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答记者问丨山东结对开展定制化金融服务,为民营企业提供融资超4000亿元

2025-04-25 01:43:17  未知 阅读(318)

2024年12月31日,山东省人民政府新闻办公室举行“干字当头 勇挑大梁”主题系列新闻发布会第四场,邀请省委常委、副省长,省委金融办主任、省委金融工委书记张海波等介绍山东落实国家金融领域一揽子增量政策,服务保障经济高质量发展情况,并回答记者提问。

新华社记者:
前不久,山东专门召开民营企业座谈会,提振了民营企业发展信心。今天是12月31日,请问能否盘点一下今年山东金融支持民营经济整体情况?下一步还有哪些打算?
陈颖:省委、省政府一直牵挂民营经济发展,多次指示全力做好民营企业金融服务工作。今年以来,全省金融系统聚焦破解融资难、融资贵等问题,统筹推进、靶向发力,推动更多金融“活水”润泽民营企业。除了做好日常服务,重点突出“四个抓手”。
一是抓增量金融政策落地,实现民营企业融资量增价降。协同抓好结构性货币政策工具、小微企业融资协调机制、金融支持房地产等一揽子金融增量政策落实,开展“金融直达基层加速跑”行动,优化民营企业金融供给。截至11月底,全省非国有企业贷款同比增加1311.56亿元,11月新发放普惠小微企业贷款利率同比下降0.43个百分点。
二是抓服务机制创新,推动政金企对接精准快达。结对开展定制化金融服务,全省金融机构有2200余支金融伙伴团队,活跃在经济社会发展一线,为民营企业提供融资超4000亿元。建立民营企业直连服务机制,省委金融办带头,各级地方金融管理部门开通服务直连热线,赴企业现场把脉问诊,推动解决融资难题。加强部门联动,与市场监管局协同开展金融助力个体工商户育苗行动,1-11月全省民营企业有贷户数新增1.9万户。
三是抓资本市场赋能,引导长期资本耐心资本投好投小。今年山东新增6家上市公司,均为民营企业。20余家民营企业进入金融资产投资公司股权投资试点项目库;16家民营企业获股票回购增持再贷款支持。用好区域性股权市场,齐鲁、蓝海股权交易中心累计挂牌民营企业达到8798家,实现融资690.86亿元。
四是抓重点问题攻坚,推动金融生态环境持续改善。针对民营小微企业缺资质、贷款难问题,加强普惠担保增信,11月底省农担公司担保业务余额居全国第1位,省融担公司再担保业务余额居全国第3位。为提高银行机构敢贷、善贷能力,搭建省综合金融服务平台,为330万户民营市场主体提供数据增信。为便于更多民营小微企业了解金融服务,协同有关部门开展地方金融对标提升和好品金融评价,鼓励首创、首单、首个、首笔金融服务和产品示范推广。
做好民营经济金融服务工作是一项长期性、系统性工程,需要持续用力、久久为功。下步,全省金融系统将深入贯彻落实省委、省政府民营企业座谈会精神,进一步解放思想、转变观念,为民营企业发展提供有力金融支撑。一是持续推进民营经济金融服务机制创新。研究制定金融支持民营经济高质量发展意见,从制度设计上破解企业融资难题。二是建立健全民营企业常态化沟通联系机制。优化完善民营企业直连服务等制度办法,促进政策落实更加到位、纾困解难更加高效。三是攻坚解决民营企业融资难题。创新开展“金融直达基层解难题”专项行动,直达企业精准施策,以高质量金融服务为民营经济高质量发展保驾护航。
中央广播电视总台记者:
9月末,人民银行会同相关金融管理部门出台了一揽子金融增量政策。请问人民银行山东省分行,目前来看,这次一揽子金融增量政策是否达到了预期效果?在政策落地过程中,主要有哪些发力点?
