Chapter I General Provisions

Article 1 In order to continue to support the sustained and healthy development of the real economy of the Ganzhou Economic and Technological Development Zone, to prevent and resolve the risk of capital chain breakage caused by the enterprises failing to return the expired liquidity loans, and to help the enterprises which have temporary difficulties in capital turnover to return the expired liquidity loans on time, these measures are hereby formulated. In order to continue to support the Ganzhou Economic and Technological Development Zone entity economic sustained healthy development, prevent and resolve the risk of capital chain breakage caused by the enterprise did not return the due working capital loans, to help the financial turnover of the temporary difficulties of the enterprise on time to return the due working capital loans, the development of this approach.

Article 2 The small and medium-sized enterprises referred to in these Measures refer to those enterprises that meet the requirements of the Ministry of Industry and Information Technology, the National Bureau of Statistics, the National Development and Reform Commission, and the Ministry of Finance "on the issuance of small and medium-sized enterprises classification standards notice" (Ministry of Industry and Information Technology, Joint Enterprises 〔2011〕 No. 300), and have a market, order, and the ability to develop their business in the scope of Ganzhou Economic and Technological Development Zone (GEDZ). The legal entity with good credit and tax source which has market, order and benefit established according to law.

Article 3 Ganzhou Economic and Technological Development Zone Small and Medium-sized Enterprises Loan Renewal Working Capital (hereinafter referred to as the "Loan Renewal Working Capital"), when the small and medium-sized enterprises of the district have liquidity loans from the bank that are about to expire, due to the temporary difficulties in raising funds for repayment of the loans and after a comprehensive assessment of the enterprises by the underwriting bank, the bank will provide the enterprises with a loan renewal working capital. After a comprehensive assessment of the enterprise by the bank, agreed to repay the enterprise in this credit business, renewed loan to the enterprise, in the enterprise "old borrow new" occasion, for the enterprise to provide a temporary turnover of transitional funds.

Article 4: Ganzhou Economic Development Zone Industrial Development Investment (Group) Co. (hereinafter referred to as "Asset Company"), a subsidiary of the Group, to implement the business of loan renewal working capital and be responsible for handling the daily affairs. The Asset Company is responsible for the operation and process management of the loan renewal working capital with due diligence and exemption, and the District UNIDO Group is responsible for supervising the compliance of the business process of the loan renewal working capital.

Article 5: The lending process of renewing working capital business takes the approval system. By the business staff to prepare the mortgagee bank to renew the loan supporting materials, risk measures and other relevant information to initiate the lending process, after the asset company review, submitted to the District UNIDO Group to form a conclusive review and lending opinion.

Article VI of the renewed loan working capital management to implement special account management, earmarked for special purposes, the implementation of unified management and paid use.

Article VII Based on the issuance of loan renewal working capital may appear irresistible risk factors, the renewal of the loan working capital overdue rate ceiling of 20%, more than the threshold should be immediately stopped. During the operation period of the renewed working capital, 2% of the total size of the renewed working capital shall be paid to the Asset Company as the management service fee and shall be paid before January 15 of the following year. If there is any overdue during the operation of the renewed working capital, and the single overdue day exceeds thirty working days and is still not recovered, the management service fee for the current year will be deducted.

Chapter II: Establishment and Use of Loan Renewal Working Capital

Article VIII: Loan Renewal Working Capital shall follow the principle of "total control, one-time authorization, timely disbursement and turnover. "The total size of the working capital for loan renewals is tentatively set at 50 million yuan.

Article IX Renewal of loan working capital charges. Referring to the document Gan Jin Zi [2017] No. 91 of the Financial Office of the People's Government of Jiangxi Province, the interest rate of the renewed loan working capital within the term of 1-15 days shall be implemented by 50% upward fluctuation in accordance with the LPR of the quoted interest rate of the market of the bank loans for the same period; and the interest rate of the interest rate for the period of more than 15 days shall be implemented by 4 times the LPR of the quoted interest rate of the market of the bank loans for the same period.

Article X: Requirements for the Use of Loan Renewal Working Capital

(1) Loan Renewal Working Capital can only be used for the enterprises to renew their loans and for working capital, and it cannot be used for investment in fixed assets or for other purposes;

(2) Loan Renewal Working Capital shall not be used for any other purposes. align: left;">(b) The maximum length of time for the use of the loan renewal working capital shall not exceed 15 days in principle;

(c) The amount of loan renewal working capital for a single application by an enterprise shall not, in principle, exceed 20% of the total size of the loan renewal working capital;

(d) The total size of the loan renewal working capital shall not exceed 20% of the total size of the loan renewal working capital. left;">(d) Other special circumstances will be studied and decided by the relevant meeting of the District UNIDO Group.

