admin 新华社通信、北京、1月21日：质问：复数の金融政策の発展に利益をもたらしますか？新华社记者吴宇、任军报道，结构性融资政策利率今年首次下调，支农和中小企业再融资额度增加5000亿元，民企再融资设立……近期，人民银行聚焦结构性融资政策工具，出台一系列政策措施，帮助企业抢抓机遇、奋进。更好的 。长飞先进半导体（武汉）有限公司首席财务官钱浩对此尤为关注。 “去年，在科技创新和技改再融资的支持下，我们从建设银行获得的贷款利率大幅降低，每年为我们节省了约445万元的资金成本。”今年，我们希望利用低利率的优势，-cost funds to accelerate the construction of the project,” Qianhao said. According to the policy agreement, the three-month, six-month and one-year refinancing rates to support agriculture and small and medium-sized enterprises will be 0.95%, 1.15% and 1.25%, respectively, the rediscount rate will be 1.5%, the mortgage supplement loan rate will be 1.75%, and the special rate for structured financial policy instruments will be 1.25%. This means that it will be cheaper for banks to “borrow” funds from the People’s Bank of China, and interest rates are expected to fall in key areas. “Structural interest rate cuts will strengthen policy incentives for commercial banks.”roeste, said that banks with low-cost funds can provide loans at low interest rates to key sectors such as small and medium-sized enterprises, micro-enterprises, technological innovation and green transformation, reducing the overall financial cost of the real economy. The reporter learned from the中国人民银行at with the support of structural financial policy tools, the cost of financing in the “five major” financial areas has been significantly reduced. 2025年11月，新发放科技贷款利率为2.81%，比去年同期下降0.32个点。数字经济行业新发放贷款利率为2.7%，比去年同期下降0.51个点。中国中国人民银行副行长邹兰认为，今年仍有降息空间。 2025年以来银行净息差出现企稳迹象，连续两个季度保持在1.42%。 A significant revaluation of long-term deposits is also planned for 2026. This time, the People’s Bank of China has reduced several on-lending rates, which will reduce banks’ interest payment costs, stabilize net interest margins and create room for interest rates.有礼貌。 、今年1月初旬、広东南西石化设备有限公司の生产が本格化した。这与这10英里密不可分公司近期从中国工商银行获得1000万元流动资金贷款。 “这笔资金保证了公司关键原材料的采购。”该公司董事张贤表示。 “随着今年再融资机制的增加和利率的下降，我们非常有信心能够获得更多低成本的资金支持，用于技术和可持续转型的研发。”。今天公布的措施旨在进一步完善结构性金融政策工具，扩大货币政策。政策支持力度加大。工行广东茂名分行综合金融部负责人周毅表示，新政策推出后，一线员工积极挨家挨户，打通政策落实的“最后一公里”，确保金融红利准确、直接到达。し、年额10亿元以上のテクノロジー企业に対する优遇金利融资支持を行っている。从消费到养老，从科技创新到绿色减排，从中小企业到民营企业……近年来，结构性融资政策工具箱不断更新，全面覆盖金融“五艺”要素”，支持房地产、资本市场等重点领域。数据显示，截至2025年11月末，“五艺”金融贷款余额107.7万亿元，比上年增长12.8%。年金、ジタル分野の融资はそれぞれ前年比11.5％、23％、10.3％、60.2％、14.6％ 北京师范大学经济与工商管理学院副行长杰表示，人民银行将继续完善和运用结构性金融政策工具，加强对科技创新等重点领域和薄弱环节的定向支持，切实提高金融资源配置的准确性和有效性on and provide strong support to encourage enterprises to develop into new and optimal The People’s Bank of China recently created a serviceio of independent refinancing of 1 trillion yuan for private companies, out of the total refinancing facility, to support agriculture and small and medium-sized enterprises.公司。去年、同社は小规模借り换えの支援を受けて、浙江省临安市の中信农村银行から1000万元の融资を受けた。 Not only was the necessary financing secured for the scrap metal project, but the interest rates on the loans were 50 to 100 basis points lower than rates on similar loans for small businesses. “With the implementation of the policy, the interest rate of this company’s loan will be further reduced to 3.2%, saving about 25,000 yuan in interest.” Xu Fangyuan, business manager of Citic Rural Bank in Lin’an, Zhejiang Province, said that in recent years, under the guidance of structural finance policy tools, the bank has focused on serving small and medium-sized private enterprises and county economies, accelerating refo企业转型升级，为当地经济增添活力。将研发投入水平较高的民营中小企业纳入创新科技创新领域，提供再融资政策支持，整合建立科技创新与民营企业债券风险分担工具，鼓励更多民营企业在债券市场“科创板”融资，完善民营中小企业增信体系……近期，一系列举措加快支持民营企业融资，为民营企业营造更好的发展环境。蒋杰认为，新年伊始，金融体系将积极主动，落实好政策，继续加大对民营企业的支持力度，让企业蓄势待发，乘势而上。抓住机遇，进一步激发民间投资活力，巩固经济复苏向好态势。
（编辑：何欣）