本报讯 （记者 廖雪梅 实习生 文新渝）记者8月13日从市财政局了解到，为拓宽小微企业、农村种养大户和城乡创业者的融资渠道，市财政每年将安排2000万元专项资金，用于小额贷款保证保险风险补偿。有了这笔专项资金，不需提供抵押或反担保，我市小型企业最高可贷300万元。

Report from our correspondent （Reporter LiaoXueMei interns wen xin yu）On August 13, reporter from finance bureau to understand，To widen up small micro enterprises、The rural and urban and rural entrepreneurs planting large financing channel，The municipal finance every year will arrange 20 million yuan special funds，Used for small loans guarantee insurance risk compensation。With the special funds，Do not need to provide mortgage or counter guarantee，The small enterprise highest can borrow 3 million yuan。

　　按照今年出台的《小额贷款保证保险风险补偿暂行办法》，从7月1日起，我市行政区域内经营期一年以上的小型微型企业、农村种养大户、城乡创业者等，可成为小额贷款保证保险支持的贷款对象。试点初期，主要针对小微企业开展业务。

According to law of this year《Small loans guarantee insurance risk compensation interim measures》，From July 1,,，Zhuhai administrative area of more than one year period small miniature enterprise、Planting large rural、Urban and rural entrepreneurs, etc，Can become a small loan guarantee insurance support loan object。Early pilot，Mainly for small micro enterprises to develop business。

　　该《暂行办法》明确了限制贷款金额。小型企业单户贷款累计不超过300万元，微型企业、城乡创业者和农村种养大户单户累计不超过50万元。单笔贷款期限最长不超过一年。

the《Interim measures》Clear the limit the loan amount。Small business loans and cumulative single no more than 3 million yuan，Miniature enterprise、Urban and rural entrepreneurs and the large single door led accumulated not more than 500000 yuan。Single loan time limit the longest do not exceed one year。

　　为防出现系统性大规模风险，当小额贷款保证保险对应贷款逾期率超过10%，或保证保险年赔付率（年赔付总额/年保费总收入）超过130%时，保险公司要暂停签发保证保险保单，银行暂停发放新的贷款。保险公司在年赔付率达到130%后停止赔付后续发生的贷款损失，由专项资金按80%给予风险补偿，其余20%由保险公司和银行按3:7承担。

To prevent make systematic risk mass，When small loans guarantee insurance corresponding loans YuQiLv more than 10%，Or guarantee insurance through years（Years total pay insurance cost/revenue）More than 130%，The insurance company will have to stop issuing guarantee insurance policy，Bank suspension new loans。The insurance company in the years after the 130% pay through stop follow-up happen loan losses，According to the special funds to 80% risk compensation，The remaining 20% by insurance companies and then take the bank。

　　为最大限度减少贷款损失，《暂行办法》规定，银行和保险公司对小额贷款保证保险贷款须建立呆坏账核销和追偿制度，有效追偿期限不少于一年。对追回已核销的呆账金额扣除追讨费用后按比例缴还市财政。

To minimize loan losses，《Interim measures》provisions，Banks and insurance companies to small loans guarantee insurance loan shall establish the rot cancel after verification and recovery system，Effective recovery period of not less than one year。To recover the amount deducted cancel after verification has been occurring after costs in proportion to their pay also city finance。