Article 11 Enterprises using the working capital for loan renewal must have the following conditions:

(1) Registered within the scope of Ganzhou Economic and Technological Development Zone, with independent legal person status, business license, tax registration certificate and other Complete formalities;

(2) have a sound financial and accounting system, equipped with professional financial personnel (to obtain the appropriate accounting qualifications), able to provide sound accounting statements, and normal production and operation for more than 2 years;

(3) ) in the bank has a working capital loan is about to expire, and pay interest on time, there is no interest arrears or late payment of interest and the bank agrees to renew the loan;

(d) the enterprise's production and operation is normal, there is no arrears of wages to the employees, there is no major economic disputes or major violations of the law and other related matters;

(e) The enterprise has no bad credit record and is not involved in illegal fund-raising.

Article 12 List of Materials to be Submitted by Enterprises Applying for Loan Renewal Working Capital

(1) Application for SMEs Borrowing Loan Renewal Working Capital in Ganzhou Economic and Technological Development Zone (Attachment 1);

(ii) the commitment letter of loan renewal issued by the bank (Annex 2) or the agreement on the use of loan renewal working capital (Annex 4) and the loan approval letter issued by the bank (copy to be stamped);

(iii) the Approval Form for SMEs Borrowing Renewal Loan Working Capital in Ganzhou Economic and Technological Development Zone (Annex 5);

(iv) the application form for SMEs Borrowing Renewal Loan Working Capital in Ganzhou Economic and Technological Development Zone (Annex 5); and

(d) Letter of Credit Guarantee for Joint and Several Guarantee Liability of Legal Representative, Shareholders and Spouses of Enterprises (Attachment 3);

(e) Copies of Business License of Enterprises, Identity Cards of Shareholders and Spouses of Natural Persons;

(f) Copy of Business License of Enterprises, Identification Card of Shareholders and Spouses of Natural Persons;

(6) A copy of the original loan contract of the enterprise (stamped with the official seal of the bank);

(7) Guarantee materials of the borrower for borrowing the loan, and proof of the latest status of the collateral at the time of submitting the application (e.g., mortgage, pledge procedures, etc.);

(viii) a copy of the enterprise account opening license information;

(ix) proof of tax payment by the tax department;

(x) a copy of the previous year's financial audit report and the last two quarterly financial statements;

(xi) the last annual financial audit report and the last

(xi) Credit certificate of the enterprise, credit certificate of the natural person shareholders and their spouses;

(xii) Other materials required by the asset company.

Article XIII Approval Procedures for Renewal of Loan Working Capital

(1) Application Procedures for Business

1. The borrowing enterprise shall optimize the loan renewal process with the underwriting bank. Borrowing process, before the loan expires in advance for renewal of the relevant procedures, to achieve seamless;

2. Borrowing enterprises to renew the loan application, must fill out the Ganzhou Economic and Technological Development Zone SMEs borrowing renewal of revolving capital application (Annex 1), to be signed by the mortgagee bank to determine the seal. Enterprises shall indicate in the application form that they agree to the bank transferring the loan renewal funds directly from the designated account for returning the borrowed loan renewal working capital;

3. Borrowing enterprises shall communicate with the obligated bank to determine whether the obligated bank will issue the "Letter of Commitment on Renewal of Loan Renewal for Small and Medium-sized Enterprises Borrowing Loan Renewal Working Capital in Ganzhou Economic and Technological Development Zone" (Attachment 2) with the confirmation of the obligated bank with the seal or Ganzhou Economic Development Zone Small and Medium-sized Enterprises Borrowing Renewal Loan Working Capital Utilization Agreement (Annex 4), in order to ensure the smooth lending of the renewal loan working capital and the safe return of funds.

(2) Business Acceptance and Approval Process

1. After obtaining the approval for loan renewal from the lending bank, the enterprise collects information and submits it to the Asset Company according to the list of information required for the renewal of working capital.

2. After receiving the materials from the enterprise, the asset company arranges for the personnel to dock with the lending bank to verify the renewal of the loan and conduct due diligence on the enterprise. The content of due diligence includes but is not limited to: the production and operation of the enterprise, assets and liabilities, creditworthiness, creditworthiness of natural shareholders and spouses and assets, litigation and other significant matters.

