The loan methods mainly include unified loans from platform companies and guarantees from guarantee companies; Direct loans from enterprises and guarantees from guarantee companies; There are three ways: platform company borrowing and borrowing enterprise joint guarantee. The basic model is that the platform company lends money and the guarantee company guarantees it.
At present, the loan interest rate of Development Bank rises by 10% on the benchmark interest rate, and the guarantee fee of the guarantee company is charged at 1.5% of the annual guarantee amount. District and county platform companies-
The total handling fee of the entrusting bank is 0.4%- 1%.
2. Developing the operating mechanism of cooperative SME loan business.
There are three main operating mechanisms for SME loans in Development Bank, namely, democratic appraisal mechanism, risk sharing mechanism and risk control mechanism.
Democratic appraisal mechanism: All districts and counties set up democratic appraisal groups for loan enterprises, and select democratic appraisers familiar with enterprises or industries to appraise the enterprises recommended by districts and counties, so as to improve the fairness and efficiency of examination and decision-making. Enterprises that pass democratic appraisal will be recommended to guarantee companies and development banks.
Risk sharing mechanism: if the loan platform is tied to the loan project, the SME guarantee company will bear 70% of the loan loss, the development bank will bear 18% of the loss, and the county platform company will bear 12% of the loss. The Development Bank requires platform companies in all districts and counties to deposit the risk deposit of bundled loans 10%- 12% in the Development Bank. For projects that are directly loaned by enterprises or guaranteed by guarantee companies, the Development Bank will not share risks for the time being.
Risk control mechanism: build a risk control mechanism involving development banks, guarantee companies, local governments and platform companies, entrusted loan banks and SME credit promotion associations. Risk management is not only controlled by a certain enterprise or a certain link, but is implemented through the linkage of all parties, organizational advantages and system construction. For example, the development bank does not investigate specific enterprises, but mainly takes the conclusion of democratic appraisal, the insurance investigation of guarantee companies and the financial audit results of enterprises as the evaluation basis.
Third, the main practices
1, strengthen service awareness and risk prevention awareness, and innovate working methods and measures.
* * SME guarantee companies strengthen their service awareness and risk prevention awareness in promoting CDB cooperation in SME financing guarantee, and actively explore and innovate new methods and measures for guarantee work in combination with the characteristics of CDB SME financing work. According to the basic situation of small and medium-sized enterprises in all districts and counties and the characteristics of unified loan business, the company has specially formulated the evaluation standards and methods for financing enterprises, designed fast and efficient operation procedures, controlled risks as much as possible, innovated some risk control measures and means, and given preferential treatment to the guarantee fees of loan enterprises. For example, in the stage of democratic appraisal of enterprises in districts and counties, we conducted a qualitative preliminary investigation in the early stage, which improved the pass rate and efficiency of recommended projects in districts and counties; In the evaluation of software enterprises, high-tech start-ups and agricultural industrialization enterprises, according to the characteristics of their respective industries, appropriate adjustments should be made in the aspects of investigation focus, evaluation methods and evaluation indicators. By exploring credit line control, setting technology access conditions, network publicity and other ways, the company's guarantee support methods for high-tech enterprises are gradually improving; In view of the fact that many small and medium-sized enterprises have no counter-guarantee measures, we use the linkage mechanism of risk control to cooperate with local governments to supervise their assets such as land, projects under construction and enterprise inventory that have not yet obtained land certificates, and innovate counter-guarantee measures. The company mainly adopts the mode of unified loan by platform companies to increase the overall coverage of financing services for SMEs. At the same time, we will strive for direct loans for individual outstanding projects with key industry demonstration and leading role, and support enterprises in various ways.
2, combined with the characteristics of the district, city and county regional economy and industrial clusters, optimize the allocation of guarantee resources.
