陈银华 姜凤珠

ChenYinHua JiangFengZhu

　　近日，浙江正利时环保材料有限公司通过在海宁农信联社股权进行反担保质押，轻松贷款400万元，为融资又添新渠道。该公司是省农信联社嘉兴办事处在海宁农信联社试点首创“农信社股权反担保质押贷款”后的受益者之一。

recently,Zhejiang is when the environmental protection material co., LTD. Through its association in haining equity for counter guarantee pledge,Easy loans 4 million yuan,As a financing and add new channels.The company is its province association jiaxing office in haining its association pilot initiative"The cooperatives equity counter guarantee pledge loan"One of the beneficiaries.

　　所谓“农信社股权反担保质押”，是指借款人向嘉兴农信机构申请融资，并由担保人为其提供保证、抵押或质押，担保人承担连带责任时，借款人或第三人以其所持有并拥有处分权的当地农信机构股权出质给担保人作为反担保物，并向当地工商局办理出质登记手续。今年5月，海宁市许村镇一家企业因无力还贷由担保人为其代偿100万元贷款。因该企业已将股权出质给担保人，经海宁农信联社理事会同意股权转让后，担保人顺利取得了相应股权的所有权，从而大大降低了担保人的代偿损失。

The so-called"The cooperatives equity counter guarantee pledge",Refers to the borrower to jiaxing its institution for financing,And the guarantee to provide guarantee for its/Mortgage or pledge,The guarantor shall be jointly and severally liable,The borrower or the third party with the right of disposition and has held the local its institution equity pledged to guarantor as security against,And to the local administration for industry and commerce pledged to register formalities.In may this year,Haining XuCunZhen a enterprise for over-indebted by assure the compensated for $1 million loan.Because of this enterprise has the right to a quality guarantor,The haining its association council agreed to after the equity transfer,Guarantor smooth made corresponding equity ownership,Thus greatly reduces the guarantor of the compensatory loss.

　　值得一提的是，“农信社股权反担保质押贷款”的推出，得到了工商部门的大力支持配合，工商部门从支持中小微企业发展出发，同意以股权反担保质押的形式在工商部门办理股权出质登记，推动形成了“农信机构敢借、小微企业易借、担保人愿保”的良好局面。截至7月末，嘉兴市农信机构已办理该项贷款68笔，提供融资3.2亿元。

Be worth what carry is,"The cooperatives equity counter guarantee pledge loan"launch,Get the support of the ministry of commerce and cooperate,From the support of the ministry of commerce and small and medium-sized micro enterprise based on development,Agree with equity counter guarantee pledge of the ministry of commerce in the form of equity for the pledge registration,Promote formed"Its mechanism can borrow/Small micro enterprise easy to borrow/Guarantee guaranteed work"Good situation of the.By the late July,Jiaxing its agencies already dealt with the loan 68 pen,To provide financing is 320 million yuan.

　　据悉，“农信社股权反担保质押贷款”在全国率先迈出了农信社股权反担保出质的第一步，为中小微企业打开了一条融资担保新渠道，不仅可帮助众多中小微企业盘活存量资本，缓解融资困境，同时也可有效防范担保人连带担保责任风险，实现借款人、担保人和农信机构的共赢。8月13日，省领导对该融资创新做法作出批示，加以肯定。

It is reported,"The cooperatives equity counter guarantee pledge loan"The lead in made the cooperatives equity counter guarantee the quality of the first step,For small and medium-sized micro enterprise opened a financing guarantee new channels,Not only can help many small and medium-sized micro enterprise revitalize the stock of capital,Alleviate the financing difficulties,At the same time also can effectively prevent the guarantor joint guarantee liability risk,Realize the borrower/The guarantor and its mechanism on the basis of mutual benefit.On August 13,,Provincial leadership to the financing innovation practice make instructions,Be sure.