At the same time, Xinxiang Municipal Bureau of Industry and Information Technology has formulated the Measures for the Administration of Directory Database of Key Manufacturing Enterprises, and established the directory database of key manufacturing enterprises. Dynamic management of directory database.
The action plan is clear. Based on the balance of manufacturing loans at the end of June, 20021year, 20% of government funds are deposited every quarter according to the net increase of manufacturing loans of banking financial institutions compared with the previous quarter. If there is a net increase in medium and long-term loans in the manufacturing industry, government fund deposits will increase by 5%. Loans to directory enterprises are moderately inclined.
Xinxiang Municipal Finance Helps Wanjia Enterprises to Improve Manufacturing Financing
Special Action Plan (Trial)
In order to thoroughly implement the activity of "ten thousand people help ten thousand enterprises" of the provincial party committee and government, actively carry out the pilot project of integration and innovation of production and city, mobilize the enthusiasm of financial institutions, improve the level of financial services, increase the supply of manufacturing credit, and accelerate the economic transformation and upgrading, this plan is formulated.
First, the basic idea
In accordance with the principle of "problem-oriented, fair and open, point-to-face combination, making use of the situation, and accurate incentives", we will use government resources to incite financial resources, give full play to the incentive and mobilization role of government capital deposits on banking financial institutions, guide banking financial institutions to focus on manufacturing enterprises, and substantially increase the loan supply, so as to provide financial support for accelerating the transformation and upgrading of manufacturing industries and promoting the high-quality economic and social development of the city.
Second, the support object
The support targets include all manufacturing enterprises in the city that meet the investment conditions of banks, and the selected key manufacturing enterprises are moderately inclined.
The Municipal Bureau of Industry and Information Technology has formulated the Measures for the Administration of Directory Database of Key Production Enterprises and established the directory database of key production enterprises. Dynamic management of directory database. Relying on Xinxiang smart financial service platform, comprehensively collect all kinds of information and data of enterprises, and establish evaluation management mechanism and negative list exit mechanism according to indicators such as corporate tax contribution and development. (See Annex 1 for specific management measures)
Three. Support measures
(1) Promote the overall improvement of manufacturing loans.
Based on the balance of manufacturing loans at the end of June, 2002 1 year, 20% of government funds will be deposited every quarter according to the net increase of manufacturing loans of banking financial institutions over the previous quarter, with a term of1year. If there is a net increase in medium and long-term loans in the manufacturing industry, government fund deposits will increase by 5%.
(two) appropriate loans to enterprises in the directory.
1. Incentive measures linked to deposits and loans. Based on the existing loans of enterprises in the catalog database at the end of June, 20021(including loans of subsidiaries and projects). The net increment of loans granted by financial institutions to enterprises in the Catalogue (excluding loans and bill financing with a term less than 1 year) matches the government deposits, and the daily average of 1 year shall be rewarded at the rate of not less than 10% for each loan. Every new net investment is matched once, and it is no longer enjoyed.
2. Encourage medium and long-term loans. One year, the matching deposit ratio is10%; One year (excluding) to three years (including) is15%; 20% for three years (exclusive) to five years (inclusive); More than five years, 25%.
3. Encourage innovative guarantee methods. Credit loans will be increased by10% on the basis of determining the proportion according to the term; If the guarantee is chattel mortgage loans such as accounts receivable pledge and intellectual property pledge, it will be increased by 5% on the basis of determining the proportion according to the time limit.
4. Encourage the reduction of loan costs. According to the interest rate of the new loan
(2) loan confirmation. Quarterly manufacturing loans of banking financial institutions are provided by Xinxiang Banking Insurance Regulatory Bureau. For enterprise loans in the catalogue, all banking financial institutions shall, within 5 working days after the end of each quarter, submit the details, balance, amount, net increase, interest rate and guarantee method of enterprise loans in the catalogue in the last quarter to the Municipal Finance Bureau, which will send them to the Bureau of Industry and Information Technology for verification and confirmation. All banking financial institutions and enterprises have the responsibility to declare and verify the authenticity of loans. After the online information reporting system of Xinxiang smart financial service platform is launched, banking financial institutions will report the loans of enterprises in the catalogue and verify the enterprises online.
