对于因外部冲击暂时陷入经营周转困难的外贸企业，工行东莞分行特事特办、急事急办，开辟应急支持 通道。该行大力推广无还本续贷业务，缓解企业短期还款压力，避免资金链断裂导致经营中断。目前， 该行已累计为100余家外贸企业办理无还本续贷业务，金额合计5.53亿元，及时为企业"输血供氧"。此 外，工行东莞分行积极把握人民币国际化机遇，引导和推动企业使用跨境人民币结算，帮助企业降低对 美元结算路径的依赖，有效规避潜在的汇率波动风险，为企业拓展国际市场提供更多元、更安全的结算 选择。 引注跨境融资"源头活水"，畅通发展血脉 为满足外贸企业多元化、低成本的融资需求，工行东莞分行充分发挥工商银行集团全球化经营与综合服 务优势。该行深入实施总行"春融行动"战略，高效整合境内外"两个市场、两种资源"，灵活运用全口径 跨境融资、国际贸易融资全链条、现汇贷款等一揽子跨境融资产品组合，精准滴灌外贸企业。线上"贸 融易"平台成为服务利器，已累计高效服务企业270家，发放融资32.83亿元。同时，该行持续加大表内 信贷支持力度，已累计为510家外贸企业审批表内贷款高达603亿元，有效保障了企业的流动性需求。工 行东莞分行还注重创新联动与综合 ...

Group 1 - Small and micro enterprises are crucial for stabilizing growth, promoting employment, and ensuring livelihoods in the national economy [1] - The Chinese government emphasizes enhancing financial services for the real economy to address the financing difficulties faced by small and micro enterprises [1] - On October 15, 2024, the National Financial Regulatory Administration and the National Development and Reform Commission held a meeting to mobilize support for small and micro enterprise financing [1] Group 2 - Ever since 2025, the Bank of China Dalian Branch has collaborated with local government agencies to organize activities aimed at alleviating financing challenges for small and micro enterprises [3] - The Dalian Branch of the Bank of China has established a financing coordination mechanism to enhance support for small and micro enterprises [5] - The bank has actively promoted financial products and policies through various events to improve awareness and cooperation between financial institutions and small enterprises [3][5] Group 3 - The Dalian Branch has implemented a no-repayment renewal loan policy, facilitating over 100 small and micro enterprises with a total renewal amount exceeding 300 million yuan by June 2025 [5] - The bank aims to enhance its financial support for small and micro enterprises by offering a diverse range of financial services tailored to their needs [5]

Core Viewpoint - The Chinese government is implementing a series of structural monetary policies to support technological innovation, boost consumption, assist small and micro enterprises, and stabilize foreign trade, with a particular focus on addressing the financing difficulties faced by small and micro enterprises [1][2]. Group 1: Financing Support Mechanisms - A coordination mechanism has been established to facilitate quick connections between small enterprises and financial institutions, exemplified by the case of Zhejiang Mailong Electric Co., which received a loan of 9.9 million yuan within three days through a dedicated service team [2][3]. - By the end of June, 960,000 small enterprises in Zhejiang had received credit support through this mechanism, demonstrating its effectiveness in addressing financing needs [3][4]. Group 2: Policy Measures to Reduce Financing Costs - The introduction of an optimized non-repayment loan policy has expanded eligibility to all small enterprises, significantly alleviating their financial burdens and reducing the need for high-cost bridge financing [5][6]. - As of June, the balance of renewed loans for small enterprises reached 820 billion yuan, reflecting a year-on-year increase of 43.8% [6][7]. Group 3: Credit Platforms and Efficiency Improvements - The establishment of credit platforms, such as the "Tianfu Credit Pass," has improved financing efficiency by providing data-driven credit assessments for enterprises lacking collateral, as seen in the case of Tianyun Biotechnology [8][9]. - Various regions are enhancing credit information sharing and improving risk management models to better support small enterprises, thereby addressing the common challenges of financing difficulties and high costs [9][10].

Core Viewpoint - The Chinese government is implementing a series of structural monetary policies to support small and micro enterprises, enhance technological innovation, boost consumption, and stabilize foreign trade, with a focus on resolving financing difficulties for small businesses [3][5]. Group 1: Financing Support Mechanisms - A coordination mechanism has been established to facilitate quick connections between small enterprises and financial institutions, exemplified by the case of Zhejiang Mailong Electric Co., which received a loan of 9.9 million yuan within three days through a dedicated service team [4][5]. - As of June 30, 2023, 960,000 small enterprises in Zhejiang have received credit support through this mechanism, with over 90 million enterprises and individual businesses visited to assess financing needs [5][6]. Group 2: Policy Enhancements - The "no repayment" loan renewal policy has been optimized to include all small enterprises, allowing those with genuine financing needs to apply for renewal support, significantly reducing their financial burden [6][7]. - The average interest rate for newly issued inclusive small enterprise loans was 3.89% in the first half of the year, a decrease of 1.98 percentage points compared to 2020, indicating a favorable trend in financing costs [8][9]. Group 3: Credit Platforms and Efficiency - A credit platform has been developed to improve financing efficiency, allowing enterprises without collateral to secure loans based on their operational data and tax records, as demonstrated by Tianyun Biotechnology Co., which received a 2 million yuan loan [9][10]. - Various regions are enhancing data resource integration and credit information sharing to address the financing challenges faced by small enterprises, aiming to streamline the approval process and improve risk management [10].