蔡甸融媒 发表于 2026-4-20 10:43:47

【磁湖聚焦·营商环境观察】从“融资难”到“融易贷”,这条路有多远?

<p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 2em; font-size: 18px; line-height: 2em;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">资金是企业的“生命线”。优化营商环境最难啃的“硬骨头”之一,就是小微企业融资难。这融资到底有多难?有企业说:资料已提交,但贷款什么时候下来?心里没底。有企业家感叹:订单在手上,产能却跟不上。从“融资难”到“融易贷”,这条路,到底有多远?</span><strong style="box-sizing: border-box; font-weight: bold; color: rgb(0, 112, 192); text-indent: 2em; caret-color: red; line-height: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">本期《磁湖聚焦——营商环境观察》</strong><strong style="box-sizing: border-box; font-weight: bold; color: rgb(0, 112, 192); text-indent: 2em; caret-color: red; line-height: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">,</strong><strong style="box-sizing: border-box; font-weight: bold; color: rgb(0, 112, 192); text-indent: 2em; caret-color: red; line-height: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">我们走进两家黄石企业,记录他们从“等钱救命”到“钱等开工”的真实经历,探寻一座城市如何用制度创新、缩短小微企业与资金之间的距离。</strong></p><p><br/></p><section data-role="paragraph" class="_135editor" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244);"><p style="box-sizing: border-box; margin-bottom: 0px; padding: 0px; word-break: break-word; text-align: center; margin-top: 0px !important;"><iframe src="https://app.cjyun.org/video/player/index?vid=212898&thumb=https%3A%2F%2Fimg.cjyun.org%2Fa%2Fthumb%2F10200%2F202604%2Ff77c38680cfa2d9f4329eb9c8ea75d20.png%21w1920_h1080.png&sid=10200&next=&autoStart=0&type=&customid=2954&width=1920&height=1080" frameborder="0" width="100%" allowfullscreen="" style="box-sizing: border-box; border-width: 0px; border-style: none; max-width: unset; max-height: unset; height: calc(-16.875px + 56.25vw);"></iframe></p><p style="box-sizing: border-box; margin-top: 0px; padding: 0px; word-break: break-word; text-align: center; margin-bottom: 0px !important;"><br style="box-sizing: border-box;"/></p></section><section class="_135editor" data-role="title" data-tools="135编辑器" data-id="161900" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244);"><section class="" style="box-sizing: border-box; display: flex; margin: 10px auto; justify-content: center;"><section style="box-sizing: border-box;"><section class="" style="box-sizing: border-box; display: flex; justify-content: center; align-items: center;"><section style="box-sizing: border-box; flex-shrink: 0;"><section class="" style="box-sizing: border-box; width: 40px; height: 12px; background: linear-gradient(to right, transparent, rgb(255, 192, 0));"></section></section><section style="box-sizing: border-box;"><section class="assistant" style="box-sizing: border-box; font-size: 20px; letter-spacing: 1.5px; color: rgb(0, 176, 240); padding: 0px 12px; line-height: 1.2em;"><strong style="box-sizing: border-box; font-weight: bold;">0</strong><strong class="autonum" data-original-title="" title="" style="box-sizing: border-box; font-weight: bold;">1</strong></section></section><section style="box-sizing: border-box; flex-shrink: 0;"><section class="" style="box-sizing: border-box; width: 40px; height: 12px; background: linear-gradient(to left, transparent, rgb(255, 192, 0));"></section></section></section><section class="" style="box-sizing: border-box; border: 1px solid rgb(14, 101, 210); padding: 9px 26px;"><p style="box-sizing: border-box; margin-bottom: 0px; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; color: rgb(14, 101, 210); margin-top: 0px !important;"><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; caret-color: red; line-height: 1.56em;">困局——</strong><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; text-align: justify; caret-color: red; line-height: 1.56em;">小微企业的“资金坎”</strong></p><p style="box-sizing: border-box; margin-top: 0px; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; color: rgb(14, 101, 210); margin-bottom: 0px !important;"><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; text-align: justify; caret-color: red; line-height: 1.56em;">到底有多难迈?