肖龙沧:今年以来,中国人民银行在2月、5月、7月先后三次实施了比较重大的货币政策调整,特别是在9月24日国新办新闻发布会上发布了三个方面、九项金融增量支持政策,为我国经济稳定增长和高质量发展创造了良好的货币金融环境。中国人民银行山东省分行按照总行和省委、省政府工作安排,会同有关部门,迅速行动、多措并举,积极推进各项政策在山东落地落实。
一是加强政策解读,提高各方认知度。政策出台后,中国人民银行山东省分行及时向辖内各地市分行、各金融机构传达政策要求,同时通过新闻发布会、微信公众号等方式进行宣传解读,有效引导社会预期,提振市场信心。
二是增强部门协同,疏通政策传导渠道。为促使政策能尽快落地见效,中国人民银行山东省分行注重加强部门间协同配合,凝聚工作合力。第一时间联合山东金融监管局、山东证监局召开了全省金融机构座谈会,共同解读增量金融政策有关要求。多次与省住房城乡建设厅会商,迅速落实金融支持房地产相关政策。会同山东证监局及时了解上市公司和主要股东回购、增持股票的融资需求,并推送至商业银行,指导其给予信贷支持。
三是压实主体责任,推动各项政策快速落地。此次增量政策涉及银行、证券、保险等各类金融机构,中国人民银行山东省分行通过组织专题培训等多种方式指导金融机构落实主体责任,细化举措,积极协调解决工作中遇到的困难问题,确保各项政策有效实施。
目前,在各方积极推动下,一揽子增量金融政策已取得积极成效,金融支持实体经济力度加强,企业和居民融资成本降低,为全省经济稳健向好、进中提质提供了有力支撑。具体来讲:
一是降低存款准备金率,带动全省信贷总量企稳回升。9月27日完成下调辖内相关机构法定存款准备金率0.5个百分点,为全省释放长期可用资金619亿元。
二是强化政策利率传导,推动贷款平均成本持续下降。9月24日以来,人民银行总行调降了不同品种政策利率,中国人民银行山东省分行积极引导金融机构将政策利率调降传导至贷款端,有效降低了企业和居民贷款成本。11月份,全省新发放贷款加权平均利率3.32%,较增量政策出台前下降0.36个百分点。同时,中国人民银行山东省分行注重发挥省市两级市场利率定价自律机制作用,引导金融机构规范利率定价行为,有效维护公平竞争秩序。
三是落实房地产金融政策,促进房地产市场止跌回稳。
第一,批量调整存量房贷利率。山东金融机构已于10月31日前完成存量房贷利率批量调整,涉及贷款519万笔、2.2万亿元。重定价后,存量房贷利率平均下降0.8个百分点左右,可为借款人节省176亿元利息支出,减轻了购房者还贷压力。此外,各金融机构已于11月份发布相关公告,完善了商业性个人住房贷款利率定价机制,对符合条件的存量个人住房贷款可进行常态化调整。
第二,统一房贷最低首付比例。全省商业性个人住房贷款不再区分首套、二套住房,最低首付款比例统一为15%。在这个底线基础上,商业银行根据客户风险状况和意愿,与客户协商确定具体的首付比例水平。
四是用好两项结构性货币政策工具,支持资本市场稳定发展。前期,中国人民银行山东省分行会同有关部门加强政策宣传解读,推动符合条件的金融机构开展互换便利操作,对有股票回购和增持融资意愿的上市公司和主要股东进行重点指导,组织金融机构开展融资对接,目前这两项支持资本市场的结构性工具正在稳步推进。下一步,将继续与山东金融监管局、山东证监局等部门密切合作,同时也请省内相关市场机构积极参与,共同使用好这两项工具。
中央经济工作会议明确,2025年要实施适度宽松的货币政策。中国人民银行山东省分行将加强统筹协调,组织落实好已经出台和将要出台的各类金融政策,为山东经济社会高质量发展继续营造良好的货币金融环境。
中新社记者:
我们注意到,近期国家在小微企业融资方面出台了很多支持政策。小微企业融资出现了量增面扩价稳的态势。请问目前,针对小微企业发展遇到的堵点问题,山东有没有考虑一些针对性的解决方案?另外,山东其他一揽子增量政策目前有什么样的进展?
邢桂君:近年来,山东金融监管局在金融监管总局的坚强领导下,在省委、省政府的关心支持下,认真贯彻落实金融支持小微企业各项工作部署,推动银行机构不断提升小微企业服务质效。截至2024年11月末,辖区普惠型小微企业贷款余额1.7万亿元,较年初增长2143.9亿元,增幅14.4%,高于各项贷款增幅5.11个百分点;1月至11月,辖区新发放普惠型小微企业贷款平均利率较2023年下降0.42个百分点,小微企业融资获得感显著提升。
特别是,10月以来金融监管总局会同国家发展改革委建立支持小微企业融资协调工作机制后,山东金融监管局联动省发展改革委迅速出台一系列落实措施,从供需两端协同发力,进一步打通政策传导“中梗阻”,实现信贷资金直达基层。机制运行以来,辖区已走访企业147.02万户,纳入推荐清单11.81万户,推荐清单内企业授信率达84.12%,累计发放贷款2291.11亿元。其中,发掘培育首贷客户1.13万户,发放贷款203.43亿元;办理提供续贷客户3.71万户,续贷金额577.35亿元。下面简单介绍一下主要做法。
一是建立四项机制,推动各项工作任务稳步实施。第一项是责任协同机制。推动建立省、市、县三级协调机制,在系统内成立省局、分局、支局三级领导小组,指导银行机构逐级建立工作专班,全面建立起高效协同的小微企业融资协调机制。第二项是会商辅导机制。对清单内暂不满足授信条件的企业,第一时间协调责任部门跟进辅导,集中部门、集中人员、集中时间进行把脉问诊,帮助企业排除融资障碍。第三项是质量管控机制。建立销号制度,全面监测分析清单内小微企业融资支持情况,定期对小微企业诉求及办理情况盘点总结,做到盯住一个问题、解决一类问题、总结一套经验。第四项是联合保障机制。联动有关部门优化审批程序,对于要素不全的,实行容缺受理;推进信用信息共享,加强“银担合作”,用好财政贴息奖补、贷款风险补偿、政府引导基金等资源;指导各地制作金融惠企政策汇编和小微企业信贷产品手册,加强政策宣传。
二是畅通四条路径,全面摸排小微企业融资需求。第一条是乡镇街道全面摸排。综合运用社区网格员、金融辅导等渠道,摸排小微企业融资需求,初筛形成“申报清单”。第二条是行业部门积极推荐。推动行业主管部门综合利用工商注册、纳税和环保等信息,推荐一批小微企业。第三条是线上平台自动接收。联合省发展改革委在省综合金融服务平台开辟“千企万户大走访”专栏,实现融资需求的在线申报、审核和推送。第四条是银行机构主动对接。要求银行机构将掌握的小微客户名单向区县专班推荐,纳入走访范围。
