亚博在哪里下载软件

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发布机构: 梅州市工业和信息化局、梅州市金融工作局、梅州市市场监督管理局、梅州市财政局 发文日期: 2020-04-25
名  称: 关于印发梅州市中小微企业信贷风险补偿资金管理办法的通知
文  号: 梅市工信〔2021〕44号 信息时效期:

梅市工信〔2021〕44号


关于印发梅州市中小微企业信贷风险补偿资金管理办法的通知


GEXIAN(SHI、QU)RENMINZHENGFU,SHIYOUGUANDANWEI:

  《MEIZHOUSHIZHONGXIAOWEIQIYEXINDAIFENGXIANBUCHANGZIJINGUANLIBANFA》YIJINGSHIRENMINZHENGFUTONGYI,XIANYINFAJINIMEN,QINGRENZHENZUZHISHISHI。SHISHIGUOCHENGZHONGYUDAODEWENTI,QINGJINGXIANGSHIGONGYEHEXINXIHUAJUFANYING。

   

   

   

  梅州市工业和信息化局          梅州市金融工作局

      MEIZHOUSHISHICHANGJIANDUGUANLIJU           MEIZHOUSHICAIZHENGJU

                                   2021NIAN4YUE25RI

   


 

梅州市中小微企业信贷风险补偿资金管理办法

   

第一章  总 则

   

  DIYITIAOWEIJINYIBUWANSHANWOSHIZHONGXIAOWEIQIYERONGZIFENGXIANFENDANJIZHI,CHONGFENFAHUICAIZHENGZIJINDEFANGDAXIAOYINGHEDAOXIANGZUOYONG,GULI、YINDAOJINRONGJIGOUJIADADUIZHONGXIAOWEIQIYEDEXINDAIZHICHILIDU,QIESHIHUANJIEQIYERONGZIKUNNAN,GENJU《ZHONGHUARENMINGONGHEGUOZHONGXIAOQIYECUJINFA》《GUANGDONGSHENGCUJINZHONGXIAOQIYEFAZHANTIAOLI》《GUANGDONGSHENGRENMINZHENGFUGUANYUCHUANGXINWANSHANZHONGXIAOWEIQIYETOURONGZIJIZHIDERUOGANYIJIAN》(YUEFU〔2015〕66HAO)、《GUANYUCUJINMINYINGJINGJIGAOZHILIANGFAZHANDERUOGANZHENGCECUOSHI》(YUEBANFA〔2020〕27HAO)HE《MEIZHOUSHIRENMINZHENGFUGUANYUYINFAMEIZHOUSHIJIANGDIZHIZAOYEQIYECHENGBENZHICHISHITIJINGJIFAZHANRUOGANZHENGCECUOSHI(XIUDINGBAN)DETONGZHI》(MEISHIFU〔2018〕26HAO)DENGDEGUIDING,JIEHEBENSHISHIJI,ZHIDINGBENBANFA。

  DIERTIAO BENBANFASUOCHENGZHONGXIAOWEIQIYEXINDAIFENGXIANBUCHANGZIJIN(YIXIAJIANCHENG“FENGXIANBUCHANGZIJIN”),SHIZHIYOUZHENGFUZUZHI、DUOQUDAOCHOUZISHELIDEWEIQIYEZENGXIN,GULIYONGZHISHICHANQUAN(ZHUANLI、SHANGBIAO、DILIBIAOZHI)HUODEZHIYARONGZI,GULIHECUJINYINXINGYEJINRONGJIGOUJIADADUIBENSHIZHONGXIAOWEIQIYEXINDAIZHICHILIDUDEZHENGFUYINDAOXINGZHUANXIANGZIJIN。FENGXIANBUCHANGZIJINYONGYUHEZUOJINRONGJIGOUWEI“ZHONGXIAOWEIQIYECHI”ZHONGDEQIYETIGONGDAIKUANSUOCHANSHENGDEFENGXIANSUNSHIANYUEDINGJINXINGBUCHANG。

  FENGXIANBUCHANGZIJINDESHIYONGYINGDANGFUHEGUOJIAFALVFAGUI、JINGJIZHENGCE、CHANYEZHENGCE、QUYUFAZHANZHENGCEHEXINDAIZHENGCE,JIANCHIGONGPING、GONGZHENG、GONGKAIYUANZE,QUEBAOZIJINGUIFAN、ANQUANHEGAOXIAOSHIYONG。