</strong></p></section><section data-width="100%" class="" style="box-sizing: border-box; width: 287.333px; height: 4px; background-color: rgb(221, 238, 251); max-width: 100%;"><br style="box-sizing: border-box;"/></section></section></section></section><p><br/></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; line-height: 2em;">湖北黄石青年科技企业孵化器,是一家运营10年、累计孵化企业300余家、带动就业超1000人的青创园区。因前期对入园企业的股权投资较多,园区自身现金流一度紧张,急需500万元维持日常运营。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; line-height: 2em;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; line-height: 2em;">湖北黄石青年科技企业孵化器有限公司孵化部部长 &nbsp;张凯阳:</span></strong><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; line-height: 2em;">我们园区因为前面有些企业发展得比较好,我们孵化器对他们投入了资金,造成我们自己现在资金流有点困难。我们急切需要一笔钱,就是500万元投入进来。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; line-height: 2em;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">张凯阳先后跑了多家银行,但受限于公司轻资产运营、现金流不稳定的情况,双方沟通推进缓慢。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><strong style="box-sizing: border-box; font-weight: bold;"><span draggable="true" style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">湖北黄石青年科技企业孵化器有限公司孵化部部长 &nbsp;张凯阳:</span></strong><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">但是银行,可能大家都知道,它的审批流程是比较慢的,然后要求也是比较高的。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">同样,2023年获评高新技术企业的润壤科技(黄石)有限公司,也被资金“卡住了脖子”。2026年,这家企业的换热器产品订单预计突破8000万元,但流动资金跟不上——有单不敢接、有产能扩不了。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">润壤科技(黄石)有限公司董事长 &nbsp;石建成:<span style="box-sizing: border-box;"></span></span></strong><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">预计</span><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">今年我们项目总值跟去年比要翻番,前期的话,我们垫资也是很厉害。今年能做到8000万元(产值)的话,我们流动资金要追加个500万到1000万元左右。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">润壤科技已向多家金融机构贷款,多为信用贷款。由于开票率不足、负债率偏高,企业再想融资时处处碰壁——发展的脚步被硬生生拖住。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">润壤科技(黄石)有限公司董事长 &nbsp;石建成:</span></strong><span style="box-sizing: border-box; text-indent: 2em; caret-color: red; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">银行这块的融资,也要看一些数据上来,比如说负债率,或者是我们的开票率,这些因素可能就是,也是我们的一个拉后腿的一个地方吧。</span></p><p><br/></p><section class="_135editor" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); transform-origin: center center; margin: 0px 0px -20px; transform: translateX(30px);"><section data-role="scale-fix" class="" style="box-sizing: border-box; margin-top: 0px; margin-bottom: 0px;"><p style="box-sizing: border-box; padding: 0px; word-break: break-word; text-align: left; line-height: 1.6em; margin-top: 0px !important; margin-bottom: 0px !important;"><span style="box-sizing: border-box; color: rgb(14, 101, 210); text-shadow: none; font-size: 18px;"><strong style="box-sizing: border-box; font-weight: bold;">主持人</strong></span></p></section></section><section class="_135editor" data-tools="135编辑器" data-id="161676" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244);"><section style="box-sizing: border-box; margin: 10px auto;"><section class="" style="box-sizing: border-box; display: flex; justify-content: flex-start; align-items: center;"><section style="box-sizing: border-box; flex-shrink: 0;"><section style="box-sizing: border-box; width: 25px; margin-bottom: -6px; z-index: 3;"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 46.01 31" style="display: block;" xml:space="default"><g id="图层_2" data-name="图层 2"><g id="图层_1-2" data-name="图层 1"><path