深化支持小微企业融资协调工作机制，是解决民营企业特别是中小企业融资难问题的有力举措。据 介绍，2026年，省发展改革委将依托"秦信融"平台常态化开展支持小微企业融资协调工作，围绕金融机 构需求，动态调整涉企信用信息归集共享目录，加快与金融城域网互联互通；设立科技、农业、外贸特 色专区，最大限度满足各类经营主体不同发展阶段融资需求；依托信用中国（陕西）平台常态化开展信 用监测，为金融机构提供更早、更精准的风险预警；协同各地开展"政策解读+案例推广"，将政策信号 及时准确传达到各类经营主体，不断推动降低小微企业等经营主体融资成本。（记者：杨晓梅） 1月26日，记者从省发展改革委获悉：2025年，依托支持小微企业融资协调工作机制，全省有效降 低了小微企业等经营主体融资成本。截至2025年底，全省累计走访经营主体528.06万户，其中，向银行 机构推荐37.79万户、授信5494.65亿元，助推银行机构投放贷款4443.18亿元。 省发展改革委财金处处长闫少锋介绍，2025年，全省支持小微企业融资协调工作机制高效运行，依 托"秦信融"平台"支持小微企业融资服务专区"，梳理形成5类经营主体包括3万余户农业经营主体和51 ...

Core Viewpoint - The article highlights the growing importance of data asset financing in supporting technology-driven companies in Shaanxi, with a focus on the innovative financial products being developed to address the challenges faced by these companies in monetizing their data assets [1][3]. Group 1: Company Developments - Shaanxi Kunxiang plans to expand its smart parking service market and has successfully secured a data asset pledge loan of 4.95 million yuan from SPD Bank, marking a significant step in utilizing data assets for financing [1]. - The company has developed various intelligent products, including a smart parking client and a city-level static traffic management platform, accumulating substantial parking data resources [1]. - R&D expenditures account for over 60% of the company's total costs, indicating a strong commitment to innovation [1]. Group 2: Financial Innovations - SPD Bank's Xi'an branch has provided loans to 990 technology companies in 2025, reflecting a net increase of 158 companies since the beginning of the year, showcasing the bank's role in supporting tech innovation [3]. - The bank has established a collaborative mechanism involving banks, exchanges, enterprises, and professional institutions to address challenges related to data asset valuation and financing [1][2]. - The bank utilizes blockchain technology to ensure data security during the asset valuation and pledge registration process [2]. Group 3: Regional Financial Initiatives - In 2025, Shaanxi introduced 50 measures to promote technology finance, aiming to support the transformation of technological achievements and address the financing difficulties faced by tech companies [3]. - The Shaanxi Provincial Science and Technology Innovation Fund was established with an initial scale of 10 billion yuan, focusing on strategic emerging industries and future industries [4]. - The fund has already approved investments in 12 sub-funds, with a total commitment of 5.7 billion yuan, indicating strong interest from top investment institutions [4]. Group 4: Overall Financial Growth - By the end of 2025, the balance of technology loans in Shaanxi reached 882.215 billion yuan, reflecting a growth of 12.41%, which is significantly higher than the average growth rate of other loans [5]. - The establishment of AIC pilot funds in the province has led to the launch of 9 funds with a total scale of 8 billion yuan, supporting small and micro technology companies [5].

Core Insights - The event held on November 28 in Changsha focused on integrating industrial and financial chains to enhance the high-quality development of the manufacturing sector [1][3] - The initiative aims to address the financing challenges faced by small and medium-sized enterprises (SMEs) by creating an efficient platform for government, banks, and enterprises to connect [1][3] Financial Products and Services - China Bank introduced its "Industrial Credit" product aimed at industrial and technology innovation enterprises, while the Transportation Bank detailed the application conditions and advantages of its "Jiao Xiang Industrial Credit" [3] - The financial product presentations were tailored to meet the actual needs of enterprises, receiving significant attention from attendees [3] Event Outcomes - Participating enterprise representatives expressed that the event was well-themed, practical, and precise in its connections, helping them understand the latest financial policies and products [3] - The event established direct communication channels between enterprises and financial institutions, laying a solid foundation for future financing needs and sustainable development [3] Future Directions - The "One Chain a Month" series of activities will continue to focus on the development needs of key industrial chains, optimizing the integration of production and finance [3] - The initiative aims to enhance the effectiveness of financial services for the real economy, contributing to the industrial transformation and high-quality development of Changsha [3]

