Henan launches "Yuntong Loan"!Who can apply for 100 million risk capital pools and free guarantee fees?

Please pay attention to the "two enterprises and two" groups of the "two enterprises and two" groups affected by the epidemic affected by the epidemic! The best credit interest rate, the maximum credit quota, and the characteristics of the transportation and freight logistics industry with the most preferential credit interest rates for you -Henan Transportation "Transportation" business launched on July 21.

It is reported that in order to promote the local government financing guarantee agency to provide guarantee for guarantee for the "two enterprises and two" loans, support the "two enterprises and two" financing entities for loan risk compensation, the Henan Provincial Department of Transportation and Layon Enterprise loan cooperation model, set up a capital pool of 6: 4 of provinces and cities. Establishing a "transportation loan" political and banking fund pool, in addition to risk compensation, premium subsidies are also provided, and the guarantee company no longer collects fees to the enterprise and reduce the burden on the enterprise.

(Note: "Two Enterprises" refer to two types of enterprises: road cargo transportation enterprises and logistics distribution enterprises, including roads for ordinary cargo transportation enterprises, online platform road cargo transportation enterprises, "driver's home" operation enterprises, small and medium -sized logistics distribution and express delivery Enterprise. "Two" refers to ordinary transportation individual industrial and commercial households and individual truck drivers.)

To better support the "two enterprises and two" groups, Henan starts the "transportation loan" business

In order to focus on supporting the "two enterprises and two" groups of road freight logistics companies that affected the difficulties of the epidemic, Henan officially launched a special credit product of "transportation loan".

On July 21, at the launching ceremony of the "Transportation Loan" in Henan Province, Xu Qiang, director of the Henan Provincial Department of Transportation, introduced that the "transportation loan" of Henan Province is based on the maximum to win 100 billion yuan in national transportation and logistics special re -loan. In its share, the Henan Provincial Department of Transportation and the Henan Provincial Department of Finance, the Zhengzhou Central Sub -branch of the People's Bank of China, the Henan Banking Insurance Regulatory Bureau, the Henan Provincial Local Financial Supervision Bureau, the Central Plains Rean Guarantee Group and the relevant financial institutions, jointly designed for industry enterprises Credit interest rates, maximum credit quotas, and special credit products with the characteristics of transportation and freight logistics industry. It is also a model for innovation cooperation such as "political and banking" and other innovative cooperation models for the industry. Effective carrier.

Henan Province is a large transportation and logistics province. There are many business households in road freight markets, many employees, and many transportation vehicles. The overall scale is in the country's first echelon. It is an important basic area for achieving stable growth, employment, and people's livelihood. However, in recent years, due to multiple factors, especially due to the impact of the new crown pneumonia's epidemic, the development of the transportation and logistics industry is facing a severe situation. The reduction of corporate supply, decreased timeliness, and poor passage. Reverse rising, causing income to decline and difficulty in operation.

At the same time, the main body of the transportation and logistics industry in Henan Province generally presents the characteristics of "small, scattered, and weak", and the market has weak anti -risk capacity. Model, financing channels. In order to relieve difficulties in transportation and logistics enterprises, ensure the smooth traffic of logistics and transportation in Henan, and build a modern logistics system in Henan.

"Strengthen the cooperation of industry authorities, banks, guarantee agencies, and enterprises, and establishing a new type of 'government and banking' partnership. The way is a powerful measure to achieve mutual trust and win -win. "Xu Qiang said that as long as you adhere to the principles of" equality and mutual benefit, complement each other, co -exert your strength, harmonious and win -win ", you can use the spirit of" trusting each other and based on the long -term "cooperation spirit, you can be able to be able to be able to do it. To maximize the preferential policies of transportation and logistics re -loan, we will fully work hard, go all out to the service transportation market subject through difficulties and restore vitality, and make due contributions to stabilizing the province's economic market.

The development of "transportation loans" and establishing capital pools allow enterprises to fully get policy dividends and better policies to land

In order to focus on supporting the "two enterprises and two" groups of the road freight logistics industry that affected the difficulties of the epidemic, the national level has already moved.

On May 20, the People's Bank of China and the Ministry of Transport jointly issued the "Notice on the Establishment of Special Re -Loans for Transportation and Logistics" (hereinafter referred to as the "Notice"), and issued a special re -loan policy for transportation and logistics. On June 9th, in order to further clarify the specific requirements of the policy landing, the General Office of the People's Bank of China and the General Office of the Ministry of Transport and the General Office of the Ministry of Transport and the "Supplementary Notice on the Re -Loan Loan of Transportation and Logistics" (hereinafter referred to as the "Supplementary Notice" To.

According to the above two notices, special re -loans are issued by China Agricultural Development Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and China Postal Savings Bank. The total number of special re -loans in this special re -loan is 100 billion yuan, with a period of 1 year and a period of one year. The policy period is implemented until the end of 2022. The loan is facing the country.