d="M46,20.67a10.5,10.5,0,0,1-21,0,10.17,10.17,0,0,1,2-6L35.92,0H42L39.31,11A10.34,10.34,0,0,1,46,20.67Z" style="fill:#b5e7f8;fill-rule:evenodd"></path><path d="M21,20.67A10.41,10.41,0,0,1,10.49,31,10.41,10.41,0,0,1,0,20.67a10.16,10.16,0,0,1,2-6L10.9,0h6L14.28,11A10.34,10.34,0,0,1,21,20.67Z" style="fill:#b5e7f8;fill-rule:evenodd"></path></g></g></svg></section></section><section style="box-sizing: border-box; width: 75px; height: 1px; border-top: 1px solid rgb(107, 179, 245); margin-top: 6px; margin-left: 5px;"></section></section><section class="" style="box-sizing: border-box; background-color: rgb(236, 247, 255); padding: 15px 10px;"><section data-autoskip="1" class="135brush" style="box-sizing: border-box; line-height: 1.75em; letter-spacing: 1.5px; font-size: 18px; background-color: transparent;"><p style="box-sizing: border-box; padding: 0px; word-break: break-word; text-indent: 2.16666em; margin-top: 0px !important; margin-bottom: 0px !important;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 36px; background-color: transparent; caret-color: red; font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">两家企业,两种困境。一个缺运营资金,一个缺生产资金,但症结高度一致:传统金融机构的风险偏好,跟小微企业的真实需求对不上,存在制度性的错配。企业等不起,市场不等人。这道“死结”,到底该怎么解呢?</span></p></section></section><section class="" style="box-sizing: border-box; display: flex; justify-content: flex-end; align-items: center;"><section style="box-sizing: border-box; width: 75px; height: 1px; border-top: 1px solid rgb(107, 179, 245);"></section><section class="" style="box-sizing: border-box; flex-shrink: 0; padding-left: 5px;"><section class="" style="box-sizing: border-box; width: 25px; margin-top: -6px; z-index: 3;"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 45.58 31.44" style="display: block;" xml:space="default"><g id="图层_2" data-name="图层 2"><g id="图层_1-2" data-name="图层 1"><path d="M18.85,16.56,10,31.44H4l2.64-11.2A10.49,10.49,0,0,1,10.39,0a10.48,10.48,0,0,1,8.46,16.56Z" style="fill:#ffd675;fill-rule:evenodd"></path><path d="M43.64,16.56,34.78,31.44h-6l2.65-11.2a10.43,10.43,0,1,1,12.21-3.68Z" style="fill:#ffd675;fill-rule:evenodd"></path></g></g></svg></section></section></section></section></section><section data-role="paragraph" class="_135editor" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244);"><p style="box-sizing: border-box; padding: 0px; word-break: break-word; margin-top: 0px !important; margin-bottom: 0px !important;"><br style="box-sizing: border-box;"/></p></section><section class="_135editor" data-role="title" data-tools="135编辑器" data-id="161900" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244);"><section class="" style="box-sizing: border-box; display: flex; margin: 10px auto; justify-content: center;"><section style="box-sizing: border-box;"><section class="" style="box-sizing: border-box; display: flex; justify-content: center; align-items: center;"><section style="box-sizing: border-box; flex-shrink: 0;"><section class="" style="box-sizing: border-box; width: 40px; height: 12px; background: linear-gradient(to right, transparent, rgb(255, 192, 0));"></section></section><section style="box-sizing: border-box;"><section class="assistant" style="box-sizing: border-box; font-size: 20px; letter-spacing: 1.5px; color: rgb(0, 176, 240); padding: 0px 12px; line-height: 1.2em;"><strong style="box-sizing: border-box; font-weight: bold;">0</strong><strong class="autonum" data-original-title="" title="" data-num="2" style="box-sizing: border-box; font-weight: bold;">2</strong></section></section><section style="box-sizing: border-box; flex-shrink: 0;"><section class="" style="box-sizing: border-box; width: 40px; height: 12px; background: linear-gradient(to left, transparent, rgb(255, 192, 