Article 1 In order to promote the pollution control work in Kunming, these Measures are formulated in accordance with the requirements of "giving financial support to the pollution control of industrial enterprises that pose the greatest threat to the water quality in Dianchi Lake Basin" and "giving support to other industrial enterprises with relatively less funds for pollution control" in the staff evaluation report of the World Bank (hereinafter referred to as the World Bank) and in combination with the actual situation in Kunming. Article 2 These Measures are formulated in accordance with the Measures for the Administration of Environmental Protection Projects Loaned by the World Bank in Yunnan Province, the Project Agreement, the Loan Agreement, the Development Credit Agreement, the relevant provisions on China's utilization of World Bank loans, and the Provisions on the Administration of Domestic Capital Finance and Capital Construction. Article 3 Microfinance financing:

(1) World Bank loan of USD 5 million (calculated by USD: RMB = 1: 8.40, equivalent to RMB 42 million);

(2) According to the World Bank's ratio of 50: 50, the domestic matching fund is 42 million yuan, which is injected in three years (1997 to 1999), and the annual investment is14 million yuan. Matching funds are raised through various channels, including:

(1) 7 million yuan/year at the provincial level (solved by the provincial environmental protection special funds arranged every year);

(2) Kunming 7 million yuan/year (special funds are arranged in the budget every year);

(3) Deposit interest, loan interest, enterprise liquidated damages income, etc. Article 4 The scope of use of small loans (enterprises and institutions in cities, counties and districts within the jurisdiction of Kunming)

(a) Dianchi Lake Basin key pollution source control project;

(two) Kunming key pollution source control project;

(3) demonstration project of pollution control;

(4) Technical transformation projects focusing on pollution control and promoting cleaner production;

(five) technical transformation projects of enterprises that must be relocated or converted to production due to serious pollution;

(six) pollution control projects in the region.

The Dianchi Lake Basin gives priority to the above projects. Article 5 A project entity applying for small loans must meet the following conditions:

(a) in line with the scope of use of fourth small loans;

(2) Abide by all environmental protection laws and regulations;

(3) Conforming to the Ninth Five-Year Plan and 200 1 Plan for the prevention and control of water pollution in Dianchi Lake Basin and the Regulations on the Protection of Dianchi Lake;

(four) the project is feasible after technical and economic demonstration and approved by the relevant departments;

(5) The total investment is below $654.38+$200,000;

(six) self financing accounts for more than 30% of the total investment;

(7) The entrusted bank verifies and proves that the enterprise has the ability to repay the loan, the debt repayment rate should be greater than 1.4, and there is a reliable loan repayment guarantee. Sixth Kunming intends to apply for a small loan project units should apply to the Kunming Municipal Environmental Protection and Utilization World Bank Loan Project Office (hereinafter referred to as the Municipal Project Office). Article 7 An entity applying for a loan must provide the following information:

(1) Application Form of Small Loan for Environmental Pollution Control in Yunnan Province;

(two) the project feasibility study report and approval;

(3) documents certifying the implementation of self-raised funds;

(four) opinions of the environmental protection department on the environmental impact assessment of the project;

(5) Proof that the loan enterprise has paid the sewage charges. Eighth city project office is the microfinance project management office, responsible for the screening, preliminary examination, approval, management and evaluation of microfinance projects.

After receiving the loan application form and related materials, Kunming Project Office shall promptly organize relevant departments to check and summarize the relevant technical, feasibility, financial and environmental impact assessment aspects of the application project, and send it to Kunming Finance Bureau for review and report to the municipal government for approval before implementation. Article 9 If there is a demand for land acquisition for a project applying for small loans, it shall be handled in accordance with the corresponding procedures of the World Bank. Tenth after the approval of the project, the Finance Bureau is responsible for borrowing and lending and signing a loan contract. The county (city) and district financial departments shall not change the loan conditions determined by the Provincial Department of Finance during the loan process. Eleventh borrowing units must ensure that small loans are earmarked and can only be used for the approved project content; If there is misappropriation, the Provincial Department of Finance and the Municipal Finance Bureau have the right to recover the loan and impose a fine on the misappropriated part at a daily interest rate of 4‰. Article 12 The Municipal Environmental Protection Bureau, the Municipal Project Office, the Municipal Finance Bureau and the competent departments shall conduct daily inspections on the use of small loans; The Municipal Finance Bureau has the right to organize or entrust social intermediary agencies to supervise and inspect the use of borrowers' small loans and the progress of the project. Thirteenth county (city) District Environmental Protection Bureau, Finance Bureau and enterprises should submit the annual microfinance usage, project progress, accounting statements and other materials required by the project office to the municipal project office before 10 every year. Fourteenth city project office every year before February 05+05, according to the data collected by the usual supervision and inspection and the materials submitted by the relevant units, write the annual report on the implementation of the city's projects, and send it to the Municipal Finance Bureau for review. Fifteenth small loans and lending conditions:

(1) The annual interest rate of the dollar part of microfinance is floating, which is linked to the standard interest rate of the World Bank. Add an interest rate of not less than 1.5% to the standard interest rate of the World Bank. The RMB part is operated by low-interest loans;

(two) for the part of the loan that has been signed but not withdrawn, the commitment fee is charged at 0.75%;

(3) The loan term of microfinance is 3 to 5 years, of which the grace period is 1 to 2 years. During the grace period, only the interest is paid, but not the principal, and the interest and commitment fee are paid once every six months;

(4) Small loans are issued in US dollars and RMB (foreign currency is not less than half of the loan amount, and the use of foreign currency is encouraged). The principal and interest are calculated according to the loan currency, and the exchange rate risk and interest rate risk are borne by the borrower;

(5) Mobile small loans:

1, municipal project unit: Yunnan Provincial Department of Finance-prefectural, state and municipal finance bureaus-project unit;

2. The extraction of small loans adopts the "reimbursement system".