Title: Yantai Municipal People's Government Office on giving full play to the role of government financing guarantee to support the development of small and micro-enterprises and the main body of the "three rural"
District and municipal people's governments (management committees), the relevant departments of the municipal government, the relevant units:
For the implementation of the "Shandong Provincial People's Government General Office On the issuance of government financing guarantee institutions to promote the implementation of opinions to support the development of small and micro-enterprises and "three rural" (Lu Zhengban Fa [2020] No. 15), to strengthen the city's financing guarantee system, give full play to the role of the government financing guarantee to guide the financial resources to support small and micro-enterprises and "three rural" development, agreed by the municipal government, the municipal people's government (management committee), the relevant departments of the municipal government. "Development, agreed by the municipal government, now puts forward the following implementation views.
A, strengthen the construction of governmental financing guarantee system
(a) bigger and stronger municipal governmental financing guarantee institutions. Enhance the capital strength of Yantai Financing Guarantee Group, financing guarantee capacity and business capacity, and accelerate the expansion of the market scale. Strive for the national financing guarantee fund to Yantai Financing Guarantee Group to increase capital and equity. According to the actual work, Yantai Financing Guarantee Group will gradually set up branches or offices in the districts (cities) to form a citywide system of governmental financing guarantee institutions with "city and county coordination, standardized operation, unified management, resource sharing and risk sharing", and to realize the "three unification" of the city and county business system, business model and business system. "Three Uniformity". (Responsible units: Municipal Finance Bureau, City Local Financial Supervision Bureau, People's Bank of China downtown sub-branch, the relevant district municipal government, management committee, Yantai Financing Guarantee Group)
(b) Integration and optimization of municipal and county governmental financing guarantee institutions. The Zhaoyuan City, Haiyang City, Laizhou City, Penglai District, Fushan District, Long Island Comprehensive Pilot Zone and other six districts and cities belonging to the governmental financial guarantee institutions integrated into the Yantai Financing Guarantee Group. Layshan District, Muping District, High-tech Zone, Longkou City, Laiyang City and Qixia City and other 6 districts and cities in accordance with the size of the contribution of not less than 50 million yuan, the Yantai Financing and Guarantee Group to increase the capital into shares. (Responsible units: Municipal Finance Bureau, City Local Financial Supervision Bureau, People's Bank of China downtown sub-branch, the relevant district municipal government, management committee, Yantai Financing Guarantee Group)
(C) focus on the main guarantee industry. Yantai Financing Guarantee Group should adhere to the quasi-public positioning of governmental financing guarantee institutions, focusing on the main business of supporting small agricultural financing guarantee, to serve small and micro-enterprises, individual entrepreneurs, small and micro-enterprise owners, farmers, new agricultural business entities, and other "three rural" main business objectives, with a focus on supporting a single guarantee amount of 10 million yuan and below. The main objective of the business is to support small and micro-enterprises and "three rural" subjects with a single guarantee amount of 10 million yuan or less, and to ensure that the proportion of the financing guarantee business in support of small farmers reaches more than 80%, with the proportion of single-family guarantees amounting to 5 million yuan or less accounting for no less than 50%. Focus on the main guarantee business, Yantai Financing Guarantee Group shall not deviate from the main business to blindly expand the scope of business, shall not provide guarantees for the issuance of government bonds, shall not provide credit enhancement for the financing of government financing platforms, shall not be non-financial guarantee institutions for equity investment. (Responsible units: Municipal Finance Bureau, Municipal Local Financial Supervision Bureau, People's Bank of China Downtown Branch, Yantai Financing Guarantee Group)
(4) adhere to the reduction of fees and benefits. 2022, Yantai Financing Guarantee Group of eligible small and micro-enterprises new governmental financing guarantee loans free of guarantee fees, the municipal finance of the part of the free guarantee fee to be subsidized. Since January 1, 2023, Yantai Financing Guarantee Group shall reduce the average guarantee fee rate to below 1%. Among them, the guarantee fee rate for micro and small enterprises and "three rural" subjects with single guarantee amount of 5 million yuan and below shall not exceed 1% in principle, and the guarantee fee rate for micro and small enterprises and "three rural" subjects with single guarantee amount of more than 5 million yuan shall not exceed 1.5% in principle. (Responsible unit: Municipal Finance Bureau, Municipal Government) (Responsible units: Municipal Finance Bureau, Municipal Local Financial Supervision Bureau, Yantai Financing Guarantee Group)
