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針對符(fu)合國家產業(ye)(ye)政(zheng)策的(de)小(xiao)(xiao)微企業(ye)(ye)自(zi)身抵(di)押(ya)和擔(dan)保(bao)(bao)(bao)(bao)(bao)條件不足的(de)問題(ti)，廣(guang)(guang)西(xi)再(zai)擔(dan)保(bao)(bao)(bao)(bao)(bao)公(gong)司成(cheng)功建立(li)“國家融(rong)(rong)(rong)資(zi)(zi)擔(dan)保(bao)(bao)(bao)(bao)(bao)基金(jin)—省級(ji)再(zai)擔(dan)保(bao)(bao)(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)—基層融(rong)(rong)(rong)資(zi)(zi)擔(dan)保(bao)(bao)(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)”三層融(rong)(rong)(rong)資(zi)(zi)擔(dan)保(bao)(bao)(bao)(bao)(bao)體系，在廣(guang)(guang)西(xi)創新推出(chu)“4222”業(ye)(ye)務(wu)(wu)，并有效(xiao)推動“4321”政(zheng)銀(yin)擔(dan)風險分(fen)擔(dan)業(ye)(ye)務(wu)(wu)向(xiang)“4222”業(ye)(ye)務(wu)(wu)轉移（即由政(zheng)府性融(rong)(rong)(rong)資(zi)(zi)擔(dan)保(bao)(bao)(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)、廣(guang)(guang)西(xi)再(zai)擔(dan)保(bao)(bao)(bao)(bao)(bao)公(gong)司、銀(yin)行(xing)業(ye)(ye)金(jin)融(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)、融(rong)(rong)(rong)資(zi)(zi)擔(dan)保(bao)(bao)(bao)(bao)(bao)業(ye)(ye)務(wu)(wu)發(fa)生地設(she)區(qu)市或縣級(ji)財政(zheng)按照(zhao)(zhao)4∶3∶2∶1的(de)比(bi)例分(fen)擔(dan)代償(chang)責任的(de)“4321”項目轉變為(wei)(wei)由政(zheng)府性融(rong)(rong)(rong)資(zi)(zi)擔(dan)保(bao)(bao)(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)、廣(guang)(guang)西(xi)再(zai)擔(dan)保(bao)(bao)(bao)(bao)(bao)公(gong)司、銀(yin)行(xing)業(ye)(ye)金(jin)融(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)、國家融(rong)(rong)(rong)資(zi)(zi)擔(dan)保(bao)(bao)(bao)(bao)(bao)基金(jin)按照(zhao)(zhao)4∶2∶2∶2比(bi)例承擔(dan)風險的(de)“4222”項目），多(duo)方合力共同為(wei)(wei)小(xiao)(xiao)微企業(ye)(ye)提供融(rong)(rong)(rong)資(zi)(zi)擔(dan)保(bao)(bao)(bao)(bao)(bao)服務(wu)(wu)，切實(shi)解決小(xiao)(xiao)微企業(ye)(ye)融(rong)(rong)(rong)資(zi)(zi)難、融(rong)(rong)(rong)資(zi)(zi)貴問題(ti)。據統計(ji)，廣(guang)(guang)西(xi)再(zai)擔(dan)保(bao)(bao)(bao)(bao)(bao)公(gong)司已累計(ji)為(wei)(wei)4262戶次小(xiao)(xiao)微企業(ye)(ye)降低(di)企業(ye)(ye)融(rong)(rong)(rong)資(zi)(zi)成(cheng)本(ben)4.36億元；平均(jun)單(dan)戶企業(ye)(ye)單(dan)次融(rong)(rong)(rong)資(zi)(zi)節省成(cheng)本(ben)10.23萬(wan)元，成(cheng)本(ben)降幅達30%以上(shang)。

除國家限制行(xing)業(ye)(ye)(ye)(ye)外(wai)，各行(xing)業(ye)(ye)(ye)(ye)小(xiao)微(wei)企(qi)(qi)業(ye)(ye)(ye)(ye)均可向(xiang)簽訂了合作協議的政府(fu)性融資擔(dan)(dan)保(bao)(bao)(bao)機構或銀(yin)行(xing)直接提出總額不(bu)超過2000萬元的擔(dan)(dan)保(bao)(bao)(bao)貸(dai)(dai)款(kuan)申請，經(jing)審核后(hou)，符合“老板信用好、產品有市場、經(jing)融資支(zhi)(zhi)持(chi)后(hou)現金流正常”條件的企(qi)(qi)業(ye)(ye)(ye)(ye)大多能夠得(de)到(dao)銀(yin)行(xing)的擔(dan)(dan)保(bao)(bao)(bao)貸(dai)(dai)款(kuan)支(zhi)(zhi)持(chi)，享受優惠(hui)的擔(dan)(dan)保(bao)(bao)(bao)費(fei)率(lv)(lv)(lv)(lv)。對單戶1000萬元及以下(xia)的小(xiao)微(wei)企(qi)(qi)業(ye)(ye)(ye)(ye)、“三農”和創業(ye)(ye)(ye)(ye)創新主(zhu)(zhu)體收(shou)取(qu)(qu)的擔(dan)(dan)保(bao)(bao)(bao)費(fei)率(lv)(lv)(lv)(lv)原則上(shang)不(bu)超過1%，較平均年(nian)化商業(ye)(ye)(ye)(ye)擔(dan)(dan)保(bao)(bao)(bao)費(fei)率(lv)(lv)(lv)(lv)標準優惠(hui)67%；對于擔(dan)(dan)保(bao)(bao)(bao)項目融資金額在 1000 萬元以上(shang) 2000 萬元及以下(xia)的小(xiao)微(wei)企(qi)(qi)業(ye)(ye)(ye)(ye)、“三農”和創業(ye)(ye)(ye)(ye)創新主(zhu)(zhu)體，收(shou)取(qu)(qu)年(nian)化擔(dan)(dan)保(bao)(bao)(bao)費(fei)率(lv)(lv)(lv)(lv)原則上(shang)不(bu)超過 1.5%。同時引導(dao)銀(yin)行(xing)業(ye)(ye)(ye)(ye)金融機構實行(xing)優惠(hui)貸(dai)(dai)款(kuan)利率(lv)(lv)(lv)(lv)，上(shang)浮幅度不(bu)超過30%。按照(zhao)現行(xing)費(fei)率(lv)(lv)(lv)(lv)，企(qi)(qi)業(ye)(ye)(ye)(ye)年(nian)化融資成(cheng)本由10%左右(you)（商業(ye)(ye)(ye)(ye)擔(dan)(dan)保(bao)(bao)(bao)融資模式）降(jiang)低至6.65%左右(you)，降(jiang)低約3.35%。

【責任編輯：語謙】