Chapter I General Provisions

Article 1 In order to further utilize Guiyang City's industrial development capital pool and enrich the credit enhancement measures for Guiyang Guian industrial enterprises, Guiyang City Industrial Development Risk Compensation Capital Pool (hereinafter referred to as the "Risk Compensation Capital Pool") is established according to the "Guiyang City's Industrial Development Capital Pool Management Measures".

Second The enterprise referred to in this program refers to the industrial enterprises established in accordance with the law in this city, in principle, the actual operation of at least one full fiscal year.

Article 3 The guaranteed loans referred to in this program refer to the business issued by the cooperative banks to the enterprises and guaranteed by the trustee management organization of the risk compensation pool (hereinafter referred to as the "trustee management organization") as the guarantor.

Article 4 The risk compensation pool referred to in this program, refers to the trustee management organization for eligible enterprises to provide financial guarantees, in the expiration of the loan, the guaranteed enterprise did not return the bank loan according to the contract, the occurrence of compensation for the implementation of risk compensation pool.

Chapter II Operating Mechanisms

Article V Guiyang City Industrial Development Fund Pool and Industrial Development Fund Management Committee Office (hereinafter referred to as the "Management Committee Office") is responsible for the study and formulation of the use of funds, principles, coordinating the source of funds, supervise the trustee management organization to do a good job in the daily management of the pool of risk compensation funds, coordinate and solve the major problems in the operation of the pool.

The Office of the Management Committee does not engrave seals; if necessary, the Guiyang Municipal Bureau of Industry and Information Technology (hereinafter referred to as "Municipal Bureau of Industry and Information Technology") will sign the seals on behalf of the Committee.

Article 6 Guiyang Industrial Financing Guarantee Co., Ltd. shall be the entrusted management organization of the risk compensation fund pool.

Article 7 Under the guidance of the Office of the Management Committee, the trustee management organization shall be responsible for the daily management of the operation of the risk compensation fund pool in accordance with the provisions of this program. The main responsibilities are as follows:

(1) to be responsible for the accounting and management of the funds, and to ensure that the risk compensation fund pool operates in accordance with the law;

(2) to be responsible for expanding the cooperative banks, cooperating with the cooperative banks in the review of the loans, and assisting in the pre-loan investigation and issuance of the relevant work;

(3) to be responsible for the follow-up recovery of the compensated projects and other related matters, and to propose the specific recovery based on the The actual situation of the business to put forward specific recovery measures;

(d) responsible for regular reports to the Office of the Management Committee on the operation and management of the risk compensation fund pool;

(e) to complete other related tasks assigned by the Office of the Management Committee.

Article VIII: Conditions for admission and main responsibilities of the cooperative banks of the risk compensation fund pool are as follows:

(1) The cooperative banks shall have the following conditions

1. Acknowledging this program, having branches in the city, high efficiency in service delivery, advanced credit approval process, strong risk prevention and control capability, professional service groups and loan products applicable to industrial enterprises;

2. will be the guaranteed loans referred to in this program, the establishment of a green approval channel;

3. must have a sound credit management system, strong loan risk prevention and control and disposal capabilities.

(2) Main responsibilities

1. Responsible for publicizing the cooperation business of the risk compensation pool in Guiyang city area;

2. Responsible for the enterprise's guaranteed loan investigation, risk analysis, and deciding whether or not to issue the loan and the amount to be issued;

3. Responsible for the issuance of the enterprise's loan and post-credit management;

4. Responsible for the collection of the overdue loan

5. Cooperate with the trustee management organization in the recovery of compensated loans.

Article 9: The risk compensation fund pool shall be managed in a separate bank account and shall be used exclusively for special purposes, and shall not be diverted to other purposes. The interest income generated by the fund pool shall be rolled over for use, and may be used to compensate for risks, subsidize the guarantee fee, and hire third-party institutions and other related operating expenses.

Chapter III Objects and Scope of Use

Article X Risk Compensation Fund Pool support must be consistent with the provisions of Article II of this program. Enterprise products in line with national and provincial and municipal industrial policy, technology has advantages, product market, development potential, production and operation in good condition, good faith, no serious adverse records of industrial enterprises. In the name of the enterprise's shareholders, actual controllers, legal representatives to apply for loans substantially for business operations.

Article 11 The loan applicant must have the ability to repay the principal and interest of the bank's credit funds on schedule, with stable and reliable sources of repayment funds.

Article 12 The purpose of the loan is to provide working capital loans for the purchase of raw materials and product research and development required for the production and operation of the enterprise, and fixed asset loans for the construction of production sites and the purchase of equipment, etc. The loan shall not be used for equity investment not related to the production and operation of the enterprise and the prohibited fields explicitly stipulated by the state, the province and the city.

Article 13 For loans included in the risk compensation pool compensation, the amount of a single loan within the current year shall not exceed 10% of the net assets of the trustee management organization at the end of the previous year or the current period.

