Summary of financing guarantee policies for SMEs in August
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The financing difficulties of small and medium-sized enterprises have become increasingly prominent. The Hunan Provincial Department of Finance and the Department of Commerce have jointly launched the 2011 financing assistance for small and medium-sized commercial enterprises. For qualified financing guarantee institutions, a subsidy of not more than 2% of the loan guarantee amount shall be granted, and the eligible small and medium-sized commercial enterprises shall be given a subsidy not exceeding 59% of the actual payment guarantee fee. The classification of specific subsidy standards determines the scope and standard of subsidies for guarantee institutions: it must be a single payment for qualified small and medium-sized commercial enterprises that occurs between September 1, 2010 and April 30, 2011. The guarantee business with a loan of less than 8 million yuan and no other central financial subsidies shall be granted a subsidy of not more than 2% of the loan guarantee amount. The maximum subsidy amount of each guarantee institution shall not exceed 3 million yuan in principle. For eligible small and medium-sized commercial enterprises, if they obtain loans from financial institutions through guarantees, they shall grant subsidies not exceeding 50% of the actual payment of guarantee fees. The maximum subsidy for each enterprise shall not exceed 150,000 yuan in principle. At the same time, the subsidy fund for corporate guarantee expenses shall not be less than 20% of the financing guarantee subsidy project funds. The specific subsidy ratio and the maximum subsidy amount will be determined by the Hunan Provincial Department of Finance and the Provincial Department of Commerce according to the total amount of subsidy funds, enterprise attributes, business scale, loan term, and project nature. The financing guarantee institution applying for subsidy shall have: 1. Established in accordance with the law in Hunan Province, with independent legal person status, paid-in capital of more than 20 million yuan, and the paid-in capital of county-level guarantee institutions reaches more than 10 million yuan; During the reporting period, the financing guarantee provided by Hunan small and medium-sized commercial enterprises accounted for more than 10% of the total guarantee; 3. The loan guarantee amount reached more than twice the paid-in capital at the end of 2010; 4. The guarantee rate does not exceed the bank's loan benchmark for the same period. 8 conditions such as 50% interest rate. Small and medium-sized commercial enterprises applying for subsidies shall have: 1. Independent legal persons registered in Hunan Province; 2. Relevant standards and conditions for small and medium-sized commercial enterprises; 3. No violation of laws and regulations in business operations and fiscal management; 4. Financial funds that are not due in arrears. These companies include SMEs in the wholesale and retail, accommodation and catering, leasing and business services, residential and other services, slaughter, logistics and warehousing industries. Zhejiang Provincial Government takes the lead in setting up a network financing platform for SMEs
The Zhejiang Small and Medium Enterprises Bureau plans to build a “Zhejiang 12th Five-year SME Financing Service Platform†jointly established by the government, banks, guarantee companies and websites. It is expected to be launched in October as a breakthrough to solve the financing difficulties of SMEs. . The platform is based on a global network and aims to provide $70 billion in financing annually to 30,000 SMEs by 2015. Qinghai Province SMEs' financing channels are gradually broadening
The financing difficulties of SMEs are common problems faced by all SMEs in the country. In order to alleviate the financing difficulties of SMEs, Qinghai Province has opened up new financing channels. With the approval of the Qinghai Provincial Finance Office, Xining City has established a small number of SMEs in the province. The institution of the loan, Xining Huatai Microfinance Co., Ltd. Its characteristic is to propose a new financing service model "Financial GSP." Facing the financing difficulties of small and medium-sized enterprises, individual industrial and commercial households and “three rural†customers in Qinghai Province.
