County People's governments, Quanzhou Development Zone, quanzhou taiwanese investment zone Administrative Committee, various departments and institutions directly under the Municipal People's government, major enterprises and universities:
In order to thoroughly implement the central and provincial decision-making arrangements on epidemic prevention and control and support enterprises to resume production, and promote the normal production and operation of enterprises in an orderly manner, with the consent of the municipal government, we hereby notify the financial support enterprises to resume production during the epidemic prevention and control period in our city as follows:
First, increase credit support for epidemic prevention and control and resumption of work.
All financial institutions should intensify the innovation of financial products, customize differentiated financial products for epidemic prevention and control and enterprises' resumption of work and production, and continuously improve the efficiency and time limit for examination and approval.
For enterprises that are honest and trustworthy, have a market and orders, but have difficulties in repayment due to the epidemic, banking institutions are encouraged to increase temporary transitional revolving credit and increase financial supply.
Promote the pledge financing of movable property such as bills, orders and accounts receivable relying on the supply chain. Based on the end of 20 19, the municipal finance will reward the participating teams with/kloc-0 100000000 yuan for the banking institutions that have newly added supply chain financial services with a total financing amount exceeding 10000000 yuan. For every increase of 100000000 yuan, reward 10000000 yuan.
For private enterprises and small and medium-sized enterprises to apply for secured financing of accounts receivable from state organs, institutions and large enterprises and government awards, all levels and departments should give support and confirm the relationship between creditor's rights and debts in time. City and county level policy financing guarantee companies should actively provide guarantees.
Encourage the development of equity pledge financing services. For the banking institutions within their jurisdiction that provide equity pledge financing services for unlisted enterprises, based on the balance of equity pledge loans at the end of 20 19, the beneficiary finance will reward them according to 1% of the new loans, and the maximum reward for a single banking institution will not exceed 300,000 yuan.
Responsible units: Municipal Financial Supervision Bureau, Finance Bureau, Quanzhou Central Sub-branch of China People's Bank, Quanzhou Banking Supervision Sub-bureau, Municipal SME Financing Guarantee Company, people's governments of counties and districts, Quanzhou Development Zone and quanzhou taiwanese investment zone Administrative Committee.
Second, reduce the financing cost of SMEs.
Based on the end of 20 19, if new working capital loans are provided to small and micro enterprises as legal persons, the beneficiary finance will give the enterprise a discount of 0.5% of the actual credit amount on the basis of provincial financial discount; For small and medium-sized enterprises that rely on accounts receivable financing products of banking institutions to obtain loans, the actual credit line is given a discount of 1%. The maximum discount for a single enterprise does not exceed 200,000 yuan.
Responsible units: Municipal Financial Supervision Bureau, Finance Bureau, Quanzhou Central Sub-branch of China People's Bank, Quanzhou Banking Supervision Branch, people's governments of counties and districts, Quanzhou Development Zone and quanzhou taiwanese investment zone Administrative Committee.
Three. Support local corporate banks to increase liquidity.
Support local corporate banks and other financial institutions to use the "green channel" between banks and exchange markets to issue special bonds and interbank deposit certificates for epidemic prevention and control. Among them, the funds raised by issuing special bonds for epidemic prevention and control are used to support the epidemic prevention and control of small and medium-sized enterprises in our city, and for every investment exceeding 654.38+billion yuan, the municipal finance will give banking institutions a reward of 654.38+million yuan; The funds raised by issuing interbank certificates of deposit are used to support the prevention and control of epidemic situation in our city and the resumption of production of small and medium-sized enterprises. For every investment of more than 200 million yuan, the municipal finance will give banking institutions a reward of 50,000 yuan. The maximum reward for a single banking institution shall not exceed 300,000 yuan.
Responsible units: Quanzhou Central Sub-branch of China People's Bank, Municipal Financial Supervision Bureau and Finance Bureau.