Article XIV The guarantee fee is charged in a differentiated manner, with the maximum guarantee fee rate for the part of the single-family loan amounting to less than 20 million yuan (inclusive) not exceeding 0.9%/year, and the guarantee fee rate for the part of the loan amounting to more than 20 million yuan being charged at 1.5%/year. After the industrial enterprises below the size of the regulation into the statistics, single-family new loans or renewals of loans in the amount of 20 million yuan (including) the part of the guarantee fee rate of 0.5% / year for two consecutive years (during this period of industrial enterprises under the regulations of the next year will no longer be entitled to the guarantee fee rate of 0.5% / year), the time of the regulation of the first time to participate in the month of the statistics network reporting calculation shall prevail.

Article XV of the business in line with the requirements of this program to the trustee management agency to subsidize the guarantee fee, according to the guarantee fee charged less than 1.5% / year of the difference between the guarantee fee subsidies, subsidies by the Municipal Bureau of Industry and Information Technology in accordance with the annual budget to be expended. The subsidy funds are declared on an annual basis, and the following information is required:

(a) application for subsidy;

(b) list of enterprises to be supported;

(c) guarantee contract and loan contract;

(d) proof of payment of guarantee fee by the enterprises;

(e) other information to be supplemented.

Article 16 Any one of the following circumstances shall not be included in the scope of support for projects of the risk compensation pool:

(1) Within two years prior to the declaration of the project, there is a record of major violation of law in business activities.

(ii) Being investigated or probed by the relevant departments for suspected illegal behavior.

(C) is in the process of major litigation or arbitration that may affect the normal business activities of the unit.

(d) Projects that have already enjoyed other categories of financial risk compensation will not be supported by this risk compensation pool.

(E) Other circumstances that do not qualify for inclusion in the scope of support for projects in the risk compensation pool.

Chapter IV Declaration Process and Loan Management

Article 17 Enterprises that meet the conditions for declaration of compensation from the risk compensation fund pool shall fulfill the following operation process:

(1) Enterprise Application: Enterprises apply directly to the trustee management institution, cooperative banks, member units of the management committee, and competent departments of industry and information technology of the districts (municipalities, counties, and development zones), and after the preliminary examination and initial selection of the recommended units, enterprises that meet the conditions will be given support. Enterprises that meet the conditions after preliminary examination and selection will be included in the support scope of the risk compensation fund pool after confirmation by the office of the Management Committee.

(2) Business investigation: The trustee management organization will investigate the qualification and credit of the applicant enterprises after the initial examination and approval, and then make guarantee opinions and decide whether to provide guarantee for them.

(3) Disbursement and filing: Loans approved by the trustee management organization and approved for disbursement by the cooperative bank shall be filed with the office of the management committee by the trustee management organization on a monthly basis by the 5th of the following month for the filing of disbursement information. Businesses not filed by the filing deadline shall not be included in the support scope of the risk compensation fund pool.

Article 18 After the loans are disbursed, the entrusted management institution shall strictly supervise the lending enterprises to comply with the provisions of the contract to ensure that the use of the loans meets the requirements and the repayment of principal and interest is made on schedule.

Article 19 The trustee-administering organization shall strengthen the management and supervision of the risk compensation pool projects after loan/guarantee, and report to the office of the management committee on a quarterly basis on the situation of the enterprises included in the risk compensation pool. The reporting time shall be the last 3 working days at the end of each quarter. If the report is not made within 15 working days, the loan/guarantee business of the risk compensation fund pool that has already taken place in the current quarter shall not be included in the scope of support of the risk compensation fund pool.

Article 20 If a loan enterprise fails to return interest for three consecutive times or six times in total, or fails to return the installment principal as agreed in the loan contract, etc., which may occur in lieu of repayment, the entrusted management institution shall promptly report to the office of the management committee during the loan survival period.   

Article 21 The term of working capital loans shall not exceed one year in principle, and the term of fixed asset loans shall not exceed five years in principle, and the loan can be renewed according to the actual situation after the principal and interest are returned on time.

Article 22 The cooperative banks shall implement pricing in accordance with the principle of covering risks and costs with revenue, and in principle, the interest rate on loans shall not exceed 50% above the quoted loan market rate (LPR) for the same period.

Chapter V Risk Compensation Management

Article 23 The total size of the risk compensation pool is 30 million yuan, of which 20 million yuan is divided into Guiyang City Industrial Development Pool for funding (the 20 million yuan of the funds, losses due to risk compensation, is not included in the scope of the appraisal of the entrusted management unit), and the remaining 10 million yuan by the Guiyang City Industrial Development Pool's net The remaining 10 million yuan from the net income of Guiyang City Industrial Development Fund Pool, according to the first year 3 million yuan, 3 million yuan in the second year, the third year 4 million yuan in the way of funding, when the risk compensation pool of funds is less than 30 million yuan, Guiyang City, industrial development pool of net proceeds to make up for it.

