Core Viewpoint - The joint issuance of the "Several Measures to Support Financing for Small and Micro Enterprises" by eight government departments aims to address the financing difficulties faced by small and micro enterprises through a comprehensive policy approach, focusing on increasing financing supply, reducing costs, and improving efficiency [1][2]. Group 1: Key Measures - The measures include 23 specific actions targeting eight areas: increasing financing supply, reducing comprehensive financing costs, improving financing efficiency, enhancing support precision, implementing regulatory policies, strengthening risk management, improving policy guarantees, and ensuring effective organization [1]. - Emphasis is placed on expanding financing channels for small and micro enterprises, particularly in foreign trade, technology, and consumer sectors, by enhancing coordination mechanisms and increasing loan disbursements [1][2]. - The initiative aims to lower financing costs and improve efficiency by rationalizing interest rates, eliminating illegal fees, developing online loans, optimizing loan processes, and reducing direct financing thresholds [1][2]. Group 2: Support for Specific Enterprises - The measures prioritize support for small and micro enterprises with growth potential, especially specialized, innovative, and technology-driven firms, to strengthen the foundation for their development [2]. - Financial institutions are encouraged to eliminate concerns about lending to small and micro enterprises by implementing due diligence exemptions and improving the efficiency of handling non-performing loans [2][3]. Group 3: Implementation and Coordination - A comprehensive policy framework is necessary to ensure effective implementation, requiring collaboration among various departments to provide multifaceted support through fiscal, financial, debt, and equity financing [2]. - Establishing a coordinated working mechanism and accountability system among the eight departments is crucial to ensure the effective execution of the measures and to address any barriers to financing [2][3]. - Financial institutions are urged to take a leading role in addressing financing challenges by collaborating with fiscal and tax departments to offer subsidized loans and risk guarantee funds [3].