2024年10月15日，金融监管总局联合国家发展改革委正式启动支持小微企业融资协调工作机制，标志着 我国小微企业融资服务体系进入全新阶段。 这一机制以区县工作专班为抓手，着力构建政府引导与市场运作协同发力的融资对接平台，旨在打通银 行信贷资源流向小微企业的"最后一公里"。 今年5月19日，国家金融监督管理总局等八部门联合发布《支持小微企业融资的若干措施》，将深化该 机制建设列为首要任务，并从八个维度推出23项具体举措，为小微企业融资破局提供政策工具箱。 第一财经记者采访获悉，自支持小微企业融资协调工作机制启动以来，各地积极响应，发挥基层协同治 理效能，跟进辅导、靶向破解企业融资难题，聚焦重点领域、加大信贷投放力度，贴合小微企业需求、 精准适配金融产品。金融监管总局最新数据显示，银行对支持小微企业融资协调工作机制推荐清单内经 营主体新增授信已超18万亿元。 靶向破解难题 在创新服务模式的同时，各地聚焦企业融资痛点，强化跨部门协同，通过政策组合拳靶向解决融资难 题，加大对重点领域的信贷支持力度。 针对不动产抵押难题，多地专班发挥协调优势。在辽宁省鞍山市，某工贸公司因扩大生产急需流动资金 贷款，但厂房产权问题导致抵 ...

Core Insights - The article discusses the efforts made by local work teams to support small and micro enterprises in securing financing through various innovative mechanisms and collaborations with financial institutions and local governments [1][2][3]. Group 1: Credit Expansion Efforts - Financial institutions have been guided to increase credit loans to small and micro enterprises, with over 18 trillion yuan in new credit granted to recommended entities [1][7]. - Innovative credit systems, such as the "Puhui Jinfen Loan" product in Tianjin, have been implemented to provide quick financing solutions, exemplified by a 10 million yuan credit approval for a tech-focused small enterprise [1]. - In Shandong Province, a vegetable cooperative received 500,000 yuan on the same day of application through a dual guarantee mechanism based on transaction data [2]. Group 2: Addressing Practical Challenges - Local work teams have actively assisted small enterprises in resolving issues related to property rights and financing refusals due to frozen equity [3][4]. - In Beijing, a construction company received a 10 million yuan loan after local authorities expedited the verification of property rights [3]. - A natural gas company in Yunnan was able to secure a 5 million yuan loan through cross-regional coordination and innovative collateral solutions [4]. Group 3: Risk Sharing Mechanisms - The establishment of risk-sharing mechanisms is crucial for improving financing access for small and micro enterprises, as highlighted by the case of an environmental company in Hunan that received a 10 million yuan loan with significant risk-sharing from local financial institutions [5][6]. - The article emphasizes the importance of developing third-party credit assessment and risk-sharing frameworks to lower the costs of obtaining credit information for financial institutions [6]. - It is suggested that financial institutions should create dedicated departments for small and micro enterprises to streamline financing processes and reduce costs [6].