工具协同，构建全周期成长之梯。民营企业的成长旅程，从萌芽、成长到成熟，风险特征与融资需求瞬 息万变。20条措施力促"股、贷、债、保、担、投"协同发力，其核心是构建一个与企业生命周期动态适 配的金融工具箱。这超越了传统以信贷为主的单一支持，转向覆盖风险投资、债权融资、信用增信等多 维度的组合式支持。无论是引导"耐心资本"陪伴早期科创，还是推广债券增信模式助力中型企业扩张， 都体现了一种"因时制宜、因企施策"的精准思维。此举旨在帮助企业跨越不同发展阶段的"融资峡谷"， 不仅仅提供资金，更通过多元金融工具优化其资本结构、分散经营风险，为其攀登产业高峰搭建稳固阶 梯，筑牢企业稳健成长之基。 机制护航，筑牢风险抵御之堤。市场经济的魅力在于波澜壮阔，而考验则在于风浪起伏。真正的支持， 不仅见于顺境时的锦上添花，更体现在逆境时的雪中送炭。《措施》强化协调纾困、信用修复与财政金 融协同，其导向是建立一套"市场化、法治化、常态化"的风险缓释与帮扶机制。财政贴息"免申直达"、 融资担保体系"上引下联"，旨在降低帮扶成本、提升响应速度；研究信用修复互认，则是给予一时遇困 企业重塑信用的机会与尊严。这种机制化、前瞻性的安排，为民营企 ...

Core Viewpoint - Dongguan Bank is actively participating in the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" high-quality development project in Guangdong, focusing on providing financial services to support rural revitalization, technological innovation, and the real economy [2] Group 1: Agricultural Financial Services - Dongguan Bank has extended inclusive financial services to rural areas, launching specialized products like "Hundred Thousand Project Loan" and "Lingnan Specialty Agricultural Products Loan" to meet diverse financing needs [3] - As of the end of October, the bank's agricultural loan balance exceeded 21 billion yuan, with a year-on-year increase of 2.7 billion yuan, significantly outpacing the average growth rate of all loans [3] - The bank has implemented the "Government-Bank-Insurance" model for agricultural loans, successfully executing 9 loans totaling 25 million yuan, which reduced guarantee fees for small agricultural enterprises by 200,000 yuan [3] Group 2: Consumer Financial Services - Dongguan Bank has initiated various credit card promotional activities to stimulate urban consumption, partnering with over 300 merchants, leading to credit card spending exceeding 12 million yuan [4][5] - The bank has introduced targeted financing solutions for large consumer purchases, such as "Auto Renewal Installment" and "Home Decoration Installment," with total consumer installment loans exceeding 1.6 billion yuan, including over 600 million yuan for auto loans, reflecting a year-on-year growth of 125.17% [5] Group 3: Support for Small and Micro Enterprises - The bank is focusing on supporting the manufacturing sector, particularly technology-driven and inclusive small and micro enterprises, by enhancing financial services and creating diverse financing platforms [6] - Dongguan Bank has organized three financing matchmaking events this year, engaging over 160 enterprises to provide tailored financial services through direct communication and customized solutions [6] Group 4: Technology-Driven Financial Solutions - The bank has developed an integrated financing service model for technology enterprises, successfully implementing the first "Investment, Guarantee, and Loan" model in the city, providing a total credit of 30 million yuan to tech companies [6] - As of the end of October, the integrated credit service has supported 9 technology enterprises with over 70 million yuan in credit, facilitating the conversion of technological achievements into productive forces [6]