Measures for the administration of special funds for discount loans for small and medium-sized enterprises

Chapter I General Principles

Article 1 In order to standardize the management of special funds for discount loans for small and medium-sized enterprises, give full play to the guiding and amplifying role of financial funds, alleviate the financing difficulties in the current production and operation of small and medium-sized enterprises, and promote the transformation and upgrading of small and medium-sized enterprises, according to the Opinions of the provincial government on Further Increasing Investment and Expanding Domestic Demand to Promote Stable and Rapid Economic Development (Yuefu [2008] No.98) and Opinions on Promoting Stable and Healthy Development of Small and Medium-sized Enterprises (Yuefu [2008]

Article 2 The term "special funds for small and medium-sized enterprise loan interest subsidy" as mentioned in these Measures (hereinafter referred to as special funds) refers to the funds earmarked for small and medium-sized enterprise loan interest subsidy arranged in the rolling plan of special funds for small and medium-sized enterprise development in 2009.

Article 3 The use and management of special funds shall follow the following principles:

(a) according to law, fairness and justice;

(2) Overall arrangement and quota control;

(3) Pay attention to honesty and guard against risks;

(4) Speed up the progress and highlight the key points;

(5) Financial guidance and amplification effect;

(six) earmarking, strengthen supervision.

Fourth Provincial SME Bureau is responsible for the implementation of the project plan, in conjunction with the Provincial Department of Finance to review and issue a special fund plan, supervise and inspect the implementation of the plan, and cooperate with the Provincial Department of Finance to carry out performance evaluation.

The Provincial Department of Finance is responsible for the management of special funds, jointly with the Provincial Small and Medium-sized Enterprises Bureau to review and issue special fund plans, go through the procedures for allocating special funds, supervise and manage the use of special funds, and carry out performance evaluation.

Chapter II Scope and Methods of Support

Fifth special funds are used to give discount to the loans obtained by small and medium-sized enterprises in our province in the banks of our province.

Article 6 The types of discount funds that enterprises apply for loans include the following two types:

(a) general loan financing discount, that is, to give discount support to enterprises that directly obtain bank loans or obtain loans through guarantee institutions.

(2) Discounting loans for technological transformation and innovation of small and medium-sized enterprises, that is, giving priority to bank loans for technological transformation and innovation projects of small and medium-sized enterprises with market, technology and development prospects.

Article 7 Only one loan discount method can be applied for the same bank loan; Bank loans that have been subsidized by special financial funds of other provinces are no longer supported by this special fund.

Article 8 The discount method for new loans shall be implemented according to the following provisions:

(a) for short-term loans within 1 year (inclusive), the discount interest funds will be subsidized to the enterprise in one lump sum in that year. The discount amount is 50% of the loan interest amount calculated according to the national benchmark interest rate for the same period.

(two) for medium and long-term loans within 2 years (inclusive), the discount interest funds will be subsidized to the enterprise in two years from the first year of loan interest. The annual discount subsidy is 40% of the loan interest calculated according to the national benchmark interest rate in the same period of the year.

(three) for medium and long-term loans of more than two years, the discount interest funds will be subsidized to the enterprise in two years from the first year of loan interest. In the first year, 40% of the interest calculated according to the national benchmark interest rate in the same period of the current year will be subsidized, and in the second year, 40% of the interest calculated according to the national benchmark interest rate in the same period of the remaining years will be subsidized.

The maximum amount of subsidy for accumulated loans of the same enterprise shall not exceed 500,000 yuan.

Chapter III Application and Examination of Funds

Article 9 An enterprise applying for loan discount shall meet the following conditions:

(a) registered in the industrial and commercial departments according to law, with independent legal personality;

(two) in line with the national industrial and environmental protection policies, growth-oriented small and medium-sized enterprises with market, technology and development prospects;

(3) Small and medium-sized enterprises that meet the Interim Provisions on the Standards for Small and Medium-sized Enterprises jointly issued by the former State Economic and Trade Commission and other departments (No.[2003] 143);

(4) Having good social reputation, standardized corporate governance structure, sound financial management system, good economic benefits, good accounting credit and tax credit, and being able to repay bank loans on schedule.