Talking about why to develop the product of "transportation and loan", the person in charge of the relevant department of the Henan Provincial Department of Transportation introduced that recently, through investigations of enterprises and banks, there are not in place to transmit the policy of bank provincial branches in grass -roots banks, existing financial products and here. The combination of secondary loans is not closely combined. The enterprise knows that the policy is good, but the bank still conducts loans in accordance with the existing loan interest rate and loan amount.

"Considering the above situation, in accordance with the requirements of the" Supplementary Notice ", the department has played a joint effort to promote the local government financing guarantee agency to provide guarantee for guarantee for the" two enterprises and two 'loans; Compensation. "The person in charge introduced, so the Provincial Department of Transportation studied and carried out the" government and banks "corporate loan cooperation model, established a capital pool of 6: 4 of the provincial and cities, and established the premise of the internal risk control of the bank. The "responsibility" model, the fund pool entrusted the Central Plains Re -Guarantee Group to manage it. The person in charge introduced that the establishment of a "transportation loan" fund pool and carrying out the "government and banking burden" cooperation model are mainly based on the characteristics of the "small, scattered, and weak" characteristics of the market entity of the transportation and logistics industry. ) Innovative financing methods such as less assets, difficult financing, and expensive financing. Establish government capital injection premium subsidies and compensation compensation funds pools, establish a five -level danger model of banks, fund pools, guarantee institutions, provincial re -guarantee institutions, and national financing loan funds to help transportation and logistics enterprises financing and development. Through the involvement of guarantee agencies, increasing credit for enterprises, sharing risks for banks, and not increasing the burden on the enterprise, realized no sensitivity guarantee, and further promoted the implementation of special re -loan policies. And the development of special credit products for "transportation loan", based on the relying on existing products to rely on existing products, combine the spirit of transportation and logistics special re -loan policy, government and silver loan model, etc., and continue to deepen the research and development to ensure that the company has the maximum policy to get the largest policy Dividends to ensure the formation of re -loan "Henan model".

It is reported that the scale of the capital pool is 100 million yuan, of which the provincial financial capital injection is 60 million yuan. The "Fund Pool" unified commissioned Central Plains Reinsurance Group Co., Ltd.

The premiums are fully supplemented, which greatly reduces the cost of corporate financing.

The establishment of the fund pool, through risk compensation compensation, premium subsidy, etc., has turned "paper bonus" into a "real gold and silver" that supports the development of "two enterprises and two" groups.

According to reports, the "transportation loan" government and banking fund pool, in addition to risk compensation, also provided premium subsidies, that is, to subsidize the guarantee company at 1.5%of the loan amount, the guarantee company no longer collects anti -guarantee against the enterprise Cost and reduce the burden on corporate.

For example, Henan Qianying Industrial Co., Ltd., which was established in June 1997, has won a number of honors such as "2021 Logistics Digitalization Pioneer Enterprises". It is an excellent online platform road cargo transportation enterprise in Henan Province. As the hub connected to the driver, the company uses the "Internet+" operation, which is a typical typical investment in light assets, and the financing cost has always been high. Affected by the epidemic, the company urgently needed low -cost financing channels to pass the current difficulty.

According to the requirements of the "Notice", the company's beneficiary enterprises that meet the "two enterprises, two companies, two" group loan conditions in accordance with the special re -loan of transportation and logistics, through the provincial department of transportation and the innovative design of political and banking cooperation models, it has passed the postal savings bank Zhengzhou Agricultural Guarantee Co., Ltd. cooperates, with a credit loan amount of 10 million yuan. The bank provides the benchmark interest rate, and the guarantee company is free of corporate guarantee fees. Compared with the company's minimum annualized rate of 5.22%of other credit loans, this method has greatly reduced the company's financing costs, making "paper bonuses" "real gold and silver."

According to reports, the development of political and banking cooperation models is conducive to giving full play to the role of the Henan Provincial Government's financing guarantee system, increasing the credit and logistics enterprises for Henan Province, while promoting banks to increase the credit support for transportation and logistics enterprises in our province, they can actively actively actively. Strive for the preferential policy of re -loan of the People's Bank of China for transportation and logistics; it is conducive to winning better financial support for the National financing guarantee fund; it is conducive to maintaining the vitality of the market for transportation and logistics enterprises, and continuously promoting the reconstruction strategy of Henan Province. The establishment of a "capital pool" for transportation is an important measure to promote the implementation of the special re -loan of transportation and logistics. It is a need for implementing the Party Central Committee and the State Council on ensuring the smooth and promoting decision -making and deployment of the industrial chain.

"According to the operating rules of the" government and silver "business model, when the total amount of funds set up by the capital pool is 100 million yuan, it can support the total amount of financing loans of 4 billion yuan (40 times the total amount of funds pool)." The person in charge of the relevant department of the department said that if the funds pool is good, the Provincial Department of Transport will explore the establishment of a normal loan guarantee fund pool on the basis of summing up experience to provide normalized financing support for road transportation companies.