三是聚焦四类难点,增强小微企业专业服务能力。针对“融资难”,推动银行机构加大信贷投放力度,将续贷政策嵌入小微融资协调机制,确保符合条件的企业“应续尽续”。针对“融资慢”,督促银行机构优化对接工作流程,第一时间对接推荐清单企业,缩短企业“等贷”时长。针对“融资贵”,扎实开展小微企业融资成本稳中有降专项行动,深入开展涉企收费问题排查,着力规范与贷款中介等第三方机构的合作行为,压降综合融资成本。针对“不敢贷”,督促银行机构完善尽职免责制度,落实尽职免责要求,切实为基层人员松绑减负。
此外,山东金融监管局认真贯彻落实金融监管总局和省委、省政府工作部署,会同省住房城乡建设厅等部门,以推进城市房地产融资协调机制为重点,用好金融支持房地产的一揽子支持政策,积极满足房地产项目合理融资需求,将合规项目全部纳入“白名单”,做到“应进尽进”“应贷尽贷”。截至12月22日,全省共有“白名单”项目1602个,已发放贷款2816亿元,全省保交房交付率达到86.9%,交付率、授信和贷款发放金额均居全国前列。
下一步,山东金融监管局将持续加强部署推动、完善机制协同、强化调研评估、做好培训宣传、加强风险监测,持续推动各项协调机制高效有序运转,进一步巩固和扩大工作成效,为全面激发小微企业活力、促进山东房地产市场止跌回稳、助力经济持续回升向好作出贡献。

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article------>{"id":6517,"cid":7,"subCid":"","title":"答记者问丨山东结对开展定制化金融服务,为民营企业提供融资超4000亿元","shortTitle":"","tagId":"","attr":"","articleView":"","source":"","author":"","description":"2024年12月31日,山东省人民政府新闻办公室举行干字当头 勇挑大梁主题系列新闻发布会第四场,邀请省委常委、副省长,省委金融办主任、省委金融工委书记张海波等介绍山东落实国家金融领域一揽子增量政策,服务保障经济高质量发展情况,并回答记者提问。\n\n\n\n\n&nbsp;\n新华社记者:\n前不久,山东专门召开民营企业座谈会,提振了民营企业发展信心。今天是12月31日,请问能否盘点一下今年山东金融支持民营经济...","img":"/public/uploads/default/2025/01/02/1735808201747_source_山东02.jpg","content":"<p>2024年12月31日,山东省人民政府新闻办公室举行&ldquo;干字当头 勇挑大梁&rdquo;主题系列新闻发布会第四场,邀请省委常委、副省长,省委金融办主任、省委金融工委书记张海波等介绍山东落实国家金融领域一揽子增量政策,服务保障经济高质量发展情况,并回答记者提问。</p>\n<div class=\"dpu8C _2kCxD \" style=\"text-align: center;\"><img src=\"/public/uploads/default/2025/01/02/1735808223921_source_mceu_65516968521735808214737.jpg\"></div>\n<div class=\"_3hMwG _2kCxD \">\n<div class=\"_1NCGf\" style=\"text-align: center;\"><img src=\"/public/uploads/default/2025/01/02/1735808312594_source_mceu_70907571741735808303470.jpg\"></div>\n</div>\n<div class=\"dpu8C _2kCxD \"> </div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">新华社记者:</span></span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">前不久,山东专门召开民营企业座谈会,提振了民营企业发展信心。今天是12月31日,请问能否盘点一下今年山东金融支持民营经济整体情况?下一步还有哪些打算?</span></span></div>\n<div class=\"dpu8C _2kCxD \"> </div>\n<div class=\"_3hMwG _2kCxD \">\n<div class=\"_1NCGf\"><img src=\"/public/uploads/default/2025/01/02/1735808292176_source_mceu_58605986031735808283034.jpg\" style=\"display: block; margin-left: auto; margin-right: auto;\"></div>\n</div>\n<div class=\"dpu8C _2kCxD \"> </div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">陈颖:</span>省委、省政府一直牵挂民营经济发展,多次指示全力做好民营企业金融服务工作。今年以来,全省金融系统聚焦破解融资难、融资贵等问题,统筹推进、靶向发力,推动更多金融&ldquo;活水&rdquo;润泽民营企业。除了做好日常服务,重点突出&ldquo;四个抓手&rdquo;。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">一是抓增量金融政策落地,实现民营企业融资量增价降。</span>协同抓好结构性货币政策工具、小微企业融资协调机制、金融支持房地产等一揽子金融增量政策落实,开展&ldquo;金融直达基层加速跑&rdquo;行动,优化民营企业金融供给。截至11月底,全省非国有企业贷款同比增加1311.56亿元,11月新发放普惠小微企业贷款利率同比下降0.43个百分点。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">二是抓服务机制创新,推动政金企对接精准快达。</span>结对开展定制化金融服务,全省金融机构有2200余支金融伙伴团队,活跃在经济社会发展一线,为民营企业提供融资超4000亿元。建立民营企业直连服务机制,省委金融办带头,各级地方金融管理部门开通服务直连热线,赴企业现场把脉问诊,推动解决融资难题。