(3) cash adjustment. The Municipal Finance Bureau has formulated the "Trial Measures for Municipal Government Fund Deposits to Encourage Financial Institutions to Support Economic Development", which takes the lead in sorting out all available government funds every year. In principle, the size of the fund should keep growing every year. For the confirmed net loan increment, the Municipal Finance Bureau will calculate the matching deposit ratio according to the provisions of this plan, and the Municipal Finance Bureau will organize the adjustment within 10 working days, and publicize it on the website designated by the Municipal Finance Bureau and the website of Xinxiang Smart Financial Service Platform. The publicity contents include encouraging banking financial institutions to increase the loan quota for enterprises in the Catalogue, the deposit quota of government funds, the redemption time, the opening and closing of accounts, and the dispatching quota of daily revenue and expenditure incentive funds. Specific adjustment measures shall be formulated separately by the Finance Bureau. (See Annex 2)
(4) Constraint mechanism. All banking financial institutions shall promise (from the date of implementation of this plan in the first year) that the growth rate of corporate loans and manufacturing loans in that year shall not be less than 5%, so as to ensure that the overall net loans of enterprises in the catalogue will not decrease. For those who have matched government fund deposits, the balance of manufacturing loans has decreased compared with last quarter, or the working capital loans of enterprises operating normally in the catalog database have decreased abnormally, the reduced part will be deducted in the same proportion in future incentive assessment. Enterprises reflect that there are loans from banking financial institutions, and after verification and coordination by special classes, they still take simple loans to suppress loans, which leads to risks. With the consent of the special class, they will take disciplinary measures against the corresponding banking financial institutions, such as transferring government deposits, canceling relevant accounts, and notifying the superior bank.
Verb (abbreviation of verb) organizational guarantee
(1) Strengthen organizational leadership. Safeguard incentive measures
After the implementation of the policy, the municipal government set up a special class, with the deputy mayor in charge of the municipal government as the team leader and the deputy secretary-general in charge of the municipal government as the deputy team leader. Members include: Municipal Commission for Discipline Inspection, Municipal Bureau of Industry and Information Technology, Finance Bureau, Finance Bureau, Housing and Construction Bureau, Audit Bureau, Medical Insurance Bureau, Housing Provident Fund Center, Xinxiang Central Sub-branch of People's Bank of China, Xinxiang Banking Insurance Supervision Branch and Investment Group. The working class regularly studies and solves the problems encountered in the implementation of the policy, and the office is located in the Municipal Finance Bureau.
(2) Clear division of responsibilities. Each unit is responsible for relevant work according to the clear contents of this plan and their respective responsibilities. Municipal Commission for Discipline Inspection and Supervision Bureau is responsible for supervision and supervision; The Municipal Bureau of Industry and Information Technology is responsible for managing the enterprise directory database and organizing enterprises to verify and confirm the loan delivery; The Municipal Finance Bureau is responsible for formulating and implementing deposit adjustment measures, and taking the lead in coordinating other fund management departments to rationally allocate funds; The Municipal Finance Bureau is responsible for coordinating PBOC, banking supervision departments and financial institutions to do a good job in loan statistics and calculation; City Housing and Construction Bureau, Medical Insurance Bureau, Housing Provident Fund Center and other units are responsible for the implementation of fund allocation; The Municipal Audit Bureau is responsible for audit supervision; The investment team is responsible for building and developing the online platform according to the contents of this plan.
(3) continuous improvement and upgrading. Problems encountered in the implementation of the plan, should be timely organized to study the work class, after the approval of the municipal government to adjust. After a year of trial implementation, the organization will evaluate the documents, revise and improve them according to the procedures, realize the policy intention to the maximum extent, improve the manufacturing loans, and increase the credit support for manufacturing enterprises.
Attachment: 1 Measures for the administration of directory database of key production enterprises
2 municipal government funds to encourage financial institutions to support economic development pilot scheme
Attachment 1
Measures for the administration of directory database of key production enterprises
In order to guide banking financial institutions to focus on manufacturing industry, focus on key manufacturing enterprises, increase credit supply, and better serve the transformation and upgrading of manufacturing industry, it is planned to establish a directory database of key manufacturing enterprises, implement dynamic management and make timely adjustments.
First, the storage mechanism
(1) storage conditions
1. A production enterprise with a good credit record, no major production safety accidents, up-to-standard discharge of environmental protection and legal operation;
2. The total annual tax payment exceeds 6,543,800,000 yuan, and high-tech enterprises, intellectual property creation enterprises, provincial-level "specialized and innovative" small and medium-sized enterprises, leading enterprises in agricultural industrialization above the provincial level, large-scale enterprises (groups) in the city, listed and listed reserve enterprises, undertaking key projects in provinces and cities, or having other honors above the provincial level meet at least one (or more, depending on the scope of the catalogue).
