The first is to use financial leasing resources. Give full play to the advantages of the financial leasing industry policy in the new district, use the financing risk compensation fund for small and micro enterprises set up separately in the new district, cooperate with the municipal leasing association and related financial leasing companies, and explore the business of fixed assets after sale and leaseback, supplier leasing, PPP project financing, etc. Help small and micro enterprises to raise funds.
The second is to accurately support financial leasing and commercial factoring companies. Further optimize the document "Administrative Measures for Financing Risk Compensation of Small and Micro Enterprises in Tianjin Binhai New Area (Trial)" (J.F.F. [2015] No.38), establish a policy system and support measures to support modern service industries such as financial leasing and commercial factoring, provide financing services to small and medium-sized enterprises in the area, purchase equipment products produced by small and medium-sized enterprises in the area as leases, and give corresponding subsidies according to the business scale.
The third is to play the role of financing guarantee. Incorporate the business of qualified financing guarantee institutions into the compensation scope of the Measures for the Administration of Loan Risk Compensation for Small and Medium-sized Enterprises in Tianjin; Promote state-owned guarantee institutions in new areas and functional areas to increase their registered capital and enhance their compensation capacity; Cooperate with large domestic financing guarantee companies to support the financing needs of small and medium-sized enterprises in the new district.
The fourth is to improve the financing guarantee ability. Promote the guarantee companies with strong guarantee ability and good qualifications in the new district to apply for the qualification of re-guarantee companies, provide re-guarantee for financing guarantee institutions in the new district, and enhance the credit guarantee ability of small and medium-sized enterprises in the new district.
The fifth is to encourage product and service innovation. In view of the characteristics of industrial structure and financing demand in the new area, we will work with Binhai New Area Central Branch of the People's Bank of China and Binhai Banking Supervision Branch to promote financial institutions in the area to innovate financing products, improve financing processes and provide convenient services to better meet the financing needs of SMEs.
The sixth is to use the credit insurance platform. Cooperate with China Export Credit Insurance Corporation Tianjin Branch to support export-oriented enterprises to expand their exports, explore the establishment of a financing and risk protection platform for small and micro enterprises in Binhai New Area, and at the same time strengthen risk protection and provide financing convenience.
The seventh is to establish a regional reverse loan fund pool. A fund pool with an amount of not less than 500 million yuan will be set up at the first level of the new district and seven functional zones such as the development zone and the bonded zone, and professional fund management institutions will be entrusted to carry out market-oriented operations for enterprises in the new district to bridge debts, resolve risks and compensate in advance.
The eighth is to establish an incentive mechanism. Every six months, the 10 financial institutions before the new credit in the new district and the 10 financial institutions with relatively more accumulated credit for small and medium-sized enterprises (selected according to the classification of large, medium and small institutions) will be informed of praise and fixed rewards; The top three functional areas and the top six townships with the highest loan ratio, as well as the townships with the highest proportion of registered enterprises with financing needs, were informed of praise.
The ninth is to establish a micro-service platform of "Internet plus information bridge between government and enterprises". In order to broaden the channels of service enterprises, based on the financial service network of Binhai New Area, an APP mobile phone client was established to solve the information asymmetry problem encountered by small and medium-sized enterprises and financial institutions in the new area during the financing process, which provided convenient conditions for credit rationing to some extent.
Ten is to strengthen the construction of credit environment. The work of establishing and safeguarding financial creditor's rights and cracking down on debt evasion will be led by the District Public Security Bureau and implemented by the District Finance Bureau, the District Court, the District Market Supervision Bureau, the District State Taxation Bureau, the District Local Taxation Bureau, the People's Bank of China Binhai New Area Central Branch and the Binhai Banking Supervision Branch. Intensify the crackdown on non-performing loan subjects such as malicious evasion of financial debts, misappropriation of credit funds through affiliated enterprises, and falsification of financial data, speed up judicial acceptance and trial, create a good financial ecology, and earnestly safeguard the financial security and stability of the new district.