  DISANTIAO SHELIMEIZHOUSHIZHONGXIAOWEIQIYEXINDAIFENGXIANBUCHANGZIJINGUANLIGONGZUOLINGDAOXIAOZU(YIXIAJIANCHENG“LINGDAOXIAOZU”),FUZEFENGXIANBUCHANGZIJINGUANLIGONGZUODETONGCHOUXIEDIAOHEZHONGDASHIXIANGJUECE。

  DISITIAO ANGUIDINGCHENGXUJIANLI“ZHONGXIAOWEIQIYECHI”。FENGXIANBUCHANGZIJINDEZHICHIDAIKUANDUIXIANGWEI“ZHONGXIAOWEIQIYECHI”ZHONGDEQIYE。

  DIWUTIAOBENBANFASUOCHENGHEZUOJINRONGJIGOU,SHIZHIYUZHENGFUZHIDINGJIGOUQIANDINGZHONGXIAOWEIQIYEXINDAIFENGXIANBUCHANGZIJINYEWUHEZUOXIEYI,XIANG“ZHONGXIAOWEIQIYECHI”NEIQIYEFAFANGDAIKUANDESHANGYEYINXING。

   

第二章  信贷风险补偿资金管理机构及职责

   

  DILIUTIAOLINGDAOXIAOZUYOUSHIZHENGFUCHANGWUFUSHIZHANGRENZUZHANG,SHIZHENGFUFENGUANLINGDAORENFUZUZHANG,CHENGYUANYOUSHIGONGYEHEXINXIHUAJU、SHICAIZHENGJU、SHIKEXUEJISHUJU、SHISHANGWUJU、SHIJINRONGGONGZUOJU、SHINONGYENONGCUNJU、SHISHICHANGJIANDUGUANLIJU(ZHISHICHANQUANJU)、SHISHENGTAIHUANJINGJU、SHIWENHUAGUANGDIANLVYOUJU、RENMINYINXINGMEIZHOUSHIZHONGXINZHIXING、MEIZHOUYINBAOJIANFENJUDENGDANWEIZHUYAOFUZERENZUCHENG。LINGDAOXIAOZUXIASHEBANGONGSHI(SHEZAISHIGONGYEHEXINXIHUAJU),ZUOWEIFENGXIANBUCHANGZIJINYUNXINGZHONGDEXIEDIAOGUANLIBUMEN,FUZELINGDAOXIAOZUDERICHANGYUNZUO,BANGONGSHIZHURENYOUSHIGONGYEHEXINXIHUAJUZHUYAOFUZERENJIANREN。

  DIQITIAOLINGDAOXIAOZUDEZHUYAOZHIZE:

  (YI)ZUZHIYANJIUHESHENYIWANSHANFENGXIANBUCHANGZIJINGUANLIZHIDU;

  (ER)SHENYIHEZUOJINRONGJIGOULIYONGFENGXIANBUCHANGZIJINDEDAIKUAN(YIXIACHENG“FENGXIANBUCHANGZIJINDAIKUAN”)NIANDUYEWUGONGZUOJIHUAHEGONGZUOBAOGAO;

  (SAN)SHENYIHEPIZHUNFENGXIANBUCHANGZIJINHUAIZHANGHEXIAO;

  (SI)SHENHESHANGBAOFENGXIANBUCHANGZIJINBUCHONGFANGAN,BIANGENGFENGXIANBUCHANGZIJINGUIMO;

  (WU)JIANDUYOUGUANFENGXIANBUCHANGZIJINDAIKUANDESHIYONGXIAOYIQINGKUANG;

  (LIU)SHENYIHEZHUNFENGXIANBUCHANGZIJINDEQINGSUAN、CHEXIAO;

  (QI)SHENYIQITAXULINGDAOXIAOZUYANJIUQUEDINGDEZHONGDASHIXIANG。

  DIBATIAOLINGDAOXIAOZUBANGONGSHIDEZHUYAOZHIZE:

  (YI)QUEDINGHEBIANGENGFENGXIANBUCHANGZIJINDEHEZUOJINRONGJIGOU;

  (ER)ZAIHEZUOJINRONGJIGOUKAISHEFENGXIANBUCHANGZIJINZHUANYONGZHANGHU;

  (SAN)HEZHUNJINRUQIYECHIDEZHONGXIAOWEIQIYEMINGDAN;

  (SI)SHENHEPIZHUNHEZUOJINRONGJIGOUTIJIAODEFENGXIANBUCHANGZIJINZENGXINDAIKUANSHENQING;

