中国央行：金融机构支持服务业不要求面面俱到

中国央行信贷市场司副司长车士义在9月29日国家发改委新闻发布会上表示，金融机构支持服务业应当根据自身战略和资源禀赋，找准重点领域形成差异化服务，不要求面面俱到1。央行牵头8部委制定的《关于金融支持服务业扩能提质的指导意见》已正式发布1，要求推动金融机构转变融资理念，解决中小微企业轻资产融资难题1。

根据该指导意见，全国性银行应自主选择3至5个重点方向强化金融供给1，地方法人银行则要重点围绕1至2个行业开发适配区域特色的金融产品1。意见同时要求金融机构健全知识产权等质押融资机制，提升无形资产质押放贷能力1。

China's central bank has clarified that financial institutions supporting the service industry should pursue differentiated strategies rather than attempting comprehensive coverage across all sectors. Vice Director of the Credit Market Department at the People's Bank of China, Che Shiyi, made this statement on September 29 at a press conference held by the National Development and Reform Commission.1

The guidance framework, formally released by the central bank in coordination with eight other government departments, establishes clear expectations for how financial institutions should allocate their resources.1 The directive encourages them to identify priority areas aligned with their own strategic objectives and resource capabilities.1 To operationalize this approach, the guidance specifies that nationwide banks should focus on developing financial products in three to five key directions, while local legal person banks should concentrate their efforts on one to two specific industries.1 Additionally, the policy calls for financial institutions to strengthen their mechanisms for intellectual property-backed lending and enhance their capacity to provide financing secured by intangible assets, addressing a persistent challenge faced by small and medium-sized enterprises that possess limited tangible collateral.1