The scope of application for the pilot project of "preferential loan" financing for manufacturing enterprises in Sichuan Province
Within the administrative region of Sichuan Province, established according to law, paying taxes according to law, having independent legal person qualifications, normal production and operation, no major problems in safety, quality, environmental protection, integrity, etc., manufacturing enterprises with good credit records, focusing on supporting small, medium and micro enterprises, including Sichuan Provincial Manufacturing "Gongga Peiyou" Enterprise, Manufacturing Individual Champion, "Mu Average Hero" Class A Industrial Enterprise, National Specialized Special New "Little Giant" Enterprise, Provincial "Specialized Special New" Small and Medium Enterprises , "Small promotion" focuses on cultivating industrial enterprises, provincial-level key industrial and technological transformation project undertaking enterprises, and other confirmed small and medium-sized manufacturing enterprises on the list, as well as key manufacturing small and medium-sized enterprises recommended by pilot sites.
Application conditions for the pilot project of "preferential loan" financing for manufacturing enterprises in Sichuan Province
(1) Pilot site.
The pilot sites are divided into two types: municipal (prefecture) financial funded pilot sites and district/county financial funded pilot sites. In principle, cities (prefectures) participating in the first phase of the pilot program should contribute no less than 10 million yuan, and districts and counties participating in the first phase of the pilot program alone should contribute no less than 5 million yuan.
(2) Cooperative financial institutions.
The types of cooperative financial institutions include banking institutions, guarantee institutions, and state-owned financial leasing institutions. Cooperative financial institutions should be established in accordance with the law in the administrative region of Sichuan Province, operate in compliance with regulations, have advanced credit approval procedures, strong risk prevention and control capabilities, high service efficiency, and have professional service teams.
Operation and management of pilot application for financing of manufacturing enterprises in Sichuan Province
(1) Financing acceptance.
Enterprises that apply for the "Preferential Loan" can independently choose the financing method and the financial institution that cooperates with the "Preferential Loan". The entrusted management institution will review whether it complies with the scope of support of the "Private Loan", and recommend it to a cooperative financial institution after filing.
(2) Financing review.
The financial institution conducts a final review of the financing project and decides whether the financing is approved or not, the amount of financing, and the time for using the financing.
(3) Determination of losses.
When compensating for the final loan or financial leasing business loss, the cooperative financial institution needs to submit an application to the entrusted management institution. The application materials include:
1. The loan bank or financial leasing institution's application for loan or financial leasing business loss compensation report and relevant supporting materials;
2. A letter issued by the entrusted management agency to identify the overdue loan;
3. The court's civil judgment and other legal documents or supporting materials that can confirm the loss;
4. Other necessary supplementary information.
The entrusted management agency shall review the loss of the loan or financial leasing business, and after reporting to the Department of Economy and Information Technology and the Department of Finance for approval, each partner shall compensate the loss in proportion, and write off the account and record it. The cooperative financial institution shall continue to pursue repayment against the borrower or lessee and the persons jointly and severally liable in accordance with the loan agreement.
(4) Risk management and control.
1. Cooperative financial institutions should designate a special department to be responsible for the implementation of the "Preferential Loan", implement whole-process risk management and control of the business according to the institution's own requirements, and do a good job in risk management-related work.
2. Implement a loan or financial leasing business circuit breaker mechanism. When the amount of risky loans or financial leases in a certain pilot area reaches the balance of the corresponding fund pool in that area, the cooperative financial institution will suspend the issuance of new "preferential loans" business in that area.
3. Implement an exit mechanism for cooperative financial institutions. The entrusted management agency regularly assesses the development of the financial institution's "preferential loan" business, and for cooperative financial institutions that do not meet the relevant requirements, report to the Department of Economy and Information Technology, the Department of Finance, and the Chengdu Branch of the People's Bank of China to terminate the cooperation.