Group 1 - The central government has allocated special transfer payment funds to support the development of inclusive finance, significantly reducing the comprehensive financing costs for small and micro enterprises and alleviating their financing difficulties [1][2] - The entrepreneurship guarantee loan policy has been implemented to provide interest subsidies for loans applied by key employment groups and small micro enterprises, with the maximum loan limits set at 300,000 yuan for small enterprises and 20,000 yuan for individuals [2][3] - As of October 1, 2023, the maximum loan limits for personal entrepreneurship guarantee loans have been increased to 30,000 yuan and for small micro enterprises to 400,000 yuan, alongside a 50% interest subsidy [3] Group 2 - The Ministry of Finance has announced a list of 90 regions, including cities like Yangzhou and Shenzhen, that will receive central financial support for the development of inclusive finance demonstration zones by providing performance-based subsidies [4][5] - Financial institutions in these demonstration zones are encouraged to innovate financial products and services, enhancing mechanisms for risk compensation and information sharing to promote inclusive finance [4][5] - The performance-based subsidy distribution is structured into three tiers, with varying amounts allocated to different regions based on their performance rankings [5][6] Group 3 - The central government has provided targeted fee subsidies to rural financial institutions to enhance their services, particularly for small credit loans to farmers [9] - Eligible rural financial institutions must meet specific criteria, including a year-on-year increase in the average balance of small credit loans to farmers and a minimum loan-to-deposit ratio [9] - For example, in Ordos City, the implementation of targeted fee subsidies led to a significant increase in small credit loans, with a year-on-year growth of 9.8 times in 2024 [9] Group 4 - The use of fiscal funds for inclusive finance has alleviated the risk concerns of financial institutions when lending to small micro enterprises and key employment groups, while also lowering the barriers for these groups to access credit [10] - The collaboration between fiscal and monetary policies has enhanced the accessibility and inclusiveness of financial services, empowering financial institutions to better serve the market [10]

据国家金融监督管理总局6月26日消息，为切实做好普惠金融大文章，更好满足人民群众和实体经济多 样化、普惠性的金融需求，金融监管总局、中国人民银行于近日联合发布《银行业保险业普惠金融高质 量发展实施方案》（以下简称《实施方案》），从优化普惠金融服务体系、巩固提升普惠信贷体系和能 力、加强普惠保险体系建设、组织保障等方面出发，提出六部分16条措施。 在普惠信贷方面，《实施方案》提出，引导银行保持对小微企业有效的增量信贷供给，强化民营企业信 贷支持。在普惠保险方面，《实施方案》要求保险公司建立健全普惠保险管理体制，在董事会下设的专 业委员会中增加普惠保险战略规划职能。此外，丰富普惠保险产品供给，提供优质普惠保险服务。 加大首贷、续贷、信用贷投放 强化对民营企业的信贷支持 在优化普惠金融服务体系方面，《实施方案》提出，推动银行保险机构深化普惠金融专业化体制机制建 设，形成分工明确、各具特色、有序竞争的供给格局。同时，提升县域金融服务水平，加强监测指导。 完善丰富乡村金融服务，巩固基础金融服务的覆盖面和保障能力。 鼓励险企设立普惠保险牵头部门 适当降低产品盈利性等考核标准 在加强普惠保险体系建设方面，《实施方案》提出了 ...

Group 1 - The core viewpoint emphasizes the need to improve financing efficiency for small and micro enterprises, which are significantly affected by the complex international environment [1] - Recent measures have been implemented to lower financing costs for small and micro enterprises, which is crucial for stabilizing the economy and promoting employment [1] - The balance of inclusive loans for small and micro enterprises increased from 15.3 trillion yuan at the end of 2020 to 33.3 trillion yuan by the end of 2024, with an average annual growth rate exceeding 21% [1] Group 2 - In the first two months of this year, the average interest rate for newly issued inclusive loans for small and micro enterprises was 4.03%, a year-on-year decrease of 0.33 percentage points [1] - Local practices, such as Zhejiang's credit financing platform and Guangdong's "Yue Xin Fu" platform, demonstrate that combining policy guidance with market mechanisms can effectively alleviate financing difficulties for small and micro enterprises [1][2] - The Ministry of Industry and Information Technology and other departments initiated a targeted financing promotion action for small and micro enterprises in July 2023, providing customized financing support for key industrial chains [2] Group 3 - The People's Bank of China has implemented measures such as reserve requirement ratio cuts and interest rate reductions to enhance the ability of small and micro enterprises to access financial resources [2] - Despite the positive developments, challenges remain, including high financing costs and insufficient policy implementation in some regions [2][3] - Recommendations include improving risk-sharing and compensation mechanisms, enhancing cooperation between core enterprises and financial institutions, and encouraging small and micro enterprises to strengthen compliance and credit awareness [3]

此外，在普惠金融领域，全市现有各类市场主体46万户，企业超14万户，对首贷、续贷、信用贷、中长期贷款的需求量大，对金融服务的覆盖率、便利度、 可得性期盼程度高；养老金融领域，许昌60岁及以上老年人达94.7万人，占比21.6%，叠加对周边地区的吸引和集聚，迫切需要完善养老金融的业务和产品 体系，满足多样化、多层次、多方面需求；数字金融领域，许昌作为全省首批数据要素市场培育试点城市、全国数字经济百强市之一，不仅建成了全省首家 基于国产芯片架构的智算中心——中原人工智能计算中心，还建成国内首家边缘云计算中心，形成了近3万核的通用算力，这些都为数字金融发展打下了坚 实基础，提供了有力支撑。 杨小菁表示："希望各金融机构更多关注许昌、支持许昌、布局许昌，围绕创新驱动、项目建设、民营经济、防范化解风险等重点领域，全面提升合作能级 和服务质效，共同为奋力谱写中原大地推进中国式现代化新篇章贡献力量。市委、市政府将持续营造良好金融生态，推动银政企合作向更宽领域、更深层 次、更高水平迈进。" 责编:史健 | 审校:陈筱娟 | 审核:李震 | 监审:古筝 【大河财立方 记者 徐兵 闫文瑞】"金融活，经济活；金融稳，经济稳。"5月 ...

近日，科技部、中国人民银行等七部门联合发布《加快构建科技金融体制有力支撑高水平科技自立自强 的若干政策举措》，推出15项科技金融政策举措，为科技创新提供全生命周期、全链条的金融服务。 科技型中小企业通常具有轻资产、高风险与高成长潜力并存的特点，这使得传统金融产品与服务难以满 足其发展需求。银行必须打破常规，积极创新金融产品与服务。一方面，要加大首贷融资和设备更新贷 款的投放力度。针对缺乏抵押物的初创期科技型中小企业，可推出基于企业知识产权、研发团队实力、 创新成果等无形资产评估的信用贷款产品，以此解决企业"首贷难"问题；而对于有设备更新需求的企 业，则应设计专门的设备更新贷款，助力企业提升生产效率和技术水平；另一方面，银行应积极探索开 展"贷款+外部直投"等业务模式，在为企业提供债权融资的同时，通过与专业投资机构合作，以股权形 式参与企业发展，分享企业成长红利，同时弥补债权风险，实现银行与企业的互利共赢。 为了更好地服务科技型中小企业，银行需要从内部机制入手，进行全方位优化。在组织架构方面，应设 立专门的科技金融部门或科技支行，集中资源打造专业化的服务团队，从而提高服务效率和质量。在人 才队伍建设方面，需加强 ...