Article 24 According to the maximum value of the actual funds in place in the risk compensation pool for each year as the basis for the corresponding guarantee guarantee business magnification (guarantee guarantee business magnification is recognized as the year of loan disbursement and included in the risk compensation pool of the loan business) reaches 5 times (inclusive) to 10 times, the trustee management organization and risk compensation pool in accordance with the ratio of 8:2 to guarantee the principal of the loss-sharing (the). (The magnification of the guarantee business in the year of loan disbursement shall be recognized as the criterion for principal loss sharing.) If the magnification of the guarantee business reaches 10 times (inclusive) or more, the trustee management institution and the risk compensation fund pool shall share the loss of the guarantee principal according to the ratio of 5:5, and the risk compensation shall not be made if the magnification of the guarantee business reaches less than 5 times.

Article 25 The trustee management organization is responsible for the recovery of the loan enterprise, and the recovered funds will be given priority to pay the reasonable cost of recovery, and the remaining funds will be transferred to the risk compensation fund pool and the trustee management organization according to the proportion of the loss borne by each of them.

Article 26 After the trustee management institution receives the notice of repayment from the lending bank, it will repay the non-performing loans in full.

Article 27 When the compensation reaches 50% of the size of the risk compensation fund pool, the risk compensation to the trustee management institution will be suspended, and during the suspension period, the normal development of the trustee management institution's business and disbursement of funds will not be affected, and when the size of the supplementary risk compensation fund pool reaches 100%, the risk compensation will be restarted.

Article 28 After the trustee management institution has compensated for the loan enterprise, it shall submit the compensation application to the office of the management committee, and the following written materials shall be submitted:

(1) the application for compensation;

(2) the loan contract, the guarantee contract, the statistical table of the loss of the principal and interest;

(3) the relevant certificates of the loan enterprise's compensating for the loan enterprise;

(4) the debt recovery measures and the stages of the compensation. Debt recovery measures and stage description materials;

(v) Other supplementary information required.

After the trustee management institution has made full repayment of the guaranteed loan in accordance with the regulations, it shall submit the repayment information to the office of the management committee within 30 days, and after the office of the management committee has entrusted a third-party professional organization (the third-party professional organization includes, but is not limited to, accounting firms, law firms, etc.) to conduct an audit and confirmation of the repayment information (within 60 days from receipt of the repayment information), it will issue an audit and confirmation letter (the confirmation letter includes, but is not limited to, the following). The content of the confirmation includes but is not limited to: the reasonableness, compliance, legality and authenticity of the compensation information and the compensation amount), and the office of the management committee shall determine the compensation amount based on the audit confirmation issued by the third-party professional organization.

Chapter VI Supervision and Examination

Article 29 The risk compensation pool shall be supervised jointly by the office of the Management Committee, the trustee management organization and the cooperative banks.

Article 30 Strengthening of supervision and inspection, the Management Committee Office may commission third-party professional organizations such as accounting firms to conduct special audits and inspections of the use and management of funds, according to the composition of the Management Committee of Guiyang Municipal Industrial Development Fund Pool, the organization of finance, development and reform, finance and other relevant departments and experts to carry out the review, completed by March 31 of the following year, the determination of the annual compensation projects to ensure that The funds are used openly and transparently.

Article 31 The establishment of the lender disciplinary mechanism, the malicious evasion of suspended debt lenders, suspected of committing a crime, transferred to the judicial organs in accordance with the law.

Article 32 The office of the management committee, the trustee management agency, cooperative banks and their staff to fraudulently obtain, misappropriation, misappropriation of risk compensation funds, in accordance with the "Regulations on Penalties and Sanctions for Fiscal Violations" and other provisions of the relevant units and personnel shall be punished, and suspected of committing a crime, be transferred to the judicial organs to deal with in accordance with the law.

Article 33 of the trustee management organization of the cooperative banks once a year to assess the approval rate of industrial enterprises, bank approval time, loan disbursement progress, the average implementation of the interest rate, the efforts to recover overdue loans and other indicators. The evaluation results shall be reported to the office of the Management Committee as the basis for cooperation in the following year.

Article 34 In accordance with the "Guidelines for Classification of Loan Risks" (Banking Supervision and Administration [2007] No. 54), it is strictly prohibited for the cooperative banks to transfer the existing non-normal class of substandard loans to the scope of risk compensation, and upon discovery of this, the cooperation shall be immediately canceled and responsibility shall be pursued in accordance with the relevant laws and regulations.

Chapter VII Supplementary Provisions

Article 35 After the risk compensation pool is no longer established or the entrusted management business is terminated and liquidated, the entrusted management institution shall return the principal and interest balance of the risk compensation pool to the Guiyang City Industrial Development Pool.

Article 36 The interest rate on the deposits of the risk compensation fund pool shall be negotiated between the entrusted management institution and the cooperative banks, and reported to the office of the management committee for implementation.

Article 37 This program will be implemented on a trial basis from the date of issuance, and will be adjusted in due course according to the trial situation, and the relevant policies will be interpreted by the Office of the Administrative Committee.