In order to further promote the city of industry and innovation-driven strategy, to further stimulate the innovation vitality of industrial enterprises, to support enterprises to carry out technological research and development and industrialization of achievements, the whole process of support for enterprise innovation, to alleviate the difficulties in financing, financing expensive problems, and promote the modernization of the city's industrial system, the special development of the implementation of the program.

One, the overall goal

In accordance with the "financial funds to increase credit guidance + monetary policy tools to support + bank credit funds to follow up" the overall idea, innovation and development of "special industrial innovation development". The development of "industrial innovation and development of special loans" (hereinafter referred to as "industrial innovation loan") exclusive products. Through the city and district governments to raise 100 million yuan to set up loan risk compensation funds, with a ratio of 1:10 prying bank credit funds of 1 billion yuan to support the innovative development of industrial enterprises. The central bank of Yingtan City set up 1 billion yuan to support small re-lending special quota for financial institutions to issue "industrial loans" to provide low-cost central bank funding support.

Second, the implementation of the principle

Government guidance: the establishment of a loan risk compensation fund pool with special financial funds, to guide the investment of credit resources to the field of industrial innovation.

Market operation: follow the laws of financial operation, adhere to market-oriented operation, supported by effective demand, on the basis of the consent of borrowers and lenders to facilitate industrial cooperation.

Linkage collaboration: the implementation of the city and district level linkage, play the main responsibility of districts (cities); smooth government, bank and enterprise information exchange and cooperation channels, give full play to the role of the "Industrial Innovation Loan" to help enterprises carry out innovative activities.

Risk control: Strictly comply with national laws, regulations and financial supervision requirements, guide the use of loan funds in compliance, and reasonably share loan losses.

Three, the object and purpose of the loan

(a) the object of the loan. In accordance with the "Yingtan City Industrial Innovation Voucher Implementation and Management Measures (for trial implementation)" approved industrial innovation vouchers for the record and through the industrial innovation vouchers for the final evaluation of the enterprise, and at the same time have the following conditions:

1. Comply with national laws and regulations, industrial policy, environmental protection requirements, in line with the conditions for access to bank credit;

2. Good credit standing, no non-performing loan balances, no non-performing guarantee balances, no malicious debt defaults, and no major adverse credit records such as litigation that may bear legal consequences when applying for loans.

(2) Loan purpose and type. The "Industrial Innovation Loan" is used for the R&D and subsequent industrialization of the projects supported by Yingtan Industrial Innovation Voucher. It shall not be used to return other debts of the enterprise, or to invest in stock market, futures market, bonds, etc. If the loan is beyond the scope of support, the relevant departments shall not use the loan for any other purpose. If beyond the scope of loan support, the relevant departments in accordance with the responsibilities of the authority to pursue the main responsibility of the enterprise. Cooperative banks shall set aside a separate credit line for "Industrial Innovation Loan", and shall not replace the original loan of the enterprise in any form. There are two product categories for "Industrial Innovation Loan": A. Innovation Voucher Record Loan and B. Innovation Achievement Industrialization Loan.

Four, cooperative banks and mode of operation

(a) Cooperative banks. In order to dock to obtain the People's Bank of China refinancing policy support, and effectively reduce the cost of enterprise financing, the city's commercial banks are authorized to handle the "industrial loan" business, at present can carry out the "industrial loan" business Yingtan Agricultural and Commercial Bank, Industrial and Commercial Bank of China Yingtan Branch, Jiujiang Bank Yingtan Branch. Bank of China Yingtan Branch, Jiujiang Bank Yingtan Branch. The districts (cities), high-tech zones can not be higher than the interest rate of the program loans, their own choice of adjustments or supplementary cooperative banks.

(ii) loans and risk compensation. The districts (cities), high-tech zones are responsible for the specific implementation of the local "industrial loan" policy, to apply for loans with the cooperative bank to strictly check the project to determine the object of loan support, the scale of the loan overdue risk compensation matters.

