In order to fully implement the fourth meeting of the Central Financial Committee and the State Council executive meeting, the implementation of the provincial party committee, the provincial government decision-making and deployment, and effectively play the role of financial funds prying, and increase the guidance of the financial and social capital to support the manufacturing industry in our province, to promote the new round of large-scale equipment renewal, to promote the high-quality development of manufacturing industry in our province, combined with the actual situation of the province, the development of the implementation of this program.
One, the overall requirements
Adhere to Xi Jinping's thought of socialism with Chinese characteristics in the new era as a guide, fully implement the spirit of the 20th CPC National Congress, conscientiously implement the provincial government on the construction of a strong manufacturing province, anchored in the high-quality development goals, in accordance with the principle of "exempt from the declaration of the enterprise, pay first and then subsidize the total amount of control, and strict risk prevention", and centered on the "1650", the "1650", the "1650", the "1650" and the "1650". "1650" industrial system construction of the province's manufacturing enterprises equipment purchase and renewal of the implementation of loan subsidies, prying more financial and social capital to increase investment in the manufacturing industry, and further promote the province's traditional industries, new industries, new industries, and the cultivation of the future industry, to accelerate the promotion of new industrialization, the development of new quality of productive capacity according to local conditions to provide a strong support. The new industrialization, the development of new quality productivity according to local conditions to provide strong support.
II. Discount Program
This program is mainly for eligible manufacturing enterprises to implement loan subsidies for the purchase of equipment renewal.
(I) Discount object.
Subsidized interest object through bank loans for new construction or expansion projects in the manufacturing industry. The following conditions should be met:
1. Manufacturing enterprises that are registered in the administrative region of Jiangsu Province, have independent legal personality, and have been in normal operation for more than one year by the end of 2023.
2. Have a sound financial management organization and system, and a good tax record.
3. Integrity and law-abiding, in the past three years, no major (including) more than safety, environmental protection, quality accidents (events), not included in the list of serious breach of trust subject.
4. New construction or expansion projects in Jiangsu Province.
5. The enterprise loan purpose for equipment investment (including supporting software, the same below) expenditure of not less than 5 million yuan.
(ii) Scope of discount.
The following four types of project loans will be subsidized if the interest rate of the bank loan obtained by the enterprise does not exceed the Loan Market Quotation Rate (LPR) +50BP applicable at the time of loan disbursement.
1. Innovation carrier construction projects. Support enterprises in the R & D center, technology centers and other types of innovation carrier construction using bank loans to purchase R & D equipment and supporting software. R & D equipment and supporting software refers to all kinds of R & D activities for R & D instruments, equipment and tools, test and measurement instruments and supporting software.
2. Intelligent transformation of digital to network projects. Support enterprises in the implementation of intelligent transformation, digital transformation, network connectivity construction in the use of bank loans to purchase digital equipment and software. The costs associated with digital equipment and software include the purchase and installation of production equipment, software purchase and application license fees and related system integration and maintenance fees, network service fees and public and private cloud construction inputs.
3. Industrial transformation and upgrading projects. Support enterprises in eliminating backward transformation, green manufacturing, service-oriented manufacturing and other projects using bank loans to purchase hardware and software equipment. Hardware and software equipment, including but not limited to high-grade CNC machine tools, machining centers, industrial robots, intelligent automated production line equipment, sensors, network equipment, inspection and testing equipment, new environmental protection equipment, etc.; software, including but not limited to intelligent workshop or production line control system software, system integration software, product lifecycle management software, CAD, ERP, MES, PLM, SCM Software includes but is not limited to intelligent workshop or production line control system software, system integration software, CAD, ERP, MES, PLM, SCM, etc.
4. Other equipment renewal projects. The implementation of the relevant policies of the central government to support enterprises in large-scale equipment renewal projects using bank loans to purchase hardware and software equipment.
In addition to the main equipment specified above, the construction of the project does require ancillary equipment (such as air conditioning, etc.) can also be included in the scope of the subsidized interest rate, the ancillary equipment shall not exceed 10% of the total investment in equipment. The civil construction of the enterprise's factory building and the underlying working capital shall not be included in the scope of the subsidized interest rate. Late repayment of loans generated by the overdue loan interest, plus interest, penalty interest, the object of the discount, the scope, the purpose of the loan and other inconsistent with the provisions of the scope of the discount is not included.
(3) Discounting mode.
Subsidized funds for the implementation of the "pay first and then post", to take the "free enterprise declaration" approach, that is, the borrowing enterprise should be required to pay the loan interest first, by the lending bank according to the interest Payment list and other declaration materials in accordance with the procedures to the provincial financial directly apply for subsidized interest returned to the enterprise.
(4) Period of discount.
