Core Viewpoint - Postal Savings Bank of China Yangzhou Branch is committed to serving the real economy by enhancing collaboration among government, banks, and enterprises, and improving the inclusive financial service system, focusing on key sectors such as technology, foreign trade, and cultural tourism [1] Financial Performance - The bank aims to achieve a net increase of 1.41 billion yuan in inclusive loans by 2025, with a year-on-year growth rate of 16.3%, effectively alleviating the financing difficulties faced by local small and micro enterprises [1] - The bank has been recognized by the National Financial Supervision and Administration Bureau Yangzhou Branch for its outstanding service effectiveness [1] Future Outlook - Looking ahead, the bank will continue to optimize its inclusive financial service model, providing more precise credit allocation, convenient financial services, and favorable financing costs to support small and micro enterprises, manufacturing, and technology innovation enterprises in Yangzhou [1]

Core Viewpoint - The article discusses the introduction of ten measures by the Yangzhou Municipal Development and Reform Commission and other departments to support financing for small and micro enterprises, aiming to improve the financing environment and better serve the real economy. Group 1: Expanding Financing Supply - The new policy aims to enhance financing supply for small and micro enterprises across the entire chain, addressing issues such as insufficient funding and limited collateral [2] - It includes increasing credit supply in key sectors such as foreign trade, culture, tourism, technology, and agriculture, encouraging financial institutions to provide long-term loans for equipment updates and technological transformations [2] - The policy promotes the development of supply chain finance, focusing on core enterprises to extend effective credit to upstream and downstream small and micro enterprises [3] Group 2: Reducing Financing Costs - The initiative includes government-backed financing guarantees and fiscal interest subsidies to alleviate the financial burden on enterprises [4] - A multi-tiered risk guarantee mechanism will be established, with government financing guarantee fees capped at 1% to support small and micro enterprises [4] - The policy also aims to utilize risk compensation and fiscal interest subsidy funds to support various financing products for small and micro enterprises, particularly those in growth and technology sectors [5] Group 3: Building a Business-Friendly Financing Mechanism - The article emphasizes the need for a business-friendly financing mechanism, highlighting the importance of understanding and addressing the challenges faced by enterprises [7] - Continuous engagement with small and micro enterprises through outreach activities is crucial for identifying their needs and integrating financial policy tools effectively [7] - The establishment of a long-term mechanism for financial institutions to support small and micro enterprises is essential for sustainable financing solutions [7]

Group 1 - Jiangsu Qiwushui Aquaculture Development Co., Ltd. has transformed from a single shrimp farming business to a comprehensive cold chain logistics entity for special aquatic products, with a total industry chain output value exceeding 100 million yuan [1] - The local financial institution, Gaoyou Rural Commercial Bank, has introduced innovative loan products such as "breeding loans" and "industry loans," providing 79.5 million yuan in loans to 740 shrimp farmers, enabling nearly zero-capital entrepreneurship [1] - Yangzhou has a significant number of small and micro enterprises, totaling 526,800, which account for over 90% of private enterprises in the region [1] Group 2 - Baoying County, known as the "hometown of lotus root," has launched innovative products like salted egg yolk cheese lotus root and lotus root chips, gaining popularity among young consumers [2] - The establishment of lotus root cooperatives and a trading market has created an industrial operation model that connects small farmers with large markets, supported by Baoying Rural Commercial Bank [2] - Jiangsu Hongxin Supermarket Chain Co., Ltd. successfully listed on the Hong Kong Stock Exchange, with financial support playing a crucial role in its development, including various inclusive financial policies [2] Group 3 - Yangzhou is focusing on developing six major industrial clusters and thirteen emerging industrial chains, having provided credit services to over 980 technology enterprises [3] - The city plans to expand its financing coordination mechanism to all private and foreign trade enterprises, aiming to enhance satisfaction and accessibility of financial policies [3] - Yangzhou aims to create a business-friendly environment that supports investment, operations, and development for enterprises [3]