The loss of loan principal can be shared by the three parties of the government guarantee bank – Cho haole010.com

The principal of the loan losses can be guaranteed by the government bank three common responsibility – Chongqing Channel – people.com.cn October 9th, reporter learned from the Municipal Finance Bureau, the Municipal Finance Bureau, City SME Bureau, city Industrial and Commercial Bureau recently jointly issued the "Chongqing Small and micro businesses loan risk compensation provisional law", as from the date of publication. The interim measures put forward the "government Silver Bear" cooperation model, that is, small and micro enterprise loans when the loss of principal, the government, guarantees, banks together to undertake three parties. City Finance Bureau insiders, small and micro enterprise loans include small and micro enterprise liquidity loans and micro enterprise entrepreneurial support loans (excluding Real Estate Company loans, financing platform company loans). After the loan loss of small and micro enterprises, the following four conditions can be met, and the risk compensation can be obtained after approval: first, according to the provisions of these measures, the new loans to small and micro enterprises after the implementation of these measures. Two, the cooperative banks and Guarantee Corporation have fulfilled the obligations of diligence, diligence, management, collection and recovery of the creditors according to the regulations. The three is the cooperation of the Guarantee Corporation has been compensated, and in accordance with the "management approach" to write off bad debts of financial enterprises, Small and micro businesses to recover more than 180 days has not yet recovered the liquidity loans and loans (micro entrepreneurship support Guarantee Corporation to guarantee corporate lawyer’s letter began to send the first count); banking financial institutions in accordance with the provisions of the "bad debts management" financial enterprises to recover more than 180 days have not been recovered by direct credit, pledge or guarantee provided by way of micro enterprise loan support (banking financial institutions to be calculated business loans to send the first letter of attorney letter began). The four is to apply for Small and micro businesses liquidity loans, enterprises need to visit the Chongqing municipal small micro enterprise loan risk compensation management system for registration, and by the county where the Department in charge of SMEs and SME Bureau preliminary examination and review; the application of micro entrepreneurship support loan companies need to the district Industrial and Commercial Bureau signed submissions in enterprise before the loan "Chongqing small micro enterprise loan policy application form", and only in a bank financial institutions for micro entrepreneurship support loan. It is reported that in the "political Silver Bear" mode of cooperation, the cooperation between the bank and the cooperation of the Guarantee Corporation to confirm the adverse, Small and micro businesses and Guarantee Corporation in accordance with the provisions of recovery after 180 days confirmed the loss of liquidity loans, loss of principal will be "political Silver Bear" 3:2:5 share; micro enterprise business support (the principal) according to the loan risk loss banks and guarantee agencies, municipal finance, county finance 4:3:3 ratio bear. The compensation rate of the city’s Guarantee Corporation is no more than 10% of the total loans of small and micro enterprises, and the total amount of loan loss (principal) of the enterprises supported by micro enterprises, and the city finance is compensated by 50% of the actual compensation. (reporter Liao Xuemei) (commissioning editor: Qin Jie, Zhang?)

贷款本金出现损失可由政府担保银行三方共同承担–重庆频道–人民网   10月9日,记者从市财政局了解到,市财政局、市中小企业局、市工商局近日联合发布《重庆市小微企业贷款风险补偿暂行办法》,从公布之日起施行。该暂行办法提出了“政银担”合作模式,即小微企业贷款出现本金损失时,可由政府、担保、银行三方共同承担。   市财政局人士介绍,小微企业贷款包括小微企业流动资金贷款和微型企业创业扶持贷款(不包括房地产公司贷款、融资平台公司贷款)。小微企业出现贷款损失后,满足以下四个条件,经审批后即可获得风险补偿:   一是按照本办法规定标准,在本办法实施后向小型、微型企业新发放的贷款。   二是合作银行及担保公司按规定履行了债权人勤勉尽职的调查、审批、管理、催收、追偿等各项义务。   三是合作担保公司已代偿,并按照《金融企业呆账核销管理办法》,追收180天以上尚未收回的小微企业流动资金贷款及微型企业创业扶持贷款(担保公司向被担保企业发送第一封律师函开始计算);银行金融机构已按照《金融企业呆账核销管理办法》规定追收180天以上尚未收回的以直接抵、质押或保证担保方式提供的微型企业创业扶持贷款(银行金融机构向被贷款企业发送第一封律师函开始计算)。   四是申请小微企业流动资金贷款前,企业需登陆重庆市中小微企业贷款风险补偿管理系统注册申请,并由所在区县中小企业主管部门和市中小企业局进行初审和复核;申请微型企业创业扶持贷款的企业需要在贷款前提交企业所在区县工商局签署意见的《重庆市小微企业政策性贷款申请表》,且只能在一家银行金融机构办理微型企业创业扶持贷款。   据悉,在“政银担”合作模式下,对合作银行与合作担保公司共同确认出现不良,且担保公司按规定追偿180天后确认损失的小微企业流动资金贷款,本金损失将按“政银担”3:2:5共同分担;微企创业扶持贷款风险损失(本金)按银行及担保机构、市级财政、区县财政4:3:3比例分别承担。市再担保公司代偿比例不超过小微企业流动资金贷款及微企创业扶持贷款损失(本金)总额的10%,市财政按实际代偿的50%补助。 (记者廖雪梅) (责编:秦洁、张?)相关的主题文章: