小微企业无还本续贷1日内"借新还旧"，抵押登记无缝衔接如何实现？近日，宁波创新推出"组合登 记"模式，为抵押贷款无还本续贷业务"打了个样儿"。 去年9月，金融监管总局优化调整无还本续贷政策，将续贷范围扩展至所有小微企业，要求银行业 金融机构进一步完善续贷尽职免责相关制度，优化工作流程，进一步缓解小微企业融资压力。但是《金 融时报》记者在调研中发现，企业在办理涉及不动产抵押的无还本续贷业务时仍面临一些困扰，如抵押 注销登记与设立登记环节流程多、手续复杂、时间慢等，影响政策落地效果和企业获得感。 为破解上述难题，宁波金融监管局联合宁波市自然资源和规划局联合打造了抵押贷款无还本续 贷"组合登记"模式，通过升级宁波市不动产登记平台，推出旧抵押权注销与新抵押权设立登记合并办 理、顺位抵押权设立和旧抵押权注销登记合并办理、抵押权变更登记三种业务模式。在新模式下，企业 只需要提交一套材料，1个工作日内即可实现抵押登记无缝衔接。业内人士告诉记者，这一模式大幅降 低了企业资金成本和时间成本，并解决了新旧抵押权之间的"空档期"和"超额抵押"等问题，有效规避了 抵押物查封风险。 受国际物流成本、汇率波动等影响，青海一家生物药品企业 ...

Core Viewpoint - Construction Bank is actively enhancing its financing services for small and micro enterprises, transitioning from a passive response to proactive empowerment, with a focus on accessibility and suitable interest rates [1]. Group 1: Financing Initiatives - As of April 2023, Construction Bank has provided funding to over 1.4 million enterprises, with a total credit issuance of 1.8 trillion yuan [1]. - The bank has established a "236" work mechanism to improve customer service capabilities and address the actual difficulties faced by enterprises [1]. Group 2: Tailored Financial Solutions - Construction Bank customizes financial solutions for small and micro enterprises, such as the "Shanxin Loan" for a smart technology company, which successfully secured a loan of 670,000 yuan after resolving legal issues [2]. - The bank offers comprehensive financial services tailored to the specific needs of enterprises in key sectors like foreign trade, technology, and agriculture [2]. Group 3: Addressing Sector-Specific Challenges - A biological pharmaceutical company faced challenges due to rising international logistics costs and exchange rate fluctuations; Construction Bank provided a comprehensive service plan, including a loan of 2 million yuan and risk management solutions [3]. - A high-tech pig farming enterprise utilized the "Jianhang Huizhongni" app to apply for a technology enterprise credit loan, benefiting from rapid approval and disbursement [3]. Group 4: Agricultural Financing - The bank has developed a financing risk control model for the Lingbao apple industry, offering a pure credit, no-collateral, fully online loan product called "Yunong Zhenxing Loan (Apple Industry)" to meet the growing financial service demands of farmers [4]. - Construction Bank is committed to implementing national policies to enhance financial service precision and accessibility for small and micro enterprises, contributing to high-quality development of the real economy [4].