Chongqing solves financing difficulties for SMEs
Economic Daily News from Chongqing (Reporters Ran Ruicheng and Wu Lumu) In order to alleviate the difficulties of small and medium-sized enterprises in obtaining loans due to light assets and insufficient mortgages, Chongqing took the lead in launching the pilot reform of commercial value credit loans for small and medium-sized enterprises in the country. Credit, to realize a pure credit loan that does not require collateral or guarantee.
Qiang Huasong, Deputy Director of the Financing Service Division of the Chongqing Economic and Information Commission, introduced that Chongqing has established a "model + data" approach, through consultations with banking institutions, including corporate innovation capabilities, healthy operation capabilities, brand influence, and corporate social responsibility. It includes 4 first-level indicators, 19 second-level indicators such as the proportion of R&D investment in operating income, and a "4+19+1" evaluation system with a negative list.
With the evaluation system as the core, more than 180 production and operation and element operation data including enterprise industry and commerce, intellectual property rights, etc., are authorized to collect from 13 departments and units such as market supervision and taxation, to provide an accurate picture of the enterprise.
Chongqing has also innovated and established a rapid payment risk compensation mechanism, and formulated bank performance evaluation methods to stimulate banks' willingness to lend, willing to lend, and able to lend.
It is understood that Chongqing has established a risk compensation fund index pool based on a 2% limit of the actual amount of a single loan issued by a cooperative bank.
The bank's unused risk compensation index can be carried forward for use, but the maximum compensation index does not exceed 4% of the loan balance.
At present, the pilot reform of commercial value credit loans for small and medium-sized enterprises in Chongqing has achieved full coverage in all districts and counties, and has helped more than 6,500 small and medium-sized enterprises to obtain credits of nearly 7.8 billion yuan.