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加大消费信贷支持力度 多措并举扩大服务消费
Zheng Quan Ri Bao Zhi Sheng· 2025-09-27 15:38
编者按:近日,商务部等9部门发布《关于扩大服务消费的若干政策措施》,提出五方面19条举措。其 中,在"加大消费信贷支持力度"方面提及"支持金融机构扩大服务消费领域信贷投放,加大对服务消费 领域经营主体信贷投放力度""支持金融机构针对服务消费经营主体特点和融资需求,创新开发特色金融 产品和服务"等举措,为金融助力扩大服务消费指明了方向。 农信系统如何助力服务消费?形成了哪些好的措施和做法?近日,《农村金融时报》记者走访浙江农信 系统多家农商银行,探寻地方金融主力军如何引金融活水,精准赋能地方消费新生态。 ■本报记者 田耿文 王爱静 个体工商户在服务消费市场供给端扮演着重要角色,但这类经营主体往往具有经营规模小、抗风险能力 弱、缺少抵押物等特点,常常面临"融资难、融资贵"的困境。对此,平湖农商银行立足"支农支小"定 位,深入市场走进商户,对接其资金需求,助力解决个体工商户融资难题,让消费市场供给端的活力不 断涌现。 该行还联合平湖市市场监督管理局建立"政银融合"服务体系,成立"个体工商户发展服务联盟",对 照"名特优新""放心消费商户"清单,根据企业经营发展特性,分型分类做好综合性金融服务。 为紧贴市民多元化的消 ...
河南睢县:多维发力破融资难题,促进县域经济发展
Zhong Guo Fa Zhan Wang· 2025-08-06 09:05
Core Viewpoint - Suixian County is actively implementing financial support policies to enhance the efficiency of financial services for the real economy, aiming to alleviate financing difficulties and costs, thereby promoting high-quality economic development [1] Group 1: Policy Coordination and Support - Suixian County is building a multi-level policy support network to facilitate financial resources flowing to the real economy, focusing on precise implementation of policies to reduce financing costs for small and micro enterprises [2] - The county has provided a total of 1.745 billion yuan in financing guarantees through provincial agricultural guarantee companies, addressing financing bottlenecks for new agricultural business entities [2] - A financing coordination mechanism has been established, involving various stakeholders, resulting in 5,372 enterprises receiving credit totaling 2.989 billion yuan, with 2.748 billion yuan disbursed [2] Group 2: Innovative Financial Ecosystem - Financial institutions in Suixian County are encouraged to innovate products and services tailored to local economic needs, with total loans reaching 20.99 billion yuan, an increase of 1.33 billion yuan since the beginning of the year [3] - New credit products have been developed, such as "Shoe Loan" for the shoe industry and "Cloud Tax Loan" for small businesses, addressing traditional collateral challenges [3] - A "dual service" initiative has been launched to provide customized financial solutions for over 500 projects and enterprises, resulting in 3.84 million yuan in financing for 365 companies [3] Group 3: Service Efficiency and Financing Circulation - Suixian County has prioritized optimizing service experiences to enhance financing efficiency, conducting extensive outreach to small and micro enterprises [4] - The "main bank" system has been established to provide comprehensive financial services throughout the enterprise lifecycle, improving service continuity [4] - Regular meetings and specialized matching events have been organized to create a responsive platform for financing needs, ensuring that enterprises have access to necessary financial support [4]