  (WU)SHENHEFENGXIANBUCHANGZIJINDAIKUANFENGXIANBUCHANGSUNSHIJIBANLICHANGFU;

  (LIU)HEZHUNFENGXIANBUCHANGZIJINCUNFANGGEJINRONGJIGOUDEEDUDENG。

  DIJIUTIAOLINGDAOXIAOZUGECHENGYUANDANWEIZHUYAOZHIZE:

  (YI)SHIGONGYEHEXINXIHUAJUFUZESHENDINGFENGXIANBUCHANGZIJINZHONGDIANFUCHICHANYEFANGXIANG,DAIKUANQIYEXIANGMUDECHANYEZHENGCEPINGGU。FUZEJIANLIHEGUANLI“ZHONGXIAOWEIQIYECHI”;ZUOHAOZIJINDAIKUANYEWUDETUIGUANGXUANCHUANGONGZUO,SHIGONGYEHEXINXIHUAJUZHISHUDANWEIMEIZHOUSHIZHONGXIAOQIYEFUWUZHONGXINFUZEZUZHIFALV、HUIJI、SHENJIDENGDISANFANGZHUANYEJIGOUDUISHENQINGRUCHIQIYEJINXINGZIXINDIAOCHA。BINGFUZEDUIZIJINDAIKUANQIYEDEDAIHOUGENZONG、JIANDU、FUWU。

  (ER)SHICAIZHENGJUFUZEFENGXIANBUCHANGZIJINCHOUJI,JIAQIANGDUIFENGXIANBUCHANGZIJINZHUGUANBUMENDEJIANGUAN,SHISHICAIZHENGZIJINJIXIAOGUANLIGONGZUO,BAOZHANGFENGXIANBUCHANGZIJINYUNXINGSUOXUJINGFEIDENG。

  (SAN)SHIKEXUEJISHUJUFUZESHENDINGFENGXIANBUCHANGZIJINFUCHIDEGAOXINJISHUJIQITAKEJICHANYEJINGYINGFAZHANFANGXIANG,DAIKUANQIYEXIANGMUDECHANYEZHENGCEPINGGU。

  (SI)SHISHANGWUJUFUZESHENDINGFENGXIANBUCHANGZIJINZHONGDIANFUCHIJIAGONGMAOYIQIYE、SHANGMAOLIUTONGJIDIANZISHANGWUCHANYEJINGYINGFAZHANFANGXIANG,DAIKUANQIYEXIANGMUDECHANYEZHENGCEPINGGU。

  (WU)SHIJINRONGGONGZUOJUFUZEXIEDIAOYUJINRONGJIGOUDEHEZUOGUANXIDENG。

  (LIU)SHINONGYENONGCUNJUFUZESHENDINGFENGXIANBUCHANGZIJINZHONGDIANFUCHINONGYECHANYEHUAJINGYINGFAZHANFANGXIANG,DAIKUANQIYEXIANGMUDECHANYEZHENGCEPINGGU。

  (QI)SHISHICHANGJIANDUGUANLIJU(ZHISHICHANQUANJU)FUZESHENDINGFENGXIANBUCHANGZIJINZHONGDIANFUCHIYONGZHISHICHANQUAN(ZHUANLI、SHANGBIAO、DILIBIAOZHI)HUODEZHIYARONGZIDECHANYEJINGYINGFAZHANFANGXIANG,DAIKUANQIYEXIANGMUDECHANYEZHENGCEPINGGU。

  (BA)SHISHENGTAIHUANJINGJUFUZESHENDINGQIYEZHIXINGGUOJIAHUANJINGBAOHUXIANGGUANZHENGCEFAGUI。

  (JIU)SHIWENHUAGUANGDIANLVYOUJUFUZESHENDINGFENGXIANBUCHANGZIJINZHONGDIANFUCHIWENHUAYISHU、LVYOUDENGCHANYEFAZHANFANGXIANG,DAIKUANQIYEXIANGMUDECHANYEZHENGCEPINGGU。

  (SHI)ZHONGGUORENMINYINXINGMEIZHOUSHIZHONGXINZHIXINGFUZEJIANLIHEWANSHANZHONGXIAOWEIQIYEXINYONGTIXI,ZHIDAOHEXIEDIAOHEZUOJINRONGJIGOUCHUANGXINZHONGXIAOWEIQIYEXINDAICHANPINHEFUWU;

