小微企业是国民经济的"毛细血管"，是稳增长、促就业、保民生的重要力量。当前，面对复杂多变的经济 形势，小微企业的发展更需要金融活水的精准灌溉。党中央、国务院高度重视普惠金融工作，多次强调 要"增强金融服务实体经济能力，切实解决小微企业融资难、融资贵问题"。2024年10月15日，国家金融监 督管理总局与国家发展改革委联合召开支持小微企业融资协调工作机制动员部署会议，根据国家金融监管 总局大连监管局、大连市发展和改革委员会和中国光大银行总行支持小微企业融资协调工作机制的部署和 要求，光大银行大连分行第一时间成立小微企业融资协调机制工作专班，由分行党委书记、行长担任组 长，同时定期召开落实小微企业融资协调工作机制专题会议，促进协调机制在大连分行更好落地见效。 2025年以来，为贯彻落实国家支持外贸小微企业、科技型小微企业发展的政策，进一步缓解小微企业融资 难、融资贵的问题，光大银行大连分行联合大连市商务局、大连市工商联、区科技局、区工商联、区县街 道等机构共同组织召开银企对接活动，借助小微企业银企对接会加大对小微企业支持力度，做深做实小微 企业融资协调工作机制。 同时该行组织辖内各经营机构积极对接区县开展小微企业 ...

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].