加强部门联动,与市场监管局协同开展金融助力个体工商户育苗行动,1-11月全省民营企业有贷户数新增1.9万户。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">三是抓资本市场赋能,引导长期资本耐心资本投好投小。</span>今年山东新增6家上市公司,均为民营企业。20余家民营企业进入金融资产投资公司股权投资试点项目库;16家民营企业获股票回购增持再贷款支持。用好区域性股权市场,齐鲁、蓝海股权交易中心累计挂牌民营企业达到8798家,实现融资690.86亿元。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">四是抓重点问题攻坚,推动金融生态环境持续改善。</span>针对民营小微企业缺资质、贷款难问题,加强普惠担保增信,11月底省农担公司担保业务余额居全国第1位,省融担公司再担保业务余额居全国第3位。为提高银行机构敢贷、善贷能力,搭建省综合金融服务平台,为330万户民营市场主体提供数据增信。为便于更多民营小微企业了解金融服务,协同有关部门开展地方金融对标提升和好品金融评价,鼓励首创、首单、首个、首笔金融服务和产品示范推广。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\">做好民营经济金融服务工作是一项长期性、系统性工程,需要持续用力、久久为功。下步,全省金融系统将深入贯彻落实省委、省政府民营企业座谈会精神,进一步解放思想、转变观念,为民营企业发展提供有力金融支撑。一是持续推进民营经济金融服务机制创新。研究制定金融支持民营经济高质量发展意见,从制度设计上破解企业融资难题。二是建立健全民营企业常态化沟通联系机制。优化完善民营企业直连服务等制度办法,促进政策落实更加到位、纾困解难更加高效。三是攻坚解决民营企业融资难题。创新开展&ldquo;金融直达基层解难题&rdquo;专项行动,直达企业精准施策,以高质量金融服务为民营经济高质量发展保驾护航。</span></div>\n<div class=\"_1NCGf\"> </div>\n<div class=\"_1NCGf\"> </div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">中央广播电视总台记者:</span></span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">9月末,人民银行会同相关金融管理部门出台了一揽子金融增量政策。请问人民银行山东省分行,目前来看,这次一揽子金融增量政策是否达到了预期效果?在政策落地过程中,主要有哪些发力点?</span></span></div>\n<div class=\"_3hMwG _2kCxD \">\n<div class=\"_1NCGf\" style=\"text-align: center;\"><img src=\"/public/uploads/default/2025/01/02/1735808333358_source_mceu_15697050951735808324236.jpg\"></div>\n</div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">肖龙沧:</span>今年以来,中国人民银行在2月、5月、7月先后三次实施了比较重大的货币政策调整,特别是在9月24日国新办新闻发布会上发布了三个方面、九项金融增量支持政策,为我国经济稳定增长和高质量发展创造了良好的货币金融环境。中国人民银行山东省分行按照总行和省委、省政府工作安排,会同有关部门,迅速行动、多措并举,积极推进各项政策在山东落地落实。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">一是加强政策解读,提高各方认知度。</span>政策出台后,中国人民银行山东省分行及时向辖内各地市分行、各金融机构传达政策要求,同时通过新闻发布会、微信公众号等方式进行宣传解读,有效引导社会预期,提振市场信心。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">二是增强部门协同,疏通政策传导渠道。</span>为促使政策能尽快落地见效,中国人民银行山东省分行注重加强部门间协同配合,凝聚工作合力。第一时间联合山东金融监管局、山东证监局召开了全省金融机构座谈会,共同解读增量金融政策有关要求。多次与省住房城乡建设厅会商,迅速落实金融支持房地产相关政策。会同山东证监局及时了解上市公司和主要股东回购、增持股票的融资需求,并推送至商业银行,指导其给予信贷支持。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">三是压实主体责任,推动各项政策快速落地。</span>此次增量政策涉及银行、证券、保险等各类金融机构,中国人民银行山东省分行通过组织专题培训等多种方式指导金融机构落实主体责任,细化举措,积极协调解决工作中遇到的困难问题,确保各项政策有效实施。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\">目前,在各方积极推动下,一揽子增量金融政策已取得积极成效,金融支持实体经济力度加强,企业和居民融资成本降低,为全省经济稳健向好、进中提质提供了有力支撑。具体来讲:</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">一是降低存款准备金率,带动全省信贷总量企稳回升。</span>9月27日完成下调辖内相关机构法定存款准备金率0.5个百分点,为全省释放长期可用资金619亿元。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">二是强化政策利率传导,推动贷款平均成本持续下降。</span>9月24日以来,人民银行总行调降了不同品种政策利率,中国人民银行山东省分行积极引导金融机构将政策利率调降传导至贷款端,有效降低了企业和居民贷款成本。11月份,全省新发放贷款加权平均利率3.32%,较增量政策出台前下降0.36个百分点。同时,中国人民银行山东省分行注重发挥省市两级市场利率定价自律机制作用,引导金融机构规范利率定价行为,有效维护公平竞争秩序。