3. There is financing demand.
The above three conditions must be met at the same time to realize warehousing support. The list of enterprises is put into storage in batches, and it is included in the list management after being studied by the leading group. Enterprises can apply for warehousing at any time, and the Municipal Bureau of Industry and Information Technology will regularly study with relevant departments to supplement the warehousing of enterprises.
Debt chains, guarantee chains or other key enterprises in the city can be included in the directory library management after being studied and agreed by the leading group.
(2) warehousing process
1. The Municipal Bureau of Industry and Information Technology takes the lead in the warehousing work of enterprises, puts forward a warehousing proposal list, and the warehousing list enterprises are responsible for issuing credit reports;
2. The Municipal Finance Bureau, Xinxiang Central Sub-branch of the People's Bank of China and Xinxiang Banking Insurance Supervision Branch are responsible for reviewing whether the enterprise breaches the contract, sorting out the debt chain and guarantee chain, guiding the enterprise to put into storage, and understanding the financing needs of the enterprise in conjunction with the Municipal Bureau of Industry and Information Technology;
3. The Municipal Emergency Bureau is responsible for reviewing whether the enterprise has major and above production safety accidents;
4. The Municipal Bureau of Ecology and Environment is responsible for auditing whether the enterprise meets the discharge standards;
5. The Municipal Bureau of Statistics is responsible for examining whether the enterprise belongs to the production enterprise;
6. The Municipal Taxation Bureau is responsible for auditing the total tax paid by enterprises in the previous year;
7 Municipal Science and Technology Bureau, National Development and Reform Commission, Bureau of Industry and Information Technology, Agriculture and Rural Affairs Bureau, Market Supervision Bureau, Finance Bureau and other units to review the relevant qualifications and honors of enterprises.
Second, the exit mechanism.
(1) exit condition
1. If the enterprise breaks its promise or has a major or above production safety accident, it will quit immediately.
2 in the first quarter of each year, the enterprises in the catalogue will be assessed, and enterprises in the following circumstances will quit:
First, enterprises whose operating income and tax (including tax refund) growth rate does not exceed the city's average growth rate of 3 percentage points quit;
Second, enterprises voluntarily quit.
(2) Exit mechanism
1. The Municipal Finance Bureau, Xinxiang Central Sub-branch of the People's Bank of China and Xinxiang Banking and Insurance Supervision Sub-bureau are responsible for monitoring the credit status of enterprises in the catalogue to ensure that untrustworthy enterprises quit immediately.
2. The Municipal Emergency Bureau is responsible for monitoring the safety production of enterprises in the catalogue to ensure that enterprises with major and above safety production accidents immediately quit.
3. The Municipal Bureau of Industry and Information Technology shall, jointly with the Municipal Finance Bureau, Statistics Bureau, Taxation Bureau, Science and Technology Bureau, Development and Reform Commission, Agriculture and Rural Bureau, Market Supervision Bureau and other units, conduct annual assessment of listed enterprises.
4 Municipal Taxation Bureau is responsible for providing the total tax payment and tax growth rate indicators.
5 Municipal Bureau of Statistics is responsible for providing data on the growth rate of operating income.
6 Municipal Science and Technology Bureau, National Development and Reform Commission, Bureau of Industry and Information Technology, Agriculture and Rural Affairs Bureau, Market Supervision Bureau and Finance Bureau are responsible for auditing enterprise honor.
Third, statistical evaluation mechanism.
statistical system
1. The Municipal Finance Bureau is responsible for counting the new loans of enterprises in the catalog database;
2 Municipal Taxation Bureau is responsible for the tax statistics of enterprises in the catalogue;
3. The Municipal Bureau of Statistics is responsible for the statistical work of business income and other indicators of the catalogue library enterprises.
Evaluation mechanism
In the first quarter of each year, make a comprehensive evaluation of the enterprises put into storage in the previous year.
1. The Municipal Finance Bureau is responsible for the change of enterprise loans in the catalogue;
2. The Municipal Taxation Bureau is responsible for the changes in the manufacturing tax revenue and the proportion of tax revenue in the city;
3. The Municipal Bureau of Statistics is responsible for providing data on the change of operating income and the proportion of operating income in the manufacturing industry of the whole city.
In the first quarter of 2023, only listed companies will be assessed, and no annual exit assessment will be conducted. The exit mechanism began in 2023.
Annex 2
The municipal government encourages financial institutions to support the deposit of funds.
Trial measures for economic development
Article 1 In order to mobilize the enthusiasm of banking financial institutions to support the economic development of Xinxiang City, these Measures are formulated in light of the actual situation of Xinxiang City.
