan risk compensation fund for SME bank loans, which is part of a broader initiative to support SMEs [1] - The "Gongxin Loan" white list system has been implemented to ensure comprehensive coverage of eligible enterprises, with plans to increase the number of white list enterprises to over 5,000 by the end of the year [2] - The risk compensation mechanism provides banks with compensation ranging from 20% to 50% based on the loan amount for enterprises that experience non-performing loans [2] Group 2 - The policy has not only provided targeted support but has also played a crucial role in helping banks secure policies from their headquarters and develop online product approval models [2] - The provincial government aims to optimize the selection and collection of white list enterprises and enhance the efficiency of enterprise financing through the "Xianqi Tong" platform [2]

5月23日，省政府新闻办举办发布会，介绍"助企融资纾困、推动工业经济高质量发展"有关情况。 聚焦工业重点领域和薄弱环节，省工信厅构建"考核+奖补+贴息+担保+风险缓释"多层次融资支持政策 体系，实施七项产融对接促进措施，积极协调引导优势金融资源服务实体经济，助力工业经济高质量发 展。今年一季度，全省规上工业增加值同比增长9.9%，高于全国3.4个百分点。 聚焦聚力打好重点产业链群建设硬仗，省工信厅会同人行陕西省分行匹配24家银行机构为主办行和 参与行，面向34条工业领域重点产业链、1794户重点企业，创新产业链供应链金融产品和服务。2024 年，全省34条工业领域重点产业链贷款余额5161.1亿元，全年新增发放贷款3202亿元。今年一季度，全 省重点产业链贷款余额5563.22亿元，新增发放贷款1158.1亿元。 开展"十行千亿惠万企"融资专项行动，省工信厅联合金融机构推出"工信贷""专精特新贷"等创新型 金融产品，深入50个特色工业园区和156个双创基地的中小微企业上门送服务，每年新增专项信贷资金 不少于2000亿元。 省工信厅还出台省级中小微企业银行信贷风险补偿政策，建立"工信贷"白名单，对出现的不良贷款 ...