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">三是落实房地产金融政策,促进房地产市场止跌回稳。</span></span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\">第一,批量调整存量房贷利率。山东金融机构已于10月31日前完成存量房贷利率批量调整,涉及贷款519万笔、2.2万亿元。重定价后,存量房贷利率平均下降0.8个百分点左右,可为借款人节省176亿元利息支出,减轻了购房者还贷压力。此外,各金融机构已于11月份发布相关公告,完善了商业性个人住房贷款利率定价机制,对符合条件的存量个人住房贷款可进行常态化调整。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\">第二,统一房贷最低首付比例。全省商业性个人住房贷款不再区分首套、二套住房,最低首付款比例统一为15%。在这个底线基础上,商业银行根据客户风险状况和意愿,与客户协商确定具体的首付比例水平。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">四是用好两项结构性货币政策工具,支持资本市场稳定发展。</span>前期,中国人民银行山东省分行会同有关部门加强政策宣传解读,推动符合条件的金融机构开展互换便利操作,对有股票回购和增持融资意愿的上市公司和主要股东进行重点指导,组织金融机构开展融资对接,目前这两项支持资本市场的结构性工具正在稳步推进。下一步,将继续与山东金融监管局、山东证监局等部门密切合作,同时也请省内相关市场机构积极参与,共同使用好这两项工具。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\">中央经济工作会议明确,2025年要实施适度宽松的货币政策。中国人民银行山东省分行将加强统筹协调,组织落实好已经出台和将要出台的各类金融政策,为山东经济社会高质量发展继续营造良好的货币金融环境。</span></div>\n<div class=\"_1NCGf\"> </div>\n<div class=\"_1NCGf\"> </div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">中新社记者:</span></span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">我们注意到,近期国家在小微企业融资方面出台了很多支持政策。小微企业融资出现了量增面扩价稳的态势。请问目前,针对小微企业发展遇到的堵点问题,山东有没有考虑一些针对性的解决方案?另外,山东其他一揽子增量政策目前有什么样的进展?</span></span></div>\n<div class=\"_3hMwG _2kCxD \">\n<div class=\"_1NCGf\" style=\"text-align: center;\"><img src=\"/public/uploads/default/2025/01/02/1735808347871_source_mceu_39119262661735808338750.jpg\"></div>\n</div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">邢桂君:</span>近年来,山东金融监管局在金融监管总局的坚强领导下,在省委、省政府的关心支持下,认真贯彻落实金融支持小微企业各项工作部署,推动银行机构不断提升小微企业服务质效。截至2024年11月末,辖区普惠型小微企业贷款余额1.7万亿元,较年初增长2143.9亿元,增幅14.4%,高于各项贷款增幅5.11个百分点;1月至11月,辖区新发放普惠型小微企业贷款平均利率较2023年下降0.42个百分点,小微企业融资获得感显著提升。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\">特别是,10月以来金融监管总局会同国家发展改革委建立支持小微企业融资协调工作机制后,山东金融监管局联动省发展改革委迅速出台一系列落实措施,从供需两端协同发力,进一步打通政策传导&ldquo;中梗阻&rdquo;,实现信贷资金直达基层。机制运行以来,辖区已走访企业147.02万户,纳入推荐清单11.81万户,推荐清单内企业授信率达84.12%,累计发放贷款2291.11亿元。其中,发掘培育首贷客户1.13万户,发放贷款203.43亿元;办理提供续贷客户3.71万户,续贷金额577.35亿元。下面简单介绍一下主要做法。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">一是建立四项机制,推动各项工作任务稳步实施。</span>第一项是责任协同机制。推动建立省、市、县三级协调机制,在系统内成立省局、分局、支局三级领导小组,指导银行机构逐级建立工作专班,全面建立起高效协同的小微企业融资协调机制。第二项是会商辅导机制。对清单内暂不满足授信条件的企业,第一时间协调责任部门跟进辅导,集中部门、集中人员、集中时间进行把脉问诊,帮助企业排除融资障碍。第三项是质量管控机制。建立销号制度,全面监测分析清单内小微企业融资支持情况,定期对小微企业诉求及办理情况盘点总结,做到盯住一个问题、解决一类问题、总结一套经验。第四项是联合保障机制。联动有关部门优化审批程序,对于要素不全的,实行容缺受理;推进信用信息共享,加强&ldquo;银担合作&rdquo;,用好财政贴息奖补、贷款风险补偿、政府引导基金等资源;指导各地制作金融惠企政策汇编和小微企业信贷产品手册,加强政策宣传。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">二是畅通四条路径,全面摸排小微企业融资需求。</span>第一条是乡镇街道全面摸排。综合运用社区网格员、金融辅导等渠道,摸排小微企业融资需求,初筛形成&ldquo;申报清单&rdquo;。第二条是行业部门积极推荐。推动行业主管部门综合利用工商注册、纳税和环保等信息,推荐一批小微企业。第三条是线上平台自动接收。联合省发展改革委在省综合金融服务平台开辟&ldquo;千企万户大走访&rdquo;专栏,实现融资需求的在线申报、审核和推送。第四条是银行机构主动对接。要求银行机构将掌握的小微客户名单向区县专班推荐,纳入走访范围。