In order to effectively solve the park enterprise financing difficulties, financing and other issues, especially the development of "park loan" business implementation program.

One, the guiding ideology

By the Management Committee and the Anhui Provincial Prudential Guarantee Company Limited, Fuyang banking institutions (hereinafter referred to as the bank side) and other units of the joint consultation, in accordance with the "sharing of resources, risk-sharing, complementary, mutually beneficial" principle, by the tripartite units to jointly establish a financial guarantee business partnership Relationship, increase the financial support for small and medium-sized enterprises in the park, help enterprises to contribute to the development of high-quality development of the zone.

Two, "park loan" main content

(a) the establishment of risk capital pool

by the management committee to arrange funds, placed in the investment services company set up risk capital pool 20 million yuan earmarked, magnification factor of 10-15 times, in principle, the financing scale of 5 million yuan/household (including), the business period, the business of the small and micro enterprises in the zone to contribute to the development of high quality. In principle, the financing scale is within 5 million yuan/household (inclusive), the business period is within 1 year (inclusive), and the total amount is controlled within 300 million yuan.

(2) Risk-sharing ratio

In the event of repayment of the enterprises in the "white list", the provincial P&G guarantee company will bear 40% of the risk responsibility, the bank will bear 30-40% (40% of the agricultural and commercial banks and 30% of the state-owned banks) of the risk responsibility, and the district will bear 20-30% of the risk responsibility. The risk responsibility of the Provincial P&G Guarantee Company and the bank side is confirmed by the Guarantee Contract signed by both parties, and the risk responsibility of our district is confirmed by the Confirmation Letter of Risk Sharing Ratio issued to the Provincial P&G Guarantee Company.

(C) Financing Business Charges

Cooperative parties are implementing preferential rates. The interest rate implemented by state-owned banks does not exceed the one-year loan market quotation rate (LPR), that of agricultural and commercial banks does not exceed 4.85%, and the guarantee fee rate of Provincial Universal Guarantee Company does not exceed 1%/year of the financing amount.

(D) "white list" to determine the process

Enterprises with financial needs that meet the conditions can apply to the "Park Loan" business leading group (in line with the "mu on heroes" policy) Recommended "white list" of enterprises, and then submitted to the Director's Office for study and determination. The "white list" should be in line with the Ministry of Industry and Information Technology, small and micro enterprises, entrepreneurship and innovation, and other areas of strategic emerging industries (specialized, special new, technologically innovative, new enterprises, etc.), focusing on the upstream and downstream of the five industry chain, specialized, special new, technologically innovative industrial enterprises and enterprises with a high rate of contribution to the community (output value, tax revenue, etc.), labor).

(E) Risk prevention and control

Fuyang Economic and Technological Development Zone Investment Service Co., Ltd. as a carrier platform, opened a general settlement account as a pool account in the cooperative bank for the agreement on the sharing of risk responsibility for repayment. In the generation of repayment funds, by the investment services company reported to the management committee agreed to pay from the risk capital pool. Risk capital pool implementation of the melting mechanism, when the loan delinquency rate of more than  3 % or overdue rate of more than  5 %, suspend the acceptance of new loan applications. When the non-performing rate is lower than  3 % or overdue rate is lower than  5 %, resume accepting new loan applications. (Occurred in lieu of compensation for the enterprise's various awards for the repayment of part of the compensation funds, park loans do not enjoy the subsidized interest rate awards).

Three, cooperation mode

Management Committee to select the actual needs of enterprises in line with my area of the bank as a "park loan" cooperation pilot bank, by the Fuyang Economic and Technological Development Zone Investment Services Company Limited and the Provincial Pratt & Whitney Guarantee Company, the cooperative bank signed a "park loan

The investment service company of Fuyang Economic and Technological Development Zone signed a business cooperation agreement with the Provincial Prudential Guarantee Company and the cooperative bank under the "park loan" financial service model.

Four, organizational security

Management Committee set up a "Park Loan" business leading group (membership list attached), led by the Finance and Financial Security Bureau, Investment Promotion Center, the Office of Optimization of Business Environment, the Emergency Management Bureau, the Market Supervision Bureau, the Taxation Bureau, the Investment Service Company and other departments to cooperate, and work together to implement the work. Good work for the development of enterprises in the development zone to help.