Article 1 In order to alleviate the financing difficulties of enterprises in high-tech zones, to strengthen the combination of science and technology and finance, to further mobilize the enthusiasm of financial institutions to provide financing services for enterprises, to enhance the ability of financial services for the real economy, to improve the financing environment for innovation and entrepreneurship in high-tech zones, to stimulate the vitality of the development of enterprises in the parks, and to promote the high-quality development of the parks, according to the Xiamen Special Economic Zone High-tech Industrial Park Regulations", "Xiamen City on the promotion of inclusive financial development of the ten measures", "on further strengthening financial support for the prevention and control of new coronavirus infection pneumonia epidemic implementation program" and other documents, in order to implement the Torch Hi-Tech Zone enterprise plant mortgage (hereinafter referred to as "factory easy loan"  ) financial services, combined with the Torch Hi-Tech Zone enterprise plant mortgage (hereinafter referred to as "factory easy loan" ) financial services. ) financial services, combined with the actual torch high-tech zone, the development of this approach.

Article 2 The object of this approach is to own or its affiliates own plant in the Torch Hi-Tech Zone for mortgage small and medium-sized enterprises.

Article 3 The collaterals for mortgage loans under these Measures shall be disposed of in accordance with the Regulations of Xiamen Special Economic Zone Hi-Tech Industrial Park and relevant provisions of these Measures when the mortgage right is realized.

Article 4 The disposal of mortgages shall be carried out in the following manner: the Torch Management Committee shall carry out a priority repurchase of the mortgages in accordance with the legal provisions or contractual agreements, and if the Torch Management Committee does not repurchase the mortgages, then the Cooperative Guarantee Company or the Cooperative Bank shall realize the mortgage in accordance with the legal procedures (the buyer shall meet the conditions of entry into Torch Hi-Tech Industrial Park).

Before the disposal of the collateral, the cooperative guarantee company or cooperative bank can sign a conditional agreement with the borrowing enterprise not to dispose of the collateral for two years. Upon expiration of the agreement, if the borrowing enterprise pays off the balance of the loan and the interest, the mortgage will be released; if the borrowing enterprise is unable to repay the loan, the collateral will be disposed of in accordance with the provisions of this article.

Article V. Torch Management Committee to establish a loan risk compensation mechanism, and cooperation with the guarantee company or cooperative banks to share the risk of "factory easy loan" loan compensation "factory easy loan" A certain percentage of the principal loss: the bank directly lending, Torch Management Committee by the bank principal loss of 50% to be compensated; banks through the guarantee company guarantee lending, Torch Management Committee by the guarantee company principal loss of 50% to be compensated. In order to guarantee the company, the bank to apply for compensation in the order of time, the Torch Management Committee of the annual cumulative compensation of up to 30 million yuan will be suspended compensation, the guarantee company, the bank can wait until the following year to apply for compensation.

1. If the borrowing enterprise is unable to repay the loan, and the bank guarantees to lend the money through the guarantee company, the cooperative guarantee company will apply to the Torch Management Committee for risk compensation for the loan of "Factory Easy Loan" after the completion of the compensation, and the compensation fund will be allocated to the guarantee institution by the Torch Management Committee; the bank will directly lend the money to the guarantee institution; the bank will directly lend the money to the guarantee institution; and the guarantee institution will be allocated to the guarantee institution. In case of direct lending by the bank, the cooperative bank will apply to the Torch Committee for the risk compensation of "Factory Easy Loan" loan after confirming the overdue date, and the compensation fund will be allocated to the bank by the Torch Committee.

2. After the loan loss compensation, the guarantee company and the bank should continue to recover the loan (including the disposal of collateral) from the borrowing enterprise in accordance with the contract and relevant laws and regulations, and the proceeds from the recovery, after deducting the cost of recovery, will be returned to the Torch Committee in accordance with the proportion of the compensation share.

Article 6 The total principal amount of the loan applied by a single enterprise to a bank by mortgaging its property in accordance with the provisions of these Measures shall not exceed RMB 30 million per year. Cooperative guarantee companies, cooperative banks should be in each "factory easy loan" before the release of the loan project through the investigation and approval of the Torch Management Committee for the record.

Article 7 The Torch Management Committee of the borrowing enterprises to participate in the "Factory Easy Loan" to give certain support to reduce the burden of enterprise financing.

1. The guarantee fee charged to the borrower by the cooperating guarantee company shall not be more than 3% of the guarantee amount. The Torch Management Committee will give the borrowing enterprise a subsidy of 2% of the guarantee amount and not more than the actual guarantee fee paid by the enterprise.

2. The loan interest rate charged by the cooperative bank to the borrowing enterprise is not more than 50 BP above the People's Bank of China's LPR (Loan Base Rate) of the same period, and the Torch Management Committee will subsidize the interest rate of 30% of the interest actually paid by the enterprise after the enterprise's loan has been settled if the bank lends the loan through the guarantee company. The Torch Management Committee will subsidize the interest rate by 20% of the interest paid by the enterprise after the loan is settled.

Article 8 The guarantee fee subsidy and interest subsidy policy is realized by exempting the enterprises from declaring. If the bank guarantees the loan through the guarantee company, the guarantee company will send a letter to the Torch Management Committee, and after the business office examines and approves the loan, the guarantee fee subsidy or the interest subsidy will be paid to the borrower enterprises directly. For direct bank lending, the bank will send a letter to the Torch Management Committee, and after review and approval by the business office, the subsidized interest rate will be paid to the borrower.　

Article 9 For the enterprises or individuals who seize the subsidy funds issued in accordance with this method through malicious collusion and fraud, once discovered, the Torch Management Committee has the right to make an administrative decision to recover the subsidy funds, and the relevant enterprises are not allowed to apply for any financial support in the Torch Hi-Tech Zone within the next two natural years and the relevant enterprises or individuals shall be prosecuted according to law. The relevant enterprises or individuals shall be investigated for legal responsibility according to the law.

Article 10 These Measures shall be interpreted by Torch Administration Committee. These measures shall be effective for three years from the date of promulgation, and the relevant "Factory Easy Loan" business carried out during the period from May 11, 2022 to the date of promulgation of these measures (not included) shall be referred to the "Xiamen Torch Hi-Tech Zone Administrative Measures on Supporting SMEs in Plant Mortgage Loans" (Xiamen High-Tech Management Regulations [2020] No. 3) for fulfillment.