Article 2 These Measures shall apply to banking financial institutions that have been approved by the Municipal Finance Bureau to provide new credit.
Article 3 The government funds used to encourage banking financial institutions as mentioned in these Measures include financial funds, property maintenance funds managed by departments, housing accumulation funds, etc.
Article 4 The incentives for banking financial institutions include time deposits of government funds, account opening and daily revenue and expenditure scheduling.
Article 5 Regular storage. Banking financial institutions that have made new loans to the manufacturing industry in our city and have been verified by the Municipal Finance Bureau will be rewarded with time deposits of government funds. Regular storage should be assessed quarterly and cashed within a time limit. The Municipal Finance Bureau, the Property Maintenance Fund Management Center and the Housing Provident Fund Center will reward the one-year average daily amount of government fund time deposits according to the assessment results of the Finance Bureau and the corresponding proportion of new loans in the current period of banking financial institutions.
The Municipal Finance Bureau, the Property Maintenance Fund Management Center and the Housing Provident Fund Center shall sign a deposit agreement with the rewarded banking financial institutions within 10 working days after receiving the assessment results, and allocate the deposit funds in place. After the deposit expires, the financial institution will transfer the deposit principal and interest back to the original bank account in full as agreed.
Article 6 Adjustment of funds. The adjustment of incentive funds shall be carried out in the order of housing provident fund, property maintenance fund and financial funds; When demand deposits are insufficient, they shall be used in the order of financial funds, property maintenance funds and housing provident fund; If it is still insufficient, the latest time deposit funds will be withdrawn in advance for cash. For example, when several banking financial institutions have similar fund accounts at the same time, under the same conditions, similar government funds deposited in other banking financial institutions will be given priority.
The Municipal Finance Bureau, the Property Maintenance Fund Management Center and the Housing Provident Fund Center should scientifically allocate the government funds in charge, and incorporate the due time deposit funds into the unified adjustment plan to ensure the sustainable implementation of the incentive policies.
Article 7 Open an account. According to the results of the annual assessment of banking financial institutions by the Municipal Finance Bureau, the Municipal Finance Bureau, the Property Maintenance Fund Management Center and the Housing Provident Fund Center cancel the existing accounts that have been opened after the ranking of the three banking financial institutions (unless there are special provisions in the superior policies), and increase the same accounts in turn according to the ranking order of banking financial institutions.
Article 8 Daily revenue and expenditure plan. In the daily revenue and expenditure accounting of government funds, according to the ranking of banking financial institutions in the annual assessment results of the Municipal Finance Bureau, the top banking financial institutions are given the policy support of "receiving more and spending less".
Article 9 announcement. The reward of banking financial institutions shall be publicized by the Municipal Finance Bureau on the designated website. The publicity contents include the new loan quota of encouraged banking financial institutions, the cash quota of government funds, the cash time, the opening and closing of accounts, and the scheduling of daily revenue and expenditure incentive funds.
Article 10 Cohesion. All relevant departments should cooperate closely and take the initiative to do all the work undertaken. All banking financial institutions should actively cooperate with the work of the municipal government, fulfill the responsibility of fund adjustment in accordance with the regulations, and may not refuse or delay the transfer of funds under an excuse.
Article 11 the organization guarantees. The establishment of funds deposited in special classes is led by the Municipal Finance Bureau, and its members include the Municipal Commission for Discipline Inspection, the Municipal Finance Bureau, the Housing and Construction Bureau, the Medical Insurance Bureau, the Property Maintenance Fund Management Center, and the Housing Provident Fund Center. , regularly adjust the funds and study and solve the problems encountered in the implementation of funds to ensure that the incentive policy is in place on time.
Article 12 These Measures shall come into force as of the date of promulgation.
Related Q&A: Is Xinxiang as long as the ID card loan is true? I need money badly to open a shop, but I have no job. Can I get a loan? It is estimated that usurers dare to lend you money ~ ~ ~ ~ ordinary loan companies can't ~ your conditions haven't arrived yet, and the risk is too great ~
Related questions and answers: How much can I borrow to buy a house in Xinxiang? My monthly salary is 4500, and I want to buy an 87-square-meter house with a loan. To tell the truth, it is very difficult to buy a house without financial support at home. If I have a stable job, I may be ok. Otherwise, I will work hard and at least have enough down payment to consider the problem of buying a house with a loan.
