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In-depth promotion of scientific and technological achievements in Jiangsu Province, the risk of special loans for the risk of l

In-depth promotion of scientific and technological achievements in Jiangsu Province, the risk of special compensation
 
Capital loans (Suk Lo) work plan
 
Financial support for the innovation and development of small, medium and large-sized technology-based enterprises is an important means to expand science and technology innovation projects and accelerate innovation-driven transformation and development. According to the Measures for the Administration of Special Funds for Compensation for the Transformation of Scientific and Technological Achievements in Jiangsu Province (Su Cai Zui [2013] No. 8) and the Implementation Plan for the Trial Work of Su Ke Dai in the Special Funds for the Risk Transformation of Scientific and Technological Achievements in Jiangsu Province (2013) No.264), in order to further promote the trial work of "Suko Loan", further enrich the connotation of the pilot project, and guide the banking financial institutions to increase the credit support for the province's small and medium-sized science and technology SMEs. In the original pilot scheme Based on the development of this program.
 
First, the basic idea
 
To speed up the construction of innovative provinces as the goal, to foster the development of high-tech industries and strategic emerging industries as the orientation, in order to enhance the competitiveness of science and technology enterprises in our province as the focus, focusing on science and technology of small and medium enterprises, risk compensation funds as a means to build Differentiated risk-sharing mechanism to guide the banking financial institutions to further increase the investment in science and technology small and medium micro-enterprises, and vigorously develop the "first loan" as the focus of scientific and technological credit for the province's innovation and development of science and technology enterprises, a strategic new Industry cultivation and industrial restructuring and upgrading provide strong support.
 
Second, the goal of work
 
1) The linkage between cities, counties and counties to establish a special fund pool for risk-based loans for science and technology loans in Jiangsu Province and the introduction of more than 10 cooperative banks to strive for the end of the 12th Five-year Plan and guide cooperative banks to issue technology loans of 20 billion yuan annually to support small and medium- About 20,000 micro-enterprises, the annual loss rate of loans under 5%.
 
2. Establish a differentiated credit risk sharing mechanism for small, medium and large-sized science and technology enterprises to form a compensation loan system and a cooperative banking system covering the province's transformation of scientific and technological achievements into risk-taking loans, and establish "Suke Loans" as a national famous brand in science and technology loans.
 
Third, the main task
 
(A) to establish a special pool of risk compensation
 
We will gradually increase the special fund for provincial-level scientific and technological achievements transformation risk compensation and guide the municipal, county, national and provincial high-tech zones to set up special financial facilities for local counterparts, and the provinces, cities and counties will jointly establish a special capital pool for risk-relief of science and technology loans in Jiangsu Province.
 
(B) to establish a differential risk sharing mechanism
 
In order to solve the financing problem of small and medium-sized technology-based SMEs, based on the principle of "government guidance, market operation and risk sharing", we will innovate the loan risk compensation model for science and technology, establish differentiated responsibility sharing mechanism and multi-level and diversified risks Shared system.
 
(1) Subsidies of provincial-level science and technology financial risk compensation funds (hereinafter referred to as "province-level alternative business libraries") or small and medium-sized micro-enterprises with annual sales income of 50 million yuan or less (" "I)
 
(1) The first-lending enterprise with annual sales income of 20 million yuan (inclusive), the provincial capital is responsible for 90% of the loan principal loss risk.
 
Mode of operation: The three parties in the province, the territories and the banks share the risk together. The provincial capital undertakes a total of 90% of the loan principal loss risk (the provincial capital each takes 45% of the loan principal loss risk), and the cooperative bank takes 10% of the loan book Gold and all interest loss risk. The non-liquidated intellectual property rights (deduction) and corporate executives personal real estate mortgage in full and other means, by the cooperation of commercial banks to support loans. Single loan amount does not exceed 3000000 yuan, the implementation of the loan interest rate benchmark rate announced by the People's Bank of the same period.
 
(2) Renewable credit enterprises with annual sales income of 20 million yuan (inclusive) and small and medium-sized science and technology enterprises with annual sales income of 20-50 million yuan (inclusive). The provincial capital is responsible for 80% of the loan principal loss risk.
 
Mode of operation: The three parties of the province, the territories and the banks share the risk together. The provincial capital undertakes a total of 80% of the loan principal loss risk (the provincial capital each takes 40% of the loan principal loss risk), and the cooperative bank takes 20% of the loan book Gold and all interest loss risk. The non-liquidated intellectual property rights (deduction) and corporate executives personal real estate mortgage in full and other means, by the cooperation of commercial banks to support loans. Single loan limit does not exceed 500 million, the implementation of the loan interest rate benchmark rate announced by the People's Bank of the same period.
 
