中新网杭州12月25日电(蓝伊旎)个体工商户是浙江省数量最多的市场经营主体。截至今年12月，该省在 册个体工商户达749万户，占其经营主体总量的64.4%，带动超过1100万人就业。 为进一步赋能个体工商户发展，12月25日，浙江省金融支持个体工商户高质量发展十条举措新闻发布会 在杭州举办，会上，浙江省市场监管局、人民银行浙江省分行、浙江金融监管局和各银行机构分别介绍 了支持个体工商户发展的各项举措。 "一码"打破信息壁垒信用资产化身贷款资质 个体工商户体量庞大、活力强劲，但轻资产属性使其在融资时常面临无抵押无担保、贷款审批慢等难 题。 对此，浙江省市场监管局联合人民银行浙江省分行、浙江金融监管局等部门以及银行机构推出了"数字 赋能＋信用评价＋依信放贷"的个体工商户贷款新模式，旨在精准疏通其融资堵点。 据了解，三部门联合打造"浙江个体工商户服务在线"平台，将浙江全省749万个体工商户与219家法人银 行、1.43万个银行网点接入平台，并创新推出"贷款码"，个体工商户只需在手机上扫码即可发布贷款需 求，贯通了个体工商户与银行的线上信息通道。 浙江省市场监管局副局长邵千龙介绍，浙江还依托"千万经营主体信用工程"充 ...

Core Viewpoint - The establishment of a financing coordination mechanism for small and micro enterprises in Fujian has led to significant improvements in financial services, enhancing efficiency and reducing costs for businesses [1][2][3] Group 1: Financing Coordination Mechanism - The Fujian provincial government has implemented a three-tier financing coordination mechanism to support small and micro enterprises, which has received strong positive feedback from businesses [1] - Financial institutions in various regions have introduced innovative service measures, including mobile banking and one-stop services for account opening, information collection, credit building, customer rating, and financing [2] - The "Jinfu Cloud" platform has been developed to facilitate online tracking and feedback for financing needs, allowing for a streamlined process where policies can be accessed without formal applications [2][3] Group 2: Service Efficiency and Innovations - The introduction of the "thousand enterprises and ten thousand households" visit code has enabled businesses to upload information easily, enhancing the efficiency of bank-enterprise interactions [2] - The coordination mechanism has led to a significant increase in loan service efficiency, with a reported 40% reduction in loan costs for some enterprises [1][2] - As of February this year, financial institutions in Fujian have visited approximately 4.3 million business entities, granting over 30,000 credit approvals totaling around 483.2 billion yuan, with loan disbursements exceeding 355.6 billion yuan [3]