图片来源：摄图网授权 ■中国经济时报记者 李银雁 为确保政策落地见效，广西构建了多维度工作体系。在协同机制上，建立财政、金融、行业主管部门横向协同，自治区、市、 县纵向联动的工作格局，财政部门创新贴息资金直接拨付方式，减少中间环节，提升企业获得感。在产品服务上，精简贴息产 品种类，设立"柳州工业贷""南丹关键金属贷""AI贷"等创新产品，其中"柳州工业贷"已为入库企业放贷104.15亿元，降低成本 1.75亿元。在服务效率上，依托"桂惠通"平台打造AI顾问"桂e融"，实现融资服务全流程线上化，截至11月末，平台注册企业 35.96万户，累计发布融资需求近3.44万亿元，帮助企业获得贷款超1.2万亿元。 据介绍，针对民营中小微企业发展、科技创新等社会关切问题，广西相关部门在贯彻落实自治区金融惠企政策上做了大量有效 工作。广西壮族自治区财政厅通过创设"普惠经营贷"、提高重点领域贴息产品民营企业比例、增加担保费补贴等举措，缓解企 业融资难题。中国人民银行广西壮族自治区分行牵头开展民营小微金融服务提升行动，截至11月末，广西民营经济贷款余额达 1.23万亿元，普惠小微信用贷款占比41%，高于全国平均水平。广西金融监管 ...

新华社南宁12月19日电（记者农冠斌）记者19日从深入实施金融惠企政策支持广西经济高质量发展新闻 发布会上了解到，截至12月18日，广西金融机构累计投放小微企业贴息贷款871.56亿元，惠及3.43万户 经营主体，户数占比达98.68%，贷款贴息后加权平均利率仅2.06%。 据介绍，广西深入实施金融惠企政策，将小微企业作为普惠金融的重点支持对象，在金融惠企财政贴 息、担保费用补贴等方面对小微企业进行了倾斜支持。 与此同时，自治区党委金融办会同财政、金融监管等部门，积极优化金融工具，创新政策"组合拳"，推 动出台《广西金融惠企三年行动方案（2025—2027年）》，进一步畅通实体经济融资渠道。（完） 自治区党委金融办副主任杨瑞华介绍，在金融惠企财政贴息贷款支持方面，自治区设立"普惠经营贷"专 项以支持小微企业融资。在金融惠企担保费用补贴支持方面，对符合条件的融资担保贷款提供0.2%或 0.4%担保费用补贴，持续提高对小微企业的融资担保增信作用；在政策融合叠加支持方面，推动自治 区金融惠企财政贴息、担保费率补贴政策与中央相关政策融合实施，积极引导更多金融资源流向小微企 业、民营企业，切实降低相关经营主体综合融资成 ...

Core Insights - The Guangxi Finance Department is enhancing cross-border financial services to support private enterprises in expanding into the ASEAN market through fiscal incentives, expanded enterprise lists, and government-business-bank financial connections [1][2] Group 1: Financial Incentives - Guangxi Finance Department offers a reward of 0.1% on the settlement amount for non-financial enterprises using cross-border RMB for trade settlements exceeding 5 billion RMB, with a maximum annual reward of 1 million RMB per enterprise [1] - A total of 24 million RMB has been allocated for this incentive by 2025 [1] Group 2: Simplified Financial Processes - Financial institutions in Guangxi are streamlining settlement processes and reducing processing times, enabling same-day cross-border RMB remittances with zero fees [1] - Increased interest subsidy support for private enterprises is provided through "Inclusive Business Loans," focusing on key areas like agriculture and industry [1] Group 3: Support for Exporting Enterprises - The support mechanism for private trade and product enterprises has been optimized, offering a loan interest subsidy of 2.88% with a maximum annual subsidy of 10 million RMB per enterprise [2] - The "No Repayment Renewal Loan" policy is introduced to alleviate the cash flow pressure for private enterprises exporting Guangxi's specialty products [2] Group 4: Cross-Border Trade Facilitation - Guangxi organizes government-business cooperation meetings to establish a long-term mechanism for bank-enterprise connections, regularly hosting ASEAN cross-border trade matching events [2] - Financial institutions are encouraged to launch cross-border financing products, with several banks innovating products like "ASEAN Trade Loans" and "Cross-Border Supply Chain Financing," supported by fiscal loan interest subsidies and guarantee fee subsidies [2]