On January 1, 2024 ~ December 31, 2026 signed a loan contract and disbursement, the interest incurred and paid during this period to be subsidized. Subsidies are provided in three time periods each year, January 1 ~ June 30, July 1 ~ September 30, October 1 ~ December 31, respectively.
(v) Discounting standard.
1. Proportional control. Eligible projects can enjoy the provincial financial 1 percentage point of the loan discount.
2. Amount control. The maximum annual provincial interest rate subsidy for a single project is not more than 5 million yuan. The same enterprise more than one project meets the conditions of the interest rate, according to the project loan amount measured by the amount of interest rate, a single enterprise annual provincial interest rate funds totaling no more than 10 million yuan.
Subsidized interest amount is calculated as follows: the amount of subsidized interest = the actual amount of interest paid on a single lending corresponds to the principal amount × 1% × (subsidized interest time period of the actual number of days to pay interest / 365); which, the amount of the principal amount of the loan according to the actual amount of the lending and the use of enterprise loans for the purpose of the lower of the principle of equipment investment expenditures taken value. If the loan is disbursed in batches, the cumulative amount of the bank's disbursement exceeds the portion of the enterprise's loan purpose that is used for equipment investment expenditures, the interest rate will not be discounted.
(vi) Total discount control.
The total size of the subsidized loans in 2024 will not exceed 30 billion yuan, on a first-come, first-served basis, while the quota runs out. The same loan in the subsidized interest year to obtain the total amount of financial subsidies at all levels of funding shall not exceed the total amount of interest payments on the loan; has been the provincial level of other areas of the loan subsidy, will not repeat the subsidy, such as the late discovery of duplication of the subsidy, the enterprise should be returned to this area of the subsidy.
(vii) Establishment of synergy mechanism.
1. Multi-level linkage. Encourage district cities to coordinate the promotion of the jurisdiction of the manufacturing project loan subsidy work. Area cities, counties (cities, districts) at both levels can enjoy the provincial interest rate of the project, each given another 1 percentage points of interest rate. Provincial finance will be in accordance with the municipalities of the previous year's financial subsidy expenditure on manufacturing project loans, to give some incentives.
2. Policy synergy. Discount year, this discount policy and the construction of manufacturing province special funds to support the policy can be enjoyed at the same time.
III. Implementation Process
(a) Form a loan project reserve.
1. District municipalities, counties (cities) industry and information departments to carry out preliminary mapping, organization combing the region eligible enterprise projects, organizations and enterprises to fill out the online "Jiangsu Province, the manufacturing sector, project loan demand table" (Annex 1), fill out the online website: the provincial Department of Industry and Information Technology flagship store of online services (https://), click on the "
1. www.jszwfw.gov.cn/col/col140127/index.html), click on "Jiangsu Province manufacturing province construction special funds project management system".
2. Each district city, county (city) industry and information department through the special funds project management system (http://172.23.12.8/support-library-platform/#/login) review and recommendation of the region's manufacturing enterprises project loan demand form. After passing the audit, the system automatically generated by the "manufacturing sector project loan demand list" (see Annex 2) stamped with the official seal of the unit, on April 12 will be reviewed and approved by the list of projects reported to the Provincial Department of Industry and Information Technology.
3. Provincial Department of Industry and Information Technology, the Department of Finance to summarize the formation of the province's manufacturing loan project pool, project pool, in principle, a quarterly rolling update, eligible projects are eligible for financial subsidies.
(ii) Procedures for subsidizing the loans of cooperative banks.
1. Establishment of bank-enterprise docking mechanism. Participate in the provincial manufacturing loan financial subsidy work of provincial banks (refers to the policy banks and 2023 national systemically important banks of provincial branches and first-class branches, as well as the Bank of Suzhou and Jiangsu Province, such as the agricultural credit system of the provincial legal person bank head office), in the submission of the "Jiangsu Manufacturing Loan" financial subsidized interest rate of the cooperative bank commitment" (see Annex 3) after becoming a cooperative bank, the provincial industrial and commercial enterprises. (see Annex 3) to become a cooperative bank, the provincial Department of Industry and Information Technology, the Department of Finance to push its manufacturing loan project reserve. Cooperative banks need to establish city and county banks (hereinafter referred to as "banks") and enterprise docking mechanism to achieve information sharing between banks and enterprises.
2. Loan contract signing and disbursement. The bank should take the initiative to dock with the local enterprises in the database, and sign a loan contract between the two sides for the enterprise loan application that meets the policy regulations and credit approval requirements. After the signing of the contract, the bank shall label the project loan as "Jiangsu Manufacturing Loan" product. According to the principle of fiduciary payment, the bank will pay the lending funds to the supplier according to the equipment purchase contract provided by the enterprise; for the equipment purchase expenditures that have been incurred by the enterprise for the purpose of the loan before the lending, the equipment purchase contract submitted by the enterprise must be audited and the valid bills will be processed for the payment procedures.