  (SHIYI)MEIZHOUYINBAOJIANFENJUFUZEJIAQIANGDUIHEZUOJINRONGJIGOUDEJIANDUHEGUANLI,DUCUJINRONGJIGOUYANGEANGUIDINGKAIZHANYEWU。

  DISHITIAOHEZUOJINRONGJIGOUDEZHUYAOZHIZE:

  (YI)CHENGLIZHUANMENDEFUWUTUANDUIKAIZHANCIXIANGYEWU,QIESHITIGAOGONGZUOXIAOLV;

  (ER)ZHIXINGFENGXIANBUCHANGZIJINHEZUOXIEYI,DINGQIXIANGLINGDAOXIAOZUBANGONGSHIBAOGAOYOUGUANSHOUDAIQIYEFENGXIANBUCHANGZIJINDAIKUANSHIYONGQINGKUANG;

  (SAN)YU“ZHONGXIAOWEIQIYECHI”NEIDEQIYEKAIZHANFENGXIANBUCHANGZIJINDAIKUANYEWU,ZHIXINGYOUHUILILV,JIANGDIQIYEDEDAIKUANCHENGBEN;

  (SI)DUI“ZHONGXIAOWEIQIYECHI”NEIQIYEDEDAIKUANGUIMOLIZHENGDADAOZIJINZONGEDE10BEIYISHANG。DUI“ZHONGXIAOWEIQIYECHI”NEIFUHEDAIKUANTIAOJIANDEQIYEDAIKUANEDUANBUDIYUQIDI(ZHI)YAWUPINGGUZHIDE80%QUEDING;

  (WU)DULIKAIZHANDUI“ZHONGXIAOWEIQIYECHI”NEISHENQINGFENGXIANBUCHANGZIJINDAIKUANQIYEDEJINZHIDIAOCHAHEPINGSHEN,JINZHIDIAOCHA、PINGSHENGUOCHENGHEJIEGUOBUSHOURENHEDANWEIHEGERENGANYU;

  (LIU)YIZHAOHEZUOXIEYICHENGDANXIANGYINGDEFENGXIANZEREN;

  (QI)TIQINGLINGDAOXIAOZUJIQIBANGONGSHISHENYIZIJINDECHANGBUHEHEXIAOHUAIZHANG;

  (BA)FUZEFENGXIANBUCHANGZIJINDAIKUANSUNSHISHIDEZHAIWUZHUISUO;

  (JIU)JIANDUXIANGGUANFENGXIANBUCHANGZIJINDAIKUANDESHIYONGQINGKUANG。

   

第三章  信贷风险补偿资金来源及规模

   

  DISHIYITIAOFENGXIANBUCHANGZIJINZHUYAOBAOKUOSHIJICAIZHENGZIJINDEZHIJIETOURU、SHANGJICAIZHENGXINDAIFENGXIANBUCHANGFUCHIZIJINHEFENGXIANBUCHANGZIJINNIESHENGDELIXIDENG。

  DISHIERTIAO LINGDAOXIAOZUSHOUQUANSHIGONGYEHEXINXIHUAJUZAIJINRONGJIGOUKAISHEZHUANHUCUNFANGFENGXIANBUCHANGZIJIN,CAIYONGSHOUTUOYUNZUO、ZHUANHUGUANLIDEFANGSHI,FENGBIYUNXING,ZIJINJINXIANYUTIGONGFENGXIANBUCHANGYEWUDEDANBAOJIDAICHANG。

  DISHISANTIAOZAIZIJINDAIKUANPINGTAIYEWUZHONGZHIQIEZIJINCHISUOYOUDAIKUANBENXIJIEQINGHOU,ZIJINCHIQITAZIJIN(HANBENXI)KOUJIANBUCHANGSUNSHIHOUYICIXINGTUIHAISHICAIZHENG。

  DISHISITIAOGULIHEZHICHIBENDIJINRONGJIGOUYULINGDAOXIAOZUJIANLIHEZUOGUANXI,SHENQINGHEZUODEJINRONGJIGOUXUJUBEIYIXIATIAOJIAN:

  (YI)JUYOUJIANQUANDEXINDAIGUANLIZHIDU,DAIKUANFENGXIANFANGKONGNENGLIJIAOQIANG;

  (ER)ZHIDINGXIANGXIDEFENGXIANBUCHANGZIJINYEWUGUANLIBANFAHECAOZUOLIUCHENG,WEIQIYETIGONGKUAIJIE、BIANLIDEFUWU,BUDEBIANXIANGZENGJIAQIYEDERONGZICHENGBEN;

