Security for financing small and medium business enterprises in our province will receive financial assistance
Credit guarantee institutions for small and medium business enterprises to provide financing guarantees, financial guarantees will be given no more than 2% of the amount of subsidy; small and medium business enterprises to obtain loans from financial institutions by way of security, financial guarantees given to cost no more than 50% of the actual payment of the subsidy.Reporter learned from the Jiangxi Province Department of Finance, for the support and promotion of small and medium business enterprise development, give full play to its convenient consumption, the role of stabilizing the market, according to the central spirit of the document, the Jiangxi Provincial Department of Commerce Department of Finance jointly develop "small business enterprise financing in Jiangxi Province use of special funds secured operating cost subsidy approach ", in encouraging enterprises guarantee institutions for small and medium business financing secured at the same time, small and medium business enterprises for the first time the scope of subsidies included in warranty costs, reduce warranty costs. Operating characteristics of small and medium business enterprises is a typical "distributed economy", the average a smaller scale, a higher degree of dispersion, non-corporate natural persons and individual businesses in the majority, has obvious financial needs of its "informality" the small, scattered, short-term, flexible, while business conditions, lack of adequate security, and management are not standardized, the financial system is not perfect, information asymmetry, risk-resisting ability of poor individuals, resulting in the overall financing environment for commerce and trade less often encountered funds " bottleneck. " According to Jiangxi Provincial Department of Finance official said that the grant funds three types of behavior related to security grants: one to support the credit guarantee institutions for small and medium business enterprises to provide financing guarantees, the second is support for security institutions to provide financing guarantees for the business cluster, the three is the small and medium business enterprises guarantee the security costs arising from subsidies. According to reports, December 1, 2009 to August 30, 2010 between the credit guarantee institutions for small and medium business enterprises to provide the amount of single loan guarantee of 800 million (inclusive), without the guarantee of other central government subsidies to business, with less than 1% of the amount of loan guarantee subsidies; guarantee institutions of commodity trading markets, commercial blocks, gathering area business services, businesses and other commercial industries in the cluster to provide financing guarantees, without central government subsidies for additional security services, giving not more than 2% of the amount of loan guarantees, subsidies, the maximum grant amount for each security agency no more than 300 million. Guarantee agencies received grant funds, can only be used to make up for compensation for losses or additional risk reserve. Within the trade industry clusters with growth and expansion of, in order to join, chain, distribution, etc. in the business of small and medium business enterprises, guarantee access to financial institutions through single loan amount 800 million (inclusive) shall be given no more than the actual 50% of warranty costs to pay the subsidies, the maximum grant amount for each business does not exceed 15 million. Security for financing to reduce costs. Enjoy the security of credit guarantee institutions grant funds must also have the following conditions: an independent legal personality, paid-up capital of 2,000 million yuan, the county paid-in capital guarantee agencies 10 million yuan; financial management system is sound, according to the provisions of extraction and management and the use of various reserves; economic good, accounting, taxation, bank credit and so no bad record; three years no illegal record; projects during the reporting period for small and medium business enterprises to provide the loan guarantee their security accounted for 20% of total above; loan guarantees last year amounted to paid-in capital of more than 2 times; guarantee bank rate over the same period of not more than 50% of the benchmark lending rate; guarantee loans to small and medium business enterprises and the use of the national macro-economic policy, industrial policy and regional development policies . Enjoy the benefits of small and medium business enterprises must belong to the wholesale and retail, accommodation and catering, renting and business services, resident services and other services, slaughtering, logistics, warehousing and other industries. Scale enterprises to comply with state departments of SMEs that standard, including retail, services and other services the residents of no more than 500 employees, sales of not more than 1 million 5 million yuan; wholesale trade, leasing and business services, slaughter industry no more than 200 employees, with sales not exceeding 3 billion; accommodation and catering industry no more than 800 employees, sales of not more than 1 million 5 million. Logistics, warehousing, no more than 3,000 employees, sales of no more than 3 million.