On February 4th, the promotion meeting and signing ceremony of strategic cooperation on financial services for small and micro enterprises in Chongqing was held in Wudu Hotel. At the meeting, Chongqing Re-guarantee Co., Ltd. (hereinafter referred to as the Municipal Re-guarantee Company) signed cooperation agreements with eight local financing guarantee companies, such as Chongqing Branch of China Construction Bank and Traffic Guarantee, stipulating that * * * will share the loan risks of Xiaowei and "agriculture, countryside and farmers". This move aims to effectively alleviate the "difficult and expensive financing" problem of small, micro and "agriculture, countryside and farmers" enterprises, and marks the formal establishment of a new type of bank-to-bear cooperation model of re-guarantee companies, guarantee companies and banks in our city, which has taken a landmark step in building a re-guarantee system with Chongqing characteristics.
Re-guarantee companies, guarantee companies and banks bear loan risks
According to relevant agreements, all guarantee institutions that join the re-guarantee system can conduct business cooperation with Chongqing Branch of CCB. For eligible loan projects, the bank will bear 21% of the loan risk. The remaining 81% of the loan risk shall be shared by the municipal re-guarantee company and the relevant guarantee institutions.
Chen Lihong, general manager of the municipal re-guarantee company, introduced that there are two main ways for the municipal re-guarantee company and the guarantee institution to take risks: first, within the grace period after the loan expires, if the loan enterprise and the guarantee company cannot repay it, the municipal re-guarantee company will repay it on their behalf; Second, the city re-guarantee company cooperates with the guarantee institution, and the city re-guarantee company shares no more than 51% of the risks.
At present, the municipal re-guarantee company is guided by its own capital investment, and introduces the re-guarantee fees paid by government investment and industry members, thus forming a re-guarantee compensation fund pool, which is specially used to compensate the risks of the members of the re-guarantee system, and initially set up a re-guarantee system covering urban and county levels, with the participation of state-owned and private guarantee companies.
The maximum single loan amount for small and micro enterprises is 21 million yuan
Under the new cooperation mode of bank and bear, the municipal re-guarantee company, the guarantee company and the bank will mainly provide financing services for small and micro enterprises and "three rural" enterprises in our city. The maximum amount of a single loan for an enterprise can reach 21 million yuan.
Chen Lihong revealed that this maximum loan amount is the result of negotiation by all parties in combination with the internal credit policy of Chongqing Branch of CCB and the actual needs of enterprises. Take small and micro enterprise loans as an example. At present, the CBRC focuses on supporting small and micro enterprise loans with a single-family loan amount of less than 5 million yuan, while the financing needs of small and micro enterprises with growth are mostly concentrated between 3 million yuan and 21 million yuan. The cooperative loan quota determined this time can better meet the financing needs of small and micro enterprises.