转自：中国质量报 从"承诺即入"到"新质赋能" 福建厦门多措并举护航经济社会高质量发展 □ 陈 永 本报记者 江 岱 2026年是"十五五"规划的开局之年，福建省厦门市正紧紧围绕在中国式现代化建设中奋勇争先这一主 线，以"3+1"城市发展转型升级总体框架谋划全年经济工作，探索具有厦门特色的高质量发展新路径。 市场监管是服务经济社会高质量发展的重要支撑部门，厦门市市场监管局如何立足职能本位，切实用政 策红利提升企业获得感，把监管精度转化为民生安全感，在"十五五"开局关键节点为厦门增添创新优 势、实现新突破作出市场监管新贡献？近日，厦门市市场监管局党组书记、局长许国华在接受记者采访 时，详解了市场监管部门将如何以一系列务实举措，护航"十五五"良好开局。 优环境激活力 许国华表示，厦门市市场监管局始终将优化营商环境作为关键任务，通过制度创新和服务升级激发经营 主体活力。在市场准入环节，深入实施《厦门经济特区市场准营承诺即入制规定》，完善"一表承诺— 合诺即营—依标核诺—违诺量处"全链条管理制度，让企业办事更便捷高效；进一步畅通市场退出渠 道，分类施策、有序推动经营主体退出市场，实现资源配置优化升级。 在赋能企业发展 ...

2025年，厦门农商银行坚定坚守"百姓银行"战略定位，紧跟厦门"4+4+6"现代化产业体系布局，以乡村 振兴、普惠金融长板优势为引领，带动科技、绿色、养老、数字金融领域协同发展，持续深度融入厦门 市新发展格局，聚力构建"厦门同业中的农商特色，福建农信内的厦门特色"，为厦门高素质高颜值现代 化国际化城市建设注入农商活力。 党建领航筑牢发展根基 深化"党建+"工程，推动金融服务下沉一线，厦门农商银行向全市321个行政村派驻逾330名金融助理， 实现村居服务100%全覆盖，签订党建共建协议超100份，让金融触角延伸至乡村"最后一公里"。压实网 格化、突出专业化，充分发挥"党建+"的桥梁纽带作用，系统开展"深耕网格 做优产业"工程，推进"党 建+金融助理+多社融合"工程走深走实。 深耕乡村振兴主阵地 依托福建省联社科技平台，优化移动办贷、微信小程序等展业工具，厦门农商银行实现100万元以下新 增信保贷款移动办贷覆盖率超90%，业务办理线上化、无纸化。构建经营管理驾驶舱、风险管控平台等 五大系统群，让营销成效可视化、风险处置精细化，为客户提供"扫码－授权－秒批"的高效信贷服务， 践行"背包客"精神，持续提升服务体验。 ...

Core Insights - The "Luzhi Loan" initiative in Xiamen aims to enhance financing for quality-reputable enterprises, facilitating direct connections between businesses and financial institutions [3][4] - The program has successfully provided over 2.4 million RMB in loans to seven enterprises during a recent event, showcasing its immediate impact [1][3] Group 1: Program Overview - The "Luzhi Loan" program was launched in November 2024 by four governmental departments to create a quality credit brand that connects financial policies directly to the real economy [3] - As of now, seven banks have implemented the "Luzhi Loan," granting over 5 billion RMB in credit and more than 2.4 billion RMB in loans to nearly 250 enterprises [3] - The program has utilized central bank re-lending and rediscounting funds to provide over 3.5 billion RMB in financing [3] Group 2: Impact on Enterprises - The initiative has transformed quality factors into financial language, helping to alleviate financing challenges for small and micro enterprises [3][4] - Over 70% of the 6,750 enterprises evaluated for quality reputation are small and micro businesses, indicating a strong focus on supporting this segment [3] - The "Luzhi Loan" not only reduces financing costs for enterprises but also promotes quality development, encouraging investment in research and technological upgrades [3] Group 3: Policy Direction - The quality financing enhancement policy addresses the financing bottlenecks faced by quality-reputable enterprises and promotes a shift from competing on price to competing on quality [4] - The initiative encourages businesses, especially small and micro enterprises, to adopt a sustainable development path focused on quality rather than scale [4]

Core Viewpoint - The National Market Supervision Administration has issued a notice to enhance quality financing and credit enhancement efforts to better support small and micro enterprises in pursuing quality and efficiency-driven development [1] Group 1: Quality Financing and Credit Enhancement - Banks are actively exploring the integration of quality financing and credit enhancement elements to develop relevant products and services, enhancing precise connections between banks and enterprises [1][2] - The quality financing and credit enhancement factors include capabilities and qualifications in quality credit, quality management, quality branding, quality foundation, and quality innovation [2] - Banks are establishing a multi-dimensional comprehensive evaluation system based on these factors, incorporating them into credit evaluation and risk management models [2] Group 2: Product Development and Services - For instance, Bank of China Shenzhen Branch launched the "Shenzhen Quality Loan" product, providing up to 5 million yuan in pure credit loans for enterprises with good quality credit [2] - Agricultural Bank of China Xiamen Branch introduced the "Luzhi Loan" product, with a maximum credit limit of 5 million yuan, emphasizing a full-process convenient service system for enterprises [2][3] Group 3: Information Sharing and Precision Matching - The banking sector is working with local market regulatory departments to establish a quality financing and credit enhancement information sharing mechanism [4] - Banks utilize local financing credit service platforms to achieve data interconnectivity and information sharing regarding enterprise quality credit and management [4] Group 4: Process Optimization and Efficiency - Banks are leveraging big data and artificial intelligence to innovate business processes, establishing automated credit approval systems to enhance efficiency and reduce loan approval times [5] - The industry is encouraged to build a "government-bank-enterprise" data hub platform to break down data barriers and create comprehensive enterprise quality credit profiles [5]