"'认证贷+'的核心价值在于以质量要素为纽带，激励企业走高质量发展道路。"河南省市场监管局党组 成员、副局长佟桁表示，"希望通过这一机制，让重视质量提升、坚守标准规范、拥有核心技术与优质 管理能力的企业，能获得更实在的发展助力，进一步激发全省企业追求高质量发展的积极性。"（记者 杨会玲 通讯员 付利） 为进一步扩大服务覆盖面、提升服务精准度，河南省市场监管局联合合作方，在原"认证贷"基础上实 施"提质扩围"，全面升级推出"认证贷+"服务。记者了解到，此次升级的最大亮点，是将质量管理、标 准、计量、知识产权等17项与企业密切相关的质量基础设施要素纳入服务评价体系，通过对企业"软实 力"的专业化评估与认可，帮助企业在发展过程中获得更匹配的资源支持，助力企业降低运营成本、提 升发展底气。 8月28日，河南省市场监管局与中国银行河南省分行共同启动"认证贷+"机制，并将每月5日定为专属服 务日，为企业发展提供有力支撑。 记者从启动仪式上获悉，"认证贷"业务自今年6月6日正式推出以来，截至8月22日，已成功为1418家企 业解决发展资金需求，累计支持金额达56.64亿元，有效缓解企业特别是中小微企业"融资难、融资 贵"问 ...

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]