Establishment of loan risk compensation mechanism for small and micro enterprises in Ji'nan
Shun Net - Ji'nan daily
today (26) morning, Ji'nan city small and micro enterprise loan risk compensation signing ceremony in Ji'nan City The public service center of small and medium-sized enterprises is held, which marks the formal start of the loan risk compensation work of small and micro enterprises in our city. This is an innovative measure to support small and medium enterprises in our city. It will play an important role in guiding and supporting the development of small and medium enterprises in our city.
Ji'nan small and micro enterprises loan risk compensation fund support object is our city administrative region registered and engaged in real economic operation, in line with the Ministry of industry and information, the National Bureau of statistics, the national development and Reform Commission, the Ministry of finance "on the printing and issuing of small and medium-sized enterprise type standard regulations" (2011) 300 Small and micro enterprises. The loan amount of a single household enterprise is less than 3 million yuan (inclusive), and the loan interest rate will not exceed the benchmark interest rate by 25% if the term does not exceed 1 years. The establishment of credit risk compensation mechanism for small and micro enterprises is aimed at encouraging financial institutions to increase credit support for small and micro enterprises and improve the financing environment of small and micro enterprises.
it is reported that the risk compensation fund of Ji'nan city is managed and operated by the central and small enterprise public service center of Ji'nan in the cooperative bank, and the cooperative bank has opened up a green channel for the loan compensation work of small and medium enterprises in our city. The service center conveys the credit policy, key points and basic requirements of the bank to the small and micro enterprises in a variety of forms. At the same time, it is actively cooperating with the bank to carry out the investigation of small and micro enterprises, and recommends the good enterprises in accordance with the industrial policy to the cooperative banks. Eligible small and micro enterprises can conduct consultation and handling of risk compensation fund business through the service center window.
in addition, the public service center of small and medium-sized enterprises in Ji'nan has established five special financing service platforms, such as inclusive finance, bill financing, assets (debt) reorganization, supply chain finance, transfer loan bridge financing and so on. It provides various financial advisory services for the enterprises for a long time, and continues to help the small and micro enterprises to develop healthily.