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Opinions on strengthening the construction of credit guarantee system for small and medium-sized enterprises

document of the Ministry of industry and information technology

MIIT enterprise [2010] No. 225

opinions on strengthening the construction of credit guarantee system for small and medium-sized enterprises

provinces, autonomous regions, municipalities directly under the central government and cities specifically designated in the state plan Department in charge of small and medium-sized enterprises of Xinjiang production and Construction Corps:

in accordance with the requirements for improving the construction of credit guarantee system for small and medium-sized enterprises in the opinions of the State Council on further promoting the development of small and medium-sized enterprises (GF [2009] No. 36, hereinafter referred to as "GF No. 36 document"), In combination with the notice of the general office of the State Council on opinions on strengthening the construction of credit guarantee system for small and medium-sized enterprises (GBF [2006] No. 90, hereinafter referred to as "GBF No. 90 document") and the Interim Measures for the administration of financing guarantee companies issued by seven departments including the CBRC, in order to further reduce VOC in the process of processing, further promote the healthy development of credit guarantee institutions for small and medium-sized enterprises, effectively alleviate the financing difficulties of small and medium-sized enterprises, and promote the sound and rapid development of small and medium-sized enterprises, The following opinions are put forward on strengthening the construction of credit guarantee system for small and medium-sized enterprises

I. attach great importance to and effectively strengthen the construction of credit guarantee system for small and medium-sized enterprises

the management departments of small and medium-sized enterprises at all levels should deeply understand the spirit of Document No. 36 issued by the State Council, take the construction of credit guarantee system for small and medium-sized enterprises as an important task in promoting the development of small and medium-sized enterprises in the region, and take practical and effective measures, Support and guide credit guarantee (re guarantee) institutions for small and medium-sized enterprises to play a greater role in promoting the development of small and medium-sized enterprises and local economy

II. Orderly promote the credit re guarantee of small and medium-sized enterprises

the management departments of small and medium-sized enterprises at all levels should, in accordance with the requirements of GF No. 36 and GBF No. 90, take the form of joint formation of central and local financial contributions and social capital, focus on promoting the establishment and development of provincial credit re guarantee institutions (re guarantee funds) for small and medium-sized enterprises, and actively improve the construction of multi-level guarantee system. All localities can explore and improve the basic mode, guarantee and re guarantee operation mechanism and sustainable development policies of re guarantee institutions in combination with their own reality. In accordance with the principles of combining government investment with private investment, policy support with market-oriented operation, and promoting development with risk prevention, we should establish small and medium-sized enterprise credit re guarantee institutions or re guarantee funds that are mainly funded by the government, have large scale, high credit rating and strong guarantee ability, and provide various small and medium-sized enterprise credit guarantee institutions with services such as credit enhancement, risk dispersion, capacity improvement and industry integration. Continuously improve and innovate the concept, products and management of re guarantee, improve the informatization level, expand and improve the scale and quality of guarantee business for small and medium-sized enterprises in the region, and better serve the development of small and medium-sized enterprises

III. give full play to the guiding role of special funds for credit guarantee of small and medium-sized enterprises

all localities should actively strive to arrange special funds for the construction of credit guarantee system of small and medium-sized enterprises in the financial budget at the same level, and improve the guarantee ability of credit guarantee (re guarantee) institutions for small and medium-sized enterprises by means of capital investment, business subsidies, premium subsidies, risk compensation, innovation incentives, etc. We should work with the financial department to study and formulate special guarantee fund management measures, make clear provisions on the management, use, application procedures, evaluation and supervision of funds, give full play to the support and guidance function of public finance, and support various guarantee institutions to provide more guarantee services for small and medium-sized enterprises

IV. continue to implement the preferential tax policies for credit guarantee (re guarantee) institutions for small and medium-sized enterprises

the management departments of small and medium-sized enterprises at all levels should actively coordinate and cooperate with the tax authorities, and in accordance with the requirements for exemption from three-year business tax on the guaranteed income of credit guarantee institutions for small and medium-sized enterprises in the notice of the Ministry of industry and information technology and the State Administration of Taxation on issues related to the exemption from business tax by credit guarantee institutions for small and medium-sized enterprises (gxblzy [2009] No. 114), Do a good job in the preliminary review, publicity, recommendation and supervision of the business tax exemption of guarantee institutions. While granting business tax relief to guarantee institutions, it can not fully meet the actual needs. It is necessary to understand the business operation of guarantee institutions, realize dynamic supervision, and timely report the list of guarantee institutions that do not meet the tax exemption conditions, so as to give full play to the guiding function of tax policies. It is necessary to communicate and coordinate with the financial and tax departments in a timely manner, and continue to implement the pre tax deduction policies for the withdrawal of various reserves and compensatory losses of credit guarantee institutions for small and medium-sized enterprises