  (SAN)YOUZUGOUDEXINDAIEDUZHICHI“ZHONGXIAOWEIQIYECHI”NEIQIYEFAZHAN;

  (SI)KEJIESHOUDEDAIKUANDANBAOFANGSHILINGHUODUOYANG,BAOKUODANBUXIANYUCAIQUYIFANGCHAN、TUDI、ZHISHICHANQUAN(ZHUANLI、SHANGBIAO、DILIBIAOZHI)DENGBIAOZHUNDI(ZHI)YAWUJINXINGDI(ZHI)YADEDANBAOFANGSHIDENG;

  (WU)JIADADUI“ZHONGXIAOWEIQIYECHI”NEIQIYEDEFUCHILIDU,ZAIZHENGCEYUNXUXIAJINKENENGWEICHINEIQIYETIGONGYOUHUILILV,QIYEDAIKUANSHITIGONGLEBIAOZHUNDI(ZHI)YAWUDE,DAIKUANLILVBUGAOYUBENJINRONGJIGOUTONGLEIXINGDAIKUANNIANDUPINGJUNLILVDE90%;

  (LIU)JIESHOUBENBANFADEYOUGUANHEZUOTIAOKUAN。

   

第四章  企业入池条件及程序

   

  DISHIWUTIAOLINGDAOXIAOZUBANGONGSHIGENJUGECHENGYUANDANWEI、GEXIAN(SHI、QU)ZHONGXIAOQIYEZHUGUANBUMEN、HEZUOJINRONGJIGOUTUIJIANHEQIYEDEZIYUANSHENQINGDENG,DINGQISHOULIBINGHEZHUNJIARU“ZHONGXIAOWEIQIYECHI”DEZHONGXIAOWEIQIYEMINGDAN,DINGQIZAISHIZHENGFUMENHUWANGZHANDENGXIANGGUANMEITISHANGXIANGSHEHUIGONGBU。

  DISHILIUTIAOFUHEXIALIEJIBENTIAOJIANDEZHONGXIAOWEIQIYE,LVXINGXIANGGUANSHOUXUHOU,JUNKELIERU“ZHONGXIAOWEIQIYECHI”:

  (YI)ZAIMEIZHOUSHIXIAQUNEIJINGSHICHANGJIANDUGUANLIJIGUANYIFAHEZHUNDENGJIZHUCE、FUHEGUOJIATONGJIJU《TONGJISHANGDAZHONGXIAOWEIQIYEHUAFENBANFA(2017)》(GUOTONGZI〔2017〕213HAO)HUAXINGBIAOZHUN、BINGQIEFUHEGUOJIAHESHENGSHICHANYEFAZHANZHENGCEYAOQIUDEZHONGXIAOWEIXINGQIYE;

  (ER)ZHUYINGYEWUTUCHU,JINGYINGGUANLIGUIFAN,WENDINGFAZHANDEQIYE,BAOKUO:ZHUANJINGTEXINQIYE、“GUISHANG”QIYE、GAOXINJISHUQIYE、KEJIXINGZHONGXIAOQIYE、SHANGSHI(GUAPAI)QIYEYIJISHANGSHULEIXINGXIANGYINGPEIYUKUQIYE,GUOJIAHESHENGSHICHUANGYECHUANGXINDASAIHUOJIANGQIYE;

  (SAN)QIYEYINGFUHEYINXINGYEXINDAIZHENGCE,MANZUZAIYINXINGBANLIXINDAIYEWUDEJIBENYAOQIU,KAISHEJIESUANZHANGHU,XINYONGJILULIANGHAO;

  (SI)RENMINYINXINGZHENGXINBAOGAOBUCUNZAIBULIANGXINYONGJILU;

  (WU)QIYEZAIQITADISANFANGZHENGXINQUDAOWUBULIANGXINYONGJILU;

  (LIU)WUCANYUGAOLIDAIDENGGAOFENGXIANJINGYINGXINGWEI,QIEQISHIJIKONGZHIREN(JIQIPEIOU)WUSHEHEI、CANYUGAOLIDAIJIQITAWEIFAXINGWEI。

  DISHIQITIAOQIYERUCHICHENGXU。

  (YI)FUHEBENBANFADISHILIUTIAOGUIDINGDEZHONGXIAOWEIQIYEKEZHIJIEXIANGLINGDAOXIAOZUBANGONGSHITICHURUCHISHENQING,YEKETONGGUOXIAN(SHI、QU)ZHONGXIAOQIYEZHUGUANBUMENTIJIAOSHENQING,GECHENGYUANDANWEIHEHEZUOJINRONGJIGOUYIKEANBENBANFADISHILIUTIAODEGUIDINGTUIJIANQIYE。

