Chapter 1  General

Article 1  To further improve the city's small and micro-enterprise loan risk compensation mechanism to encourage and guide the banking financial institutions to increase credit support for small and micro-enterprises to alleviate the small and micro-enterprise financing problems. Enterprise financing problems, according to the "People's Republic of China Small and Medium Enterprises Promotion Law" and "Gansu Province to promote the development of small and medium-sized enterprises regulations" and other relevant laws, regulations and policies, combined with the actual silver, hereby amends this approach.

The second  The small and micro-enterprises referred to in this approach refers to the registration in the city of silver, to meet the Ministry of Industry and Information Technology, the National Bureau of Statistics, the National Development and Reform Commission, the Ministry of Finance, "on the issuance of small and medium-sized enterprises standardized provisions of the notice" (Ministry of Industry and Information Technology, joint enterprise [2011] No. 300) regulations Small and micro-legalized enterprises (including farmers' professional cooperatives).

Article 3  Mutual Guarantee Loan for Small and Micro-enterprises to implement the "government + bank + enterprise" model, the formation of the government, banks and enterprises to share the risk of the mechanism. The loan is a cooperative agreement with the fund management organization of the banking financial institutions (hereinafter referred to as "cooperative banks") to small and micro-enterprises issued by the government to provide the "risk compensation" and the enterprise to pay the "Mutual The credit business that is jointly established by the "risk compensation fund" provided by the government and the "mutual guarantee fund" paid by the enterprises as a means of risk compensation, guarantee and credit enhancement.

Article 4  The government to provide "risk compensation" and enterprises to pay the "mutual guarantee" together to form a "small micro-enterprise loan risk compensation guarantee fund. Small and microenterprise mutual loan risk compensation guarantee fund pool" (hereinafter referred to as the fund pool). With the fund pool as a guarantee, small and micro enterprises can get loans from cooperative banks without other guarantees and mortgages as long as they meet the conditions of these measures and the Instructions for Mutual Guarantee Loans for Small and Micro Enterprises in Baiyin City.

Chapter II  Division of Responsibility

Article 5  Municipal promotion of small and medium-sized enterprises and the private economy development leading group office (Municipal Bureau of Industry and Information Technology), the Municipal Bureau of Finance, the municipal government financial office, the People's Bank of China. Baiyin city center sub-branch, the State Financial Supervision and Administration Bureau of Baiyin Supervision Branch jointly set up a fund management leading group (office located in the Municipal Bureau of Industry and Information Technology), is responsible for policy development, supervision and monitoring, assessment and evaluation of the work of coordinating and resolving major issues in the management of the fund.

Article VI  Fund Management Leading Group Office (Municipal Bureau of Industry and Information Technology) for the fund management organization, responsible for the daily work of the Leading Group, drafting and revising the management approach to coordinate and solve the fund set up, the operation of the process of the problems encountered; the Municipal Bureau of Finance for the funds to protect the regulatory agencies, responsible for the municipal government's funding of budgets, financing, supplementation and so on. The Municipal Finance Bureau is the supervisory organization for fund guarantee, responsible for the budget and supplementation of municipal funds, and supervising and checking the use of the fund pool; the Municipal Government Finance Office, Baiyin City Branch of the People's Bank of China, and Baiyin Supervision and Administration Bureau of the State Financial Supervision and Administration of China jointly guide and supervise the cooperative banks to carry out the work and perform the duties of risk supervision in a steady and positive manner; the cooperative banks are the operating organizations of the fund, and bear the responsibilities for the risk management, examination of the loan enterprises as well as the issuance and recovery of the loans, recovery and settlement. Work. The people's governments of each county and district are responsible for the financing, budgeting and supplementation of the risk compensation fund of the local government, as well as the support, selection, recommendation and promotion of the development of small and micro enterprises. The members of the leading group and the people's governments of the counties and districts are responsible for their own responsibilities and work closely together to strengthen the operation and management of the fund.

Chapter III  Fund Management

Article VII  Fund pooling principles. The government, banks, enterprises in accordance with the "voluntary contributions, paid use, benefit sharing, risk sharing" principle of formation.

Article VIII  Fund pool funding and account management. Fund pool funds from the government and enterprises to pay the composition of the fund management organization in accordance with the relevant provisions of the financial account management, the opening of a special account, sub-accounting. The government "risk compensation" principal is limited to small and micro-enterprise mutual loan business risk compensation, enterprise "mutual guarantee" in addition to the borrowing enterprise loan default compensation and return to the enterprise, shall not be withdrawn and spent.

Article IX  Fund account interest income to the account principal.

Article 10  Fund Pool Payment Ratio

(a) The government's "Risk Compensation" is funded by the city, county and district finances, and is injected into the Cooperative Fund by 5% of the amount of the bank loan. The government's "risk compensation fund" is funded by the city, county and district finances and injected into the cooperative bank at 5% of the bank's loan.

(2) small and micro-enterprises before the loan in accordance with the following proportion of a one-time payment of mutual guarantee:

1. Enterprises without an effective pledge and other collateral measures, a one-year period of 1% of the amount of the loan to pay, the loan period increases by 0.5 percent for each year, the proportion of payment For each additional year of the loan period, the payment ratio will be increased by 0.5 percentage points.

2. If the enterprise provides effective pledge (including patent right, trademark right pledge, accounts receivable, equity, etc.) or other guarantee measures of not less than 40% of the loan amount, it shall pay 0.5% of the loan amount for one year, and the percentage of payment shall be increased by 0.2 percentage points for each additional year of the loan period. The pledge procedures are handled by the loan cooperative bank.