v. providing high-quality services for small and medium-sized enterprise credit guarantee institutions to carry out mortgage registration and pledge registration

small and medium-sized enterprise management departments at all levels should actively cooperate with local departments of land and resources, housing and urban rural development, finance, industry and commerce, etc. to provide high-quality services for small and medium-sized enterprise credit guarantee institutions to carry out mortgage and pledge registration, right confirmation, transfer, etc. in accordance with the requirements of Guo Ban Fa No. 90 document. Where conditions permit, relevant implementation rules shall be issued jointly with the mortgage and pledge registration department to simplify the procedures for the guarantee institutions to handle the mortgage and pledge registration of the real estate and movable property of the insured enterprises, reduce costs, provide convenience, and create a good government environment

VI. promoting equal and mutually beneficial cooperation between guarantee institutions and financial institutions

the management departments of small and medium-sized enterprises at all levels should actively coordinate with the people's Bank of China, the banking regulatory and other departments, guide and promote guarantee institutions and cooperative banks to change their business ideas, innovate cooperation methods and expand cooperation fields. In accordance with the principle of marketization and based on the risk prevention and control ability of both parties, we should reasonably determine the guarantee magnification and charging range, gradually establish the mechanisms of "risk sharing", "benefit sharing" and "information sharing" between cooperative banks and guarantee institutions, work together to prevent and resolve credit and guarantee risks, and jointly promote the sustainable development of cooperative banks and guarantee institutions

VII. Guide SME credit guarantee institutions to increase product and service innovation

SME management departments at all levels should encourage and support SME credit guarantee institutions to actively develop innovative guarantee products and services according to the actual needs of local SMEs. In addition to continuing to carry out loan guarantee business, we should also actively carry out non financing guarantee business such as performance guarantee, and explore and practice new guarantee products and services for small and medium-sized enterprises, such as small and medium-sized enterprise collective bonds, small and medium-sized enterprise collective trust, small and medium-sized enterprise short-term financing bills and small and medium-sized enterprise bills. At the same time, we should guide the credit guarantee institutions of small and medium-sized enterprises to lower the conditions and thresholds in defining the service objects, determining the guarantee items, and setting up counter guarantee measures, simplify the approval procedures, expand the scope of business, and strive to improve the capacity and scale of credit guarantee. In view of the financing characteristics of small and medium-sized enterprises, especially small enterprises, and on the premise of controllable risks, we should gradually realize the standardization and proceduralization of guarantee business

VIII. Strengthen the supervision and management of credit guarantee institutions for small and medium-sized enterprises

the management departments of small and medium-sized enterprises at all levels should study and formulate the development plan of credit guarantee institutions for small and medium-sized enterprises in the region, so as to clarify the market positioning and development direction in areas with sufficient natural gas, and promote the establishment of a credit guarantee system for small and medium-sized enterprises with complete functions, reasonable layout, standardized operation, moderate competition and orderly development. In accordance with the Interim Measures for the administration of financing guarantee companies issued by seven departments, we should strengthen the standardization and management of credit guarantee companies for small and medium-sized enterprises in the region, especially cooperate with relevant departments to investigate and deal with illegal acts that damage the reputation of the guarantee industry, such as evading capital or illegally operating financial business, under the name of "guarantee", and integrate and purify small and medium-sized enterprises. 5. Load accuracy: ± 0.5% of the industry guarantee market to promote its orderly and healthy development

the management departments of small and medium-sized enterprises at all levels shall, in accordance with the requirements of the Guo Fa No. 36 document and the Guo Ban Fa No. 90 document, effectively undertake the responsibility of promoting the construction of the credit guarantee system of small and medium-sized enterprises, and implement the filing management of the credit guarantee institutions of small and medium-sized enterprises in accordance with the requirements of the Guo Ban Fa No. 90 document, so as to comprehensively grasp the operation status of the credit guarantee institutions of small and medium-sized enterprises, timely track and guide them, and urge the credit guarantee institutions of small and medium-sized enterprises within, We will improve our operational level and risk prevention and control capabilities, and expand the coverage and service capacity of guarantee business for small and medium-sized enterprises. Timely carry out information consultation, experience exchange, business training, statistical monitoring, etc., organize performance evaluation, rights and interests protection, industry self-discipline and foreign exchange, and promote the sustainable and healthy development of small and medium-sized enterprise credit guarantee institutions

all localities should pay close attention to formulating specific measures to promote and improve the construction of credit guarantee system for small and medium-sized enterprises. The outstanding problems in the implementation of GF No. 36 document on the construction of credit guarantee system for small and medium-sized enterprises should be promptly studied, solved and reported

May 12, 2010

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