0));"></section></section></section><section class="" style="box-sizing: border-box; border: 1px solid rgb(14, 101, 210); padding: 9px 26px;"><p style="box-sizing: border-box; margin-bottom: 0px; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; color: rgb(14, 101, 210); margin-top: 0px !important;"><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; caret-color: red;">破局——</strong><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; caret-color: red;">金融服务</strong></p><p style="box-sizing: border-box; margin-top: 0px; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; color: rgb(14, 101, 210); margin-bottom: 0px !important;"><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; caret-color: red;">如何从“坐等”变“上门”?</strong></p></section><section data-width="100%" class="" style="box-sizing: border-box; width: 251.333px; height: 4px; background-color: rgb(221, 238, 251); max-width: 100%;"><br style="box-sizing: border-box;"/></section></section></section></section><p><br/></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">破局,从精准对接开始。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red; line-height: 2em;">近年来,黄石持续深化“小切口”改革,推出多方联动机制,为中小微企业搭建融资“绿色通道”。2025年,黄石市国投产投集团改革重组,聚焦产业投资与金融服务两大主业。其中的鄂东融资担保公司目前已与黄石市9家银行建立合作,通过银行信息精准筛选优质融资企业。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red; line-height: 2em;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">今年年初,鄂东融资担保公司专员主动对接青年科技企业孵化器,现场摸清企业需求、解读贷款政策。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;"></span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">黄石市国投集团鄂东融资担保有限公司创业贷款部负责人 &nbsp;杨凡:</span></strong><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">你这个500万元,如果直接向银行申请(贷款),(利率)应该是4.5%左右。现在创业贷我们跟各个合作银行进行谈判,利率是4.0%,财政(补)贴50%,实际您这边500万元需要承担的(贷款<span style="box-sizing: border-box;">)</span>利息是2.0% ,一年大概就是10万块钱。</span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"><span style="box-sizing: border-box; display: block; margin: 5px 0px;"></span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">算一笔明白账:之前银行贷款500万元一年利息22.5万元,鄂东融资担保有限公司推荐的创业贷直接省了12.5万元。低成本、高效率的创业贷让企业看到了希望。当天,孵化器就提交申请,500万元资金也于三天内快速到账。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">湖北黄石青年科技企业孵化器有限公司孵化部部长 &nbsp;</span><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">张凯阳:</span><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;"></span></strong><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">&nbsp;没想到这次的创业贷三天就办好了,特别快。这个贷款首先缓解了我们的压力,然后利息也比较低,让我们可以更好地服务我们园区的企业。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">黄石族艺网络科技有限公司负责人 &nbsp;邹权森:</span></strong><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">园区对我们进行了租金的减免,以及7.5万元的股权投资,目前我们已经是一家高新技术企业,深耕物流行业的机器人研发。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red; line-height: 2em;">润壤科技的难题,也在多部门协同下迎来转机。经市科技局引荐,鄂东融资担保公司专员上门走访,量身为企业定制担保增信方案。通过全国政府性融资担保数字化平台极速受理,湖北银行200万元现金贷款加200多万元供应链承兑顺利落地——这400多万元,一下子打通了企业资金的“任督二脉”。</span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red; line-height: 2em;"></span></p><p style="box-sizing: border-box; margin: 1em 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 2; font-size: 18px; text-indent: 2em;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">润壤科技(黄石)有限公司董事长 &nbsp;石建成:</span></strong><span style="box-sizing: border-box; color: rgb(0, 0, 0); text-indent: 2em; caret-color: red;">他们(鄂东融资担保公司)就是很努力,很给力的,打通了我们那个现场项目的资金命脉,这对后期的企业发展目标具有重大意义和帮助。