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\"><span class=\"bjh-strong\">三是聚焦四类难点,增强小微企业专业服务能力。</span>针对&ldquo;融资难&rdquo;,推动银行机构加大信贷投放力度,将续贷政策嵌入小微融资协调机制,确保符合条件的企业&ldquo;应续尽续&rdquo;。针对&ldquo;融资慢&rdquo;,督促银行机构优化对接工作流程,第一时间对接推荐清单企业,缩短企业&ldquo;等贷&rdquo;时长。针对&ldquo;融资贵&rdquo;,扎实开展小微企业融资成本稳中有降专项行动,深入开展涉企收费问题排查,着力规范与贷款中介等第三方机构的合作行为,压降综合融资成本。针对&ldquo;不敢贷&rdquo;,督促银行机构完善尽职免责制度,落实尽职免责要求,切实为基层人员松绑减负。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\">此外,山东金融监管局认真贯彻落实金融监管总局和省委、省政府工作部署,会同省住房城乡建设厅等部门,以推进城市房地产融资协调机制为重点,用好金融支持房地产的一揽子支持政策,积极满足房地产项目合理融资需求,将合规项目全部纳入&ldquo;白名单&rdquo;,做到&ldquo;应进尽进&rdquo;&ldquo;应贷尽贷&rdquo;。截至12月22日,全省共有&ldquo;白名单&rdquo;项目1602个,已发放贷款2816亿元,全省保交房交付率达到86.9%,交付率、授信和贷款发放金额均居全国前列。</span></div>\n<div class=\"dpu8C _2kCxD \"><span class=\"bjh-p\">下一步,山东金融监管局将持续加强部署推动、完善机制协同、强化调研评估、做好培训宣传、加强风险监测,持续推动各项协调机制高效有序运转,进一步巩固和扩大工作成效,为全面激发小微企业活力、促进山东房地产市场止跌回稳、助力经济持续回升向好作出贡献。</span></div>","orderBy":null,"status":0,"pv":318,"link":"","createdAt":"2025-01-02 16:46:20","updatedAt":"2025-04-25 01:43:17","department":null,"field":{},"tags":[]}

article.tags------>[]

news------>[{"id":6705,"title":"中共中央政治局召开会议 分析研究当前经济形势和经济工作 中共中央总书记习近平主持会议","shortTitle":"","img":"","createdAt":"2025-04-25T06:03:45.000Z","description":"新华社北京4月25日电 中共中央政治局4月25日召开会议,分析研究当前经济形势和经济工作。中共中央总书记习近平主持会议。\n会议认为,今年以来,以习近平同志为核心的党中央加强对经济工作的全面领导,各地区各部门聚力攻坚,各项宏观政策协同发力,经济呈现向好态势,社会信心持续提振,高质量发展扎实推进,社会大局保持稳定。同时,我国经济持续回升向好的基础还需要进一步稳固,外部冲击影响加大。要强化底线思维,充分...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6654,"title":"中共中央政治局召开会议 中共中央总书记习近平主持会议","shortTitle":"","img":"","createdAt":"2025-04-04T02:59:43.000Z","description":"中共中央政治局召开会议\n审议《生态环境保护督察工作条例》《关于二十届中央第四轮巡视情况的综合报告》\n中共中央总书记习近平主持会议\n\n新华社北京3月31日电 中共中央政治局3月31日召开会议,审议《生态环境保护督察工作条例》《关于二十届中央第四轮巡视情况的综合报告》。中共中央总书记习近平主持会议。\n会议指出,中央生态环境保护督察是党中央推进生态文明建设的一项重大举措,从压实各级领导干部生态环境保护政...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6582,"title":"两会受权发布|政府工作报告","shortTitle":"","img":"/public/uploads/default/2025/03/13/1741844683404_source_政府工作报告.jpg","createdAt":"2025-03-13T05:43:46.000Z","description":"政府工作报告\n2025年3月5日在第十四届全国人民代表大会第三次会议上\n国务院总理 李强\n各位代表:\n现在,我代表国务院,向大会报告政府工作,请予审议,并请全国政协委员提出意见。\n一、2024年工作回顾\n过去一年,我国发展历程很不平凡。党的二十届三中全会胜利召开,对进一步全面深化改革、推进中国式现代化作出部署。我们隆重庆祝中华人民共和国成立75周年,极大激发了全国各族人民的爱国热情和奋斗精神。一年...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6551,"title":"习近平出席民营企业座谈会并发表重要讲话","shortTitle":"","img":"/public/uploads/default/2025/02/18/1739844455836_source_W020250217422580022170_ORIGIN.jpg","createdAt":"2025-02-18T02:06:43.000Z","description":"习近平在民营企业座谈会上强调\n民营经济发展前景广阔大有可为\n民营企业和民营企业家大显身手正当其时\n李强丁薛祥出席 王沪宁主持\n\n\n2月17日,中共中央总书记、国家主席、中央军委主席习近平在京出席民营企业座谈会并发表重要讲话。新华社记者 谢环驰 摄\n\n\n新华社北京2月17日电 中共中央总书记、国家主席、中央军委主席习近平17日上午在京出席民营企业座谈会并发表重要讲话。他强调,党和国家对民营经济发展的...