Government procurement loan is difficult.

The difficulties of government procurement loans are the winning bid in government procurement, the shortage of funds for suppliers, the difficulty in financing and the high cost of financing. This year, the Finance Bureau of Jinghe New Town gave full play to the function of government procurement policy, established the working mechanism of credit financing, vigorously promoted the business of "political mining and lending" and actively supported the financing of small and medium-sized enterprises and private economy. Up to now, many financial institutions, including China Construction Bank, Postal Savings Bank and Bank of Beijing, have been recruited to participate in the "government loan" business and provide financing services.

1. What is a government procurement loan?

The so-called government procurement loan (hereinafter referred to as government procurement loan) is a popular term for government procurement contract financing. It is a new financing method that banks directly issue loans to small and medium-sized enterprises applying for loans at a better interest rate than ordinary small and medium-sized enterprises with the help of government procurement contracts obtained and provided by small and medium-sized enterprises on the basis of government procurement integrity evaluation and credit review. Characteristics of government procurement loans: government procurement loans are based on the government procurement credit of small and medium-sized enterprises and government procurement contracts with centralized treasury payment as performance guarantee, and provide opportunities for bank-enterprise docking and related service support with the help of the integrity guarantee of government procurement. Since the pilot of government loan, it has not only promoted the innovation of products and services of financial institutions, but also improved the management level of suppliers and eased the financing dilemma of enterprises.

Two, "how to deal with the political mining loan?

The processing flow of government procurement loans is as follows: the bank initially approved the credit line with reference to the winning bid of government procurement last year; The enterprise provides the required information, and the bank completes the credit approval; The enterprise provides the bank with the bid-winning notice and the signed government procurement contract loan; The bank issues loans and carries out entrusted payment according to the purchase contract.

As the key content of financial reform, government procurement is called "transaction under the sun". Through the design of the system and the improvement of the law, the government procurement will be open, transparent and standardized, so as to achieve the purpose of fairness and justice. However, due to the excessive concentration of power, government procurement is prone to problems such as unclear powers and responsibilities, abuse of power and corruption. Therefore, it is particularly important to build a perfect internal control system.