● 本报记者 陈露 "自2022年启动研发以来，公司已投入3000万元，申请20余项核心专利。随着厂房扩建、产品逐步投入 量产，资金需求持续增加，仅靠自有资金难以满足公司发展需要。"浙江气协科技有限公司总经理王臣 志告诉中国证券报记者，得益于支持小微企业融资协调工作机制，从提出贷款申请算起不到3天时间， 公司就获得了1100万元纯信用授信，解决了企业发展的资金难题。 盛夏的浙江、福建，骄阳似火，热浪蒸腾。在这两片民营经济高度发达的土地上，大量像气协科技这样 的企业正激活创新发展的基因。记者近日随国家金融监督管理总局深入浙闽两地调研，探索支持小微企 业融资协调工作机制如何为万千小微企业带来金融活水。 "银企对接更精准顺畅了""客户经理走访企业积极性更高了""公司获得贷款速度更快了""融资成本更低 了"……在调研采访中，记者不时听到银行、企业类似的反馈。浙江、福建两地金融监管和发改部门协 同其他部门，从供需两端发力，聚焦重点领域和企业需求，创新信贷融资模式，加大信贷投放力度，推 动银企精准对接，统筹解决小微企业融资难和银行放贷难问题。 破解轻资产之困 在浙江省台州市三门县的气协科技车间里，工人们在机器前忙碌着。该 ...

Core Insights - The "e Longyan" digital inclusive finance service platform has been recognized as an innovative case in digital government and has received multiple honors for its financial innovation efforts [2][3] Group 1: Digital Inclusive Finance Development - Longyan City has focused on developing inclusive finance by establishing the "e Longyan" platform, which integrates real-time public credit data from 18 departments and over 2000 items, providing a comprehensive digital financial service [2][3] - The platform has onboarded 33 banking institutions and 13 government-backed guarantee companies, offering 605 financial products and achieving interconnectivity with national platforms [2][3] Group 2: Financial Products and Services - The platform features six specialized sections including "Entrepreneurship Guidance" and "Rural Revitalization," and has launched 21 instant loan products with processing times as short as 5 minutes [3][4] - As of April 11, 2025, the platform has facilitated 83,100 online financing transactions, amounting to a total credit of 15.691 billion [3] Group 3: Innovation in Financing - The "Science and Technology Innovation Points e-loan" product was introduced to address financing challenges for innovative enterprises, with a total signing amount of 2 billion [4][5] - The evaluation system for enterprise innovation allows companies to obtain financing without collateral, with the "Science and Technology Innovation Points e-loan" having issued 194 million by March 2025 [5] Group 4: Remote Banking Services - The "Remote Banking" service has enabled clients to complete loan renewals online, showcasing the digital transformation of financial services in Longyan [6] - This service model has been recognized at the 2022 World Internet Conference, highlighting the innovative financial service achievements of Longyan [6] Group 5: Rural Financial Services - Longyan has developed a blockchain financing service platform for forestry, facilitating online operations for forest rights and significantly improving financing efficiency for farmers [7] - As of March 2025, the platform has issued 5,573 loans totaling 1.231 billion, supporting the transformation of ecological resources into economic benefits [7]