宝鸡市工业发展促进中心主任辛金阳介绍，宝鸡市以创新型中小企业、专精特新企业、制造业单项 冠军企业和产业链链主企业为主体，积极落实"工信贷"政策，让更多中小微企业受益。"此次，宝鸡市 158家企业的集中入选，是对宝鸡中小微企业发展活力的充分肯定，也是'工信贷'政策精准赋能区域产 业发展的生动实践。"辛金阳说。 据悉，入选"工信贷"白名单的企业可以享受省内金融机构合理增加授信额度，适度提高信用贷款和 中长期贷款比重以及在内部转移定价、授信审批等方面的差异化安排，并被纳入陕西省中小微企业银行 贷款风险补偿范围。（记者：李静茹） "工信贷"是陕西支持中小微企业发展的重要金融举措，可通过风险补偿机制为企业搭建高效融资桥 梁，不仅能降低企业贷款门槛、减少融资成本，还能缩短审批周期、优化信贷服务，为企业技术研发、 产能扩张、市场拓展等关键发展环节注入"金融活水"。 11月13日，记者从宝鸡市工业发展促进中心获悉：日前，宝鸡市158家企业入选第四批全省"工信 贷"白名单。截至目前，宝鸡全市入选"工信贷"白名单企业达590家，居全省地级市首位。 ...

Group 1 - The first domestically developed turbine engine in China has received production approval, highlighting the significant financial support from local banks to address funding challenges in the aerospace sector [1] - The People's Bank of China (PBOC) in Hunan has initiated the "Bank Leaders Visit Cities and Counties" campaign to enhance financial services for the real economy, resulting in 2,705 financing issues resolved and 141 financing events held, with a total signed amount of 155.3 billion yuan [1] - Local banks have actively engaged with enterprises, providing tailored financial solutions and support for various industries, including new materials and specialized manufacturing [2][4] Group 2 - The PBOC has organized over 380 financial policy promotion activities, reaching more than 5,460 market entities, and distributed 49,000 financial product manuals to enhance understanding of financial policies [3] - Financial institutions in Hunan have developed innovative financing products, such as "Xiang Porcelain Loan" and "Ceramic Master Loan," to support the local ceramics industry, with over 9.26 billion yuan in loans issued [6] - The PBOC has emphasized the importance of addressing financial service challenges for enterprises, establishing a system to track and resolve specific financial service requests from market entities [4][6] Group 3 - The PBOC has facilitated the establishment of a data asset value assessment system to support local enterprises in securing loans, exemplified by the first data asset pledge loan for a private enterprise in Zhangjiajie [7] - Customized financial products have been developed across various banks in Hunan, such as "Fireworks Loan" for the fireworks industry and specialized loans for agricultural enterprises, demonstrating a shift towards tailored financial services [8] - The collaboration between financial institutions and enterprises has led to significant loan approvals, such as 500 million yuan for a new materials company and 3.5 billion yuan for a steel structure enterprise [2][4]

Core Points - The provincial government of Shaanxi is promoting high-quality development of the private economy through a "Seven Major Actions" initiative, encouraging private enterprises to innovate and contribute to economic growth [1][2] - The private economy in Shaanxi is projected to reach a value of 17,581 billion yuan in 2024, accounting for 49.5% of the provincial GDP, with a year-on-year increase of 0.3 percentage points in the first half of this year [1] Summary by Sections Government Initiatives - The provincial government has implemented several policies to support the private economy, including the "Several Opinions on Promoting the Accelerated Development of the Private Economy" and the "Three-Year Action Plan for High-Quality Development of the Private Economy (2021-2023)" [1] - The "Seven Major Actions" initiative includes 31 specific measures aimed at addressing key issues faced by the private economy, focusing on policy accessibility, market entry barriers, financial support, and legal protections [2] Economic Impact - The private economy's contribution to Shaanxi's GDP has increased, highlighting its growing importance as an economic pillar [1] - The provincial government aims to create a favorable environment for private enterprises, as evidenced by the positive feedback from business representatives regarding financial support and development initiatives [2]

