Chapter I. General Provisions

Background and Basis of Formulation


  Article 2 Scale of risk capital pool
  Risk capital pool by the management committee funded the establishment of the first phase of the scale of RMB 30 million yuan, by the Finance Bureau from the annual industrial development funds in the budget to arrange for capital investment, risk capital pool funds generated by the interest income rolled over for the risk capital pool.　
  In the following years, according to the operation of the risk capital pool and the actual financing needs of enterprises, after the consent of the Management Committee, the size of the risk capital pool can be expanded at an appropriate time to supplement the risk capital pool funds.　


  The Bureau of Finance and Economics shall formulate the rules for the selection of cooperative banks, and Chengdu Tiantou Financial Guarantee Company Limited (hereinafter referred to as "Tiantou Guarantee Company") shall select the cooperative banks in accordance with the rules.　　
  Sub-risk capital pool adopts the allocation of funds after the first period, the first period is not allocated, the second year onwards, after each year according to the business development of the cooperative banks in accordance with the scale of lending 1/10 proportion of regular deposit of funds, in principle, the cooperative banks sub-risk capital pool for the first period of deposit of not more than 5 million yuan, and then depending on the size of the bank's lending additional, the maximum of not more than 10 million yuan.　　
  The sub-risk fund pool is only used for risk loss compensation. In the event of loan losses, the sub-risk capital pool and the cooperating financial institutions will share the loan losses according to the agreed ratio.
  Article 4: Scope of Risk Funding Pool
  The support of risk capital pool is limited to micro, small and medium-sized enterprises (MSMEs), individual industrial and commercial enterprises, agricultural cooperative organizations, and farmers whose domicile is located in Chengdu, Sichuan Tianfu New Area, and whose industrial and commercial registrations and tax settlements are located in Chengdu, Sichuan Tianfu New Area.
  Article V. Role of Risk Capital Pool
  (A) Solve the problem of financing difficulties of micro, small and medium-sized enterprises and individual businessmen.　　   Through the establishment of debt financing risk fund compensation mechanism, guide and encourage banks and other financial institutions to increase the micro, small and medium-sized enterprises and individual businessmen to increase the loan tilt, and effectively alleviate the micro, small and medium-sized enterprises and individual businessmen's "difficult to finance" problem.　　
　
  Incentives for banks and other financial institutions to develop customized financial products for micro, small and medium-sized enterprises, effectively reducing the cost of financing, and effectively alleviating the problem of "expensive financing" for micro, small and medium-sized enterprises and individual entrepreneurs.

Chapter II Management and Responsibilities

Article 6 Management and Operation Subjects
  The Financial and Monetary Bureau is the competent authority of the risk capital pool, and TIC Guarantee Corporation is the specific operating organization of the risk capital pool.
  Article 7 Management and Operation
  The Finance and Economics Bureau is responsible for the implementation of the risk pool fund budget, allocation of risk pool funds, review of loan loss compensation applications and applications for loan interest subsidies and guarantee fee subsidies, and the development of scoring standards for the selection of cooperative banks.　
  Tiantou Guarantee Company is entrusted by the Financial Services Bureau to be responsible for the specific operation and management of the risk pool; according to the scoring standards for the selection of cooperative banks, the selection of cooperative banks and signing of cooperation agreements; the establishment of a special account for the risk pool, the implementation of the special account management, special funds for special purposes; the transfer of funds to the cooperative banks to set up a sub-risk pool of funds, the emergence of risks on behalf of the payoff, the sub-risk pool from the risk pool of funds to the cooperative banks to allocate funds to carry out The funds will be transferred from the sub-risk fund pool to the cooperative banks for compensation in the event of risk compensation.　
  Cooperative banks are responsible for drawing up the sub-risk capital pool program and filing it with the Finance and Monetary Bureau; under the guaranteed loan mode, cooperative banks choose on their own the financial guarantee companies that meet the standards of the annual supervision and inspection of local financial organizations to carry out cooperation; provide regular feedback on the work of the sub-risk capital pool and the data and information; do a good job of publicity and promotion of the policy of the risk capital pool; and assist the main body of the loan to complete the declaration of the subsidy for the interest on the loan; Assist guarantee institutions in completing the declaration of guarantee fee subsidy.　　
  Finance and Finance Bureau is responsible for creating financing needs online docking service platform "Tianfu e financing code", the departments, streets are responsible for risk capital pool policy and "Tianfu e financing code" publicity and promotion work, guiding the financing needs of enterprises to scan the code to fill out the report. The company's financial services bureau pushes the information to the cooperative banks according to the demand.