(3) There is no scientific and technological small and medium-sized micro-enterprise with an annual sales income of 50 million yuan (inclusive) or less in the province-prefecture cooperation mechanism area. Provincial-level funds directly cooperate with the banks and provincial funds bear a 45% risk of loss of loan principal.
 
Mode of operation: In areas where local funds are not set up or where insufficient funds are available, cooperative banks may directly cooperate with provincial funds to support enterprises. Loan loans, the provincial capital commitment 45% of the loan principal risk of risk, cooperative banks to assume 55% of the loan principal and the total interest loss risk. The non-liquidated intellectual property rights (deduction) and corporate executives personal real estate mortgage in full and other means, by the cooperation of commercial banks to support loans. Single loan limit does not exceed 5000000 yuan, the loan interest rate does not rise more than 10% of the benchmark interest rate over the same period.
 
In principle, the same company to enjoy "Suke loan" policy support no more than 3 times.
 
2, Local Science and Technology Financial Risk Compensation Fund Enterprise Support Mode in Alternative Business Bank (hereinafter referred to as "Local Alternative Business Bank") ("Suzhou Branch" Ⅱ)
 
Supporting objects: Local SMEs with an annual sales income of 400 million yuan (inclusive) in the local alternative business database.
 
Mode of operation: The three parties of the province, the territories and the banks share the risk together. Local-led funds save a total of 30% of the loan principal risk (provincial funds bear 10% of the loan principal loss risk and local funds bear 20% Of the loan principal risk of loss), cooperative banks bear 70% of the loan principal and the total interest loss risk. Enterprise quality (deduction) charge of intellectual property by the local science and technology department and the bank is responsible for disposal. Single loan limit does not exceed 20 million yuan, lending rates go up not more than 20%. Cooperative banks will issue loan business information quarterly to the local science and technology department for examination and filing. The loans granted for examination and approval shall be filed with the special fund management service center (hereinafter referred to as "provincial management service center") designated by the local science and technology department for the transformation of scientific and technological achievements into risk in Jiangsu Province. Provincial Management Service Center agreed by the Provincial Department of Science and Technology and the Provincial Department of Finance to allocate corresponding provincial risk compensation deposits on a quarterly basis according to the actual loan amount. In principle, the same company to enjoy "Suke loan" Ⅱ policy support no more than 3 times.
 
3, local-led risk compensation fund support ("Suke loan" Ⅲ)
 
In areas where science and technology credit work is good and where policies and mechanisms are relatively mature, local governments will carry out risk-relief work on science and technology loans.
 
Who Should Attend: Scientific and technological small and medium-sized enterprises with annual sales income of less than RMB50 million with annual sales revenue of less than RMB50 million and provincial-level alternative enterprises with annual sales income of less than RMB50 million.
 
Mode of operation: Local governments should give full play to the enthusiasm and initiative of local governments when local science and technology loan risk compensation funds have been set up, and where conditions permit, determine the mode of operation of science and technology loans by local governments in light of local conditions, carry out risk compensation work for science and technology loans led by local governments, Provincial-level funds and local funds are allocated according to the ratio of 1: 2. Cooperative banks give some magnified credit, share the risk of loan losses, and further increase the support for scientific and technological loans of small and medium-sized science and technology enterprises. After the local science and technology and finance departments apply to the Provincial Department of Science and Technology and the Provincial Department of Finance for approval, the provincial management service center and relevant local governments shall conduct business negotiations, sign provincial cooperation agreements, organize and manage scientific and technological loans independently by local governments, and Deal with the provincial capital related matters. The local science and technology departments report the loan status to the provincial administrative service center for the record every quarter. Provincial Management Service Center quarterly according to the actual amount of loans and supporting the allocation of provincial funds. Loan losses, the provincial capital in accordance with the procedures and provincial responsibility for the proportion of risk compensation.
 
(C) the establishment of risk compensation cooperative banking system
 
Establishing a cooperative banking system for risk-aided loans for small and medium S & T-based SMEs in the province. Commercial banks, state-owned banks and policy banks that meet the following basic conditions may apply for participation: First, they are willing to support the development of small and medium-sized technology-based enterprises; second, they have stronger own power and more service outlets; and third, Level branches and above have a separate science and technology financial management department, a special person to develop various types of technology financial products; Fourth, to provide preferential conditions for cooperation, can be granted to the provincial capital to enlarge 10 times and above the loan credit. Give priority to supporting the establishment of science and technology branches, to carry out the franchise of science and technology credit banks to participate.
 
The cooperative banks "Sukuk Loan" Ⅰ and "Sukkuk Loan" Ⅱ are determined to cooperate by the Provincial Department of Science and Technology and the Provincial Department of Finance. Cooperative Bank "Suke Loan" Ⅲ is selected by the local government and submitted to the Provincial Administrative Service Center for record. The provincial administrative service center is reported to the Provincial Department of Science and Technology and the Provincial Department of Finance for confirmation.
 
