12月10日至11日，中央经济工作会议在北京举行。 今年以来，我国经济顶压前行、向新向优发展，现代化产业体系建设持续推进，改革开放迈出新步伐， 重点领域风险化解取得积极进展，民生保障更加有力。站在"十五五"开局这一全新历史起点，面对经济 发展中老问题、新挑战，需要我们坚定信心、用好优势、应对挑战，不断巩固拓展经济稳中向好势头。 "会议聚焦'十五五'良好开局部署2026年经济工作，明确实施更积极的财政政策和适度宽松的货币政 策，将各类政策纳入一致性评估，增强宏观政策取向一致性和有效性。同时，紧扣扩大内需、发展新质 生产力、化解重点领域风险三大关键，提出提振消费专项行动、建设三大国际科技创新中心、因城施策 稳楼市等具体举措，还首次强调'更好统筹国内经济工作和国际经贸斗争'，针对性回应内外部挑 战。"上海金融与发展实验室首席专家、主任曾刚在接受《金融时报》记者采访时表示。 中央经济工作会议对2026年经济工作作出的重要部署，为应对复杂环境、实现经济质的有效提升和量的 合理增长提供了清晰的行动纲领。业内专家普遍认为，围绕会议强调的扩大内需、科技创新、中小微企 业等重点领域，银行业金融机构在新的一年中大有可为。 持续扩 ...

Group 1: Core Insights - Ningbo has introduced a "combined registration" model for mortgage loans to facilitate seamless refinancing for small and micro enterprises, significantly reducing costs and processing time [1] - The financial regulatory authority has expanded the scope of refinancing policies to all small and micro enterprises, aiming to alleviate financing pressures [1][2] - A coordination mechanism has been established to support small and micro enterprises, resulting in substantial credit issuance and a focus on priority sectors [2] Group 2: Financing Mechanisms - The coordination mechanism has prioritized foreign trade small and micro enterprises, providing tailored financial support and insurance products to address their unique challenges [3] - Innovative financing solutions, such as "cross-border e-commerce insurance," have been developed to support export activities and mitigate risks [3][4] - Local banks have been proactive in addressing financing needs by providing loans and market analysis to enterprises facing operational challenges [4][5] Group 3: Addressing Financing Barriers - Various local initiatives have been implemented to resolve common financing barriers faced by small and micro enterprises, such as property disputes and lack of traditional collateral [5][6] - The use of innovative approaches, like "temporary order pledges" and "guarantees from actual controllers," has enabled banks to provide loans despite existing challenges [6][7] - The establishment of a "recommendation list" has facilitated access to credit for enterprises previously deemed ineligible due to minor issues [7] Group 4: Innovative Financial Products - Financial institutions have developed new products and services tailored to the specific needs of small and micro enterprises, enhancing the precision and coverage of financial services [8][9] - Examples include the "pollution rights pledge" and "climate loans," which integrate environmental factors into the financing process [8][9] - Collaborative efforts among government, banks, and insurance companies have led to the creation of risk-sharing mechanisms to support various sectors, including agriculture [9]

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].