While promoting the financing guarantee for small and medium-sized enterprises in development finance, we have closely cooperated with CDB, combined with the characteristics of local county economy and advantageous industries, vigorously supported key industries and characteristic industries, and strived to maximize the benefits of supporting small and medium-sized enterprises with development financial resources and realize the optimal allocation of credit resources. In High-tech Zone and Qingyang District, we mainly support electronic information and software enterprises, precision mould manufacturing enterprises and biomedical enterprises. Pixian and Dujiangyan, we supported the douban production enterprises respectively. This article is from the secretary 1 14, please keep this mark when reprinting. Industrial and farmhouse projects. In Pujiang and Jintang, we will focus on the leading enterprise projects of agricultural industrialization. In Wuhou and Chongzhou, enterprises are supported by leather shoes, leather and furniture industry clusters in this area. In addition, we also give support to Taiwan-funded enterprises, entrepreneurial enterprises returning from studying abroad, small and micro enterprises, etc. according to the priorities of the district and county governments and CDB at all stages. With the agglomeration of industries in the park, industrial parks around the country are booming, and more advantageous industries and high-quality customers are gathered in the park. We adjusted our working ideas in time, broadened our vision of finding high-quality customers, and extended the financing guarantee service system of development finance SMEs to industrial parks. Since April 2006, CDB and the guarantee company have successively signed cooperation agreements with Jiaolong Industrial Port, Tianfu Software Industrial Park and Qingyang Industrial Development Zone. At present, many projects recommended by the park have been supported by CDB loans.
3. Establish the concept of "big guarantee", give play to the leading role of municipal platform companies, and actively promote the construction of credit guarantee system.
In the process of vigorously promoting CDB cooperation in SME financing guarantee, * * SME guarantee companies always set up the concept of "big guarantee", give full play to the leading role of the company as a municipal platform company, and actively promote the construction of financing guarantee system for developmental financial SMEs. On the one hand, using the idea of "big guarantee" to solve specific problems in project development, risk control and foreign cooperation, and grasping risks and promoting work through the advantages of system, system and linkage mechanism; On the other hand, the sustained and healthy development of the guarantee industry also depends on the improvement of the credit guarantee system and the establishment of a long-term mechanism. Promoting the construction of financing guarantee system for small and medium-sized development financial enterprises with the concept of "big guarantee"
We work closely with the municipal, district and county financing leading groups, strengthen communication with enterprises, governments and entrusted loan banks through credit promotion meetings, democratic appraisal meetings, various seminars and training meetings, publicize the awareness of honesty to enterprises, introduce our ideas, standards and processes to all parties involved in SME loan work, and improve linkage efficiency. In order to improve efficiency and prevent risks, the company has also established a regular working exchange and communication mechanism with Sichuan Branch of Development Bank. In order to better connect the company's work with all districts and counties, since 2006, the company has divided the responsibilities of business departments according to districts and counties, and determined the corresponding liaison personnel in all districts and counties. Through business training, we will strengthen exchanges with platform companies in all districts and counties, and often inspect projects with the staff of platform companies in all districts and counties to exchange and discuss work suggestions. Through training, communication and practice, the overall work quality and efficiency of many district and county platform companies have been greatly improved. It has promoted the overall work of financing guarantee for SMEs. At present, with the close cooperation and joint efforts of all parties, a "four-way linkage" financing guarantee system for small and medium-sized enterprises in development finance has been initially formed, which has effectively alleviated the financing difficulties of small and medium-sized enterprises in our city and promoted the development of small and medium-sized enterprises and local economy.
Four. Existing problems and suggestions
Summarizing and reviewing the practice of supporting the financing guarantee of small and medium-sized enterprises in cooperation with the development bank in the past two years, there are still some obvious problems, mainly reflected in:
1. Some districts and counties are not enthusiastic enough, the quality of recommended projects needs to be improved, and post-loan management is still weak.
2. Due to lean personnel, few personnel and heavy tasks, it takes a long time for CDB unified loan project to be submitted for approval, and the overall efficiency needs to be improved.
3. Due to various financing guarantees, the financing cost of SMEs is still high.
4. The loan term and variety of development bank are single, which can not meet the diversified financing needs of small and medium-sized enterprises.
It is suggested that development banks can introduce more kinds of loans in the future, give full play to the capital cost advantage of development finance to support small and medium-sized enterprises, and give them more favorable interest rate support.
Solving the financing problem of small and medium-sized enterprises has a long way to go. * * SME guarantee companies will, as always, keep in mind the purpose of serving SMEs, give full play to the leading role of municipal government platform companies, and work closely with Sichuan Branch of Development Bank and SME management departments and platform companies of district and county governments to create a new situation in which development finance supports SME financing guarantee.