Core Viewpoint - During the "14th Five-Year Plan" period, Dezhou City has made significant achievements in high-quality financial development, focusing on enhancing financial support for the real economy and improving the efficiency of financial resource allocation [1][2][3] Group 1: Financing Channels and Financial Services - Dezhou City has implemented multiple measures to streamline financing channels and enhance financial service levels, resulting in a total market-oriented financing of 6.52 billion yuan and helping enterprises resolve financing issues amounting to 6.994 billion yuan [1] - The city has established strategic cooperation agreements with 16 provincial banks and other financial institutions, promoting interaction between government, banks, and enterprises through various financing connection activities [1] Group 2: Innovative Financial Services - Dezhou City has pioneered several financial service measures to address enterprise financing difficulties, including the "Gold Service System" and innovative financing products such as "no repayment renewal loans" and "seamless renewal loans" [2] - The introduction of micro-innovative services like "order grabbing system" and "financial service specialists" has facilitated rapid access to financial services for enterprises [2] Group 3: Financial Service Brand Development - The city has actively developed the "Gold Service Hui De" brand, creating a comprehensive financial advisory system that includes financial executives, advisory teams, and service specialists [3] - Over the "14th Five-Year Plan" period, more than 300 government-financial-enterprise connection activities have been organized, visiting over 7,000 projects and enterprises, resulting in a financing scale exceeding 150 billion yuan [3]

Core Insights - The article highlights the achievements of Dezhou's fiscal development during the "14th Five-Year Plan" period, emphasizing the city's commitment to high-quality economic and social development through enhanced fiscal strength and efficiency [3] Fiscal Performance - The total fiscal revenue is projected to reach 125.4 billion yuan, an increase of 26.6 billion yuan or approximately 27% compared to the "13th Five-Year Plan" period [3] - General public budget expenditure is expected to exceed 290 billion yuan, marking an increase of 96.6 billion yuan or 47.7% from the previous period, with an optimized expenditure structure focusing on key areas [3] Policy Implementation - Over 110 billion yuan in various transfer payment funds has been secured to ensure effective policy implementation [3] - Structural tax reduction policies have been enacted to support technological innovation and manufacturing sectors [3] - 3.44 billion yuan has been allocated for large-scale equipment updates and consumer product replacements, promoting industrial structure optimization [3] Social Welfare - More than 240 billion yuan has been allocated for social welfare-related expenditures, maintaining around 80% of the general public budget [4] - Social security and employment expenditures amount to 53.6 billion yuan, with an average increase of 23.6% in nine types of assistance standards [4] Risk Management - A comprehensive plan has been established to prevent and mitigate local debt risks, with ongoing monitoring of government and hidden debts [4] - Financial risk management strategies have been implemented to address risks in small financial institutions and illegal fundraising [4] Fiscal Reform and Management - A new budget performance management system has been developed, creating a replicable "Dezhou model" [5] - Reforms in government procurement and financial sectors have been initiated to enhance efficiency and support national market construction [5] Financial Sector Development - Loan issuance has seen an average annual growth rate of 12.77% from 2021 to 2024, with a total loan balance of 447.42 billion yuan as of September 2025, reflecting a year-on-year growth of 9.39% [6] - The city has added 2 new listed companies and 396 new registered enterprises since 2021, with total direct financing reaching 87.09 billion yuan [6]

记者调研发现，目前小微金融的存量市场竞争相对激烈，那些资质好、信用优、前景好的企业普遍被多 家银行争抢，贷款价格也普遍较低。相比之下，一些成立时间短、掌握核心技术、具有发展潜力的企 业，尤其是初创期科技型企业尚未获得高质量金融服务。多位业内人士表示，除部分小微企业信用风险 较高、不符合信贷准入条件外，不少企业缺乏信用信息，银行看不懂、看不清、看不准。 "我们将深入推进中小企业'无缝续贷'，按照零门槛申请、零费用办理、零周期续贷原则，指导银行跨 前一步，主动摸排借款人需求，第一时间为其办理相关业务。"上海金融监管局上述负责人说，力争 2025年"无缝续贷"累计投放超1万亿元，中小企业"无还本续贷"比去年增加投放1000亿元。 截至今年3月末，上海市已投放"无缝续贷"3195亿元，同比增长15.9%，其中，"无还本续贷"807亿元， 同比增长67%。 除了增量、扩面、降本，小微金融服务还将开拓更多"新客户"。记者从金融管理部门获悉，接下来，将 引导银行业加大首贷、信用贷、中长期贷、法人类贷款、民营类贷款投放。其中，首贷户俗称"白户"， 也就是从未在银行贷过款的小微企业或个体经营主。 如何让小微企业拿到"第一笔贷款 ...

上海：今年力争全市首贷户新增2万户以上，无缝续 贷累计投放超1万亿元 3月26日，上海金融监管局印发《关于深化融资畅通工程 服务民营经济高质量发展的通知》（下称《通 知》），从加大信贷投入、坚持问题导向、突出服务重点、推进对外开放、加大政策供给、强化监管引 领六大方面提出20条举措，坚持"两个毫不动摇"，坚持金融服务实体经济的根本宗旨，旨在进一步促进 融资畅通，提升民营企业融资便利性。 据上海金融监管局介绍，2024年，该局实施"融资畅通"工程取得突出成效，引领普惠金融工作再上新台 阶。其中，普惠贷款保持增量扩面提质增效，贷款余额1.3万亿元，高于各项贷款增速7.2个百分点，综 合融资成本持续下降；率先将中型企业纳入无缝续贷范围，引导银行机构应续尽续加大续贷占比，连续 三年续贷投放额突破一万亿元；构建纾困融资长效机制，为暂时困难企业雪中送炭，全年投放纾困融资 5153亿元，为200多万人提供稳就业服务。 与此同时，《通知》还提出要加大政策供给，进一步优化民营企业融资环境。各金融机构要合理提高民 营企业不良贷款容忍度，建立健全民营企业贷款尽职免责机制。要明确不同类型业务履职标准，细化免 责正负面清单。对无确切证 ...