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        A |     。      中新社上海3月16日电 (记者 许婧)上海市工商业联合会(下称上海市工商联)和中国银行上海市分行16日联合发布《普惠金融助力小微企业发展行动方案》,创新服务举措,为上海小微企业提供金融支持,助力企业有序开展生产经营活动,有效应对新冠肺炎疫情带来的不利影响。  双方将根据企业实际情况,针对受疫情影响暂时经营困难企业,不盲目抽贷、断贷、压贷,根据不同情况给予调整还本计划、延长计结息周期、调整授信品种等多种优化方案,对于生产经营临时受困的小微企业,配套提供“中银接力通宝”产品,做好相关无还本续贷操作。  根据方案,双方将进一步加强网格化服务对接,充分发挥组织优势,共同推动各区工商联、商协会组织、综合金融服务点与中行分支机构充分对接,广泛了解小微企业融资需求变化,持续提供专业金融服务。  双方拟合理加大流动资金贷款支持力度,同时增加信用贷款和中长期贷款比例;中行上海市分行将继续重点支持涉及疫情防控、国计民生、保障城市运行及民众生活必需等领域的小微企业,通过优先受理、优先发放,为企业提供便捷高效的资金融通支持。  与此同时,上海市工商联和中国银行上海市分行将给予普惠金融授信企业优惠贷款利率,降低企业融资成本。  双方还将充分发挥跨境金融和贸易金融优势,借助优势产品及服务,从资金结算、融资支持、线上服务等多维度保障支持“稳外贸”领域企业,依托中银全球中小企业跨境撮合服务,提供线上、线下跨境撮合对接服务,实现“融资、融技、融市、融智”。

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