China News Service, June 1, according to the Ministry of Finance website, recently, the Ministry of Finance issued the "Guidelines for Performance Evaluation of Government Financing Guarantee and Reguarantee Institutions" (hereinafter referred to as "Guidelines"). Relevant persons in charge of the Ministry of Finance answered questions from reporters on the "Guidelines". It is mentioned that the "Guide" focuses on guiding government financing guarantee institutions to return to the main guarantee business, focusing on supporting small farmers, reducing guarantee fees, and expanding business scale, which will help promote the healthy and sustainable development of the government financing guarantee industry.
The person in charge of the Ministry of Finance pointed out that the introduction of the Guidelines has three positive meanings:
First, it is an important measure to strengthen financial support to stabilize enterprises. The "Government Work Report" clearly states that "strengthening financial support for stable enterprises" and "substantially expanding government financing guarantee coverage and significantly reducing fee rates". The promulgation of the "Guidelines" is an important measure to implement the series of decision-making and deployment of the Party Central Committee and the State Council. It will encourage and guide government financing guarantees to play a counter-cyclical adjustment role, and form a joint force with the policies that have been issued to effectively ease the financing difficulties of small and micro enterprises. Expensive, help do a good job of "six stability", and keep the "six guarantees" bottom line.
The second is the key to improve the government financing guarantee system. In recent years, the state has continuously improved the “four beams and eight pillars” of government financing guarantees, successively issued the “Regulations on the Supervision and Management of Financing Guarantee Companies” and supporting systems, and issued the “Opinions of the State Council on Accelerating the Development of the Financing Guarantee Industry” and “Guiding Opinions” Other programmatic documents. The "Guiding Opinions" clarify the quasi-public positioning of government financing guarantee institutions, and describe the development blueprint of the government financing guarantee industry. The Guidelines and the Guiding Opinions are in the same line, changing the status quo of simply applying the performance evaluation indicators of state-owned enterprises and financial institutions, and restructuring the government financing guarantee performance evaluation system, which will help to strengthen the unified guidance and evaluation of government financing guarantee performance evaluation. specification.
The third is the booster for the healthy development of the government financing guarantee industry. For a period of time, under the guidance of the performance evaluation of "heavy profit assessment", government financing guarantee institutions have shown two development trends: "big players, earning fast money, high fees" and "holding back", and the role of policy functions has not been fully exerted. The implementation effect of "Guiding Opinions" needs to be improved. The "Guideline" highlights policy guidance, adheres to responsibility positioning, weakens profit assessment, strengthens positive incentives, and focuses on guiding government financing guarantee institutions to return to the main guarantee business, focusing on supporting small farmers, reducing guarantee rates, and expanding business scale, which helps Promote the healthy and sustainable development of the government financing guarantee industry.
The person in charge of the Ministry of Finance also pointed out that the "Guidelines" build a government financing guarantee and re-guarantee institution performance evaluation system from the four dimensions of policy effectiveness, operating capacity, risk control, and system construction.
One is to highlight policy guidance. Improve the score of the policy benefit indicator (only 40 points in the percentage system), focusing on the assessment of the scale and proportion of the guarantee business of newly-supported small and small farmers, the scale and proportion of the guarantee business of 10 million yuan or less, and the guarantee fee rate, etc. Guiding government financing guarantee and re-guarantee institutions to focus on supporting small farmers and reducing fee rates.
The second is to encourage business development. In terms of operating capacity, we will focus on evaluating new guarantee business scale, magnification and other indicators, and encourage government financing guarantee and re-guarantee institutions to take the initiative to expand their business scale.
The third is to weaken the profit assessment. Adhere to the principle of capital preservation and meager profit, do not seek to maximize the increase in the rate of preservation and appreciation of state-owned capital, and at the same time clarify that during the economic downturn, under the premise of good risk prevention and control, the score of this indicator can be appropriately reduced or the indicator can be temporarily not evaluated. The counter-cyclical regulatory role of government financing guarantees.
The fourth is to strengthen positive incentives. Use the performance evaluation results as an important basis for guarantee institutions to obtain financial support such as capital supplement, risk compensation, subsidies, and incentives, cooperate with the national financing guarantee fund first, and determine the remuneration and total salary of the person in charge, so as to enhance the endogenous motivation of the institution.
In order to clearly define the scope of government financing guarantee and re-guarantee institutions, the Guidelines make two provisions:
The first is to clarify the definition of government financing guarantee and re-guarantee institutions, that is, “financial guarantees established according to law, funded by the government and its authorized institutions, and state-owned enterprises and actually held shares, and serving small and micro enterprises and“ three rural ”entities as the main business objectives. , Re-guarantee institutions ".
The second is the implementation of a list system. The provincial financial department, together with the relevant departments, determines the list of government financing guarantee and re-guarantee institutions in the region. In principle, state-owned holding institutions not included in the list shall not be included in the government financing guarantee system, shall not enjoy financial policies and financial support at all levels, and shall not carry out business cooperation with the state financing guarantee fund.
In addition, agricultural credit guarantee institutions should be integrated into the management of government financing guarantee and re-guarantee institutions. However, considering the special features of agricultural credit guarantee business, smaller single scale, and relatively greater risks, the Ministry of Finance and the relevant departments refer to The "Guide" sets up a separate performance evaluation index system for agricultural credit guarantee institutions.
Considering the similarities and differences in the business model and institutional positioning of the guarantee institution and the re-guarantee institution, the "Guide" takes into account the principle and flexibility in the setting of the performance indicator system:
The first is to “integrate two into one” in the setting of indicators, select the appraisal indicators common to guarantee and re-guarantee institutions such as the proportion of small and support agriculture, guarantee fee rate, magnification, compensation rate, etc., and build a unified indicator system.
The second is to "divide into two" in the setting of scores, separately compile performance evaluation score tables for guarantee institutions and re-guarantee institutions, and appropriately reduce the characteristics of re-guarantee institutions not conducting direct insurance business and playing a leading role in the system. The scores of its operating capability indexes and the improvement of the system construction index scores reflect their respective emphasis.
The third is to “integrate and divide” in specific operations. It not only gives the scores and scoring standards of various indicators for reference, but also allows localities to combine local actual and institutional characteristics. Adjust indicators and scores to effectively enhance operability.
Relevant person in charge of the Ministry of Finance stated that in terms of performance evaluation, in the work philosophy, it adheres to "goal management and result-oriented", that is, first set reasonable business goals for the year, and then according to the actual completion of each goal, the guarantee and reguarantee institutions Conduct a comprehensive evaluation.
In terms of work procedures, the financial department at this level is responsible for determining the target value at the beginning of the year based on the organization ’s current year ’s business plan and the achievement of the previous year ’s performance target. Third party participation. The results of performance evaluation shall be promptly fed back to government financing guarantee and reguarantee institutions and their shareholder units, and copied to relevant departments.