Group 1 - The core viewpoint of the articles highlights the efforts made by Shandong province to support small and micro enterprises in overcoming financing challenges through coordinated mechanisms and innovative financial products [3][4][6] - The Jianwei Chicken Farm in Shanting District successfully secured an 800,000 yuan loan after a collaborative effort involving local financial monitoring centers and banks, which improved its breeding efficiency by 20% [1][3] - As of the end of October, Shandong province has conducted 1,638 joint consultations, resolving financing issues for 4,977 enterprises, demonstrating a proactive approach to enhancing the financing accessibility for small businesses [3][4] Group 2 - The Shandong government has implemented a "what's missing, supplement what's missing" principle to address common financing obstacles faced by small enterprises, such as lack of collateral and poor financing connections [4] - Financial institutions are encouraged to promote credit-based financial products like "Silver Tax Interactive Loans" and "Talent Loans" to better serve small businesses lacking traditional collateral [4] - The Postal Savings Bank tailored a financial service solution for Shandong Yatai New Materials Technology Co., providing 15 million yuan in working capital loans and 30 million yuan in discount acceptance, reflecting the adaptability of financial services to meet specific enterprise needs [6]

Group 1 - The Guangxi Finance Department is enhancing financial support for the private economy by utilizing various policy tools such as fiscal interest subsidies, financing guarantees, and guiding funds to direct more financial resources towards the private sector [1][2] - In 2024, Guangxi plans to allocate 3.05 billion RMB in interest subsidies, guiding financial institutions to provide 231.734 billion RMB in loans under the "Guihui Loan" program, with 182.428 billion RMB specifically for private enterprises, benefiting 102,500 businesses and reducing their financing costs by 2.307 billion RMB [1] - The "Guangxi Financial Support for Enterprises Three-Year Action Plan (2025-2027)" has been introduced, focusing on supporting private enterprises through the creation of "Inclusive Business Loans" [1] Group 2 - The Guangxi Finance Department is guiding the establishment of market-oriented investment funds, including a minimum 10 billion RMB artificial intelligence industry fund, to invest in technology-driven private enterprises and facilitate their transformation towards high-end, intelligent, and green development [2] - For cross-border trade, enterprises engaging in over 500 million RMB in cross-border RMB trade settlement will receive a reward of 0.1% of the settlement amount, with a maximum annual reward of 1 million RMB per enterprise, aiding private enterprises in expanding into international markets [2] - The Guangxi Finance Department plans to continue optimizing fiscal policy supply and enhancing the collaboration of financial policy tools to ensure that policy benefits reach private economic entities accurately [2]

Group 1 - The core viewpoint of the article is the introduction of the "Guangxi Financial Support for Enterprises Three-Year Action Plan (2025-2027)" aimed at enhancing financial support for the real economy and promoting high-quality development in the region [3][5][9] - The plan aims to mobilize a total of 75 billion yuan in various fiscal funds by 2027, which is expected to lead to over 600 billion yuan in fiscal interest loans, more than 100 billion yuan in subsidized financing guarantees, and over 300 billion yuan in bond issuance [5][21] - The plan emphasizes three key areas: major projects, key industries, and inclusive finance, addressing the challenges of high financing costs and difficulties in accessing funds [6][9] Group 2 - The plan proposes a comprehensive use of financial tools such as equity, debt, insurance, and financing guarantees, along with various policy instruments like interest subsidies and risk compensation to support high-quality development [4][6] - It introduces innovative measures to match financing needs with financial tools for enterprises in major projects, key industries, and inclusive finance, including the provision of dual advisory services from financial experts and AI [6][8] - The plan aims to optimize the financing coordination mechanism, ensuring effective communication and collaboration among various financial institutions and government departments [8][18] Group 3 - The plan outlines ten measures to broaden financing channels, enhance financing accessibility, and build a financing service system [10][15] - It aims to increase bank credit input, targeting an annual loan amount of no less than 100 billion yuan for agricultural and small business support, and to streamline the process for companies to access capital markets [11][14] - The plan also focuses on promoting financial product innovation and reducing overall financing costs for small and micro enterprises, including the introduction of new loan products and flexible repayment options [15][16] Group 4 - The plan includes specific fiscal policies such as the "Loan Interest Subsidy Plan" and the "Guarantee Fee Subsidy Plan," which aim to alleviate financing difficulties for enterprises by providing direct subsidies and support for guarantee fees [20][21] - The "Loan Interest Subsidy Plan" will integrate 2.2 billion yuan of fiscal funds in 2025 to subsidize interest on eligible loans, while the "Guarantee Fee Subsidy Plan" will allocate 100 million yuan to support credit enhancement through financing guarantee institutions [21][23] - The plan emphasizes the importance of leveraging fiscal funds to guide financial support for the real economy, enhancing the efficiency of fund allocation and ensuring that financial resources are directed towards productive activities [22][24] Group 5 - Financial institutions in the region are responding quickly to the plan, focusing on policy promotion, process optimization, and comprehensive strategies to ensure effective implementation [24][25] - Banks like Guangxi Beibu Gulf Bank and Guilin Bank are actively engaging in training and policy dissemination to facilitate the application of the financial support measures, ensuring that enterprises can access the benefits [25][27] - The Guangxi Financing Guarantee Group is enhancing its services to reduce financing costs for small and micro enterprises, ensuring that the financial support policies are effectively communicated and implemented [28]