Fourth, give play to the role of policy guarantee institutions.
Encourage all banking institutions to increase temporary transitional revolving credit for small and medium-sized enterprises that are honest and trustworthy, have a market and have orders, but have difficulties in repayment due to the epidemic. Policy financing guarantee companies at the city and county levels can assume 40% of the guarantee responsibility for new credit, and are exempt from counter-guarantee. The guarantee period does not exceed 2 years, and the maximum single payment amount does not exceed 5 million yuan. The first-level emergency response to severe pneumonia in novel coronavirus was exempted from the policy financing guarantee fee before it was lifted, and it was 65438+ after it was lifted. Compensation and losses shall be exempted from due diligence.
Responsible units: Quanzhou Central Sub-branch of the People's Bank of China, Quanzhou Banking Supervision Branch, Municipal Financial Supervision Bureau, Finance Bureau, Municipal SME Financing Guarantee Company, county and district people's governments, Quanzhou Development Zone and quanzhou taiwanese investment zone Administrative Committee.
Fifth, improve the level of insurance protection.
Encourage insurance institutions to develop comprehensive insurance suitable for epidemic prevention and control for enterprises returning to work and production, focusing on ensuring product losses and employee wages caused by the closure or isolation of enterprises due to epidemic prevention and control requirements, providing risk protection for enterprises to resume production and relieving worries. Encourage county governments, Quanzhou Development Zone and quanzhou taiwanese investment zone Administrative Committee to subsidize enterprises to purchase comprehensive insurance for epidemic prevention and control for enterprises that have resumed production, and the municipal finance will give 20% subsidy support to counties.
Responsible units: Quanzhou Banking Supervision Branch, Municipal Financial Supervision Bureau, Finance Bureau, county people's governments, Quanzhou Development Zone and quanzhou taiwanese investment zone Administrative Committee.
Six, improve the enterprise financial advisory system.
Counties, Quanzhou Development Zone and quanzhou taiwanese investment zone should fully understand the financing needs and existing difficulties of "epidemic prevention and control, ensuring urban and rural operation and people's lives", implement list management for small and medium-sized enterprises that are honest and trustworthy, have markets and orders, but have difficulties in repayment due to the epidemic, set up financial advisory groups with major creditor banks one by one, and implement assistance measures such as incremental financial support, loan extension or renewal, lowering loan interest rate, adjusting repayment period and reducing service fees. All relevant departments at all levels should strengthen communication and coordination to ensure the implementation of various financial incentives, discount policies and assistance measures.
Responsible units: county people's governments, Quanzhou Development Zone, quanzhou taiwanese investment zone Administrative Committee, Quanzhou Central Branch of the People's Bank of China, Quanzhou Banking Supervision Branch, Municipal Financial Supervision Bureau and Finance Bureau.
Seven, build a bank-enterprise docking channel.
Establish a professional financial service system to support enterprises to cope with the epidemic and resume production, open up a dedicated service channel for financing platforms for small and medium-sized enterprises, integrate and summarize various financial support service policies for epidemic prevention and control and enterprise resumption production, tailor-made special financial products, and establish online feedback channels for financing needs and problems of enterprises to ensure that small and medium-sized enterprises can enjoy the support of various financial preferential policies quickly and conveniently. Comprehensively sort out the financing needs of key projects, adopt ledger management, and encourage banking institutions to actively connect services.
Responsible units: Municipal Financial Supervision Bureau, Development and Reform Commission, Bureau of Industry and Information Technology, Bureau of Commerce, Science and Technology Bureau, Quanzhou Central Sub-branch of People's Bank of China, Quanzhou Banking Supervision Branch, people's governments of counties and districts, Quanzhou Development Zone and quanzhou taiwanese investment zone Administrative Committee.
This policy and measures shall be implemented as of the date of issuance and shall be valid until June 30, 2020.
Quanzhou Municipal People's Government Office
February 26(th), 2020