(E) Strengthen the integration with national and provincial guarantee institutions. Yantai Financing Guarantee Group to strengthen cooperation with the National Financing Guarantee Fund, the provincial investment and financing guarantee group, smooth the national, provincial, municipal and bank four-level sub-risk channel, significantly enhance the guarantee institutions for small and micro-enterprises and "three rural" main guarantee credit function. Actively support the Shandong Provincial Agricultural Development Credit Guarantee Company Yantai Management Center in the districts and cities to set up offices to carry out the work of agricultural credit guarantee, not set up offices in the districts and cities to ensure that the establishment of the end of 2022 to achieve the full coverage of the district and city offices. (Responsible units: Municipal Finance Bureau, Municipal Local Financial Supervision Bureau, Yantai Financing Guarantee Group)
(F) Deepen the new type of bank guarantee cooperation. Banking regulators should encourage and guide banking financial institutions to carry out "bank guarantee" cooperation, and strengthen policy inclination and business guidance. Yantai Financial Guarantee Group should closely follow the government's industrial policy, strengthen substantive cooperation with banking financial institutions in Yantai, research and design with banks and customer needs effectively convergence of bank guarantee cooperation products, through innovative products, simplify the business process, improve with the banking financial institutions in the wind control standards on the adaptability, and promote the banking financial institutions to expand the Yantai Financial Guarantee Group's credit scale and the scope of business cooperation. Establish a risk-sharing mechanism involving Yantai Financing Guarantee Group and banking financial institutions, with the proportion borne by banking financial institutions being no less than 20% in principle. (Responsible units: Municipal Finance Bureau, Municipal Local Financial Supervision Bureau, People's Bank of China Downtown Branch, Yantai Banking and Insurance Supervision Bureau, Yantai Financing and Guarantee Group)
Two, increase financial support
(VII) improve the dynamic replenishment mechanism of the capital fund. 2022 Municipal Finance will arrange for 100 million yuan to replenish Yantai Financing and Guarantee Group's capital, and the subsequent years will be combined with the construction needs of the governmental financing and guarantee system, support for agriculture and small businesses, and the development of the financial guarantee system. In the following years, in conjunction with the governmental financing guarantee system, the construction needs, support for agriculture and small business expansion, magnification, guarantee compensation and performance evaluation, etc., budgetary arrangements for special funds to increase the injection of capital to enhance its capital strength and business development capacity. The districts and cities can continue to increase the capital of Yantai Financial Guarantee Group according to the new business scale of local financial guarantee branches or offices. (Responsible units: Municipal Finance Bureau, City Local Financial Supervision Bureau, People's Bank of China downtown sub-branch, the relevant district municipal governments, management committees)
(H) Improve the guarantee risk compensation mechanism. The national financing guarantee fund to carry out the eligible silver guarantee "total to total" batch guarantee business, guarantee compensation rate ceiling of 3%, Yantai Financing Guarantee Group 30% of the amount of compensation; other guarantee business, the compensation rate of 3% (including), 3%-5% (including), 5%-8% (including) of the part of the Yantai Financing Guarantee Group 40% of the amount of compensation respectively. For other guarantee business, Yantai Financing Guarantee Group shall bear 40%, 60% and 70% of the compensation amount for the part of 3% (inclusive), 3%-5% (inclusive) and 5%-8% (inclusive) respectively. For the eligible guarantee business of Yantai Financial Guarantee Group, the municipal finance shall be divided into four grades, namely, less than 1% (inclusive), 1%-3% (inclusive), 3%-5% (inclusive) and 5%-8% (inclusive), and shall be compensated according to 100%, 80%, 60% and 50% of the amount of the compensation respectively, and no compensation shall be made for the portion of the compensation in excess of 8%. (Responsible units: Municipal Finance Bureau, People's Bank of China Downtown Branch, Yantai Financing Guarantee Group)
(ix) Improve the guarantee fee subsidy mechanism. By the end of 2022, the municipal finance will provide special subsidies for the guarantee fees exempted from the eligible guarantee business conducted by Yantai Financing Guarantee Group. Starting from January 1, 2023, the municipal finance will subsidize the guarantee fee at 0.8% of the loan amount if the annualized guarantee fee rate charged by Yantai Financing Guarantee Group to small and micro-enterprise subjects with single-family guarantee amount of 5 million yuan (inclusive) and below does not exceed 1%; the annualized guarantee fee rate charged to small and micro-enterprise subjects with single-family guarantee amount of 5 million yuan-10 million yuan (inclusive) will not exceed 1%. If the guarantee fee rate charged to a single micro-enterprise entity with a guarantee amount of 5 million yuan to 10 million yuan (inclusive) does not exceed 1%, the guarantee fee subsidy will be granted at 0.5% of the loan amount. Institutions that have already enjoyed other premium subsidies will not repeat the subsidy. (Responsible units: Municipal Finance Bureau, Municipal Bureau of Industry and Information Technology, People's Bank of China Downtown Sub-branch)
Municipal finance to Yantai Financing Guarantee Group's compensation funds and guarantee fee subsidy funds, in accordance with the principle of the business belongs to the local area, by the municipal finance and the relevant districts and municipalities in the ratio of 5:5 share of the municipal finance to the municipal finance unified disbursement, the districts and municipalities part of the share of the uploading through the financial system.