(D) establish risk compensation fund management system
 
Provincial Management Service Center under the guidance of the Provincial Science and Technology Office to carry out risk compensation fund management, specifically responsible for the provincial preliminary screening of alternative business warehouse enterprises, regional and cooperative banks involved in the initial screening and assessment, loan review and management, corporate loan record and Statistics, provincial capital appropriation and compensation review, intellectual property rights (deduction) transfer and other routine work, as well as the provincial science and technology department commissioned by other related work.
 
Encourage science and technology management departments of high-tech zones in cities, counties, districts, counties and provinces to participate in the work of "Sukuk Loan", set up special funds for local risk compensation and establish local risk-compensating loan management agencies with full-time staff to be responsible for the construction of local alternative business repositories , The provincial-level alternative enterprise library storage enterprise organization recommended, enterprise loan project audit and management, corporate loan filing and statistics, local capital compensation, provincial capital compensation applications and other specific management work. Those who are willing to participate in the work of "Soviet Union loan" areas, submit an application to the provincial management service center.
 
(E) the establishment of risk compensation fund loan statistics system
 
The establishment of "Suke loan" filing statistics system, the provincial management service center, cooperative banks, local risk compensation loan management agencies arrange special staff for the record and statistics of loans, quarterly filing and statistical reports. We will further improve the record-keeping statistical work system for risk-adjusted loans for scientific and technological achievements so as to ensure the scientific, accurate and time-efficient scientific and technological loan statistics.
 
Fourth, safeguards
 
1, establish evaluation and reward system and risk control mechanism. Provincial Department of Science and Technology, Provincial Department of Finance is responsible for the province's scientific and technological achievements into risk compensation loans to guide and supervise the work of the provincial management service center for each year's overall assessment of the work. Provincial Management Service Center each year to participate in the assessment of regional and cooperative banks. Good support for the organization and management, support for science and technology small and medium enterprises and the number of loans, the first mortgage rate, the risk of low compensation for participating regions and cooperative banks, to give recognition; small and medium-sized enterprises to support science and technology, risk compensation rate High participation areas and cooperative banks to increase the proportion of risk compensation liability sharing until the cancellation of cooperation. The annual loan loss rate of participating regions or cooperative banks exceeds 5%, and the proportion of risk-bearing funds in the follow-up cooperation will be halved. The participating regions or cooperative banks will suspend subsequent cooperation when the loan loss rate reaches 5%.
 
2, the establishment of risk compensation mechanism. For the occurrence of bad science and technology loans, the establishment of risk compensation mechanism. After the cooperative bank repays the arrears enterprise and disposes the related assets, the loan principal still has losses. According to the different modes of cooperation, the Bank applies the risk compensation application to the local risk compensation management institution and the provincial management service center accordingly. Provincial Management Service Center on a monthly basis to the Provincial Department of Science and Technology, Provincial Department of Finance risk compensation review of opinion, the Provincial Department of Finance will be the Provincial Science and Technology Department for review to confirm. For those who meet the conditions of risk compensation, the Provincial Science and Technology Department shall, in conjunction with the Provincial Department of Finance, issue a notice of risk compensation decision, and the provincial management service center will go through the formalities of funds appropriation with the cooperative banks. Local funds risk compensation review procedures set by the local self.
 
3, to establish a write-off supplementary mechanism. In order to ensure the smooth implementation of the risk compensation loans for the transformation of scientific and technological achievements and ensure a certain amount of special funds, the provincial, municipal and county financial departments at all levels have established a mechanism for replenishing special funds for risk compensation. The provincial-level special fund for risk compensation shall be submitted by the provincial science and technology department, and the provincial finance department shall examine and approve the fund replenishment. Local special funds to be added by the local science and technology, finance departments to consult their own arrangements.
 
4, the establishment of work funding guarantee mechanism. In order to ensure the sustainability and effectiveness of loan repayments for the transformation of scientific and technological achievements and to reflect the commonweal nature of daily services, the work expenses of the provincial management service center are arranged by the provincial Science and Technology Department and the Provincial Department of Finance according to the annual performance appraisal of the provincial management service centers , Of which the work of "Suke Loan" Ⅰ was arranged according to not more than 1 ‰ of the total newly-increased technology loan amount for the whole year and the other risk-compensating loan work was arranged according to not more than 0.1 ‰ of the newly increased technology loan amount for the whole year In principle, funds required for funding and working expenses are included in the interest of the provincial-level scientific and technological achievements into risk compensation funds, and the newly promulgated institutions' financial and accounting systems are strictly enforced and unified into the income management of public institutions. The work expense required by the local risk compensation administration agency may refer to relevant provincial policies or be negotiated and settled by the local finance and science and technology departments.

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