</span></p><p><br/></p><section class="_135editor" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); transform-origin: center center; margin: 0px 0px -20px; transform: translateX(30px);"><section data-role="scale-fix" class="" style="box-sizing: border-box; margin-top: 0px; margin-bottom: 0px;"><p style="box-sizing: border-box; padding: 0px; word-break: break-word; text-align: left; line-height: 1.75em; margin-top: 0px !important; margin-bottom: 0px !important;"><span style="box-sizing: border-box; color: rgb(0, 112, 192); text-shadow: none; letter-spacing: 1.5px; font-family: Optima-Regular, PingFangTC-Light, 微软雅黑;"><strong style="box-sizing: border-box; font-weight: bold;">主持人</strong></span></p></section></section><section class="_135editor" data-tools="135编辑器" data-id="161676" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244);"><section style="box-sizing: border-box; margin: 10px auto;"><section class="" style="box-sizing: border-box; display: flex; justify-content: flex-start; align-items: center;"><section style="box-sizing: border-box; flex-shrink: 0;"><section style="box-sizing: border-box; width: 25px; margin-bottom: -6px; z-index: 3;"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 46.01 31" style="display: block;" xml:space="default"><g id="图层_2" data-name="图层 2"><g id="图层_1-2" data-name="图层 1"><path d="M46,20.67a10.5,10.5,0,0,1-21,0,10.17,10.17,0,0,1,2-6L35.92,0H42L39.31,11A10.34,10.34,0,0,1,46,20.67Z" style="fill:#b5e7f8;fill-rule:evenodd"></path><path d="M21,20.67A10.41,10.41,0,0,1,10.49,31,10.41,10.41,0,0,1,0,20.67a10.16,10.16,0,0,1,2-6L10.9,0h6L14.28,11A10.34,10.34,0,0,1,21,20.67Z" style="fill:#b5e7f8;fill-rule:evenodd"></path></g></g></svg></section></section><section style="box-sizing: border-box; width: 75px; height: 1px; border-top: 1px solid rgb(107, 179, 245); margin-top: 6px; margin-left: 5px;"></section></section><section class="" style="box-sizing: border-box; background-color: rgb(236, 247, 255); padding: 15px 10px;"><section data-autoskip="1" class="135brush" style="box-sizing: border-box; line-height: 1.75em; letter-spacing: 1.5px; font-size: 18px; background-color: transparent;"><p style="box-sizing: border-box; padding: 0px; word-break: break-word; text-indent: 2em; margin-top: 0px !important; margin-bottom: 0px !important;"><span style="box-sizing: border-box; letter-spacing: normal; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">从孵化器的“3天放款”到润壤科技的“担保增信”,表面看是融资效率的提升,实质上是金融服务理念的根本转变——“坐等企业上门”到“主动送贷上门”。这种转变的背后,是黄石国投以政府性融资担保为支点、撬动银行信贷资源向小微群体倾斜的制度设计。融资个案解决了,但金融服务不能只是“救火”,而应该<span style="box-sizing: border-box;">是</span>“精准滴灌”。它如何伴随企业一生呢?</span></p></section></section><section class="" style="box-sizing: border-box; display: flex; justify-content: flex-end; align-items: center;"><section class="" style="box-sizing: border-box; width: 75px; height: 1px; border-top: 1px solid rgb(107, 179, 245);"></section><section style="box-sizing: border-box; flex-shrink: 0; padding-left: 5px;"><section class="" style="box-sizing: border-box; width: 25px; margin-top: -6px; z-index: 3;"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 45.58 31.44" style="display: block;" xml:space="default"><g id="图层_2" data-name="图层 2"><g id="图层_1-2" data-name="图层 1"><path d="M18.85,16.56,10,31.44H4l2.64-11.2A10.49,10.49,0,0,1,10.39,0a10.48,10.48,0,0,1,8.46,16.56Z" style="fill:#ffd675;fill-rule:evenodd"></path><path d="M43.64,16.56,34.78,31.44h-6l2.65-11.2a10.43,10.43,0,1,1,12.21-3.68Z" style="fill:#ffd675;fill-rule:evenodd"></path></g></g></svg></section></section></section></section></section><section data-role="paragraph" class="_135editor" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244);"><p style="box-sizing: border-box; padding: 0px; word-break: break-word; margin-top: 0px !important; margin-bottom: 0px !important;"><br style="box-sizing: border-box;"/></p></section><section class="_135editor" data-role="title" data-tools="135编辑器" data-id="161900" style="box-sizing: border-box; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244);"><section class="" style="box-sizing: border-box; display: flex; margin: 10px auto; justify-content: center;"><section style="box-sizing: border-box;"><section class="" style="box-sizing: border-box; display: flex; justify-content: center; align-items: center;"><section style="box-sizing: border-box; flex-shrink: 0;"><section class="" style="box-sizing: border-box; width: 40px; height: 12px; background: linear-gradient(to right, transparent, rgb(255, 192, 0));"></section></section><section style="box-sizing: border-box;"><section class="assistant" style="box-sizing: border-box; font-size: 20px; letter-spacing: 1.5px; color: rgb(0, 176, 240); padding: 0px 12px; line-height: 1.2em;"><strong style="box-sizing: border-box; font-weight: bold;">0</strong><strong class="autonum" data-original-title="" title="" data-num="3" style="box-sizing: border-box; font-weight: bold;">3</strong></section></section><section style="box-sizing: border-box; flex-shrink: 0;"><section class="" style="box-sizing: border-box; width: 40px; height: 12px; background: linear-gradient(to left, transparent, rgb(255, 192, 0));"></section></section></section><section class="" style="box-sizing: border-box; border: 1px solid rgb(14, 101, 210); padding: 9px 26px;"><p style="box-sizing: border-box; margin-bottom: 0px; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; color: rgb(14, 101, 210); margin-top: 0px !important;"><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; caret-color: red;">护航——</strong><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; caret-color: red;">全周期服务</strong></p><p style="box-sizing: border-box; margin-top: 0px; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; color: rgb(14, 101, 210); margin-bottom: 0px !important;"><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold; caret-color: red;">怎样让企业“敢融、愿融、能融”?</strong></p></section><section data-width="100%" class="" style="box-sizing: border-box; width: 323.333px; height: 4px; background-color: rgb(221, 238, 251); max-width: 100%;"><br style="box-sizing: border-box;"/></section></section></section></section><p><br/></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"><br style="box-sizing: border-box;"/></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">破解个案只是起点,构建一套覆盖中小微企业全生命周期、可复制推广的长效金融服务机制,才是考验地方平台运营智慧的关键。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"><br style="box-sizing: border-box;"/></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">初创起步“第一笔金”。面向蓝图生物、中林科技等初创小微企业,主打创业担保贷——低门槛、长周期、财政贴息。2025年,黄石国投发放创业贷3.22亿元,帮助创业者迈过起步资金关。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"><br style="box-sizing: border-box;"/></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">成长护航“一池活水”。针对阳新县</span><span style="box-sizing: border-box; caret-color: red; text-indent: 2em; color: rgb(0, 0, 0); font-size: 18px; line-height: 2em;">鑫创新材料、盈泰科技等经营稳定的成长期企业,推出应急转贷、融资担保等定制服务,稳现金流、降融资成本。2025年累计投放16.82亿元应急纾困资金、12.01亿元融资担保贷款,守护企业稳健经营。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); line-height: 27px;"><span style="box-sizing: border-box; caret-color: red; text-indent: 2em; color: rgb(0, 0, 0); font-size: 18px; line-height: 2em;"></span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">跃升发展“一级台阶”。为黄石新港园区、西塞山区等县市区构建以市级母基金为核心的基金矩阵,2015年以来组建基金28支、总规模287亿元,引进质子汽车、智行者无人驾驶等重大项目,助力企业从“稳经营”迈向“强发展”。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"><br style="box-sizing: border-box;"/></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">黄石市产业投资集团有限公司总经理 &nbsp;孙海英:</span></strong><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">我们坚持“精准滴灌、全周期覆盖”,与企业共成长。让每一家扎根黄石的市场主体,在发展的不同阶段,都能找到匹配的金融支持。