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6540,"title":"全省抓改革创新促高质量发展大会召开","shortTitle":"","img":"/public/uploads/default/2025/02/06/1738827986791_source_山东省抓改革创新促质量发展大会.jpg","createdAt":"2025-02-06T07:45:47.000Z","description":"全省抓改革创新促高质量发展大会召开\n改革创新增动力 挺膺担当勇争先 奋力谱写中国式现代化山东篇章\n林武讲话 周乃翔主持 葛慧君王宇燕出席\n2月5日是蛇年春节后首个工作日,省委、省政府在济南召开全省抓改革创新促高质量发展大会,以习近平新时代中国特色社会主义思想为指导,深入贯彻党的二十届三中全会精神,坚定落实习近平总书记视察山东重要讲话精神,进一步吹响抓改革创新促高质量发展集结号,动员全省上下以时不我...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6538,"title":"2025年春节假期安全提示","shortTitle":"","img":"/public/uploads/default/2025/01/26/1737865526081_source_安全提示.jpg","createdAt":"2025-01-26T04:24:50.000Z","description":"春节假期将至\n家庭用火用气用电增加\n自驾出行、客货运输增多\n灯会、庙会、促销庆典等大型活动多\n宾馆饭店客流剧增\n煤炭等企业保供压力加大\n叠加低温雨雪天气\n各类安全风险增加\n这份春节假期安全提示\n请查收!\n&darr;&darr;&darr;\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n 来源:中国应急管理报融媒体工作部制作...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6524,"title":"重磅!中国发布统一大市场建设指引","shortTitle":"","img":"/public/uploads/default/2025/01/10/1736502209920_source_大市场.jpg","createdAt":"2025-01-10T09:24:27.000Z","description":"国家发展改革委关于印发《全国统一大市场建设指引(试行)》的通知发改体改〔2024〕1742号\n\n各省、自治区、直辖市人民政府,国务院各部委、各直属机构:\n《全国统一大市场建设指引(试行)》已经国务院同意,现印发给你们,请结合实际认真贯彻落实。\n\n\n 国家发展改革委...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6518,"title":"中共淄博市委十三届八次全体会议暨市委经济工作会议举行","shortTitle":"","img":"/public/uploads/default/2025/01/03/1735871658294_source_淄博市经济工作会议.jpg","createdAt":"2025-01-03T02:33:32.000Z","description":"中共淄博市委十三届八次全体会议暨市委经济工作会议举行\n市委常委会主持 马晓磊讲话\n会议深入学习贯彻习近平新时代中国特色社会主义思想,认真贯彻党的二十大和二十届二中、三中全会精神,坚定落实习近平总书记视察山东重要讲话精神,深入贯彻中央经济工作会议精神,全面落实省委十二届八次全会暨省委经济工作会议部署,听取和讨论了马晓磊同志受市委常委会委托作的工作报告,总结2024年全市经济工作,分析当前经济形势,安...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6517,"title":"答记者问丨山东结对开展定制化金融服务,为民营企业提供融资超4000亿元","shortTitle":"","img":"/public/uploads/default/2025/01/02/1735808201747_source_山东02.jpg","createdAt":"2025-01-02T08:46:20.000Z","description":"2024年12月31日,山东省人民政府新闻办公室举行干字当头 勇挑大梁主题系列新闻发布会第四场,邀请省委常委、副省长,省委金融办主任、省委金融工委书记张海波等介绍山东落实国家金融领域一揽子增量政策,服务保障经济高质量发展情况,并回答记者提问。\n\n\n\n\n&nbsp;\n新华社记者:\n前不久,山东专门召开民营企业座谈会,提振了民营企业发展信心。今天是12月31日,请问能否盘点一下今年山东金融支持民营经济...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"},{"id":6515,"title":"国家主席习近平发表二〇二五年新年贺词","shortTitle":"","img":"/public/uploads/default/2025/01/01/1735685601522_source_20250101.jpg","createdAt":"2024-12-31T22:44:21.000Z","description":"国家主席习近平发表二〇二五年新年贺词\n\n大家好!时间过得很快,新的一年即将到来,我在北京向大家致以美好的祝福!\n2024年,我们一起走过春夏秋冬,一道经历风雨彩虹,一个个瞬间定格在这不平凡的一年,令人感慨、难以忘怀。\n我们积极应对国内外环境变化带来的影响,出台一系列政策组合拳,扎实推动高质量发展,我国经济回暖向好,国内生产总值预计超过130万亿元。粮食产量突破1.4万亿斤,中国碗装了更多中国粮。区...","orderBy":null,"pinyin":"home","name":"首页","path":"/home"}]

