Chapter I General Rules
Article 1 To strengthen support for small and micro-enterprises, to further satisfy the financing needs of small and micro-enterprises, and to promote the healthy and rapid development of small and micro-enterprises, according to the "General Office of the State Council on the implementation of the opinions on financial support for the development of small and micro-enterprises" (State Council [ 2013] No. 87) and the General Office of the Central Committee of the Communist Party of China and the General Office of the State Council issued the "Guiding Opinions on Promoting the Healthy Development of Small and Medium-sized Enterprises" "Hebei Provincial People's Government General Office on the issuance of & lt; Hebei Province to support the financing of small and medium-sized enterprises a number of measures & gt; notice" (Hebei Province Office of the word 〔2018〕 No. 168) and other relevant provisions, combined with the actual development zone, to formulate the approach.
Article II The small and micro-enterprises referred to in these measures "help guarantee loan" business (hereinafter referred to as "help guarantee loan" business), refers to the small and micro-enterprises in the development zone in order to help the development zone through the bank loan financing, Qinhuangdao Economic and Technological Development Zone Management Committee (hereinafter referred to as "the guarantee loan" business). The Administrative Committee of Qinhuangdao Economic and Technological Development Zone (hereinafter referred to as the "Administrative Committee") and the banking institutions with which it has a cooperative relationship (hereinafter referred to as the "Cooperative Banks") issue loans to the enterprises in the pool of key small and micro-enterprises on the basis of certain guarantees provided by the enterprises and a certain percentage of guarantee deposits paid by the enterprises and a guarantee deposit provided by the Administrative Committee. On the basis of certain guarantees provided by the enterprises, a certain percentage of guarantee deposits paid by the enterprises and the risk compensation provided by the Commission shall be used as a means of credit enhancement in the credit business.
Article 3 The "key small and micro-enterprise pool" referred to in these measures refers to the Qinhuangdao Economic and Technological Development Zone Guaranteed Loan Leading Group and the cooperative bank jointly recognized by the development zone in line with the direction of industrial development, credit, stable operation of small and micro-enterprise groups.
Guarantee refers to the funds voluntarily paid by the enterprises in the "key small and micro-enterprises pool" in accordance with the prescribed proportion of the loan amount in the cooperative bank, which are used to compensate for the overdue loans of the enterprise in the business of "guarantee and loan" in the first place. The guarantee deposit is made by the enterprise itself to open an account with the cooperative bank according to the requirements, and only guarantees the principal and interest of the enterprise's own loan.
The risk compensation fund refers to a certain amount of credit enhancement funds deposited by the Commission with the cooperative bank to compensate for a certain percentage of the losses incurred in the "loan guarantee" business.
Article 4 The establishment of Qinhuangdao Economic and Technological Development Zone to help guarantee the work of the leading group (hereinafter referred to as the leading group to help guarantee the loan), as the risk of compensation for the funding agency and "help guarantee the loan" business management services organization. Guaranteed loan leading group is headed by the main responsible comrade of the management committee, members of the Finance Bureau, Economic Development Bureau, Science and Technology Innovation and Big Data Management Bureau, Market Supervision Sub-bureau, Taxation Bureau, Financial Services Center, the main person in charge of the cooperative bank. Help guarantee loan leading group office in the financial services center, the office director by the financial services center responsible person.
The main responsibilities of the leading group members:
Finance and Banking Bureau: responsible for determining the amount of risk compensation and mobilizing funds; responsible for supervising and inspecting the use of the special account for risk compensation; responsible for supervising and guiding the Financial Services Center in carrying out the business of "guarantee and loan".
Financial Service Center: responsible for the daily work of the Leading Group Office of Guarantee and Loan; responsible for leading the organization and implementation of the "Guarantee and Loan" business in the whole region; responsible for the opening of a special account to store the risk compensation and management; responsible for the business docking with the cooperative banks.