(C) risk compensation fund-raising. The districts (cities), high-tech zones in conjunction with the actual establishment of their own loan risk compensation fund pool, in the cooperative bank or its branches to set up a "special loan for industrial innovation and development" risk compensation account, and set up a risk fund management organization responsible for the management and use of risk compensation funds; municipal level in two years from the special funds for industrial innovation and multiplication of 50 million yuan, in the risk compensation funds in the local risk management organization. The municipal level in two years from the industrial innovation multiplier special funds in 50 million yuan, in the risk compensation funds in place and issued loans, in accordance with the ratio of 1:1 supporting support around the risk compensation fund pool, for municipal funds, risk compensation around the cooperative bank in accordance with the ratio of 4:4:2 share the risk of the loan.

V. Loan policy

(a) Credit policy.

1. Loan method: credit loan.

2. Loan amount: First, the innovation voucher filing loan amount, the successful approval of Yingtan City industrial innovation voucher filing enterprises, districts (cities), high-tech zones contracted by the cooperative institutions in accordance with the innovation voucher amount of no less than 60% of the loan issued; second, the amount of loans for industrialization of innovation results, through the Yingtan City industrial innovation voucher The second is the amount of loans for the industrialization of innovation results, for enterprises that have passed the evaluation of Yingtan City Industrial Innovation Voucher, the cooperative institutions contracted by the districts (cities) and high-tech zones will issue loans of up to 20 million yuan for a single household in accordance with the evaluation and assessment grades.

3. Loan period: First, the innovation voucher filing loan period up to the validity of the enterprise innovation voucher filing; second, the innovation results of the industrialization loan period up to 2 years (including), specific by the cooperative banks and loan enterprises to determine the negotiation.

4. Loan interest rate: Maximum not exceeding the LPR rate +50 BP for the same period announced by the People's Bank of China.

5. Repayment method: Monthly interest payment, return of principal at maturity.

6. Other Requirements: Enterprises that have applied for innovation voucher loans should return the original innovation voucher loans if they need loans for the industrialization of innovation results after they have passed the innovation voucher closing assessment.

(ii) Discount policy.

Enterprises applying for loans for industrialization of innovation results can enjoy the relevant interest rate subsidy policy in accordance with the spirit of the policy of "Sixteen Policies and Measures for Three Years' Multiplication of Industrial Innovation and Development in Yingtan City (Trial)".

Sixth, the loan process and other

According to the principle of territoriality, the districts (cities), high-tech zones and cooperative banks are responsible for doing a good job of the "Industrial Innovation Loan" approval and issuance and The process is as follows:

(1) Loan application. Each district (city), high-tech zones to develop specific operating rules, clear loan application, review, approval and issuance procedures and announcement of enterprises. Access to Yingtan City Industrial Innovation Voucher filing, through the end of the evaluation of the enterprise according to the procedures announced by the place of belonging to the loan application.

(ii) Loan approval and issuance. Enterprises apply and provide information as required, the cooperative bank relying on the credit system and enterprise income and expenditure flow platform, and according to the internal process to complete due diligence, the districts (cities), high-tech zones according to the approval of the issuance process to complete the audit, the cooperative bank according to the actual needs of the enterprise approval of the issuance of loans, the above process is completed within fifteen working days. The above process is completed within fifteen working days. For projects that are not loaned, the opinions must be clear and explained to the enterprises.

(C) matching funds disbursement. After the cooperative bank disbursement, the districts (cities), high-tech zones will be supporting funds to apply for reports and bank loan certificates and other materials submitted to the municipal industrial strength office. Municipal industrial strong office review and reported by the municipal government in charge of the leadership agreed to within seven working days to support the supporting funds allocated to the local risk compensation account.

(D) Post-credit management. Cooperative banks should further enhance the level of post-loan supervision, after the loan is issued, to strengthen the late tracking of the loan, multi-channel understanding, grasp the enterprise's credit risk changes, the abnormalities occurring in the enterprise, should be immediately issued to the enterprise's local risk capital management organization risk tips, and together with the risk capital management organization in a timely manner to take corresponding measures. 30 days before the expiration of the loan, the cooperative bank through SMS, telephone, door-to-door and other ways to the borrowing enterprise to do a good job of repayment tips due.

