Core Viewpoint - Shaanxi Province's Shanzhou District has established a "financial ecological circulation system" through a three-dimensional linkage mechanism involving government guidance, proactive bank engagement, and active enterprise participation, effectively addressing the financing challenges faced by small and micro enterprises. Group 1: Enterprise Self-Reliance - The establishment of a "self-blood-making system" focuses on creating a financialized mutual assistance network among industries, with a "mutual guarantee fund pool" facilitating inter-enterprise financial support. In the first three quarters, the output value of the metal and non-metal materials industry reached 6.429 billion yuan, while the intelligent manufacturing industry achieved 2.525 billion yuan, resulting in over 120 financing batches totaling 65 million yuan within the industry clusters [2] - A focus on core technologies and brand value is driving enterprises towards digital transformation and project development, with 353 technology innovation projects reserved, totaling an investment of 80.278 billion yuan, providing a source of financing [2] - A financial management health monitoring mechanism has been established to promote standardized financial management, leading to the signing of 47 projects with a total investment of 5.27 billion yuan, facilitating positive capital flow [2] Group 2: Bank Empowerment - The expansion of credit loan offerings aims to reduce costs and increase access for small and innovative enterprises, with banks visiting over 34,000 enterprises and providing concentrated credit of 520 million yuan, resulting in loan disbursements of 360 million yuan [3] - Financial products are being optimized to ensure precise resource allocation towards green and specialized industries, with 42 financial product project libraries established and 20 VEP projects planned [3] - Digital inclusive finance is being promoted through products like "Qin e-loan" and "Qin V-loan," achieving a loan balance of 1.767 billion yuan across over 48,000 signed loans [3] Group 3: Policy Regulation - A targeted approach to fiscal funding has been adopted, with 108 policy funding projects submitted and 61 approved, injecting 571 million yuan into 48 projects and leveraging over 30 billion yuan in major project investments [4] - The planning of bond funds aims to balance financing returns and activate "future funds" for current development, with 114 million yuan in national special bonds and 269 million yuan in provincial special funds allocated [4] - Collaborative funding management is enhancing regional development, with 22 million yuan allocated for village collective industry funds and 19.4 million yuan for edible fungus subsidies [4] Group 4: Risk Mitigation - A "助保贷" mechanism has been established to support small and micro enterprises, with emergency loan funds assisting 30 struggling enterprises in obtaining 41.7 million yuan [5]

Core Viewpoint - The event aimed to address the financing challenges faced by local businesses and individual entrepreneurs by providing tailored financial services and promoting inclusive financial policies [1][3]. Group 1: Event Overview - The "Credit + Finance" policy seminar was held on July 3, organized by the Jintai District Market Supervision Administration [1]. - The seminar gathered various stakeholders including the district market regulation bureau, development and reform bureau, municipal credit loan platform, local government, and multiple financial institutions [3]. Group 2: Financial Services Offered - Jintai Rural Commercial Bank's Panlong branch introduced specialized credit products for small and micro enterprises, such as "Qin Zengxin," "Qin e Loan," and "Small Credit Loans for Farmers," which are characterized by low interest rates and convenience [5]. - The branch provided one-on-one financial services, helping businesses navigate the loan application process and match them with suitable financing solutions [5]. Group 3: Engagement and Follow-up - Over 50 market entities participated in the seminar, allowing the Panlong branch to collect financing needs directly from businesses [5]. - The bank plans to enhance collaboration with government and enterprises, regularly conducting financial knowledge dissemination and financing connection activities to support the high-quality development of the local economy [5].