Ji'nan small and micro enterprises to implement loan risk compensation mechanism to put more quickly
February 26th, the signing ceremony of the loan risk compensation for small and micro enterprises in Ji'nan was held in the public service center of the small and medium enterprises in Ji'nan. The loan risk compensation mechanism of small and micro enterprises will help to enhance the confidence of the financial institutions and reduce the worries of the financial institutions, and the financial institutions will also improve the efficiency of the loan.
in accordance with the Interim Measures for the management of loan risk compensation for small and micro enterprises in Ji'nan, the loan risk compensation funds for small and micro enterprises in Ji'nan are managed and operated by the public service center of small and medium enterprises in Ji'nan. The special purpose is to compensate the risk of supporting small and micro enterprise loans by the cooperative banks.
the mechanism supported by the mechanism is registered and engaged in real economic operation in the administrative region of Ji'nan, which is in line with the small and micro enterprises stipulated by the Ministry of industry and information, the National Bureau of statistics, the national development and Reform Commission and the Ministry of Finance on the printing and issuing of small and medium-sized enterprises (2011) 300). Industry. The loan amount of a single household enterprise is less than 3 million yuan (inclusive), and the term is not more than 1 years. The rate of loan interest rate shall not exceed 25% of the benchmark interest rate in principle. A single household loan exceeding 3 million yuan is required to be reported to the management department for approval.
when the agreement guarantee measures of the cooperative bank and the loan enterprise are insufficient to repay the principal and interest of the overdue loan, the cooperative bank puts forward the application for the risk compensation to the competent department, and the service center will allocate the cooperative bank according to the approved amount. The compensation amount of the municipal level of risk compensation funds shall not exceed 40% of the remaining sum, and shall be limited to the balance of the municipal risk compensation fund of the cooperative bank. (Zhang Di)