  (ER)LINGDAOXIAOZUBANGONGSHIDINGQIHUIZONGQIYESHENQING,WEITUOMEIZHOUSHIZHONGXIAOQIYEFUWUZHONGXINZUZHIDISANFANGZHUANYEJIGOU,DUIQIYEJINXINGZIXINDIAOCHA,LINGDAOXIAOZUBANGONGSHIGENJUSHIZHONGXIAOQIYEFUWUZHONGXINTIJIAODEPINGGUBAOGAOSHUZUOCHUSHENHEYIJIAN,DINGQIDUININARU“ZHONGXIAOWEIQIYECHI”DEQIYEMINGDANZAISHIZHENGFUMENHUWANGZHANDENGXIANGGUANMEITISHANGGONGSHI,WUYIYIHOUYOULINGDAOXIAOZUBANGONGSHIJIANGSHENHEPIZHUNWENJIANSHUMIANTONGZHIHEZUOJINRONGJIGOUHESHENQINGQIYE。

  (SAN)RUCHIQIYEMEINIANXIANGLINGDAOXIAOZUBANGONGSHIBAOSONGNIANDUJINGYINGQINGKUANGHENIANDUCAIWUBAOBIAO。

  (SI)“ZHONGXIAOWEIQIYECHI”SHIXINGDONGTAIGUANLI,LINGDAOXIAOZUBANGONGSHIWEITUOMEIZHOUSHIZHONGXIAOQIYEFUWUZHONGXINDUIDAIKUANQIYEJINXINGRICHANGDAIHOUGENZONG、JIANDU、FUWU,BINGMEISANNIANDUIRUCHIQIYEANRUCHITIAOJIANJINXINGFUHE,BINGJIANGFUHEJIEGUOZAISHIZHENGFUMENHUWANGZHANDENGXIANGGUANMEITISHANGXIANGSHEHUIGONGBU,FAXIANRUCHIQIYEYOUXIALIEQINGXINGZHIYIDEYUYICHUMING,5NIANNEIBUDEZHONGXINSHENQINGRUCHI:

  1. YOUZHONGDAWEIFAWEIGUIJILUDE;

  2. HUODEFENGXIANBUCHANGZIJINDAIKUANHOU,BULVXINGHETONG、BUANQIFUXIHAIKUANHUODAOQIBUCHANGHAIJINRONGJIGOUDAIKUANBENXIQIEZAOCHENGFENGXIANBUCHANGZIJINSUNSHIDE;

  3. YOUNUOYONGHUOGAIBIANFENGXIANBUCHANGZIJINDAIKUANYONGTUDE;

  4. YOUTIGONGXUJIAXINXI,PIANQUFENGXIANBUCHANGZIJINDAIKUANXINGWEIDE。

   

第五章  贷款办理程序

   

  DISHIBATIAOFENGXIANBUCHANGZIJINDAIKUANFAFANGLVXINGYIXIACHENGXU:

  (YI)RUCHIQIYEXIANGHEZUOJINRONGJIGOUTIJIAODAIKUANSHENQING,YOUHEZUOJINRONGJIGOUANBENJIGOUDEQIYEDAIKUANSHENLICHENGXU,ZAI15GEGONGZUORINEIDULIWANCHENGDUIQIYEDESHIDIDAIQIANDIAOCHA,DUIQIYEJINXINGXINYONGPINGJIA、ZHUANXIEDIAOCHAPINGJIABAOGAO,QUEDINGSHOUXINEDU,WANCHENGSHENPIBINGXINGCHENGFANGDAIYIXIANGHOU,XIANGLINGDAOXIAOZUBANGONGSHITIJIAO《YEWUSHENQINGHAN》,LINGDAOXIAOZUBANGONGSHIZAISHOUDAOSHENQINGHANHOU5GEGONGZUORINEITICHUSHENHEYIJIAN,BINGJIANGSHENHEJIEGUOSHUMIANTONGZHIHEZUOJINRONGJIGOU。

