Reduce the cost of enterprises in the real economy | Zhejiang Province fully guarantee to help enterprises to reduce the implementation of the policy

Since the beginning of this year, Zhejiang Province has further iterated and innovated the "Continuous Loan+Flexible Loan" mechanism, integrating loan methods such as renewal loans, annual review system, interim loan loans, and loan. Ensure the application of insurance replacement margin mechanisms, strengthen the coordination of departments to improve the effectiveness of policy implementation, and fully promote enterprises to reduce financial costs.

I. Establish a "continuous loan+flexible loan" working mechanism and orderly undertake loans in the enterprise. In recent years, the Zhejiang Banking Insurance Regulatory Bureau has vigorously promoted the mid -term mobile fund loan service model, carried out innovation of repayment methods such as non -repayment loans and annual review systems, and solved difficulties such as short loans and frequent loans. Since the beginning of this year, further iterative innovation of the "continuous loan+flexible loan" mechanism, integrating loan methods such as renewal loans, annual review system, interim loan loans, and loan. Continue to alleviate the mismatch of corporate financing periods and frequent loans. In the first half of 2022, Zhejiang (excluding Ningbo) "Continuous Loan+Flexible Loan" mechanism loan issued a total of 2.5 trillion yuan. Among them, the medium -term mobile loan was to reduce financing costs by 3.46 billion yuan for enterprises. Cost 4.3 billion yuan.

Second, iterative upgrade promotes "dual insurance" to help financing. In June 2020, the Zhejiang Banking Insurance Regulatory Bureau jointly established a "dual insurance" emergency financing mechanism nationwide to facing factors such as epidemics and other factors that are temporarily difficult to encounter. Emergency loans. Since the beginning of this year, due to the continuous impact of the epidemic, the Zhejiang Banking and Insurance Regulatory Bureau has further iterated and upgraded the emergency financing mechanism, deepened the "total" batch guarantee cooperation model, accelerated the expansion of the business, and gave more new loan support for small and medium -sized enterprises. , Then to revitalize the stock and slow release risk. As of the end of June 2022, the banking institutions within their jurisdiction had issued a "dual guarantee" to 95,000 small and medium -sized enterprises to help loans of 136.2 billion yuan.

3. Deepen the application of insurance replacement margin mechanisms. The first is to continue to promote development and improve business coverage. Printing and issuing documents such as "Implementation Opinions on Stabilizing Expure Effective Effective Effective Effective Effective Effective Effect", further promoting guarantee insurance replacement margin work, and focusing on reducing the burden and efficiency of the enterprise. At present, the guarantee of insurance replacement margin work has covered multiple fields such as engineering construction, litigation preservation, and government procurement. In the first half of 2022, Zhejiang (excluding Ningbo) accumulated a total of approximately 162.563 billion yuan by guarantee insurance replacement margin, a year -on -year increase of 40.06%; the cumulative burden reduction was about 5.660 billion yuan, an increase of 34.44%year -on -year. The second is strong service to enhance the sense of company gain. Through demonstration contract terms, simplifying processes, and establishing special business insurance claims green channels and other forms to improve the time limit for insurance claims, the underwriting of construction engineering only takes 1-2 working days. The third is to promote digitalization and improve satisfaction of all parties. The use of Zhejiang bidding guarantee insurance business system, promoting online handling of business, and improving service quality. As of June 2022, 17 insurance companies have connected to the Zhejiang Public Resources Trading Center through the system to connect about 30 cities, counties (districts) bidding trading platforms.

Fourth, strengthen the effectiveness of departments to improve the implementation of policies. The Zhejiang Banking Insurance Regulatory Bureau closely links the Provincial Department of Culture Travel, the Provincial Department of Transportation, the Provincial Taxation Bureau and other departments to introduce a series of special policies such as supporting homestays, transportation enterprises, and small and medium -sized enterprises to relieve difficulties, and promote financing docking, information sharing and policy collaboration Essence From June 1st to August 2nd, the newly added and extended loan of the accommodation and catering enterprises was 10.4 billion yuan, of which 1.9 billion yuan of homestay enterprises provided more than 210,000 catering and other service companies with business interruption losses at a risk of 5.8 billion yuan; New and extended loans for transportation companies are 29.7 billion yuan, which will handle insurance delay services for 14,000 operating vehicles, saving premiums of 30.98 million yuan; new and delayed loans for cultural tourism companies will be 5 billion yuan. Promote the coordinated industries and fiscal policies of financial policies, and form a overlapping effect. Guide banking institutions relying on export tax refund, reserved tax refund, government procurement and other expected cash flow, as well as the list of government industrial policy support for enterprises, develop special financial products or provide special credit policy support, and provide special credit support for industrial policy and fiscal policy support enterprises 34.6 billion yuan.

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