hot------>[{"id":6518,"title":"中共淄博市委十三届八次全体会议暨市委经济工作会议举行","path":"/home"},{"id":6524,"title":"重磅!中国发布统一大市场建设指引","path":"/home"},{"id":6517,"title":"答记者问丨山东结对开展定制化金融服务,为民营企业提供融资超4000亿元","path":"/home"},{"id":6538,"title":"2025年春节假期安全提示","path":"/home"},{"id":6551,"title":"习近平出席民营企业座谈会并发表重要讲话","path":"/home"},{"id":6582,"title":"两会受权发布|政府工作报告","path":"/home"},{"id":6515,"title":"国家主席习近平发表二〇二五年新年贺词","path":"/home"},{"id":6540,"title":"全省抓改革创新促高质量发展大会召开","path":"/home"},{"id":6654,"title":"中共中央政治局召开会议 中共中央总书记习近平主持会议","path":"/home"},{"id":6705,"title":"中共中央政治局召开会议 分析研究当前经济形势和经济工作 中共中央总书记习近平主持会议","path":"/home"}]

imgs------>[{"id":6582,"title":"两会受权发布|政府工作报告","shortTitle":"","img":"/public/uploads/default/2025/03/13/1741844683404_source_政府工作报告.jpg","createdAt":"2025-03-13T05:43:46.000Z","description":"政府工作报告\n2025年3月5日在第十四届全国人民代表大会第三次会议上\n国务院总理 李强\n各位代表:\n现在,我代表国务院,向大会报告政府工作,请予审议,并请全国政协委员提出意见。\n一、2024年工作回顾\n过去一年,我国发展历程很不平凡。党的二十届三中全会胜利召开,对进一步全面深化改革、推进中国式现代化作出部署。我们隆重庆祝中华人民共和国成立75周年,极大激发了全国各族人民的爱国热情和奋斗精神。一年...","pinyin":"home","name":"首页","path":"/home"},{"id":6551,"title":"习近平出席民营企业座谈会并发表重要讲话","shortTitle":"","img":"/public/uploads/default/2025/02/18/1739844455836_source_W020250217422580022170_ORIGIN.jpg","createdAt":"2025-02-18T02:06:43.000Z","description":"习近平在民营企业座谈会上强调\n民营经济发展前景广阔大有可为\n民营企业和民营企业家大显身手正当其时\n李强丁薛祥出席 王沪宁主持\n\n\n2月17日,中共中央总书记、国家主席、中央军委主席习近平在京出席民营企业座谈会并发表重要讲话。新华社记者 谢环驰 摄\n\n\n新华社北京2月17日电 中共中央总书记、国家主席、中央军委主席习近平17日上午在京出席民营企业座谈会并发表重要讲话。他强调,党和国家对民营经济发展的...","pinyin":"home","name":"首页","path":"/home"},{"id":6540,"title":"全省抓改革创新促高质量发展大会召开","shortTitle":"","img":"/public/uploads/default/2025/02/06/1738827986791_source_山东省抓改革创新促质量发展大会.jpg","createdAt":"2025-02-06T07:45:47.000Z","description":"全省抓改革创新促高质量发展大会召开\n改革创新增动力 挺膺担当勇争先 奋力谱写中国式现代化山东篇章\n林武讲话 周乃翔主持 葛慧君王宇燕出席\n2月5日是蛇年春节后首个工作日,省委、省政府在济南召开全省抓改革创新促高质量发展大会,以习近平新时代中国特色社会主义思想为指导,深入贯彻党的二十届三中全会精神,坚定落实习近平总书记视察山东重要讲话精神,进一步吹响抓改革创新促高质量发展集结号,动员全省上下以时不我...","pinyin":"home","name":"首页","path":"/home"},{"id":6538,"title":"2025年春节假期安全提示","shortTitle":"","img":"/public/uploads/default/2025/01/26/1737865526081_source_安全提示.jpg","createdAt":"2025-01-26T04:24:50.000Z","description":"春节假期将至\n家庭用火用气用电增加\n自驾出行、客货运输增多\n灯会、庙会、促销庆典等大型活动多\n宾馆饭店客流剧增\n煤炭等企业保供压力加大\n叠加低温雨雪天气\n各类安全风险增加\n这份春节假期安全提示\n请查收!\n&darr;&darr;&darr;\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n 来源:中国应急管理报融媒体工作部制作...","pinyin":"home","name":"首页","path":"/home"},{"id":6524,"title":"重磅!中国发布统一大市场建设指引","shortTitle":"","img":"/public/uploads/default/2025/01/10/1736502209920_source_大市场.jpg","createdAt":"2025-01-10T09:24:27.000Z","description":"国家发展改革委关于印发《全国统一大市场建设指引(试行)》的通知发改体改〔2024〕1742号\n\n各省、自治区、直辖市人民政府,国务院各部委、各直属机构:\n《全国统一大市场建设指引(试行)》已经国务院同意,现印发给你们,请结合实际认真贯彻落实。\n\n\n 国家发展改革委...","pinyin":"home","name":"首页","path":"/home"}]

pre------>{"id":6515,"title":"国家主席习近平发表二〇二五年新年贺词","name":"首页","path":"/home"}

next------>{"id":6518,"title":"中共淄博市委十三届八次全体会议暨市委经济工作会议举行","name":"首页","path":"/home"}