  (ER)HEZUOJINRONGJIGOUDUINARUXINDAIFENGXIANBUCHANGZIJINFANWEINEI、FUHEDAIKUANTIAOJIANDEQIYEFAFANGBUDIYUQIDI(ZHI)YAWUPINGGUZHI80%DEDAIKUAN,QIZHONG:WEIXINGQIYEDAIKUANEDUYIBANBUCHAOGUO500WANYUAN(HAN500WANYUAN)、XIAOXINGQIYEDAIKUANEDUYIBANBUCHAOGUO1000WANYUAN(HAN1000WANYUAN)、ZHONGXINGQIYEDAIKUANEDUYIBANBUCHAOGUO2000WANYUAN(HAN2000WANYUAN),DAIKUANQIXIANYIBANBUCHAOGUO3NIAN(HAN)。HEZUOJINRONGJIGOUGENJUHUOPIQIYEDEXIANYOUTIAOJIAN,YUQIYEQIANDINGJIEKUANHETONG、DANBAOHETONG。

  (SAN)HEZUOJINRONGJIGOUXINDAIYEWURENYUANDUIQIYEQUANTAODAIKUANZILIAOJINXINGSHENHE,QUERENDAIKUANSHENPITIAOJIAN、HETONGTIAOKUANYILUOSHI,JIEKUANHETONG、DANBAOHETONGDENGFALVWENJIANYAOSUQIQUAN、SHOUXUWANBEI,DI(ZHI)YADENGJISHOUXUYIBANTUO,ANZHAOYUEDINGFAFANGDAIKUAN。HEZUOJINRONGJIGOUZAIDAIKUANFAFANGHOU2GEGONGZUORINEISHUMIANBAOGAOLINGDAOXIAOZUBANGONGSHI。

   

第六章  风险控制及代偿程序

   

  DISHIJIUTIAODAIKUANFENGXIANKONGZHI。

  (YI)HEZUOJINRONGJIGOUYINGJIANLIFENGXIANYUJINGXINXICHUANDAJIZHI,MEIJIDUXIANGLINGDAOXIAOZUBANGONGSHIHUIBAOFENGXIANBUCHANGZIJINDAIKUANQIYEDEJINGYINGQINGKUANG,BINGDUIDAIKUANQIYEDEYIXIAYUJINGXINXIJINXINGJIANKONG:

  1. ZICHANFUZHAILVLIANXU3GEYUESHANGSHENG,BINGJIAODAIKUANCHUQISHANGSHENG10GEBAIFENDIANYISHANG;

  2. LIUDONGBILVLIANXU3GEYUEXIAJIANG,BINGJIAODAIKUANCHUQIXIAJIANG10GEBAIFENDIANYISHANG;

  3. QIYEZHUYAOGUDONGHUOSHIJIKONGZHIRENFASHENGBIANGENG;

  4. CUNZAIXUZENGSHISHOUZIBEN、CHOUZITAOZIXIANXIANG;

  5. CUNZAIWEIFAJINGYINGHUOJINGJI、FALVJIUFEN;

  6. RENWEIYOUQIANZAIFENGXIANSUNSHIDEKENENGXIANXIANG。

  (ER)DANGHEZUOJINRONGJIGOUFAFANGDEFENGXIANBUCHANGZIJINDAIKUANYUQILV(YUQIDAIKUANE/DAIKUANYUE)CHAOGUO10%SHI,HEZUOJINRONGJIGOUYINGLIJIBAOGAOLINGDAOXIAOZUBANGONGSHI,BINGZANTINGFAFANGXINDEFENGXIANBUCHANGZIJINDAIKUANYEWU;YUQILVXIAJIANGHOU,KEHUIFUFENGXIANBUCHANGZIJINDAIKUANYEWU。

  DIERSHITIAOFENGXIANBUCHANGZIJINDAIKUANSUNSHIBUCHANGCHENGXU。

  (YI)FALVSUSONGCHENGXU。QIYEDAIKUANYUQICHAOGUO2GEYUE,HEZUOJINRONGJIGOUGENJUYUEDINGJISHIQIDONGZHAIWUZHUISUOCHENGXU,TONGSHISHUMIANBAOGAOLINGDAOXIAOZUBANGONGSHI,DANGHEZUOJINRONGJIGOUSHUMIANQUERENWUFAZHUIHUIFENGXIANBUCHANGZIJINDAIKUANBENXISHI,YINGZHENGXUNLINGDAOXIAOZUBANGONGSHIYIJIANHOUQIDONGFALVSUSONGCHENGXU。

