Guizhou Liupanshui City Finance Bureau explores the new model of "political and banks" cooperation model precision bailout small and medium -sized enterprises

Since 2022, Liupanshui City, Guizhou Province, has found the focus of financial services, explored a new model of cooperation between "government and banks", optimized the financing environment of small and micro enterprises and "agriculture, farmers", and gives full play to the "amplifier" function of government financing guarantees, leveraging the function of government financing guarantee, leveraging the function of government financing guarantee More financial capital serve the real economy, alleviate the difficulty of financing for "agriculture, farmers" and small and medium -sized enterprises to financing, and effectively help enterprises to relieve difficulties. As of the end of April, 89 new guarantees were added for small and micro enterprises, "agriculture and rural" operating entities, and 460.57 million yuan was added.

The first is to adhere to policy leadership and promote the cooperation of new types of "government and banks". Focusing on the "Four New" main fields of the "Four Has" key areas, for the difficulty of financing and pain points and pain points of the company's enterprises and park enterprises, guiding policy guarantee companies to plan for "government and banks" financing demand for financing through invitation and going out. Establish a service platform such as the "Government -Chamber of Commerce -Bank -Guarantee" and "Government -Park -Bank -Guarantee" and other service platforms to solve the financing needs of small and medium -sized enterprises in a targeted manner, create a new type of "political and banks" relationship with mutually beneficial and win -win development. Essence As of the end of April, the Municipal Federation of Industry and Commerce, the Hunan Chamber of Commerce, and the Water City Economic Development Zone Financial Demand Demand Demand Demand for two times, the amount of the signing of financing cooperation was about 250 million yuan, involving more than 30 enterprises.

The second is to adhere to innovation and development and explore the new "cooperation joint insurance" model. Give full play to the role of policy guarantee companies' financing guarantee, explore the new model of joint insurance cooperation cooperation between the "442" business and the city and county -level guarantee company, and use the "amplifier" function of government financing guarantee to maximize the help of guarantee resources for guarantee resources Push local economic development. As of the end of April, the newly added "442" project of the "442" project, involving an amount of 35.69 million yuan, accounting for 77.23 % of the newly added guarantee amount. At the same time, explore the model of risk capital pools to jointly build a guarantee company and the Chamber of Commerce, and adopt "joint insurance and mutual guarantee" between innovative enterprises to weaken anti -guarantee, so that government financing guarantees are covered with wide coverage and benefited more small and medium -sized enterprises in multiple levels. As of the end of April, there were 19 new cities and county joint insurance projects, involving an amount of 88.29 million yuan.

The third is to persist in relieving difficulties and use the new "policy guarantee" functions. In response to the impact of some small and medium -sized enterprises due to the impact of the epidemic, the production stagnation and sales are blocked, causing the loan to be unable to repay the problem, guide the policy guarantee company to take the initiative to act, give full play to the anti -cycle regulation of government financing guarantee agencies, and slowly risk risks. The interpretation combination boxing, actively negotiated the bank to handle non -repayment loans and exhibition periods, reducing money for small and micro enterprises and "agriculture, rural areas", effectively reducing the burden of financing of the real economy, and supporting enterprises to provide bay production and rescue difficulties. As of the end of April, the amount of renewal, the amount of exhibition was 183.13 million yuan, and benefited 26 enterprises; the guarantee premiums for small and micro enterprises and the "agriculture, rural areas" were 696,700 yuan, and benefited 70 enterprises.

The fourth is to adhere to the revitalization of the countryside, and the new "serving the three, farmers" concept. Innovate financial support for spring plowing and cultivation, combined with the development of the "Twelve Great Agricultural Features of Agricultural Features" in Liupanshui, deeply penetrate into the water city to understand the needs of industrial development and financing, and actively promote the "new agricultural direct traffic" products of the provincial agricultural company. The development of special industries such as pear, konjac. As of the end of April, 82.2 million yuan for the development of the agricultural industry and 22 households benefited from 22 business entities. At the same time, continue to give full play to the functions of the risk sharing and risk coexistence of the guarantee company and the leading enterprise, sign a guarantee cooperation agreement with Liupian Shuiliang Citizes Kiwi Industry Co., Ltd., deepen the anti -guarantee method of "leading enterprise + cooperative + company (farmers)", support kiwi Industrial Development. As of the end of April, a total of 36.55 million yuan in loans for the development of the kiwi industry, benefiting 12 companies.

Fifth, adhere to the risk of mitigation and build a new "preventive control" network. We will conscientiously implement the integrity prompt letter and investigation report system, strictly standardize the operation process and project review, build a risk management and control network with a full process, the closer of all links, and the participation of all members, and prevent the risk prevention. As of the end of April, there were 129 prompting letter to loan companies, 129 due diligence investigations, and signing 90 anti -guarantee agreements. At the same time, the guidance company signed a "political and paid cooperation agreement" with the county and district finances, set up a risk capital pool, enhance the city and county linkage, and make a good job of slow release. As of the end of April, there have been 100 projects in the "Political Wealth Cooperation Agreement" project, and the scale of the risk capital pool has reached 44.21 million yuan.

(Source: Office of Guizhou Provincial Department of Finance)

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