Five major banks in Gansu Province will increase their support for lending to SMEs
Five major banks, including Gansu Provincial Construction Bank, said that this year will increase support for SME lending. At the same time, the SME Federation will also give full play to the role of social non-governmental organizations, integrate the resources of member units, register and establish investment guarantee companies, and provide special services for SME financing credit. SMEs have become the most dynamic part of Gansu's economy. At present, it has reached more than 70,000, but financing difficulties have always been a bottleneck restricting the development of these enterprises. The heads of five banks, including Gansu Provincial Construction Bank, Gansu Provincial Agricultural Bank, Lanzhou Bank, Gansu Provincial Credit Union, and Shanghai Pudong Development Bank Lanzhou Branch, said that enterprises recommended by the Gansu Provincial Small and Medium Enterprises Association will increase credit support. Shandong will build a SME credit financing service platform
In order to solve the financial constraints in the development of growth-oriented SMEs, the Shandong SME Office issued a document in August that it will establish a SME credit financing service platform to meet SME funds through package promotion, batch review, centralized credit, and fast financing. Demand to promote the development of SMEs. In the "Notice on Establishing a Credit Financing Service Platform for SMEs", the SME Office of Shandong Province stated that under the current situation of tight capital supply and urgent need for capital investment, the SMEs urgently need to develop funds. As a bridge between government, banks and SMEs, the credit financing service platform can meet the funding needs of SMEs. The platform will adhere to market-oriented operations and focus on public welfare; independent third-party professional organizations will operate in a market-oriented manner in accordance with the requirements of “independent accounting, self-management, self-financing, and self-responsibilityâ€. The platform can conduct preliminary research and project check on the financing needs of SMEs, reduce bank credit links and risks, enhance credit rating of SMEs through preferential selection, promotion and credit financing service platform, enhance confidence in bank investment, and reduce small and medium-sized enterprises. The financing cost of enterprises increases the success rate of corporate loans. At the same time, it provides investment consulting, business management, risk assessment and other services for SMEs, enhances their sense of credit awareness and risk prevention, and helps enterprises choose suitable commercial banks and appropriate financing methods to enable them to raise funds in a short time and at low cost. To the urgent need for funds for development. According to the plan, the government will build a platform for integrating social resources such as banks, guarantees, and intermediary service organizations, and will establish 5,000 high-growth SME credit financing service enterprise libraries. After the completion of the platform in the second half of this year, the platform will be used in a professional operation to provide financial institutions, especially joint-stock commercial banks, with information on SMEs that are difficult to verify due to human and energy constraints, and mature projects that have been professionally screened. The financial institutions such as the four state-owned banks, rural credit cooperatives, and commercial banks of the industrial, agricultural, Chinese, and construction industries will be introduced to accurately understand the asset structure, operation status, project construction, financing needs, and Sources of funds and risk assurance measures; on this basis, quickly form investment and financing opinions, and build a convenient, real-time and interactive docking platform for SMEs and financial institutions to achieve a win-win situation for both banks and enterprises. Jiangxi's first provincial-level "SME Credit System Pilot Zone" was unveiled in Pingxiang on August 30. Pingxiang Economic and Technological Development Zone became the first provincial-level "SME Credit System Pilot Zone" in Jiangxi Province, and Pingxiang Economic and Technological Development Zone Administrative Committee Signed a strategic cooperation agreement with various commercial banks, and some enterprises also signed financing agreements with commercial banks. The construction of the credit system of SMEs is an important task for the People's Bank of China to cooperate with local government departments, involving financial institutions, intermediaries and SMEs. It is an important measure to implement the Party Central Committee and the State Council on promoting the healthy development of SMEs. The development of a credit system for SMEs is of great significance for building a new type of bank-enterprise relationship, reducing information asymmetry, solving the financing problems of SMEs, improving the credit awareness of SMEs, improving the local credit environment, and promoting local economic development. Guangxi has cooperated to alleviate the financing difficulties of small and medium-sized enterprises. Since the beginning of this year, Guangxi has accelerated the development of small and medium-sized enterprises as an important part of the industry's priority development, enlargement and strengthening of the industry, and fully supported the people of the autonomous region. "Several Measures for Further Promoting the Development of Private Economy", "Several Opinions on Vigorously Developing Micro-Enterprises", Launching "Catch the Big and Small Micro-Projects", "Thousands of Small and Medium-sized Enterprises' Growth Projects", "100 Million Industrial Enterprise Projects", "SMEs on scale projects" and so on. Increase financial support. This year, we will continue to arrange special funds for the development of small and medium-sized enterprises of 110 million yuan to support the structural adjustment of small and medium-sized enterprises, and cooperate with large enterprises. In the second half of this year, the autonomous region’s finances will increase funds and allocate 50 million yuan to guide and promote the income of the main business of the whole district in 2000. Industrial enterprises below 10,000 yuan will be large-scale, and 50 million yuan will be arranged for interest subsidies for working capital loans of small and medium-sized enterprises, alleviating the growing tension of current working capital in