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"></span></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"></p><p style="box-sizing: border-box; margin: 0px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244);"><br style="box-sizing: border-box;"/></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><strong style="box-sizing: border-box; font-weight: bold;"><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">湖北师范大学经济管理与法学院院长、教授 &nbsp;沈燕:</span></strong><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">今年两会明确提出,引导金融资源更多投向科技创新和中小微企业。对黄石而言,关键是把国家金融支持导向转化为服务实体经济的制度能力,健全全周期金融服务体系,推动金融“活水”更精准地流向科创企业培育和制造业转型升级。只有打通中小微企业融资堵点,才能将政策红利有效转化为产业动能,为武汉都市圈重要增长极建设提供坚实支撑。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word; text-align: justify; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); text-indent: 37px; line-height: 27px;"><span style="box-sizing: border-box; caret-color: red; font-size: 18px; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;"></span></p><p style="box-sizing: border-box; margin-top: 0px; padding: 0px; word-break: break-word; text-align: center; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; white-space: normal; background-color: rgb(244, 244, 244); margin-bottom: 0px !important;"></p><p><br/></p><section class="" style="box-sizing: border-box; text-indent: 2em; color: rgb(51, 51, 51); font-family: Lucida Grande, Helvetica, Arial, Microsoft YaHei, sans-serif; text-align: justify; white-space: normal; background-color: rgb(244, 244, 244); margin-top: 1em; margin-bottom: 1em; line-height: 2; font-size: 18px;"><section class="" style="box-sizing: border-box; display: flex; text-indent: 0px; margin: 10px auto; justify-content: center;"><section class="" style="box-sizing: border-box; display: flex; flex-direction: column;"><section data-width="60%" class="" style="box-sizing: border-box; width: 77.4062px; height: 12px; background: linear-gradient(to right, rgb(255, 192, 0), rgb(246, 253, 252)); margin-left: auto; margin-bottom: -4px; transform: skew(-15deg); max-width: 60%;"></section><section class="" style="box-sizing: border-box; background: linear-gradient(to right, rgb(8, 76, 199), rgb(19, 126, 221)); padding: 7px 15px; margin: 0px 6px; z-index: 3;"><section class="" style="box-sizing: border-box; color: rgb(255, 255, 255); text-align: center;"><span style="box-sizing: border-box;"><strong class="135brush" data-brushtype="text" style="box-sizing: border-box; font-weight: bold;">记 者 手 记</strong></span></section></section></section></section><p style="box-sizing: border-box; margin-bottom: 20px; padding: 0px; word-break: break-word; margin-top: 0px !important;"><span style="box-sizing: border-box; caret-color: red; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">采访前,我们以为融资难就是一个“钱”的问题。跑完一圈才发现,那是一条信息不对称、信用难验证的“断头路”。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word;"><span style="box-sizing: border-box; caret-color: red; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">孵化器的张凯阳,跑银行跑到腿软;润壤的石建成,有订单不敢接,眼睁睁看着市场机会从指缝间溜走。那种无力感,隔着屏幕都能感受到。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word;"><span style="box-sizing: border-box; caret-color: red; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">但真正让人感到触动的,不是困境本身,而是破局的过程——3天放款,400多万元担保落地。不是运气,是一整套制度在背后铺路。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word;"><span style="box-sizing: border-box; caret-color: red; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">优化营商环境,到底优化什么?不是喊口号,不是搞花架子。而是当一家企业最需要“一口气”的时候,有人能递上“一瓶氧”;当一条路走不通的时候,有人愿意重新修路。</span></p><p style="box-sizing: border-box; margin: 0px 0px 20px; padding: 0px; word-break: break-word;"><span style="box-sizing: border-box; caret-color: red; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">从“融资难”到“融易贷”,这六个字背后,折射的是黄石优化营商环境的决心与智慧——不光托底资金,更是搭桥、建机制、织网,让每一家有潜力、有诚信的市场主体,都能在黄石找到发展的金融底气。