Chapter III Risk Sharing Ratio and Subsidy Standard

Article 8 Risk Sharing Ratio
  Depending on the type of loan, the final loss of overdue loans for risk pool business shall be shared in the following proportion. For loans guaranteed by financial guarantee companies, in principle, the sub-risk pool, cooperative banks and financial guarantee companies share the risk in the ratio of 3:3:4 (hereinafter referred to as the 334 model).　
  For other guaranteed loans such as credit loans, in principle, sub-risk pools, cooperative banks share the risk in accordance with the ratio of 5:5 (hereinafter referred to as the 55 model).　
  Article 9 Guarantee fee subsidy standard
  334 mode, the financial guarantee company to apply for risk capital pool loan products of the main body of the loan guarantee fee reduction support, the reduction ratio of 50% of the receivable guarantee fee, a single guarantee fee subsidy up to 50,000 yuan, the reduction part of the process by the Finance and Banking Bureau subsidies to the financial guarantee company.
  Article 10 Subsidized Loan Interest Standard
  The main body of the loan in the loan settlement, you can apply for loan interest subsidy with the loan related information, the subsidized interest rate for the People's Bank of China announced the loan market quotation rate (LPR) of 30%, a single loan subsidy of up to 100,000 yuan, the subsidy part of the process by the Bureau of Finance and subsidies to the main body of the loan.

Chapter IV Workflow

Article 11 Disbursement of Sub-Risk Pool
 Before the end of June every year, according to the business development of the cooperative banks in the previous year, the TIC Guarantee Company will deposit 1/10 of the lending scale into the sub-risk fund pool, with the first deposit not exceeding 5 million yuan, and the subsequent maximum not exceeding 10 million yuan. If the balance of the sub-risk fund pool is larger than 1/10 of the lending scale in the previous year, the excess part of the funds will be transferred to the parent risk fund pool.　
  Article 12 Audit and Lending
  Subjects applying for bank loan support from sub-risk capital pools shall submit financing applications to the cooperative financial institutions, which will decide on the loan amount and disburse the loans after review and approval by the cooperative financial institutions. The cumulative balance of loans under each sub-risk capital pool for the same subject shall not exceed 20 million yuan, and the term of a single loan shall not exceed one year in principle.　
  The implementation of the annual loan review system, to meet the review conditions of the main body of the loan can be taken to borrow new to repay the old way to renew the loan.
  Article 13 Loan Interest Rate, Guarantee Fee Rate
  The cooperative bank's loan interest rate for the main body of the loan will not be increased by more than 30% of the loan market quotation rate (LPR) announced by the People's Bank of China, and, in principle, the financial guarantee company will charge a guarantee fee of no more than 50% of the loan market quotation rate (LPR) announced by the People's Bank of China.　
  Article 14 Loan Subsidy Disbursement
  Before the end of June every year, the cooperative banks will collect, summarize and review the materials of loan interest and guarantee fee subsidy, and hand them over to the Finance and Monetary Bureau, which will allocate the interest subsidy to the main body of the loan according to the process, and allocate the guarantee fee subsidy to the guarantee institution.　
  Article 15 Repayment of Overdue Loan
  334 mode, the main body of the loan principal and interest can not be fully repaid in a timely manner, the guarantee institution shall be in accordance with 70% of the proportion of compensation, and then in accordance with the loan and the guarantee agreement in accordance with the law on the main body of the loan and jointly and severally liable persons to recover.　　
  The amount of compensation shared by the sub-risk pool is limited to the balance of the pool deposited with the cooperative bank. If the balance of the sub-risk pool is insufficient, after the sub-risk pool shares the loss amount in accordance with the agreed ratio, the remaining loss of the claim will be shared by the cooperative financial institution.　
  Article 16 Compensation of Loan Losses
  Under the 334 mode, the guarantee institution shall submit an application for loan loss compensation to the Finance and Monetary Bureau, and under the 55 mode, the cooperative bank shall submit an application for loan loss compensation to the Finance and Monetary Bureau, and shall submit the materials for the determination of substitution and confirmation of the final loss, and the Finance and Monetary Bureau may hire a tripartite organization to review the materials of confirmation of the loan loss, and after the review and approval, the Tianjiu Guarantee Company shall allocate the loan loss compensation from the sub-risk fund pool to the guarantee institution or cooperative bank. The guarantee company will disburse the funds to the guarantee institution or cooperative bank.
  Article 17 Loss Scope

