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	"title":"“早茶贷”首单落地  综合融资成本仅2%/年",
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	"publishtime":"2026-10-17 10:57:58",
	"source":"新泰州APP",
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	"content":"<section data-role=\"paragraph\" id=\"newAircloud_editor_2.0.1\"><p>10月16日上午，“早茶贷”产品发布暨首批贷款投放签约仪式在江苏银行泰州分行举行。江苏银行泰州分行与泰小微担保签署业务合作协议，首笔业务同步落地。</p><p><br></p><p>首单获得贷款的是海陵区稻河古街区一家早茶经营企业，贷款金额150万元，用于门店升级与经营周转。该笔贷款年化利率2.7%、担保费率0.3%，享受财政贴息1%后，综合融资成本仅2%/年，明显低于小微企业融资成本平均水平。</p><p><br></p><p>“早茶贷”由政府、银行、担保机构三方共担风险，让银行“敢贷”、小微“能贷”，实现风险可控与金融普惠的统一。</p><p><br></p><p>泰州早茶产业基础厚实。目前全市早茶经营主体逾1.5万家，但个体工商户和小微门店占比超过九成，普遍存在抵押物不足、信用积累薄弱等问题，门店升级、工艺改良等方面的融资需求尚未得到充分满足。</p><p><br></p><p>为打通融资堵点，我市在出台《泰州市推动早茶产业高质量发展三年行动方案（2026—2028年）》基础上，进一步落细落实配套措施，创新推出“早茶贷”政银担合作产品，发挥政府性融资担保体系增信分险作用，为早茶产业链上信用不足的小微主体提供增信支持。</p><p><br></p><p>在产品设计上，“早茶贷”针对早茶产业链资金需求“短、频、急”的特点，分设“早茶小店贷”“早茶成长贷”“早茶龙头贷”三类产品，覆盖早茶餐饮门店、食材供应、预制加工、连锁品牌运营等各环节经营主体，单户额度最高不超过1000万元。</p><p><br></p><p>在降低成本方面，建立财政贴息与担保费补贴双重补助机制：对正常付息的借款主体给予年化1%的贷款贴息；对合作担保机构按担保金额给予担保费补贴，补贴至0.8%/年。两项叠加，进一步降低早茶经营主体综合融资成本。</p><p><br></p><p>下一步，我市将持续深化政银担协同机制，推动“早茶贷”扩面增量，精准支持早茶产业链上各类市场主体。</p><p><br></p><p>全媒体记者 刘禹</p><p>编辑：郑远</p><p>初审：焦霞映</p><p>复审：左朝勇</p><p>终审：陈海勇</p><p>​</p></section>",
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