Lanzhou News (Haiqin Yang, reporter of Gansu Economic Daily, New Gansu) On February 9th, the Lanzhou Central Sub-branch of the People's Bank of China, together with the Provincial Department of Finance, the Provincial Department of Industry and Information Technology and the Provincial Financial Supervision Bureau, formulated and issued the Special Loan Support Scheme for Key Enterprises of Epidemic Prevention and Control in Gansu Province (hereinafter referred to as the Scheme), requiring financial institutions in the province to provide special loans to fully meet the capital needs of key enterprises of epidemic prevention and control in the province.
The "Program" clearly establishes a list of key enterprises for epidemic prevention and control in Gansu Province. At present, the list of the first batch of 13 key enterprises has been made clear, mainly including Gansu Yao Lan Pharmaceutical Co., Ltd., Landaforci Pharmaceutical Co., Ltd. and other production and operation enterprises closely related to COVID-19 epidemic prevention and control, such as health and epidemic prevention, drug production, medical equipment, medical infrastructure, important living materials and so on.
In accordance with the principle of "accurate support, earmarking, closed operation, preferential interest rate, financial discount, and risk-bearing", we will organize financial institutions to actively cooperate with listed enterprises and strive to achieve full coverage of financial support for listed enterprises. All financial institutions are required to designate special business teams and account managers to be responsible for docking according to the characteristics of capital requirements for epidemic prevention production and operation of key enterprises, formulate a "one enterprise, one policy" financial support plan, and comprehensively provide comprehensive financial services such as credit, settlement and consultation to achieve accurate support.
The special loan will be designated and closed. Special loans are targeted for key enterprises to engage in production and business activities related to epidemic prevention and control, and are not used for general capital needs. Banks should give reasonable credit to key enterprises, and the credit line shall not exceed the scale of production and business activities required by enterprises to prevent and control the epidemic. It is necessary to do a good job in post-lending management, and monitoring enterprises shall not use credit funds for other purposes, let alone for lending. At the same time, key enterprises should open designated payment accounts in banks when applying for loans to ensure that operating income is used for repayment in full and on time. Banks should take the initiative to connect enterprises with upstream and downstream customers, and strengthen the management of loan funds by using government procurement loans, accounts receivable pledge loans, order financing and other modes to realize "closed-loop operation" of loan funds.
Special loans take preferential interest rates and are subsidized by finance. Encourage financial institutions to give preferential interest rates to loans from key enterprises. In principle, the interest rate of special loans shall not be higher than the latest one-year loan market quotation before the contract signing date (LPR 2020 1 0.20 announced 65438+4.65438%), and the longest loan term shall not exceed1year. At the same time, the provincial finance will arrange special funds to give a 50% discount to the interest rate agreed in the loan contract of key enterprises. Conditional city and county finance can give appropriate discount according to the situation.
For special loans, government financing guarantee institutions such as provincial financial holding guarantee companies and provincial re-guarantee companies provide financing guarantee services to key enterprises. In accordance with the requirements of the Notice of the Ministry of Finance on Supporting Financial Services to Strengthen Prevention and Control of novel coronavirus, counter-guarantee requirements will be cancelled for key enterprises, the guarantee and re-guarantee rate will be reduced, cooperation with lending banks will be strengthened, and compensation obligations will be fulfilled in time. (Gansu Economic Daily)