文章來源:廣西金融投資集團 發布時(shi)間:2020-12-27
針(zhen)對符合國(guo)(guo)家(jia)產業(ye)(ye)(ye)(ye)政(zheng)(zheng)策(ce)的小微企(qi)(qi)業(ye)(ye)(ye)(ye)自(zi)身抵(di)押(ya)和擔(dan)(dan)(dan)(dan)保(bao)(bao)條件不足的問題,廣(guang)西(xi)再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)公(gong)司(si)成(cheng)功建(jian)立“國(guo)(guo)家(jia)融(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)基(ji)(ji)金(jin)(jin)—省級(ji)再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)機(ji)構—基(ji)(ji)層融(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)機(ji)構”三層融(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)體(ti)系(xi),在(zai)廣(guang)西(xi)創新推出“4222”業(ye)(ye)(ye)(ye)務(wu),并有效推動(dong)“4321”政(zheng)(zheng)銀擔(dan)(dan)(dan)(dan)風險(xian)分(fen)擔(dan)(dan)(dan)(dan)業(ye)(ye)(ye)(ye)務(wu)向“4222”業(ye)(ye)(ye)(ye)務(wu)轉(zhuan)移(即由(you)政(zheng)(zheng)府(fu)性(xing)融(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)機(ji)構、廣(guang)西(xi)再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)公(gong)司(si)、銀行業(ye)(ye)(ye)(ye)金(jin)(jin)融(rong)機(ji)構、融(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)業(ye)(ye)(ye)(ye)務(wu)發生地設區市或縣級(ji)財政(zheng)(zheng)按照4∶3∶2∶1的比例分(fen)擔(dan)(dan)(dan)(dan)代(dai)償責(ze)任的“4321”項(xiang)目(mu)轉(zhuan)變(bian)為由(you)政(zheng)(zheng)府(fu)性(xing)融(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)機(ji)構、廣(guang)西(xi)再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)公(gong)司(si)、銀行業(ye)(ye)(ye)(ye)金(jin)(jin)融(rong)機(ji)構、國(guo)(guo)家(jia)融(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)基(ji)(ji)金(jin)(jin)按照4∶2∶2∶2比例承擔(dan)(dan)(dan)(dan)風險(xian)的“4222”項(xiang)目(mu)),多方合力(li)共同為小微企(qi)(qi)業(ye)(ye)(ye)(ye)提供融(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)服務(wu),切實解決(jue)小微企(qi)(qi)業(ye)(ye)(ye)(ye)融(rong)資(zi)(zi)(zi)難、融(rong)資(zi)(zi)(zi)貴(gui)問題。據(ju)統計(ji)(ji),廣(guang)西(xi)再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)公(gong)司(si)已(yi)累計(ji)(ji)為4262戶(hu)(hu)次(ci)小微企(qi)(qi)業(ye)(ye)(ye)(ye)降低企(qi)(qi)業(ye)(ye)(ye)(ye)融(rong)資(zi)(zi)(zi)成(cheng)本4.36億元;平均單(dan)(dan)戶(hu)(hu)企(qi)(qi)業(ye)(ye)(ye)(ye)單(dan)(dan)次(ci)融(rong)資(zi)(zi)(zi)節省成(cheng)本10.23萬元,成(cheng)本降幅達(da)30%以上。
除國家限(xian)制行(xing)(xing)業(ye)(ye)(ye)(ye)(ye)外,各行(xing)(xing)業(ye)(ye)(ye)(ye)(ye)小微企業(ye)(ye)(ye)(ye)(ye)均(jun)可(ke)向簽(qian)訂了合(he)作協議的(de)(de)政府性融(rong)資(zi)擔(dan)(dan)保(bao)(bao)機構或銀(yin)行(xing)(xing)直接提出總(zong)額(e)不(bu)超(chao)(chao)過(guo)(guo)2000萬元(yuan)的(de)(de)擔(dan)(dan)保(bao)(bao)貸(dai)款申(shen)請,經審核后,符合(he)“老板(ban)信用好、產品(pin)有(you)市(shi)場(chang)、經融(rong)資(zi)支(zhi)持后現金(jin)流正常”條(tiao)件(jian)的(de)(de)企業(ye)(ye)(ye)(ye)(ye)大多能夠得到(dao)銀(yin)行(xing)(xing)的(de)(de)擔(dan)(dan)保(bao)(bao)貸(dai)款支(zhi)持,享受(shou)優惠(hui)的(de)(de)擔(dan)(dan)保(bao)(bao)費(fei)(fei)率(lv)。對(dui)單(dan)戶1000萬元(yuan)及(ji)以(yi)下(xia)的(de)(de)小微企業(ye)(ye)(ye)(ye)(ye)、“三農”和創業(ye)(ye)(ye)(ye)(ye)創新主體收取(qu)的(de)(de)擔(dan)(dan)保(bao)(bao)費(fei)(fei)率(lv)原(yuan)則上(shang)不(bu)超(chao)(chao)過(guo)(guo)1%,較平均(jun)年化商(shang)業(ye)(ye)(ye)(ye)(ye)擔(dan)(dan)保(bao)(bao)費(fei)(fei)率(lv)標準優惠(hui)67%;對(dui)于擔(dan)(dan)保(bao)(bao)項目融(rong)資(zi)金(jin)額(e)在(zai) 1000 萬元(yuan)以(yi)上(shang) 2000 萬元(yuan)及(ji)以(yi)下(xia)的(de)(de)小微企業(ye)(ye)(ye)(ye)(ye)、“三農”和創業(ye)(ye)(ye)(ye)(ye)創新主體,收取(qu)年化擔(dan)(dan)保(bao)(bao)費(fei)(fei)率(lv)原(yuan)則上(shang)不(bu)超(chao)(chao)過(guo)(guo) 1.5%。同(tong)時(shi)引導銀(yin)行(xing)(xing)業(ye)(ye)(ye)(ye)(ye)金(jin)融(rong)機構實行(xing)(xing)優惠(hui)貸(dai)款利率(lv),上(shang)浮幅度(du)不(bu)超(chao)(chao)過(guo)(guo)30%。按照現行(xing)(xing)費(fei)(fei)率(lv),企業(ye)(ye)(ye)(ye)(ye)年化融(rong)資(zi)成本由10%左(zuo)右(you)(商(shang)業(ye)(ye)(ye)(ye)(ye)擔(dan)(dan)保(bao)(bao)融(rong)資(zi)模(mo)式(shi))降低至6.65%左(zuo)右(you),降低約3.35%。
【責任編輯:語謙】