在当前金融业竞争越发激烈、改革不断深化的背景下，怎样实现高质量、可持续的发展，是摆在所 有金融机构面前的重大课题。四川洪雅农商银行（以下简称"洪雅农商银行"）近年来紧密围绕高质量发 展的目标要求，秉持"从细处着手，在实处着力"的工作方法，以思想破冰引领行动突围，以作风转变促 进效能提升，以机制创新激发内生动力。在业务经营、风险化解、深化改革等方面取得了一系列突破性 进展，全行发展质量显著提高，全省系统内综合排名持续上升，近两年全省系统考评排名分别为第6 名、第3名（县级行第1），先后获得省行"2022年度扩面强基先进单位""2022年摸清市场边界 逼近市场 边界先进单位""2024年度市场竞争力先进单位"，2023年、2024年连续两年被评为"先进农商行"，走出 了一条独具自身特色的高质量发展之路。 一是剖析根源，完善制度。通过召开作风整顿暨效能提升大会，深入剖析问题根源，明确提出"转 变思想、强化作风、严格纪律、提升素质、抓好督导"的具体要求。印发《关于进一步提升工作效能有 关事项的通知》，针对劳动纪律、工作纪律、廉洁纪律等作出30款详细规定，让作风建设有章可循。 二是机制保障，层层跟进。创新建立并深入实践 ...

Core Viewpoint - The article discusses the measures implemented by various financial and governmental institutions in Sichuan Province to enhance the credit system for small and micro enterprises, aiming to address their financing challenges effectively [1][2][3][4]. Group 1: Financial Support for Small and Micro Enterprises - The measures emphasize increasing financial support for small and micro enterprises by enhancing credit supply and ensuring that banks focus on the genuine financing needs of these businesses [1][2]. - A coordinated approach among government, banks, enterprises, and society is proposed to improve the accuracy of credit recommendations and ensure that eligible enterprises receive timely loans [1][2]. Group 2: Reducing Financing Costs - The measures call for banks to set reasonable loan interest rates based on the Loan Prime Rate (LPR) and the characteristics of small and micro enterprises, ensuring that policy benefits are passed on to these businesses [2]. - There is a focus on optimizing risk compensation mechanisms and encouraging government-backed financing guarantees to lower overall financing costs for small and micro enterprises [2]. Group 3: Supporting Equity Financing - The measures encourage financial institutions to provide equity pledge financing services to small and micro high-tech enterprises that are temporarily unable to go public due to policy adjustments [2]. - Support is also extended for eligible small enterprises to list on the New Third Board and eventually on the Beijing Stock Exchange, promoting investment in innovative small and micro enterprises [2]. Group 4: Enhancing Financial Service Capabilities - The measures propose the implementation of a "Financial Service Capability Improvement Project" to strengthen banks' willingness and ability to lend to small and micro enterprises [3]. - Banks are encouraged to explore various loan products and utilize credit information resources to enhance the precision of financial services provided to small and micro enterprises [3]. Group 5: Additional Measures - The measures outline specific arrangements to improve the credit system aimed at serving small and micro enterprises, leveraging fiscal and tax policies, and fostering a favorable social credit environment [4].