enterprises. During the “Twelfth Five-Year Plan†period, Guangxi will also set aside 1 billion yuan to set up a venture capital fund to support small and medium-sized enterprises in the start-up period. Since 2010, the autonomous region’s finance has set up guarantee risk compensation funds, and credit guarantee institutions that meet the risk compensation conditions. According to the annual average loan guarantee liability of 6%. The proportion gives the guarantee risk compensation. Improve the construction of credit and guarantee systems. Focus on cultivating 1,000 growth SMEs to carry out credit evaluation, improve credit information, and promote the construction of SME credit system in the whole region. Innovative financing methods. Promote trademark pledge loans, enable trademarks to become loans; encourage leasing business financing; encourage new insurance products such as credit insurance and short-term mortgage guarantee insurance. Encourage listing. The establishment of enterprise listing support funds, after the listing of enterprises, the maximum amount of funds can be supported by 2 million yuan; tax incentives for private enterprises in the process of listing. At present, 10 small and medium-sized enterprises in Guangxi are preparing for listing. Issue collective bonds. 10 million yuan from the special funds for the development of small and medium-sized enterprises in the autonomous region, subsidizing the issuance of small and medium-sized enterprises that collect bonds and collect notes; during the year, 10 small and medium-sized enterprises with strong organizational strength, large development potential and ability to issue debts will be issued or issued. Collect bills and expand the scale of direct financing. Improve service to SMEs. Compile a guide for financing services for small and medium-sized enterprises in Guangxi, and distribute them to SMEs for free; hold a number of bank-enterprise matchmaking meetings to allow banks and enterprises to face each other directly. Heilongjiang: SMEs' trademark rights can also be pledged. On August 23, Heilongjiang Provincial Administration of Industry and Commerce and Guangfa Bank Harbin Branch signed an agreement to support SME financing cooperation. In the future, SMEs in Heilongjiang Province will be able to register trademarks, equity and other pledges. Make up for the lack of loan collateral. Due to the financial irregularities and limited information disclosure channels, the problem of information asymmetry is more serious than that of large enterprises, and it usually lacks collateral. It faces a high threshold when applying for bank credit. According to the agreement, when financing loans for SMEs in Heilongjiang Province, banks can grasp the information related to business operations through the information platform established with the industrial and commercial departments, and handle the pledge of trademark rights, equity pledge and mortgage registration of movable property through the industrial and commercial departments. loan. The relevant person in charge of Guangfa Bank said that the cooperation stems from the full understanding of the information of SMEs by the industrial and commercial departments. With this platform, banks can more easily obtain the information and financing needs of high-quality SMEs. In the future, the two sides will establish a long-term contact mechanism on the basis of resource sharing, credit priority, and service priority, with a focus on providing comprehensive and comprehensive financial services for private SMEs. The two sides will jointly hold various banking, banking and business matching activities, take the initiative to understand the business conditions and financing needs of enterprises, design financial product service programs, and provide convenient, high-quality and fast services for the sustainable and healthy development of private enterprises. In view of the lack of effective collateral for SME customers, the industrial and commercial departments have the functions of handling chattel mortgage, equity pledge and trademark pledge registration. At present, Guangfa Bank is integrating the development of joint guarantee credit, credit performance guarantee insurance, commercial management pledge credit, knowledge. Series of SMEs and other innovative financing products, such as property pledge loans, to further meet the financing needs of SMEs. Guangdong government and silver cooperation to ease the financing difficulties of SMEs On August 19, the Bank of China Guangdong Branch and the Guangdong Provincial Small and Medium Enterprise Bureau signed a strategic cooperation agreement. The two sides will carry out multi-level cooperation to provide services for SME financing. According to Zhang Wen, director of the Guangdong Provincial Small and Medium Enterprises Bureau, the Guangdong Provincial Small and Medium Enterprise Bureau will use its organization, coordination, management and policy advantages to create a policy environment and service platform that is conducive to banks and enterprises to strengthen cooperation. For example, establish a customer promotion mechanism between the work system and the branches of the Bank, organize enterprises to participate in the bank's industrial upgrading and development seminar or the SME financing product promotion conference, and make full use of the “China International Small and Medium Enterprises Expo†platform to support the “going out†of small and medium-sized enterprises. Wait. Bai Zhizhong, president of Bank of China Guangdong Branch, said that Guangdong Bank of China will innovate in channels, products and marketing to provide full-service services for SMEs. For example, the “Bank of China Credit Factory†model established according to the characteristics of SMEs, through the simplification of business processes, the development of standardized operating practices, so that a credit project can be simplified from a signature of more than 20 people to four signatures, and the credit approval time is from about 1 month. Shortened to 5 working days. It is reported that in the future, the municipal branches of Guangdong Bank of China will set up a “credit factory†and will have the authority to approve and provide faster financial services for SMEs. In addition, in order to alleviate the difficulty of financing financing for SMEs, BOC will cooperate with the SME Bureau to explore various guarantee methods, such as accounts receivable financing, equipment mortgage, inventory pledge, dealer financing, factoring, invoice discounting, and knowledge. Property rights pledge financing, etc.