First of all, the average house price in Xinxiang is 7000 ~ 8500 yuan per square meter, and the price in some eastern areas is 13000 yuan per square meter. According to the calculation of 8000 yuan per square meter, the total price of 87 square meters is about 700 thousand yuan. If the loan is at least% 30 ~% 40 of the total house price, the down payment of nearly 300 thousand will be saved for about 6 years.
Secondly, without a stable job, banks will not lend money easily. Even if the family helps to pay the down payment and chooses the monthly payment, the following three factors should be considered, and planning should be done before choosing a loan to buy a house.
1. The most realistic question is, how long can you endure without a stable job? For example, if you are unemployed today and have no source of income, how long will it take you to pay off your savings? You can't let your family pay the down payment first and then help pay the monthly house payment. Not to mention how many families can't do this at all, at least you can't take it for granted.
2. Can the salary increase every year? If you don't raise your salary for several years, the repayment pressure will be very great. It is very likely that the house will be repossessed by the bank in the end. Finally, don't even think about asking your parents for help until you give money. You need to know an objective and realistic question, how many families can barely afford a down payment to buy a house. If you can't reach the high income level, don't borrow money to buy a house.
3. Without a fixed job, even if the mortgage comes down, the comprehensive interest will be higher. If you borrow money to buy a house for 30 years, then the interest you pay is definitely greater than the principal, and there can be no accidents in the middle, otherwise the life of borrowing money to buy a house is really hard.
Life may change after marriage.
Without a stable job, it is difficult to guarantee income for 20 to 30 years, and the landlord is not married. How long can the landlord save the wedding fee and bride price? (In Xinxiang Bride Price and Sanjin, there are about 80,000 ~ 654,380+million change fees. This is still a small amount, not counting cars. The cost of the banquet and the gifts received are even, don't think about going through the banquet.
Moreover, after marriage, my wife will definitely be unable to work for a while. At this time, she will rely on her salary of 4500 to support her family. The pressure at this time tells you as someone who has experienced it. If you don't have enough confidence, you will burst into tears.
There are some truths to understand in life.
1. Some things are not prepared in advance, and it is really difficult to have them again. Take the house as an example. Now there is no room and no girl will marry you, but a girl with a room may not necessarily marry you, so the house is not the only one, and the ability to make money is the most important.
2. Life is not easy. If you miss something, don't think about it. The more I think about it, the more angry I get. The more I think about it, the more depressed I get. Look forward, look forward, seize the opportunity of life, and wait until success makes others proud of you and parents proud of you.
Don't compare yourself for what you can't do and what you can't do. Some people blindly compare with each other with a salary of 3,000 to 4,000 yuan, and only he knows how to live in the end.
To sum up, I personally think that the salary in Xinxiang is at least 8 thousand, which will not affect my life. There are three reasons.
1. Mortgage is inseparable from your own income. If the salary is 4,500, there is definitely not much left except for the mortgage and daily expenses, so I think the income of 8,000 is the most suitable. On the one hand, apart from mortgage and daily expenses, there will be% 40 ~% 50 spare money, which may be the only reason to survive in difficult times. On the other hand, the remaining money can be used for short-term emergencies, such as unemployment in a short time.
2. Why 8000 yuan is appropriate has something to do with bank loans. At present, the house price is around 800,000, which is not the salary of 4,500 for a stable job. Banks may not be able to lend normally, because the repayment amount exceeds %50 of your salary, and now the monthly mortgage is basically around 3,000. Even if you can get a loan, the interest is really high.
Excluding the mortgage, the remaining 8,000 yuan is for marriage, regardless of the cost of marriage and family expenses. Just say there is no high income. If there is not much mortgage left, which girl will marry you? After all, life is a lifetime and no one wants to suffer too much.
My personal advice (I don't sell the house)
The new house is really a bit expensive now. You can choose to buy a house in a remote location, or you can buy a second-hand house in a general location. I am from Xinxiang, too. The second-hand house in Xinxiang is not expensive, so it is cheaper to buy one first, so as to improve your ability and then consider changing rooms. After all, no one can eat fat.
And buying second-hand goods has certain advantages. You can move in directly without decoration. If you really don't like it, you can simply renovate it. The surrounding facilities and business circle are mature and stable. The only drawback is that the community may be chaotic, but it can really reduce the pressure on our young people.
Finally, I want to say ...
Xinxiang 4500 salary is not a stable job. Without financial support at home, it is really difficult to buy a house with a loan, because most young people aged 27-30 can't even raise a down payment. If they borrow money to pay the down payment, the repayment pressure will be even greater.
So don't think about the house yet, it's important to improve your ability. Let's all cheer together and work hard for a better life and a better future.