Core Viewpoint - The newly revised "Regulations on Ensuring Payment of Small and Medium-sized Enterprises" aims to encourage financial institutions to increase credit support for SMEs, thereby reducing their overall financing costs and facilitating financing backed by accounts receivable, intellectual property, government procurement contracts, inventory, and machinery [1] Group 1: Innovative Guarantee Methods - Innovative guarantee methods have become crucial for banks to support the development of SMEs and stimulate market vitality [2] - Traditional financing guarantees often rely on fixed assets like real estate, which many SMEs lack, making it difficult for them to meet banks' stringent collateral requirements [2] - Accounts receivable pledge financing is a viable path, allowing banks to provide loans based on the real trade receivables between SMEs and core enterprises, thus helping to alleviate cash flow issues [2] Group 2: Intellectual Property Financing - Intellectual property pledge financing is a promising innovative method, especially for technology-based SMEs, as their intellectual property is a core asset [2] - Banks can collaborate with professional IP assessment agencies to reasonably value patents, trademarks, and copyrights, using them as collateral for loans [2] Group 3: Government Procurement Contract Financing - Banks should enhance information sharing and collaboration with government departments to provide financing support based on government procurement contracts once SMEs win bids [3] - This financing can help cover upfront costs such as raw material procurement and equipment leasing, ensuring project progress [3] Group 4: Inventory Financing - Inventory financing is another area worth exploring, particularly for SMEs in trade and manufacturing, as inventory is a significant asset [3] - Banks can involve third-party monitoring agencies to conduct real-time monitoring and dynamic assessment of inventory, using it as collateral for financing [3] Group 5: Mutual Benefits - By innovating guarantee methods to support SME financing, banks can alleviate SMEs' financing difficulties, promote their growth, and contribute to the development of the real economy [3] - This approach also allows banks to expand their business areas, optimize client structures, and reduce credit concentration risks, achieving a win-win situation [3]

政府采购合同融资，是供应商凭借获得的政府采购合同，向金融机构申请融资贷款。这种创新的融资模 式，将政府采购合同信用转化为企业融资资本，为中小企业开辟了一条全新的融资渠道，有效破解了中 小企业融资难、融资贵问题。 记者从内蒙古自治区财政厅获悉：截至2025年4月底，今年内蒙古政府采购合同融资额突破3亿元，累计 达到18亿元，超600户中小企业享受到融资便利。这标志着，内蒙古在运用政府采购政策助力中小企业 融资方面取得重大进展，为持续优化营商环境、推动经济发展注入资金动力。 据悉，上述资金重点被企业用于扩大生产、更新设备、提升技术水平等，使企业在市场竞争中更具活 力。 自2021年6月以来，内蒙古自治区财政厅大力推进政府采购合同融资，特别是通过搭建金融服务平台， 实现了财政部门与供应商、金融机构之间的信息互联互通，有效简化了融资流程。在政策推动下，各金 融机构积极响应，纷纷创新推出适应需求的金融产品，降低融资门槛，提高融资额度，为全区中小企业 提供了更加便捷、高效的融资服务。 为进一步提高企业融资效率，自治区财政厅与入驻平台的金融机构对接，开展"融资直通车"试点合作， 就是在提前授信计算、提高放款额度、缩短审批流 ...

截至2025年4月底，内蒙古政府采购合同融资额突破3亿元，历史累计达到18亿元，超600家中小企业享 受到融资的便利。这些资金被用于扩大生产、更新设备、提升技术水平等关键领域，使企业在市场竞争 中更具活力。这一成果标志着内蒙古在运用政府采购政策助力中小企业融资方面取得了重大进展，为持 续优化营商环境、推动区域经济发展注入资金动力。 为进一步提高企业融资效率，自治区财政厅积极与入驻平台的金融机构对接，开展 "融资直通车" 试点 合作。在提前授信计算、提高放款额度、缩短审批流程、加速放款到账、锁定回款账号等环节持续优 化，为企业提供利率优惠、流程快捷、额度灵活的政府采购合同融资服务。试点合作开展以来，融资企 业从提交融资申请到收到贷款的时间大幅缩短，政府采购合同发布后最快1小时资金即可到账，最高授 信额度可达1000万元，单笔融资额度按照中标合同金额的90%确定，极大程度地满足了企业的资金需 求。 下一步，自治区财政厅将持续深化政府采购制度改革，进一步推动政府采购合同融资工作迈上新台阶。 通过不断完善政策体系、优化服务流程、加强宣传推广等措施，为中小企业发展创造更加良好的环境， 让更多的金融"活水"精准流向中小企 ...