  Article 18 Disposal of Recovered Funds
  The funds recovered by the cooperative banks or the funds recovered by the enterprises for resumption of repayment shall be returned to the accounts of the parties according to the ratio agreed in the cooperation agreement after deducting the corresponding recovery costs.
  Article 19 Call-off Mechanism
  After the risk compensation rate of a single cooperative bank reaches 1%, risk sharing under this management scheme will be suspended. The risk sharing mechanism will be resumed after the risk compensation rate falls below 1%.　　
  Risk compensation rate of a single cooperative bank = (amount of compensation in the last 12 months - amount of return in the last 12 months) / amount of cumulative loan filed in the last 12 months. (Less than one year according to the actual filing of the month)
  Article 20 Termination of Agreement
  If the compensation amount reaches the amount of the sub-risk fund pool or fails to reach 5 times the lending scale of the sub-risk fund pool for 2 consecutive years, TIC Guarantee Company and the cooperative bank will sign the "Notice of Termination of the Agreement" by consensus, and the cooperative bank will stop handling the credit business corresponding to the sub-risk fund pool, and it can retain the part of the principal amount of the guaranteed loans of corresponding secured products in the sub-risk fund pool, and transfer the other funds out of the sub-risk fund pool. The retained funds will be transferred out of the sub-funding pool after the products have been returned. The transferred funds are transferred to the parent pool. The agreement will be terminated after all the funds in the sub-fund pool have been transferred. Loss sharing and recovery are in accordance with the provisions of the cooperation agreement.

Chapter V Supervision of Funds

Article 21 Transfer of Funds
  During the period of existence of the sub-risk fund pool, except for compensating the loan losses, the participating parties shall not withdraw or transfer the funds for any reason.　
  Article 22 Responsibilities of Loan Enterprises   If any loan subject supported by loans from the cooperative banks of the Sub-Risk Capital Pool violates financial discipline, falsifies or fails to provide financial statements, company operation reports and other materials according to the management requirements in the daily management, the cooperative banks have the right to suspend and recover the loans of the loan subject in advance, and reserve the right to pursue their legal responsibilities.　
  Occurred on behalf of the main body of the loan in principle within three years can not declare the MC financial support funds. If the loan is overdue, the subject will be disqualified from applying for the government support funds and will be included in the blacklist of honesty, and if it constitutes a crime, it will be held criminally liable according to the law.
  Article 23 Financial performance evaluation
  The Financial and Monetary Bureau, as the supervisory body of the risk capital pool, may entrust a tripartite organization to conduct special audits and performance evaluations on the use and management of the funds of the sub-risk capital pool, and the evaluation results shall be used as an important reference basis for continued cooperation with the cooperative banks. TIC Guarantee Corporation will report the operation of the parent risk capital pool to the Bureau of Finance and Economy every year.
  Article 24 Other Supervisions
  For units and individuals involved in the management and operation of risk capital pool funds, violation of the provisions of these Measures, laws, regulations and rules have been dealt with punishment provisions, from its provisions. If you are suspected of committing a crime, you will be sent to the judicial authorities for processing.　

Chapter VI Supplementary Provisions

Article 25 Others
  The terms "not more than", "not more than", "not less than" and "more than" in this method are all inclusive. are included in this number.

Article 26 - Right of Interpretation   These measures shall be interpreted by the Finance and Economy Bureau.　　
; Article 27   Article 27 Effective Date
  These measures shall be valid for 3 years and shall come into force 30 days after the date of issuance. The Notice on the Issuance of Management Measures for the Debt Financing Risk Compensation Fund Pool in Chengdu Directly Administered Area of Sichuan Tianfu New Area (Tiancheng Management Office Letter [2020] No. 20) shall expire after the implementation of these Measures.
  Article 28 Risk Compensation Funds for Rural Property Rights Collateralized Financing
  The risk compensation funds for rural property rights mortgage financing are included in the category of risk fund pool and are implemented in accordance with these Measures.