Core Viewpoint - The "Implementation Plan for Further Promoting High-Quality Development of the Private Economy in Shaanxi Province" has been officially issued, focusing on seven major actions to optimize the development environment for the private economy, address development challenges, boost corporate confidence, and promote sustainable and high-quality growth in the province's private sector [1][4]. Group 1: Seven Major Actions - The plan includes seven major actions: making policies accessible, removing market entry barriers, providing financial support to enterprises, increasing support for private economic factors, standardizing administrative inspections related to enterprises, ensuring efficient processing of business matters, and legal protection [1][4]. - A total of 31 specific measures have been introduced to comprehensively enhance the development environment for the private economy [1]. Group 2: Financial Support and Innovation - The plan emphasizes financial support for private enterprises, including increasing credit supply and implementing a special financing action with an annual allocation of no less than 200 billion yuan [9]. - It encourages private enterprises to participate in national technology projects and supports capable organizations in leading major technological tasks [6]. Group 3: Market Entry and Administrative Efficiency - The plan aims to eliminate market entry barriers by reviewing and abolishing policies that hinder fair competition, with a completion target set for the end of 2025 [8]. - It seeks to streamline administrative inspections and improve the efficiency of administrative processes, ensuring that inspections are consolidated to avoid redundancy [12]. Group 4: Legal and Regulatory Framework - The plan includes measures to enhance the legal environment for private enterprises, ensuring the protection of their rights and interests, and improving the handling of cases related to financing and technological upgrades [12]. - It also emphasizes the importance of protecting intellectual property rights for innovative private enterprises [12].

Group 1 - The core viewpoint is that private enterprises in Shaanxi province are becoming the main force in the development of emerging industries and new productivity, with 14,200 high-tech enterprises accounting for over 80% of the province's total high-tech enterprises as of June this year [1] - Shaanxi has implemented a series of policies to support the growth of high-tech enterprises, including reforms in technology transfer and evaluation of talent, which have accelerated the transformation of scientific and educational advantages into development advantages [1] - The province is continuing to implement four projects: "Climbing", "Upgrading", "Advancing", and "Listing", along with financing initiatives to support innovative small and medium-sized enterprises, leading to the emergence of a number of industry-leading private high-tech enterprises [1] Group 2 - The application process for high-tech enterprise recognition for the year 2025 has begun in Shaanxi, targeting resident enterprises registered for over one year within the province [2] - Enterprises that have undergone name changes since their recognition in 2022 must complete the name change procedures before applying for re-recognition [2]

Core Viewpoint - The People's Bank of China (PBOC) Shaanxi Branch has implemented a comprehensive financial support plan to enhance credit allocation to key industrial chains in Shaanxi province, aiming for a total scale of no less than 30 billion yuan in special re-loan and re-discount quotas for agriculture and small enterprises from 2025 to 2027 [1][2][3] Group 1: Financial Support Measures - The PBOC Shaanxi Branch has issued a work plan that includes the establishment of the "Shanlianrong" special re-loan and re-discount quotas to support financial institutions in lending to key industrial chains in Shaanxi [3][4] - In 2024, the PBOC has issued over 100 billion yuan in re-loans and re-discount funds, marking an 11.53% year-on-year increase, benefiting over 180,000 small and micro enterprises [2][4] - The work plan aims to create a financial service system covering key industrial chains at provincial, municipal, and county levels by 2027, significantly improving the quality and efficiency of financial support for these chains [1][3] Group 2: Key Industrial Chains and Areas of Focus - The special quotas will support 34 provincial-level industrial chains, 8 modern agricultural chains, and 8 cultural tourism chains, as well as other key chains identified by local governments [3][4] - The plan encourages financial institutions to innovate inclusive finance, technology finance, and green finance products to enhance support for agricultural, small, and private enterprises [3][4] - The initiative is part of a broader strategy to strengthen the financial backing for key projects and promote high-quality economic development in Shaanxi [1][2]

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]