就像广西一家新型材料企业，想升级生产线却面临3亿资金压力，连原材料采购都因账期问题受阻，直 到找到适配的金融方案，拿到长期贷款和灵活流动资金，才顺利建成生产基地，年产值突破3亿元。可 见不是没有融资渠道，而是没找对适配自己的那一个。 二、划重点：这3类融资方向，中小企业优先看 不用盲目跟风找融资，这3类渠道门槛相对低、适配性强，优先了解准没错： 1.政策类融资：国家和地方都有针对中小微企业的普惠政策，比如支小再贷款、财政贴息、"专精特 新"企业绿色通道等。这些政策大多有利率优惠，部分还能降低抵押要求，关键是要关注本地工信局、 中小企业服务中心的通知，别等政策过期才知道。 2. 供应链金融：如果企业是产业链上的一员，可依托核心企业的信用获取融资。比如上游供应商可以用 应收账款做保理融资，不仅能缩短账期，还能实现"随借随还"，大大缓解现金流压力。这种方式不用复 杂的抵押，只要贸易真实，审批速度也比较快。 "订单来了，却没钱采购原材料""想升级设备扩大产能，资金缺口卡得死死的""旺季来临急需现金流， 融资渠道却一头雾水"……不少企业尤其是中小微企业，都曾被这样的资金难题困住发展脚步。其实融 资不是"碰运气"，找对方 ...

Core Insights - The general public budget revenue has shown significant recovery, with a year-on-year growth of 0.1% from January to July, marking the first positive growth this year, indicating economic resilience [2][4][14] - The land market remains sluggish, with government fund budget revenue growth weak, reflecting ongoing challenges in the real estate sector [2][8] - Fiscal expenditure has ramped up, with a broad fiscal expenditure growth rate of 9.3%, the highest level in recent years, driven primarily by central government spending [3][10][14] - The structure of fiscal expenditure is optimizing, with a focus on social welfare and education, alongside new policies aimed at supporting families and boosting consumption [3][12] Revenue Analysis - From January to July, the general public budget revenue growth rate turned positive for the first time this year, with July showing a 2.6% increase, the highest monthly growth rate [2][4] - Tax revenue recovery is a key driver, with personal income tax, domestic VAT, and domestic consumption tax showing year-on-year growth rates of 8.8%, 3.0%, and 2.1% respectively [6][8] Land Market Insights - The government fund budget revenue saw a year-on-year decline of 0.7% from January to July, with July's growth rate slowing significantly to 8.9% [2][8] - Real estate investment continues to decline, with a 12% year-on-year drop in property development investment from January to July [8][10] Expenditure Insights - Broad fiscal expenditure growth reached 9.3%, significantly higher than the previous year's decline of 2.0%, with central government expenditure growing by 33.9% [3][10] - The issuance of government bonds is at a rapid pace, with a total of 9.11 trillion yuan issued from January to July, a 33.8% increase year-on-year [10][12] Policy and Structural Changes - Recent fiscal policies have focused on social welfare, with expenditures in social security, education, and health exceeding 6 trillion yuan, reflecting a commitment to improving living standards [12][14] - New initiatives such as childcare subsidies and free preschool education have been introduced to stimulate consumption and support families [12][14]