Economic Development Bureau, Science and Technology Innovation and Big Data Management Bureau: responsible for recommending small and micro enterprises with loan intention and assisting in confirming the eligibility of enterprises to enter the pool.
Market Supervision Sub-bureau and Taxation Bureau: responsible for assisting in verifying whether the lending enterprises and the main persons in charge of the enterprises have any violations of laws and regulations in industry, commerce and taxation.
Cooperative banks: responsible for reviewing the loan qualifications of the enterprises in the pool in accordance with the regulations; responsible for the issuance of loans and post-loan management of the business of "guarantee loans".
Chapter II Risk compensation for the formation and management
Article 5 Management Committee to the cooperative bank in the form of monetary funds to provide risk compensation, the amount of risk compensation by the two sides to negotiate.
Enterprises should sign the loan contract and guarantee contract before the one-time payment of security deposit at a rate of not less than 5% of the loan contract amount.
Article VI The Office of the Leading Group for Guaranteed Loans opens a special account in the cooperative bank to store the risk compensation, and the nature of the account is a special account for risk compensation. Risk compensation and fruits are only used to "help guarantee loans" business compensation (fruits are preferred).
Article VII When the enterprise loan is overdue for more than 2 months, the cooperative bank can start the compensation procedure, with the enterprise guarantee first repayment of the loan principal and interest, the shortfall by the leading group of the subsidy of the loan consideration, and then by the risk of compensation and the cooperative bank respectively, according to the proportion of 50% and 50% compensation.
Chapter III "Help guarantee loans" business basic conditions and access requirements
Article VIII "Help guarantee loans" business basic conditions for the borrower:
(a) approved by the administrative authorities for industry and commerce registration and registered in the Qinhuangdao Economic and Technological Development Zone of the enterprise legal person;
(b) business continuity of 2 years (including) or more;
(c) in line with the development zone industrial development strategy and support policies, have a fixed place of business, according to law compliance in production and operation. They have the ability to operate continuously, have legitimate sources of repayment, and are able to provide guarantees recognized by the cooperative banks;
(d) The legal representative of the enterprise and his/her spouse are of good character, have no bad habits, and have no bad credit records. Individuals with no bad credit record means that through the People's Bank of China's personal credit system query, there is no overdue or interest arrears credit record;
(e) the enterprise is not involved in high-interest lending and borrowing in the private sector, high-risk speculative behavior, and its actual controllers and their spouses are not involved in gangsterism, involvement in high-interest lending and borrowing in the private sector and other behavior;
(f) other conditions deemed necessary by the cooperative banks.
Article IX "Guaranteed Loan" business access requirements: the main body of credit for the "key small and micro-enterprise pool" recognized by the Leading Group of Guaranteed Loan directory of customers.
Chapter IV "help guarantee loan" business amount, period, interest rate and repayment mode
Article 10 Cooperative banks to issue "help guarantee loan" business total for the risk of Compensation of 5-10 times (specific magnification in accordance with the cooperation agreement signed with the cooperative bank to determine), the general amount of loans to a single household does not exceed 10 million yuan, and no more than 30% of the enterprise's sales revenue in the previous year or 50% of the balance of the risk compensation.
Article XI Loan period of not more than 2 years, renewable.
Article XII Loan interest rates are differentiated and priced according to the borrower's debt score or credit rating.
Article 13 The "guarantee loan" business shall not be used for restricted industries and real estate development.
Article XIV "The repayment method of the loan guarantee" business is decided by the cooperative bank.