  (ER)ZHAIWUZHUISUO。QIDONGFALVSUSONGCHENGXUHOU,HEZUOJINRONGJIGOUXIANGJIEKUANRENJINXINGZHAIWUZHUISUO,SHENQINGCHUZHIQIANKUANQIYEDEDI(ZHI)YAWU。ZHUISUOHUIDEZIJINHUOQIYEHUIFUHAIKUANSHOUHUIDEZIJINYONGYUCHANGHAIDAIKUANBENXIYIJISUSONGFEIDENGZHUISUOFEIYONG(ZHUISUOFEIYONGYOUHEZUOJINRONGJIGOUGENJUHEZUOXIEYIBAOQINGLINGDAOXIAOZUBANGONGSHIRENDING),RUYOUSHENGYUTUIHAIDAIKUANQIYE,RUYOUBUZU,YOUHEZUOJINRONGJIGOUXIANGLINGDAOXIAOZUBANGONGSHITIJIAO《GUANYUSHIYONGXINDAIFENGXIANBUCHANGZIJINBUCHANGDEHAN》,TICHUBUCHANGSHENQING,YOUFENGXIANBUCHANGZIJINHEHEZUOJINRONGJIGOUFENBIEAN50%BILIFENTANCHANGHAIBUZUDEZHUISUOFEIYONGJIDAIKUANBENJIN。

  DIERSHIYITIAOHEZUOJINRONGJIGOUSHENQINGDAIKUANFENGXIANBUCHANGYINGTIGONGYIXIACAILIAO:

  (YI)SHENQINGBUCHANGHAN;

  (ER)DAIKUANJIEJUJIHETONG;

  (SAN)DAIKUANDANBAOHETONG;

  (SI)FAYUANLIANSHOULIPINGZHENG(HUIZHI)FUYINJIAN,XIANGFAYUANTIQISUSONGCAILIAOFUYINJIAN(JIAGAIGONGZHANG);

  (WU)QIYELIXIDANFUYINJIAN,HAIBENFUXIJILUQINGDAN,CUISHOUQINGKUANGSHUOMINGDENGDAIKUANSUNSHIZHENGJU(JIAGAIGONGZHANG)。

   

第七章  监督和管理

   

  DIERSHIERTIAOFENGXIANBUCHANGZIJINBIXUZHUANKUANZHUANYONG。LINGDAOXIAOZUBANGONGSHIYINGJIANLIWANSHANJIXIAOPINGJIAZHIDU,DINGQIDUIZHENGTISHIYONGQINGKUANGJINXINGYOUXIAOPINGGU。

  DIERSHISANTIAOFASHENGFENGXIANBUCHANGZIJINDAIKUANDAICHANGHUOYOUBENBANFADISHIQITIAODISIXIANGGUIDINGXINGWEIDEQIYE,JIANGUANBUMENHEHEZUOJINRONGJIGOUANGUIDINGJIANGDAIKUANQIYEJIZERENRENLIERURENMINYINXINGZHENGXINJILU,DINGQIZAIZHENGFUMENHUWANGZHANGONGBU,QIE5NIANNEIBUZAINARU“ZHONGXIAOWEIQIYECHI”。DUIYUEYITAOBIZHAIWUDAOZHIFENGXIANBUCHANGZIJINHEJINRONGJIGOUDAIKUANSUNSHIDEDAIKUANQIYE,YIFAZHUIJIUQIFALVZEREN。

  DIERSHISITIAOLINGDAOXIAOZUBANGONGSHIMEINIANGENJUFENGXIANBUCHANGZIJINHEZUOXIEYI,DUIHEZUOJINRONGJIGOUJINXINGKAOHE,FENGXIANBUCHANGZIJINCHIZIJINDAOWEI1NIANHOU,HEZUOJINRONGJIGOUWEIANHEZUOXIEYILVXINGYINGJINYIWUDE,YINGZELINGZHENGGAI;ZIJINDAOWEI2NIANHOURENGWEIANYAOQIUZHENGGAIDE,QUXIAOHEZUOJINRONGJIGOUHEZUOZIGE。

   

第八章  附 则

   

  DIERSHIWUTIAOBENBANFAZIYINFAZHIRIQISHIXING,YOUXIAOQI5NIAN。《MEIZHOUSHIZHONGXIAOWEIQIYEXINDAIFENGXIANBUCHANGZIJINGUANLIBANFA》(MEISHIZHONGXIAOQIZI〔2018〕33HAO)TONGSHIFEIZHI。BENBANFAYINFASHISHIZHIQIANFASHENGDEFENGXIANBUCHANGZIJINDAIKUAN,RENGANYUANGUIDINGZHIXING。



政策解读:亚博在哪里下载软件:《梅州市中小微企业信贷风险补偿资金管理办法》解读

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