Article 11  Risk compensation. When a loan enterprise in the fund pool defaults, in accordance with the following procedures and proportions on behalf of compensation:

(a) After the risk of overdue loans, the cooperative bank to start the collection process; overdue more than 60 days, the cooperative bank according to the agreement to start the compensation process, first deducted from the defaulting enterprise to pay the mutual guarantee fund, and then by the The "Enterprise Mutual Guarantee Fund" will pay for the bank loan on behalf of the enterprise.

(2) When the "enterprise mutual guarantee fund" is insufficient to settle the bank loan, the cooperative bank will submit the "Letter on the Use of Government Risk Compensation Fund to Settle the Loan of the Guarantee Fund" to the fund management organization, and then the government risk compensation fund and the cooperative bank will settle the loan at a ratio of 5:1 after examination and approval. The government's risk compensation fund and the cooperative bank will share the burden in the ratio of 5:5.

(c) After the compensation, the cooperative bank immediately starts the debt recovery procedure, and the funds recovered or the funds recovered by the enterprise resuming repayment are allocated to make up for the compensation according to the proportion of compensation borne by each party.

Article XII  Failure to fulfill the repayment obligations of the cooperative bank loan losses and government compensation for the loss of funds of the loan enterprise, in accordance with the relevant provisions of the loan enterprise and the owner of the business in the bad credit record, operating anomalies list or blacklist.

Article 13  The actual controller of the loan enterprise, shareholders and their respective property co-owners bear joint and several liability.

Article XIV  Mutual Guarantee Return

(a) After the enterprise pays off the loan on schedule, it will return the mutual guarantee paid by the enterprise. If there is no repayment of the guarantee, the full amount will be returned to the enterprise; if there is repayment of the guarantee, the remaining portion will be returned to the enterprise after proportional deduction.

(2) When the fund management organization and the cooperative bank business cooperation is terminated and all the loan principal and interest in the small and microenterprise mutual loans are settled, the enterprise mutual guarantee fund will be returned to the borrowing enterprises in a lump sum after deduction of the loss of compensation.

Article XV   "Government risk compensation" supplement. "Government risk compensation" by the Municipal Finance Bureau and the people's governments of the counties and districts are responsible for allocating, according to the previous year's lending and compensation, the government risk compensation into the financial budget funds, and before the end of March each year, to ensure that small and micro-enterprise mutual loans work smoothly.

Article 16  When the overdue rate of the cooperative bank's mutual guarantee loans for small and medium-sized enterprises reaches 5%, the cooperative bank will stop the implementation of this policy.

Chapter IV  Loan amount, term, interest rate

Article 17  Business varieties. Applicable to all types of credit products of cooperative banks.

Article 18  Loan amount. Combined with the actual financing needs of the pool of enterprises, the single enterprise loan amount in principle does not exceed 5 million yuan.

Article 19  Loan period. Loan period according to the business and industry characteristics of the flexible determination, generally within 3 years, the longest not more than 5 years.

Article 20  Revolving credit. Cooperative banks in the credit period each year on the borrower's operation, settlement, creditworthiness and the use of loans and other circumstances for review and evaluation, the borrower to meet the evaluation criteria, the cooperative bank to give revolving credit support.

Article 21  Loan interest rates. Cooperative banks, in accordance with the principle of revenue to cover risks and costs, implement risk pricing, according to the borrower's credit evaluation, credit rating, repayment ability, etc., with reference to the same period of the LPR (Loan Market Quotation Rate) to implement differentiated pricing.

Chapter V  Loan process

Article 22  Enterprise application. Micro and small enterprises to the county and district to promote the development of small and medium-sized enterprises and private economic development leading group office (county and district industry and information bureau) application, the county and district verification, selection of the first instance, reported to the municipal fund management organization. Municipal fund management agencies will meet the access conditions of the enterprise timely push the cooperative bank, small and micro enterprises can also apply directly to the cooperative bank, and according to the relevant requirements to the cooperative bank to submit the materials required for credit.

Article 23  Pre-credit review. Cooperative banks on the application of the enterprise within five working days to complete the specific pre-credit audit, and feedback on the investigation and verification.

Article 24  Submission of the record. After the loan enterprise audit through, the cooperative bank to do a good job related to the loan enterprise information for the record. And within three working days the list of loan enterprises reported to the government fund management organization for the record.

Article 25  Loan issuance. Through the audit of the record of enterprises in the payment of mutual guarantee, signed the loan contract, the cooperative bank within three working days to issue loans.

Chapter VI  Post-credit management

Article 26  Improvement of ledger file management. Cooperative banks to establish a complete small and micro-enterprise mutual guarantee loan credit accounts and files, detailed records of loan issuance time, amount, monthly loan balance, guarantee deposit compensation, principal and interest recovery and other information and loan overdue status of the statistical work.

Article 27  Establishment of government, bank notification and information communication mechanism. Cooperative banks regularly inform the fund management organization of the loan situation, consultation and resolution of problems arising from the operation of the loan. Establish an information-sharing platform with government departments such as market supervision, taxation, justice and other government departments and intermediary organizations such as financial supervisory departments and industry associations. It can understand and grasp the changes in enterprise credit risk through multiple channels and propose remedial measures in a timely manner.

Article 28  Information disclosure. To realize the fund management, enterprise information, guarantee money on behalf of the "three public". In particular, the cooperative bank on the application of enterprises, enterprises have been lending, not lending enterprises and not lending reasons to be publicized, easy to query. At the same time, the cooperative bank should not loan enterprises on the reasons for not loan in writing to inform the enterprise.

Chapter VII  Attachment  Rules

Article 29  These Measures shall come into force on the date of issuance of five years.