Seven, the implementation of risk compensation

In accordance with the principle of "whoever approves, whoever is responsible", the process is as follows:

(a) Loan overdue collection. Loan period of the enterprise occurs in arrears of interest or loan expiration of the enterprise has not repaid the loan, the cooperative bank shall promptly issue a "reminder notice", and feedback to the location of the risk capital management organization. The districts (cities), high-tech zones should provide the necessary support and help for the cooperative bank loan recovery.

(ii) Initiate risk compensation.

1. After the cooperative bank issued a "reminder notice", the enterprise has not yet repaid the loan principal and interest, the cooperative bank to the court to file a lawsuit and apply for property preservation, the risk funds to the enterprise's location to serve the "Notice of Risk Compensation" risk fund management agencies, requiring compensation for compensation of risk. left;">(3) Notice of acceptance by the court and relevant supporting documents.

2. The districts (cities), high-tech zone risk fund management organization to review and verify the material, submitted to the local government (management committee) meeting for consideration, approved by the meeting to start the risk compensation, in accordance with the city, the district (city), the cooperative bank 4:4:2 risk-sharing ratio to implement risk compensation. In principle, all risk compensation procedures will be completed within 2 months. The scope of risk compensation compensation for the outstanding loan principal and interest (interest calculation up to 4 months), excluding penalty interest and compound interest.

3. Districts (cities), high-tech zones to complete the risk compensation, should be approved in a timely manner to start the risk compensation decision, risk compensation materials, repayment vouchers, etc. reported to the city of strong industrial office, the city of strong industrial office in conjunction with the municipal Finance Bureau, the corresponding reduction of municipal funds. The districts (cities), high-tech zones in accordance with the operating rules at this level in a timely manner to supplement the risk capital pool; municipal capital pool is insufficient, in accordance with the district (city) risk funds to supplement the situation, the municipal industrial strong Office in conjunction with the Municipal Bureau of Finance in a timely manner to the municipal government to apply for additional risk funds.

(c) Recovery according to law. After the implementation of risk compensation, cooperative banks still need to continue to recover from the enterprise, the districts (cities), high-tech zones should actively assist with the recovery of the loan settlement amount deducted by the parties jointly recognized by the cost of the actual proportion of losses borne by the original channel to be returned.

(d) Risk compensation processing. In the survival of the risk compensation fund, the risk compensation fund balance as the next year's risk compensation fund rollover use, deposit interest credited to the risk compensation fund.

Eight, organizational security

Municipal Industrial Strength Office to strengthen the district (city), high-tech zones, "Industrial Loan" implementation of the progress of scheduling; municipal finance office, the municipal People's Bank of China on the "Industrial Loan" implementation progress; municipal finance office, the municipal People's Bank of China on the "Industrial Loan" implementation of scheduling. The People's Bank of China will monitor, evaluate and analyze the situation of the "Industrial Loan"; Yingtan City Central Bank of the People's Bank of China will actively strive for the refinancing quota of the higher level banks, and provide small refinancing financial support on a monthly basis in accordance with the ratio of 1:1; the districts (municipalities), hi-tech zones and cooperating banks are responsible for doing a good job of the "Industrial Loan" product promotion, approval and approval of the "Industrial Loan" product. "The product publicity and promotion, approval and issuance and supervision and management work, and assume the corresponding regulatory responsibility; the cooperative banks should actively seek upward policy and financial support.

Districts (cities), high-tech zones on the expiry of the default loan has not yet returned the borrower enterprise, cancel the year to enjoy all kinds of preferential policies, financial subsidies and honors selection qualification, the borrower enterprise malicious fraud, debt evasion suspected of committing a crime, should be filed in a timely manner, investigations, according to law, to investigate the responsibility for the violation of the law.

To have done their duty to fulfill their responsibilities, the project still deviates from the error, in accordance with the "on the city's discipline inspection and supervision organs to implement the implementation of fault tolerance and error correction mechanism of the implementation of the rules (for trial)" (Eagle Ji Fa [2020] No. 9).

Nine, bylaws

This program by the municipal industrial construction leading group office is responsible for the interpretation of the city's leading group of the construction of 30 days from the date of publication shall come into force.