The predicament of "small and micro" helps the "agriculture and rural" to develo

In order to better help small and micro enterprises, "agriculture, farmers" and other fields such as market players relieve difficulties and effectively exert the functions and functions of the financing guarantee system, the Jiangsu Provincial Government has recently issued the "Give full play to the role of the financing guarantee system to give up the role The notice of small and micro enterprises and the development of "agriculture and rural areas" (hereinafter referred to as the "Notice"), enhance the ability and level of financing guarantee institutions to serve the real economy.

Increase financial support

The "Notice" pointed out that policies such as optimizing financing guarantees and fees and supplements should be encouraged to give financing guarantee institutions prioritize small and micro enterprises and "market, project prospects, and competitive technology" "The main financing of agriculture and rural areas provides guarantee for guarantee. Provincial financial guarantee agencies with a single household guarantee of financing guarantee institutions are less than 10 million yuan (inclusive), and the guarantee rate of small and micro enterprises with a guarantee rate of not more than 1.5%will give a maximum of 1%of the guarantee of 1%annualized guarantee according to the guarantee liability ratio they bear. Subsidies. Among them, if the guarantee target is the stable production of food and oil pigs and "vegetable baskets", which are stable in agricultural products for agricultural enterprises and high -tech enterprises, the guarantee fee subsidy standard can float up to 50%.

For policy agricultural financing guarantee agencies, carry out policy agricultural credit guarantee business that meets the "dual control" standard, and provincial finances will give no more than 1.5%of guarantee premium subsidies and no more than 1%guarantee business awards to ensure moderate agricultural scale operations. The guarantee rate of the actual burden of the subject does not exceed 0.8%. For financing guarantee agencies mainly services for small and micro enterprises and "agriculture, rural areas, and rural areas", the provincial finance will give a reward of 2%of the new registered capital, guide and support financing guarantee agencies to supplement capital, and further improve the service capacity of supporting small agricultural agriculture.

Increasing financial support, it is also necessary to give play to the role of provincial financing guarantee compensation capital pools, improve the national financing guarantee funds, provincial re -guarantee institutions, financing guarantee institutions, banks and other risks. For financing guarantee institutions with strong demonstration effects, supporting small and micro enterprises, "agriculture, rural areas", and scientific and technological innovation, the amount of single households is 10 million yuan (excluding) or above, and the guarantee business of the guarantee business of below 30 million yuan (inclusive) is below 30 million yuan (inclusive). The provincial fiscal pilot is compensated by 30%of the actual liability of the guarantee agency.

Highlight positive guidance incentives

In order to relieve difficulties in time, we need to make good use of the provincial inclusive financial development risk compensation fund policy, optimize the compensation mechanism of loan risk sharing, and promote new types of government and banks such as "small and micro -loan" and "Soviet Agricultural Loan". Drive the scale of preferential loans exceeding 100 billion yuan, focusing on the development of credit loans and first loans. Support financing guarantee agencies to provide guarantees for small and micro enterprises, "agriculture, farmers" the main emergency loan funds of the "agriculture, farmers", and reducing the pressure of market entity turnover funds. Encourage financing guarantee institutions to cooperate with financial institutions such as banks, insurance, and innovate products and services in accordance with small and micro enterprises, "agriculture, rural" subjects and financing characteristics, highlighting customization and differentiation, promoting online handling models, and striving to meet diversity Financial demand.

Guide banking financial institutions to appropriately increase loan risks to tolerance, encourage financing guarantee institutions with strong strength, large guarantee scale, and risk -controlled control institutions to relax cooperation conditions and reduce the threshold for cooperation. The margin is less or exempted by the annual regulatory rating of categories B and below.

With the help of information technology such as the Internet and big data, give full play to the role of provincial and district and municipalities, and the role of comprehensive financial service platforms and corporate credit reporting service agencies, explore the construction of the province's re -guarantee business information system, and promote the information system of the banking financial institution and the People's Bank of China. The credit system and the national data of the National Financing Guarantee Fund are connected directly to achieve accurate financing supply and demand. Strengthen the data mining of the financing guarantee industry, explore the establishment of the risk prevention and control model of financing guarantee agencies, and enhance the overall risk control capacity of the industry.

Strong government financing guarantee system

In order to better strengthen the positioning of small branch agriculture, the "Notice" urges government financing guarantee agencies to adhere to the public positioning, strictly take the small branch farmers as the main business, in principle The proportion of business is not less than 80%, of which 5 million yuan and below of a single household account for not less than 50%. Encourage priority to provide guarantees for the first loan loan and support the financing of food companies. Persist in the capital to protect the micro -profit, and effectively reduce the cost and make the profit. Except for the guarantee fee, it shall not charge unreasonable fees in the name of security deposits.

To accelerate the construction of the re -guarantee system, it is necessary to give full play to the role and demonstration effect of provincial reinsurance agencies, drive more financing guarantee agencies into the scope of re -guarantee cooperation, realize that government financing guarantee agencies should be accepted to form a "State Financing Guarantee Fund - The provincial reinsurance agency — city and county financing guarantee institutions "three -level financing guarantee system, focusing on building a re -guarantee system covering the provincial government financing guarantee institution, social capital actively participating, and supporting small agricultural business.

To ensure the implementation of policies, strict supervision and management is needed. The "Notice" requires the formulation of management measures for government financing guarantee institutions, and standardized key matters such as establishing, access, exit, and management of institutions. Strengthen the management of the list of government financing guarantee institutions, adhere to the ability of the small agricultural main business of the branch, and the insufficient performance of the guarantee of the small branch of the branch, and the guarantee capabilities are not active and insufficient, and adopt an interview to urge the rectification until the list is removed. At the same time, optimize the supervision and rating indicators of government financing guarantee agencies, organize rating each year, strengthen the use of results, and implement classification supervision.

(Reporter Yin Dandan)

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