Tenth declared quantity according to the following provisions:

The number of enterprises supported by the province's plan is about 1 0,000, specifically: the number of enterprises declared by counties (cities, districts) in the Pearl River Delta region is limited to 10, totaling about 400; The number of enterprises in each county (city, district) in the eastern and northwestern regions is limited to 6, totaling about 450; The number of enterprises in Dongguan and Zhongshan is limited to 20, totaling 40; Enterprises directly under each prefecture-level city (excluding districts) are limited to 5 households, totaling 100 households; The total number of SMEs owned by provincial asset management companies is limited to 10.

Article 11 Reporting procedures:

(a) the local discount plan is listed step by step by the local government, and the county (city) small and medium-sized enterprise management department shall, jointly with the finance department at the same level, summarize and review it and report it to the Provincial Small and Medium-sized Enterprise Bureau and the Provincial Department of Finance; County (city) application materials should also be copied to the local prefecture-level listed SME management departments and financial departments for the record.

(II) The discount plan for small and medium-sized enterprises under the provincial asset management company shall be directly reported to the Provincial Bureau of Small and Medium-sized Enterprises and the Provincial Department of Finance after being audited by the provincial asset management company.

Twelfth when applying for special funds, the application materials shall be provided in accordance with the following provisions:

(a) the county (city) SME Bureau in conjunction with the Finance Bureau at the same level or the provincial asset management company issued a capital plan declaration document and summary table, in which the capital plan summary table must also be stamped with the official seal of the local SME management department and the finance department at the same level or the provincial asset management company.

(two) the valid documents of the loan contract signed by each enterprise and the bank; Provide a guarantee contract through a secured loan.

(3) Other relevant materials that need to be provided.

Article 13 The Provincial Small and Medium-sized Enterprises Bureau and the Provincial Department of Finance shall review the capital plans reported by the listed, county (city) and provincial asset management companies, determine the loan projects and the amount of funds, and issue a special fund support plan. The Provincial Department of Finance issued special funds according to the special fund support plan.

Article 14 The Provincial SME Bureau and the Provincial Department of Finance shall issue special fund plans to the municipal, county (city) and provincial authorities (provincial asset management companies) according to the fund management procedures, and the Provincial Department of Finance shall issue special funds to the municipal, county (city) Finance Bureau and the provincial authorities (provincial asset management companies) according to the fund management procedures.

Fifteenth special fund plan review and release, organized and implemented by the Provincial Small and Medium Enterprises Bureau and the Provincial Department of Finance in batches according to the actual situation and work schedule.

Sixteenth city, county (city) finance department, the provincial asset management company is responsible for timely disbursement of special funds, and shall not be withheld, misappropriated, and urge the relevant units in accordance with the provisions of the special funds for accounting treatment.

Chapter IV Supervision, Management and Performance Evaluation

Seventeenth the establishment of special funds performance evaluation system. The Provincial Department of Finance shall, in conjunction with the relevant departments, organize performance evaluation in accordance with the provisions, accept the supervision of the supervision and auditing departments and the society, and make the management of financial funds more open and transparent.

Eighteenth small and medium-sized enterprise management departments at all levels shall, according to the results of performance evaluation, analyze the causes of problems in the use and management of funds, put forward and implement improvement measures, and effectively improve the efficiency of the use of special funds.

Nineteenth units that have received special fund support should strengthen the management of special funds and consciously accept the supervision and inspection of the financial and auditing departments. Special funds must be earmarked and shall not be used for other purposes.

Article 20 Any act of defrauding, occupying or misappropriating special funds in the use and management of special funds shall be dealt with in accordance with the Regulations on Penalties and Punishment for Financial Violations, and the legal and disciplinary responsibilities of relevant units and their relevant personnel shall be investigated.

Chapter V Supplementary Provisions

Twenty-first approach by the Provincial Department of Finance in conjunction with the provincial SME Bureau is responsible for the interpretation of.

Article 22 These Measures shall be implemented as of the date of promulgation.