【大河财立方 记者 夏晨翔 文 朱哲 摄影】11月20日，河南省举办2025河南省民营经济高质量发展系列新闻发布会（第一场），介绍今年以来全省民营经济 高质量发展有关情况。 此外，河南省市场监管局推行"信用修复"高效办成一件事，实施企业信用"免申即办""即申即办"快速修复。截至10月底，共为59.77万户经营主体实施信用修 复90.69万条次，为失信企业重建信用、正常经营提供有力支持。 责编:刘安琪 | 审校:李金雨 | 审核:李震 | 监审:古筝 会上，省市场监管局党组成员、副局长庆凌介绍，该局联合中行河南省分行开展"认证贷"工作，截至目前，全省已有2306家小微企业通过"认证贷"获得融资 贷款83.35亿元。 据悉，2025年6月6日，河南省市场监管局与中国银行河南省分行正式签约上线"认证贷"。"认证贷"融资产品主要针对质量管理体系认证提升小微企业提供融 资授信，创新性地将认证证书的"信用价值"与金融服务相结合，为企业提升创新能力和发展活力提供资金支持。 ...

Core Insights - The "Certification Loan+" mechanism was launched by the Henan Provincial Market Supervision Administration and the Bank of China Henan Branch to support enterprise development [1][2] - Since its launch on June 6, 2023, the "Certification Loan" has assisted 1,418 enterprises with a total funding of 5.664 billion yuan, addressing the financing difficulties faced by small and micro enterprises [1] - The upgraded "Certification Loan+" service incorporates 17 quality infrastructure elements into its evaluation system, aiming to provide more tailored resource support to enterprises [1] Group 1 - The "Certification Loan+" mechanism is designed to encourage enterprises to pursue high-quality development by linking quality factors with financial support [2] - The initiative aims to reward enterprises that prioritize quality improvement, adhere to standards, and possess core technologies and management capabilities [2] - The program is expected to enhance the enthusiasm of enterprises across the province for pursuing high-quality development [2]

Group 1 - The core viewpoint of the article highlights the launch of the "Certification Loan+" financial service day by the Bank of China Henan Branch in collaboration with the Henan Provincial Market Supervision Administration, aimed at addressing financing needs for enterprises [1] - The initiative establishes the 5th of each month as "Certification Loan+" financial service day, where both parties will conduct policy interpretation and financing matching activities to assist enterprises directly [1] - The "Certification Loan" service scheme has already provided credit exceeding 5 billion yuan to over 1,400 certified enterprises in Henan Province, showcasing the effectiveness of the partnership [1] Group 2 - The "Certification Loan" product is designed to address the financing challenges faced by small and micro enterprises that often lack assets for collateral, representing a regional financial innovation [1] - The product operates on a closed-loop design of "quality certification - credit enhancement - financing support - industrial upgrading," effectively transforming a company's quality certification into a financing pass [1] - This initiative aims to create a virtuous cycle of "promoting financing through credit and promoting production through financing," thereby injecting new momentum into the high-quality development of the private economy [1]

Core Viewpoint - The collaboration between the Bank of China Henan Branch and the Henan Provincial Market Supervision Administration aims to enhance financial services for enterprises through the "Certification Loan+" initiative, establishing a monthly service day to address financing needs effectively [1] Group 1: Financial Services Initiative - The "Certification Loan+" financial service day is officially set for the 5th of each month, where both parties will conduct policy interpretation and financing matchmaking activities [1] - The "Certification Loan" service plan has already provided over 5 billion yuan in credit to more than 1,400 certified enterprises in Henan Province [1] Group 2: Strategic Goals - The launch event signifies a transition from initial cooperation to deeper empowerment, aiming to create a regular, systematic, and branded model for enterprise support services [1] - The Bank of China Henan Branch will continue to strengthen resource coordination, deepen cooperation, and innovate product services to contribute to the high-quality economic development of Henan [1]

Core Viewpoint - The Gengyi City Market Supervision Administration has implemented financial support measures to alleviate the financing difficulties faced by small and micro enterprises, achieving over 100 million yuan in cumulative financing through intellectual property pledge financing and certification loans [1][5]. Group 1: Financing Initiatives - The two financing channels, intellectual property pledge financing and certification loans, have collectively exceeded 100 million yuan [1]. - The certification loan product, which uses certification certificates as credit guarantees without requiring physical collateral, offers a maximum credit limit of 20 million yuan and has issued loans totaling 30 million yuan since its launch in June [5][10]. Group 2: Impact on Enterprises - A representative from a specialized technology enterprise expressed gratitude for the "intellectual property loan," stating that it transformed their patents into "active capital" to expand production [5]. - The initiatives successfully convert the technological capabilities and management standards of enterprises into financing "passports" [10]. Group 3: Future Plans - The Gengyi City Market Supervision Administration plans to continue optimizing services and deepen cooperation between government, banks, and enterprises to inject stronger momentum into the private economy [10].

Core Viewpoint - The recent Central Financial Committee meeting emphasized the need to advance the construction of a unified national market, with banks playing a crucial role in supporting enterprises to move away from low-price competition and enhance product quality [1] Financial Precision Empowerment - Low-price competition is a persistent issue hindering the development of certain industries in China, leading to profit sacrifices and quality declines [1] - Banks are optimizing credit resource allocation to guide enterprises towards investing in technological innovation and product upgrades, exemplified by the "Certification Loan" product from Bank of China, which links credit limits to quality certification results [2] - As of May, the Bank of China’s Luoyang branch provided 66.5 billion yuan in credit support to nearly 10,000 private enterprises, with over 30% of the funds directed towards certified quality enterprises [2] - Banks are also utilizing supply chain financial services to help core enterprises enhance supply chain stability and efficiency while providing financing support to upstream and downstream SMEs [2] - Differentiated credit policies are recommended, where banks could raise credit approval thresholds for companies relying on low-price competition while offering favorable terms to those focusing on innovation and quality [2][3] Promoting Industrial Upgrading - Product quality is vital for enterprise development and is a key support for the construction of a unified national market [4] - In Chongqing, the Bank of China provided 4.5 million yuan in loans to two processing enterprises in the local food industry to upgrade equipment and optimize processes, resulting in a 30% improvement in product uniformity [4] - The banking sector is supporting green transformation through green credit and bonds, aiding enterprises in energy conservation and resource recycling projects [4][5] - Collaboration with industry associations and research institutions is being pursued to provide technical support and consulting services to enterprises [4] Quality Improvement Initiatives - Banks are encouraged to provide long-term stable funding for quality improvement projects, addressing financial bottlenecks for enterprises [5] - Partnerships with quality testing and certification agencies are suggested to offer one-stop services for enterprises to enhance product quality [5] - Development of green financial products is essential, with banks urged to issue green bonds and optimize green credit systems to support projects in energy conservation and resource recycling [5]