"Two enterprises and two" group financing requires these conditions

According to reports, the "two enterprises and two" group financing supported by "Yantong Loan" requires the following conditions:

Specific content and process

First of all, the use of the "Express Loan Pool" by using fiscal funds to provide guarantee expenditure subsidies and risk compensation fund guarantees for the special re -loan of transportation and logistics.

Secondly, the bank shall verify, approve, and loan the loan business application through the risk control system through the risk control system.

Again, the cooperation guarantee institution implements the policy of "sharing the loan" and no longer reviews and collects guarantee fees for the loan business. Subsidies for guarantee expenses will no longer charge loan main guarantee fees in accordance with the normal market standards (2%-3%rates).

Finally, if the loan subject cannot continue to repay normally, and after the evaluation has no compensation, the government, banks, guarantee agencies, and re -guarantee agencies can be shared by 2: 2: 2: 4. With the provincial financing guarantee funds and the funds in the "Express Loan Pool", as compensation funds, they jointly compensate the bank to the bank that cannot be repaid in the loan principal, that is, the "risk compensation mechanism". At the same time, it also stipulates that when a certain city and county, risk compensation compensation funds exceed 5%of the total loan principal, and the fusion mechanism will be started, which will no longer perform the risk compensation mechanism.

According to the "Detailed Rules of Transportation 'Transport Loaning' Business Implementation", the Henan Provincial Department of Transportation needs to comply with the financing needs of eligible transportation enterprises, to recommend the cooperative bank in batches by provinces and municipalities. With risk control, the company's financing entities review, grant credit, lending and post -loan monitoring, and cooperate guarantee agencies in batches.

The "two enterprises and two" groups follow the principle of honesty and trustworthiness, and provide loan application materials in accordance with the credit requirements of cooperative banks. Cooperative banking cooperation guarantee agencies collecting a copy of the business license of the financing subject, a certificate of legal representative, a copy of the legal representative ID card, a copy of the company's articles of association, the resolution of the shareholders' meeting/board of directors, a copy of the anti -guarantor ID card, etc. The materials must be covered with an enterprise official seal.

The cooperation bank conducts due diligence in accordance with its own credit rules, completes the loan approval in accordance with the bank loan review requirements and procedures, and opens the green credit channel in accordance with the "transportation loan" cooperation requirements, and reasonably determines the loan amount, term and interest rate from You Cong quickly.

In the loan issuance section, the cooperation bank signed a loan contract with the "two enterprises and two" groups, and completed the loan issuance after handling relevant entrusted guarantee agreements and anti -guarantee procedures on behalf of the cooperation guarantee agency. Cooperation bank regularly transfer relevant contracts and documents to cooperative guarantee agencies.

Small knowledge: what is the "government and silver burden" business model

The business model of "political and silver" in Henan Province's transportation is mainly refers to the financial service model carried out by giving play to the government, banking, guarantee agencies and re -guarantee agencies, and under the premise of meeting the relevant policies of the State Council and the Provincial Government.

Specific content and process

First of all, the use of the "Express Loan Pool" by using fiscal funds to provide guarantee expenditure subsidies and risk compensation fund guarantees for the special re -loan of transportation and logistics.

Secondly, the bank shall verify, approve, and loan the loan business application through the risk control system through the risk control system.

Again, the cooperation guarantee institution implements the policy of "sharing the loan" and no longer reviews and collects guarantee fees for the loan business. Subsidies for guarantee expenses will no longer charge loan main guarantee fees in accordance with the normal market standards (2%-3%rates).

Finally, if the loan subject cannot continue to repay normally, and after the evaluation has no compensation, the government, banks, guarantee agencies, and re -guarantee agencies can be shared by 2: 2: 2: 4. With the provincial financing guarantee funds and the funds in the "Express Loan Pool", as compensation funds, they jointly compensate the bank to the bank that cannot be repaid in the loan principal, that is, the "risk compensation mechanism".

At the same time, it also stipulates that when a certain city and county, risk compensation compensation funds exceed 5%of the total loan principal, and the fusion mechanism will be started, which will no longer perform the risk compensation mechanism.

The "political and silver" business model is based on the use of fiscal funds to establish a "Express Loan Pool Pool" and carry out relevant financing guarantee business. There are two main uses for the special re -loan of transportation and logistics: one is to provide guarantee for the "two enterprises and two" groups to apply for loans, exempt the guarantee fee, and reduce the cost of loan financing; Guarantee agencies provide guarantee fees for guarantee. Second, when the "two enterprises and two" groups have the ability to repay for no repayment and cannot be repaid normally, the fuse mechanism cannot be repaid in the loan principal of 20%and compensation for risk compensation. The remaining 80%of them are issued by loans, guarantee agencies, and Central Plains Rean Guarantee Group, and compensate for risk compensation in proportion.

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