Three, strengthen the safeguard measures
(10) sound assessment and incentive mechanism. The banking financial institutions and Yantai Financing Guarantee Group to carry out 2:8 insurance business, batch guarantee business into the scope of the banking industry assessment, the new government financing guarantee business scale, the new scale of agricultural credit guarantee and other indicators into the business environment assessment of the districts and cities. The Yantai Banking and Insurance Supervision Bureau will include the cooperation between banks and financial guarantee institutions in the regulatory evaluation system of small and micro-enterprise financial services of commercial banks. The banking financial institutions should optimize the internal support small support agriculture assessment incentive mechanism, appropriately increase the weight of small and micro and agriculture-related loan assessment, the implementation of internal fund transfer preferential pricing. (Responsible units: City Local Financial Supervision Bureau, Municipal Finance Bureau, People's Bank of China Downtown Branch, Yantai Banking and Insurance Supervision Branch)
(xi) Strengthen performance evaluation. The establishment of a sound performance evaluation system, highlighting the Yantai Financial Guarantee Group focus on supporting small farmers, capital preservation and micro-benefit operations, play the role of credit enhancement and other policy guidance, focusing on the evaluation of the financing guarantee balance, magnification multiples, the number of small and micro-enterprises to support the reduction of guarantee rates, risk control and other indicators, the evaluation results and the Yantai Financial Guarantee Group to obtain policy support, capital injections, the person in charge of the payroll, etc. Linked. (Responsible unit: Municipal Finance Bureau)
(xii) Enhance the level of professional operation and management. On the basis of adhering to the positioning of Yantai Financing Guarantee Group as a quasi-public service organization, and in accordance with the requirements of the government and enterprises to maintain the status of an independent market entity. Support Yantai Financing Guarantee Group to set up a professional management team, the implementation of market-oriented pay incentives. Yantai Financing Guarantee Group shall establish and improve corresponding management systems for business management, due diligence investigation, risk classification, compensation recovery, etc., enhance business management and risk identification capabilities, and improve operational quality and efficiency. Support the introduction of due diligence exemption methods, and exempt the staff who perform their duties in compliance with the law. (Responsible units: Municipal Finance Bureau, Municipal Local Finance Supervision Bureau, People's Bank of China Downtown Branch, Yantai Financing Guarantee Group)
(xiii) Build a digital service platform for government financing guarantee. Yantai Financing Guarantee Group should adhere to the big data thinking, promote digital transformation, make full use of and rely on the city's comprehensive financial services platform, focus on building a set of financing guarantee business management, policy information transfer, credit information application, risk prevention and control of supervision and other services in one of the government's financing guarantee digital service platform, enhance the level of digital application. (Responsible units: Municipal Finance Bureau, City Local Financial Supervision Bureau, People's Bank of China Downtown Branch, Yantai Financing Guarantee Group)
(xiv) Establishment of synergistic mechanisms. All relevant departments at all levels to strengthen the responsibility to bear, in accordance with the division of responsibilities, improve the supporting measures, and to organize and implement. Municipal finance in conjunction with all relevant departments to implement the views of the implementation of guidance and tracking analysis. The municipal level to establish a statistical notification system, quarterly notification of new and stock business scale in each district and city. Municipal local financial regulators to strengthen the supervision of the government financing guarantee industry, improve the risk early warning and emergency response mechanism, strengthen regional risk prevention and control. The People's Bank of China downtown sub-branch, Yantai Banking and Insurance Supervision Bureau to guide the banking financial institutions to increase the supply of credit, strengthen the cooperation between banks and guarantors, the implementation of due diligence provisions. (Responsible units: all relevant departments at all levels according to their responsibilities)
(xv) Create a favorable development environment. The construction of the social credit system is being actively promoted, accelerating the integration of Yantai Financial Guarantee Group into the provincial public credit information system and the People's Bank of China's credit system. Promote the establishment of a comprehensive financial services platform to realize the interconnection of information from human resources and social security, market supervision, taxation, justice and other departments. (Responsible units: relevant departments at all levels according to their division of responsibilities)
Office of the Yantai Municipal People's Government
May 27, 2022
