信用貸款加盟(深圳市工業(yè)和信息化局 深圳市財(cái)政局關(guān)于印發(fā)《深圳市中小微企業(yè)銀行貸款風(fēng)險(xiǎn)補(bǔ)償資)
信用貸款加盟(深圳市工業(yè)和信息化局 深圳市財(cái)政局關(guān)于印發(fā)《深圳市中小微企業(yè)銀行貸款風(fēng)險(xiǎn)補(bǔ)償資)，36創(chuàng)業(yè)加盟網(wǎng)給大家?guī)碓敿?xì)的介紹，讓更多的人可以參考:信用貸款加盟(深圳市工業(yè)和信息化局 深圳市財(cái)政局關(guān)于印發(fā)《深圳市中小微企業(yè)銀行貸款風(fēng)險(xiǎn)補(bǔ)償資)。
（六）對(duì)于確實(shí)無法收回的不良貸款，管理機(jī)構(gòu)應(yīng)在收到加盟銀行的驗(yàn)證批準(zhǔn)文件后的10天內(nèi)完成審核，并提供有關(guān)審核結(jié)果的反饋。應(yīng)定期檢查加盟銀行的不良貸款總結(jié)貸款補(bǔ)償核查情況，并每半年向主管部門報(bào)告此類不良貸款的信息。
第21條加盟銀行在2020年1月1日至本規(guī)則實(shí)施之前發(fā)生的共同借款人，個(gè)體工商戶和小型微型企業(yè)所有者的不良貸款，應(yīng)按照《步驟如下：
（一） 加盟在執(zhí)行這些規(guī)則后的30天內(nèi)，銀行將按照規(guī)則的規(guī)定，用剩余余額補(bǔ)充貸款項(xiàng)目的主要數(shù)據(jù)，并將其添加到“貸款項(xiàng)目數(shù)據(jù)庫”中，并于2020年向高新投資集團(tuán)提出申請(qǐng)。新的不良貸款項(xiàng)目將于當(dāng)月1月1日后抄錄到“不良貸款項(xiàng)目庫”中，并應(yīng)及時(shí)提出賠償申請(qǐng)（應(yīng)當(dāng)從上述標(biāo)準(zhǔn)中扣除相應(yīng)的賠償額。）中國(guó)人民銀行信用報(bào)告中心在“不良貸款項(xiàng)目庫”的前五天內(nèi)發(fā)布“信用報(bào)告”。
（二）高新投資集團(tuán)將在收到完整的申請(qǐng)材料后30天內(nèi)完成審查，并將審查結(jié)果通知加盟銀行，加盟銀行可以申請(qǐng)對(duì)查看結(jié)果。
（三）通過審查的風(fēng)險(xiǎn)補(bǔ)償項(xiàng)目將由市工業(yè)和信息化局在線公布，后續(xù)工作將按照第十九條和第二十條的程序進(jìn)行
第5章預(yù)算管理
第二十二條風(fēng)險(xiǎn)補(bǔ)償基金預(yù)算由市工業(yè)和信息化局提出，并納入市財(cái)政局部門預(yù)算管理，并與部門一般公共預(yù)算同時(shí)編制：
（一）市工業(yè)和信息化局應(yīng)在將下一年的單位預(yù)算計(jì)劃首先報(bào)告給財(cái)務(wù)部門的兩周前，提出下一年的風(fēng)險(xiǎn)補(bǔ)償基金的規(guī)模，并向財(cái)務(wù)部門報(bào)告。由市財(cái)政局審核并在下一年的預(yù)算中列出。
（二）市財(cái)政局根據(jù)預(yù)算管理要求進(jìn)行審查，并將專項(xiàng)資金預(yù)算與部門的一般公共預(yù)算一起提交市政府批準(zhǔn)，并經(jīng)市人大批準(zhǔn)，將專項(xiàng)資金預(yù)算分配協(xié)議委托給資金管理機(jī)構(gòu)，預(yù)算由管理機(jī)構(gòu)執(zhí)行。
第23條信用貸款加盟，在以下情況下可以進(jìn)行預(yù)算調(diào)整：
（一）年內(nèi)有重大支出項(xiàng)目超出計(jì)劃。根據(jù)規(guī)定，市工業(yè)和信息化局提出增加預(yù)算要求。市財(cái)政局審查并向市政府報(bào)告進(jìn)行審批，然后按照預(yù)算調(diào)整程序進(jìn)行操作。
（二）市政府指定的其他情況。
第六章監(jiān)督與管理
第24條設(shè)置了以下3個(gè)指標(biāo)來評(píng)估每個(gè)加盟銀行的年度績(jī)效：
（一）該年在貸款項(xiàng)目庫中收到的貸款總額。
（二）當(dāng)年“貸款項(xiàng)目庫”中的小型和微型企業(yè)家人數(shù)。
（三）中小企業(yè)貸款總額本年度的同比增長(zhǎng)率（以下簡(jiǎn)稱同比增長(zhǎng)率），即本文第一項(xiàng)中的貸款總額相對(duì)于上一年的貸款總額的增加。該指標(biāo)來自資金池，計(jì)算將在啟動(dòng)的第二年開始。
第25條加盟家銀行的年度績(jī)效評(píng)估分為四個(gè)級(jí)別：“優(yōu)秀”，“好”，“合格”和“不合格”。
加盟符合以下條件的銀行的年度表現(xiàn)將被評(píng)為“優(yōu)秀”：
（一）從高到低排名，“貸款項(xiàng)目庫”中的貸款總額排名前60％（包括數(shù)量），或者數(shù)據(jù)庫中的小型和微型企業(yè)家數(shù)量排名前60％前60％（包括數(shù)字）。
（二）從高到低排名，該年的同比增長(zhǎng)率排名前15％（包括該數(shù)字）。
（三）不違反這些規(guī)則。
加盟 The bank complies with the provisions of item一、, paragraph 2 of this article, and the year-on-year growth rate of the year is ranked in the top 15% (excluding the number) to 30% (including the number), and the annual performance evaluation is "good ".