3. Asset companies to form due diligence opinions, the formation of project materials, according to the commitment of the lending bank signed into the lending process. The main criteria are: Bank of China, Agricultural Bank of China, China Construction Bank, Industrial and Commercial Bank of China and Bank of Communications and other state-owned banks should be renewed by the branch (branch business department) stamped with a letter of commitment; other lending banks should be stamped with the signing of the "Ganzhou Economic and Technological Development Zone, small and medium-sized enterprises borrowing renewed loan working capital use agreement".

Article XIV Loan Renewal Working Capital Disbursement, Return and Interest, Handling Fee Payment Methods

(1) Loan Renewal Working Capital Disbursement Process: The loanee bank (state-owned bank) shall sign the letter of commitment under the seal or the loanee bank (other bank) shall sign the letter of agreement. After signing the letter of agreement, the asset company to organize the relevant information and submit for signature "Ganzhou Economic Development Zone, small and medium-sized enterprises to borrow renewal of working capital lending approval form", after the approval of the release of funds.

(2) Renewal of loan working capital lending method: the borrower to the asset company to issue a receipt for the loan and provide the credit approval approval approval of the mortgagee bank, the asset company in accordance with the "Ganzhou Economic and Technological Development Zone SMEs borrowing renewal of the loan working capital lending approval form" the results of the approval of a one-time payment of the loan, deposited in the borrower to pay back the loan to the designated bank account, for the return of the loan. It is used to return the maturing loan. The asset company shall fully communicate with the original lending bank to connect the funds only for loan repayment and shall not be used for other purposes.

(3) Renewal of loan working capital return: the mortgagee bank in the agreed period of time to issue loans to the borrower's loan account, the asset company, the borrower and the mortgagee bank need to be articulated to the loan issued from the borrower's loan account immediately one-time return in full to the asset company to renew the loan working capital of the special account.

(4) interest, handling fee payment: the borrower in the renewal of working capital before the release of funds, the borrower will renew the loan working capital should be paid interest and related royalties payable to the assets of the company's designated bank account, the amount of money pre-calculated by fifteen days, the return of borrowed money according to the return of the working capital after the use of the time of the actual settlement, more than the refund is less than the compensation. The total number of days of borrowing is calculated on the basis of the number of days from the date of lending (including the date of lending) to the date of repayment (including the date of repayment).

Chapter III Management and Supervision of Loan Repayment Funds

Article XV The asset company before the release of funds, receivables in lieu of possession of the borrower's corporate seal, corporate seal, financial seal, bank U shield and various types of blank checks until the renewal of the loan working capital back to the special account. To the special account. After the release of funds, the organization should be dedicated to the business status, asset status and collateral status of real-time update supervision, every three days to form the supervision of the daily report to the general manager of the asset company, and synchronized with the District UNIDO Group Risk Control Department for the report; the emergence of risk, should be reported to the District UNIDO Group Risk Disposal Committee to organize an emergency meeting, as appropriate, to take decisive measures to the risk.

Article 16 The asset company shall consolidate the relevant information within 2 months after the renewal of the working capital back to the archives, file and manage according to the requirements, and register the fund account on time.

Article XVII If the enterprise returns the renewed loan working capital late, the asset company shall charge interest and liquidated damages on the delinquent funds in accordance with 4 times of the LPR of the quoted market interest rate of the bank loan in the same period, and take legal means such as lawsuits to settle the debt within 10 days after the due date.

Article 18 If the lending bank fails to fulfill the promise of loan renewal after issuing the loan renewal commitment letter or signing the agreement on the use of the loan, resulting in the renewal of the loan working capital cannot be recovered on time, the lending bank and the relevant personnel will be investigated for the relevant responsibilities according to the relevant agreements in the commitment letter and the agreement.

Article 19 If the relevant personnel of the asset company, cooperative bank and the borrowing enterprise make false statements, resulting in loss of funds, they will be dealt with according to the law, and if it constitutes a crime, they will be investigated for criminal responsibility.

Chapter IV Supplementary Provisions

Article 20 These Measures shall be interpreted and revised by the District Finance Bureau.

Article 21 These Measures shall come into force on the date of issuance of the original issuance of the "Ganzhou Economic and Technological Development Zone Small and Medium Enterprises Loan Renewal Working Capital Management Measures" (Gan Economic Start-up word [2022] No. 190) document is repealed and is no longer implemented.