3. Discount fund measurement and application. After the bank disbursement within 30 days, the loan contract and application materials for subsidized interest will be submitted to the local industry and finance departments for the record, and at the same time submitted to the cooperative bank for review. Among them, the city and county linkage subsidy projects are uniformly labeled "linkage subsidy". For project loans in line with the policy, the cooperative bank according to the loan contract and the actual disbursement of funds, against the discount policy to calculate the amount of each enterprise, each project current discount, respectively, on January 31 each year, before July 20, before October 20 will apply for a list of subsidized funds and related materials submitted to the provincial Department of Industry and Information Technology, the Department of Finance.
4. Discount funds review and issuance. Provincial Department of Finance, the Department of Industry and Information Technology in accordance with the prescribed procedures for review and approval, on August 15 of that year, November 15 and the following year before the end of February will be disbursed to the cooperative bank, at the same time the list of subsidized funds will be copied to the municipal and county industrial credit, financial sector. After receiving the subsidized interest funds, the cooperative bank will pay them to the relevant subsidized interest enterprises within 5 working days. The amount of interest rate subsidy obtained by the enterprises will be synchronized by the local industry and information technology and finance departments to inform the enterprises through the "Digital Industry and Information Technology" system and other means. After receiving the subsidized funds, the enterprise should upload the receipt voucher to the management system within 15 working days.
(iii) Non-cooperative Bank Loan Subsidy Procedures.
Through non-cooperative banks to obtain loans that meet the conditions of the interest rate subsidy, by the enterprise in the following year, through its location of the industrial credit, financial sector level by level declaration, the provincial financial regulations to be subsidized. Specific reporting requirements in the construction of manufacturing province special funds reporting guide is clear.
Four, safeguard measures
(a) Strengthen the organization and leadership.
Localities should attach great importance to the "1650" industrial system construction as a manufacturing province's general grasp, strengthen organizational leadership, the establishment of industry, finance, and other cross-sectoral collaborative working mechanism, and relevant banks to work closely with a clear division of responsibility. Refinement of the work initiatives, develop a timetable, roadmap, responsibility to people, to ensure that the financial subsidy policy for manufacturing loans will be implemented in place without compromise.
(ii) Enhance guidance services.
Related financial institutions and related departments at all levels of industry, finance and other relevant departments to strengthen the policy publicity and interpretation, open interest object, scope, mode and standard, etc., to guide the enterprise according to their own needs to actively use the provincial manufacturing loan financial subsidy policy. Strengthen the enterprise service, play the role of the financial enterprise contact point system, so that the policy directly to the door, service, and further enhance the sense of enterprise.
(c) Strengthen the implementation of responsibility.
Industry and credit departments should take the initiative to sort out the loan demand, eligible enterprises, guide enterprises to fill in the system, and actively do a good job of communicating with the bank docking to strengthen the audit of the project in the database. The financial sector to make budgetary arrangements, timely review and disbursement of funds, the work of the cooperative bank into the agent of the financial business of the bank service evaluation, outstanding achievements to be incentivized. Cooperative banks should press the responsibility of loan review, strengthen the post-loan management, timely disaggregation and disbursement of subsidized funds, tracking and supervision of loan funds safety, compliance and effective use. The enterprise should strictly according to the policy provisions and loan contract agreement to use the loan funds.
(4) Strengthen the supervision of funds.
The full use of information technology means to strengthen the relevant bank loan issuance tracking. Cooperative banks submit the actual use of subsidized funds to the Provincial Department of Finance and the Department of Industry and Information Technology on an annual basis. Industry and information technology, finance departments to organize after-the-fact audit and spot checks, audit and other departments to strengthen tracking supervision, to ensure that the loan interest subsidy policy accurate landing. Discount funds are misrepresented, fraudulent, retained, squeezed, misappropriated and other cases, once found will be dealt with in accordance with the law.
Contact: Provincial Department of Finance, Trade and Industry Development Zhang Lianzheng, 025-83633103;
Provincial Department of Industry and Information Technology, Comprehensive Planning Department Zhou Yang, 025-69652839;
Provincial Department of Industry and Information Technology, Comprehensive Planning Department Zhou Yang, 025-69652839;
Technology Innovation Department, Zhao Diyang, 025-69652813;
Industrial Transformation and Upgrading Department, Song Lianzheng, 025-69652686;
Two-tier Industry Development and Upgrading Department, Song Lianzheng, 025-69652686;
Attachment: 1. "Jiangsu manufacturing loan" financial subsidy cooperation bank commitment.doc
2. . Jiangsu Province in the field of manufacturing new project loan demand list.xls
3. Jiangsu Province in the field of manufacturing project loan demand table.docx