Chapter V Loan application and review
Article 15 The leading group of loan guarantee members recommended and independent application for the pool of enterprises, need to be submitted to the leading group of loan guarantee office of the small and microenterprises into the pool of the application form "(Attachment 1), the enterprise needs to be provided at the same time the" corporate commitment "(Attachment 2). The Leading Group of Guaranteed Loans and the cooperative banks will conduct a comprehensive verification of the enterprises recommended or applying for pooling on their own. For eligible enterprises, the Office of the Guarantee and Loan Leading Group will issue a "Letter on the Verification of XX Enterprises in the Pool" (Attachment 3) to the member units, and the member units should actively cooperate with the verification, focusing on the use of the enterprise's borrowing, sources of repayment funds, profitability, tax status and other investigations and verifications. The office of the Leading Group of Loan Guarantees will submit the verification results to the competent leaders for approval and issue the Letter on Agreeing to Enroll XX Enterprises in the Pool (Attachment 4) to the cooperative banks. After receiving the Letter on Agreeing to Enroll XX Enterprises in the Pool, the cooperative bank shall actively dock with the applicant enterprises and propose the intention to handle the loan according to its own credit evaluation procedures and wind control policies. If it agrees to carry out the loan business, the cooperative bank is required to issue a "Letter of Recommendation for Guarantee and Loan Business" to the Leading Group of Guarantee and Loan.
Article XVI The leading group of the loan guarantee on the qualification of the borrowing enterprises from the strict review.
Article XVII The leading group to help guarantee the loan review activities do not cooperate with the enterprise, depending on the severity of the circumstances to cancel the loan qualification, and will be included in the help guarantee the loan business blacklist.
Article XVIII For the management of key support, market prospects for the pool of better enterprise loan expiry to renew the loan, by the cooperative bank according to the business situation, creditworthiness of the preliminary determination of whether to renew the loan, agreed to renew the loan, issued "to help guarantee the loan" enterprise agreed to renew the loan letter "to report to the management committee Approval.
Chapter VI Loan recovery management
Article 19 Enterprises in accordance with the loan contract signed with the bank to return the loan.
Article 20 When the enterprise loan is overdue for 2 months, the cooperative bank can submit to the leading group of the loan guarantee "on the use of the enterprise deposit in lieu of XX enterprise loan letter", with the enterprise deposit and its fruits and interests in lieu of payment of the overdue loan, at the same time by the cooperative bank to start the debt recovery program.
Article 21 When an enterprise loan is overdue for 2 months and the deposit and its fruits are insufficient to settle the principal and interest of the overdue loan, the cooperative bank shall submit to the leading group of the loan guarantee to submit the "Letter on the Use of Risk Compensation to Compensate for the Loans of XX Enterprises" and the materials of the enterprise loan is overdue, and the leading group of the loan guarantee to carry out the deliberation and inform the cooperative bank of the result of the deliberation in writing within 30 working days. The leading group of the loan guarantee shall consider the matter within 30 working days and inform the cooperative bank in writing of the result of consideration. If there is no feedback in more than 30 working days, the cooperative bank can directly deduct from the risk compensation account, and submit the relevant formalities of deduction to the Office of the Leading Group of Loan Guarantee and Assistance within 5 working days from the date of deduction.
Article 22 After the implementation of the security deposit or risk compensation compensation, the cooperative bank is responsible for debt recovery, quarterly feedback to the leading group of the work progress. Recovered funds or enterprises to resume repayment of funds recovered after deducting the necessary costs of recovery, etc., in order of priority to repay the bank's claims, risk compensation and losses incurred by the enterprise security deposit. The non-performing loans formed are counted in the non-performing loan records of the cooperative banks.
Chapter VII Post-credit management
Article 23 "Guaranteed loan" business is managed according to the general loan business. According to the relevant requirements of the cooperative bank's post-credit management, the post-credit inspection will be carried out.
Article 24 For the risk of loss of compensation or bank loan losses of the enterprise, to help guarantee the loan leading group members of its tax status, scope of operation, financial status, etc. within their respective responsibilities to carry out key supervision.
Article 25 For maliciously evading debt enterprises, will be based on the actual situation of the loan enterprise and the responsible person included in the credit blacklist, constituting a crime according to the law transfer to the judicial organs.
Chapter VIII Attachment Rules
Article 26 This method is responsible for the interpretation of the Qinhuangdao Economic and Technological Development Zone Financial Services Center.
Article 27 These Measures shall come into force on the date of publication and shall be valid for five years.