</span></p><section class="_135editor" style="box-sizing: border-box; text-indent: 0px; transform-origin: center center; margin: 0px 0px -20px; transform: translateX(30px);"><section data-role="scale-fix" class="" style="box-sizing: border-box; margin-top: 0px; margin-bottom: 0px;"><p style="box-sizing: border-box; padding: 0px; word-break: break-word; text-align: left; line-height: 1.75em; margin-top: 0px !important; margin-bottom: 0px !important;"><span style="box-sizing: border-box; color: rgb(0, 112, 192); text-shadow: none; letter-spacing: 1.5px; font-size: 16px; font-family: Optima-Regular, PingFangTC-Light, 微软雅黑;"><strong style="box-sizing: border-box; font-weight: bold;">主持人</strong></span></p></section></section><section class="_135editor" data-tools="135编辑器" data-id="161676" style="box-sizing: border-box; text-indent: 0px;"><section style="box-sizing: border-box; margin: 10px auto;"><section class="" style="box-sizing: border-box; display: flex; justify-content: flex-start; align-items: center;"><section style="box-sizing: border-box; flex-shrink: 0;"><section class="" style="box-sizing: border-box; width: 25px; margin-bottom: -6px; z-index: 3;"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 46.01 31" style="display: block;" xml:space="default"><g id="图层_2" data-name="图层 2"><g id="图层_1-2" data-name="图层 1"><path d="M46,20.67a10.5,10.5,0,0,1-21,0,10.17,10.17,0,0,1,2-6L35.92,0H42L39.31,11A10.34,10.34,0,0,1,46,20.67Z" style="fill:#b5e7f8;fill-rule:evenodd"></path><path d="M21,20.67A10.41,10.41,0,0,1,10.49,31,10.41,10.41,0,0,1,0,20.67a10.16,10.16,0,0,1,2-6L10.9,0h6L14.28,11A10.34,10.34,0,0,1,21,20.67Z" style="fill:#b5e7f8;fill-rule:evenodd"></path></g></g></svg></section></section><section style="box-sizing: border-box; width: 75px; height: 1px; border-top: 1px solid rgb(107, 179, 245); margin-top: 6px; margin-left: 5px;"><br style="box-sizing: border-box;"/></section></section><section class="" style="box-sizing: border-box; background-color: rgb(236, 247, 255); padding: 15px 10px;"><section data-autoskip="1" class="135brush" style="box-sizing: border-box; line-height: 1.75em; letter-spacing: 1.5px; background-color: transparent;"><p style="margin: 10px 0px; padding: 0px; word-break: break-word; max-inline-size: 100%; hyphens: auto; overflow-wrap: anywhere; hyphenate-limit-chars: 6 3 3; clear: both; min-height: 1em; cursor: text; caret-color: rgb(255, 0, 0); line-height: 2; text-indent: 2em; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; box-sizing: border-box !important;"><span style="box-sizing: border-box; letter-spacing: normal; line-height: 2em; color: rgb(0, 0, 0); font-family: Open Sans, Arial, Hiragino Sans GB, STHeiti, WenQuanYi Micro Hei, Microsoft YaHei UI, 微软雅黑, SimSun, sans-serif;">从初创企业的“第一笔金”,到成长企业的“一池活水”,再到跃升企业的“一级台阶”,黄石正以全周期金融服务打通小微企业融资堵点。一笔笔贴息贷款、一项项担保增信、一支支产业基金,铺就的是一条让企业敢融、愿融、能融的“金融快车道”。优化营商环境,没有终点。但每一次制度创新的落地,都在拉近企业与梦想的距离。</span></p></section></section></section></section></section><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); 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box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;"><span style="color: rgb(136, 136, 136); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 14px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255);">来源:云上黄石</span></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">制作:万轶 |&nbsp;</span><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px;">编辑:熊霞 |&nbsp;</span><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">责编:方军</span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; line-height: 19.2pt;"><strong style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); 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查看完整版本: 【磁湖聚焦·营商环境观察】从“融资难”到“融易贷”,这条路有多远?