加盟 If one of the following situations occurs in the bank, the annual performance evaluation is "unqualified":
(一）The total amount of loans received by the "Loan Project Library" and the number of small and micro entrepreneurs in the library that year both declined year-on-year (except for the decline in all 加盟 banks).
(二） violated these rules.
If the 加盟 bank does not fall under the circumstances specified in the above paragraphs 二、三、, the annual performance evaluation is "qualified".
Article 26 加盟 If a bank is assessed as unqualified for 2 consecutive years, it shall be disqualified for 加盟 and can only apply for 加盟 again after 2 years.
Article 27 加盟 Banks shall, in accordance with the provisions of these rules, provide performance evaluation instructions for their services to small, medium and micro enterprises in the previous year before the end of February each year, and report to Gaoxin Investment Group for re-evaluation and ranking, re-evaluation and The ranking results are reported to the competent authority for the record.
Article 28. The Municipal Bureau of Industry and Information Technology shall improve the supervision mechanism, carry out daily supervision and inspection of the implementation of funded projects and the use of funds, and cooperate with the Municipal Finance Bureau to carry out supervision and inspection from time to time. Entrust an intermediary agency to conduct an audit. For projects reviewed by third-party intermediary agencies, inspections, random inspections, and post-event evaluations are adopted to inspect and supervise the quality of work. If a third-party intermediary agency makes an audit error due to its own reasons, the Municipal Bureau of Industry and Information Technology shall pursue its corresponding responsibility in accordance with relevant regulations.
Article 29 The Municipal Bureau of Industry and Information Technology shall conduct a performance evaluation on the overall use of funds and copy the results to the Municipal Finance Bureau; the evaluation results will be used as the project unit to declare the project qualification review, arrange the annual budget and 加盟 bank An important basis for the qualification review of the declared project.
The Municipal Finance Bureau organizes and implements key evaluations as needed.
Article 30 is for 加盟 banks to declare multiple municipal financial funds for the same project, fail to accurately classify loan risks in accordance with relevant regulations or provide false materials, and fraudulently claim, withhold, embezzle, or squeeze funding funds, etc. For disciplinary actions, the competent authority shall order corrections and recover all compensation funds, depending on the severity of the circumstances to decide whether to cancel their 加盟 banking qualifications, and those who violate relevant laws and regulations shall be held accountable in accordance with the regulations. Those suspected of committing crimes shall be transferred to judicial organs for handling in accordance with the law.
For units that have violated the above-mentioned regulations, the Municipal Bureau of Industry and Information Technology shall report the handling results to the competent department of the industry.
Article 31 The Municipal Bureau of Industry and Information Technology shall supervise the review, evaluation and audit of third-party intermediary agencies. Where intermediary agencies engage in fraud, conceal facts, or collude with compensation fund applicants to cheat and issue relevant reports, they shall be disqualified from reviewing, evaluating and auditing the project and funds, and shall be subject to relevant national, provincial, and municipal regulations on joint punishment for untrustworthiness Deal with it and pursue legal liabilities according to law; if a crime is suspected, it shall be transferred to judicial organs for handling according to law.
Article 32 As of the date of declaration 加盟 If banks have committed major administrative penalties due to misappropriation of loan funds from small and micro enterprises to non-production operations, or major cases due to internal management issues, they shall not be listed within 1 year. Into the funding plan.
Article 33. In the process of fund operation and management, if the management agency has falsified, concealed the truth, colluded with 加盟 banks or borrowing companies, etc., once verified, the management qualification shall be cancelled and the municipal enterprise credit shall be notified The information center also punishes relevant units and responsible persons in accordance with relevant laws, regulations, and rules. Anyone who causes a loss of compensation funds shall be investigated for legal responsibility according to law. Those suspected of crimes shall be transferred to judicial organs for handling in accordance with the law.
Article 34 The Municipal Bureau of Industry and Information Technology, the Municipal Finance Bureau and other departments shall supervise and inspect the execution, use, and management of the fund pool budget according to their respective duties.
Administrative agencies, management agencies and their staff who fail to perform their duties or perform their duties incorrectly in the management of special compensation funds shall be investigated for administrative responsibility in accordance with the law. Those suspected of crimes shall be transferred to judicial organs for handling in accordance with the law.
第七章補(bǔ)充條款
Article 35 The Municipal Bureau of Industry and Information Technology and the Municipal Finance Bureau are responsible for the interpretation of these rules.
Article 36 These rules shall be implemented on March 1, 2020, and shall be valid for 3 years. The "Shenzhen Small, Medium and Micro Enterprise Bank Loan Risk Compensation Fund Pool Management Implementation Rules (for Trial Implementation)" (Shen Gong Xin Gui [2020] No. 1) shall be repealed at the same time.
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