Make up for the shortcomings, lower the threshold, and grasp the implementation-Fujian's precise measures ease the financing difficulties of private enterprises
Xinhua News Agency, Fuzhou, March 26 (Reporter Qin Hong) At present, alleviating the difficulty of financing for private enterprises is expensive and is related to the survival and development of enterprises. Under the influence of the epidemic, relevant departments and regions in Fujian Province strengthened credit support, encouraged and encouraged financial institutions to innovate, and promoted the implementation of policies through the system, which effectively protected the credit support of private enterprises.
Credit empowers shortcomings in financing private enterprises
"In early March, under the coordination of the Taxation Bureau of Fuzhou Economic and Technological Development Zone, Industrial Bank's 35 million yuan loan was in place soon." Said Huang Bifang, financial officer of Fuzhou Dachangsheng Feed Co., Ltd., and the taxation department proactively recommended to the bank Enterprises with good tax credits effectively solved the company's difficulties in resuming production.
The reporter learned that recently, government departments and policy guarantee agencies at all levels in Fujian Province have taken the initiative to increase credit for enterprises, reduce bank risks, and promote bank-enterprise docking. These measures have solved the problems of information asymmetry between banks and enterprises, lack of guarantees and mortgages, and effectively alleviated the difficulty of financing for private enterprises.
At present, the Fujian Provincial Department of Finance has established a risk-sharing funding pool to provide risk-sharing support to banks serving small and micro enterprises and technology-based and foreign trade-type enterprises. The Fujian government's government financing guarantee agency also took the initiative to cancel the counter-guarantee measures to provide guarantees for the trapped "agriculture, rural areas and farmers" subjects, small and medium-sized enterprises.
At the same time, the Fujian Financial Services Cloud Platform, led by the Fujian Local Financial Supervision Bureau and the Fujian Digital Office, built an enterprise credit system by integrating more than 4,000 enterprise big data indicators, and released information on financial products of cooperative banks, and opened a bank-enterprise line. The docking function makes banking and enterprise docking more efficient and convenient.
A person in charge of the Fujian Local Financial Supervision Bureau said that taking the financial services cloud platform as an example, the process of reviewing bank loan materials and the docking process between banks and enterprises has been greatly simplified. Recently, more than 13,000 registered companies have been added to the platform, and 1,741 financing requirements have been issued.
Promote innovation and lower the threshold for financing private enterprises
"In order to help enterprises resume work and resume production, we have launched a low interest rate 'reinstatement loan' with a single household credit amount of up to 10 million yuan. And applications are not limited to collateral, as long as normal taxpaying small and micro enterprises can apply." Fujian Strait Tang Mingheng, assistant to the president of the bank, said that the bank also newly launched a full-process online loan product based on small and micro enterprise tax credits and factoring and receivable factoring financing services. Through differentiated financing services and lowering thresholds, streamlining processes, increasing speed, reducing expenses, and creating products, enterprises can maximize their access to financing services.
Innovation is one of the expensive ways to effectively solve the difficult financing of private enterprises. Facing the impact of the epidemic, Fujian Province effectively reduced the loan thresholds and costs of small and micro enterprises, and provided strong support to the trapped enterprises.
Jinjiang City has comprehensively improved the level of cooperation and innovation supported by “bank finance” to support the development of enterprises by strengthening the effectiveness of policy-based financing guarantees to increase the utility of credit guarantees and the investment of risk compensation funds for small and medium-sized enterprises' financing guarantees. The local key protection supply chain supporting enterprises and upstream and downstream enterprises, business enterprises, and technology growth enterprises have innovated "commercial ticket pledge financing", "land margin guarantee financing", "collateral mortgage guarantee financing", and "leading enterprises (shareholders)" counter-guarantees. There are five “bank-enterprise” cooperation modes, including financing, and joint guarantee (re-guarantee).
Up to now, the cumulative guarantee amount of the two policy guarantee companies in Jinjiang has exceeded 200 million yuan, ranking first among the policy guarantee companies in counties and cities in the province.
Strengthening institutional supply to promote policy implementation
The general docking situation, the latest details of successful docking, and the development of policy guarantee business ... In the "Jiangjiang Financial Supervision Bureau" document "Daily and Small and Medium Enterprise Financing Docking One Day Report" document, the status of the implementation of various financing services for small and micro enterprises is clear at a glance.
"In special times, various financial policies to support private enterprises have been implemented, and the docking situation must be tracked every day." Lin Yifang said that Jinjiang City has established a financing service platform for small and medium-sized enterprises, with financial supervision, industrial credit, commerce and other departments and various financial institutions. Special class staff followed up and quickly organized bank-enterprise financing docking.
The reporter learned that according to the financial support for epidemic prevention and control and the "six stability" work and other related policies, various places in Fujian have formulated measures to implement financial support for the development of private enterprises and supervision mechanisms. At the same time, Fujian requires all banking institutions to take effective measures to establish a “category list of affected enterprises on the basis of outbreaks” on the basis of risk investigations, reasonably adopt extensions, extensions, renewal loans, negotiate payment, avoid penalty interest, and adjust repayment and repayment. Differentiated services such as planning support the development of private enterprises.
"The effectiveness of these measures will be included in the evaluation of banking institutions serving private enterprises." The relevant person in charge of the Fujian Local Financial Supervision Bureau said that last year Fujian issued the "Interim Measures for the Evaluation of the Development of Fujian Bank Institutions Serving Private Enterprises." Twelve indicators including new private enterprise loans, new private enterprise loan interest rates, target setting and completion, etc. were examined to examine the quality of banking institutions serving private enterprises.