首批10家企业获批无抵押贷款

The first 10 enterprises approved unsecured loan

　　本报讯 （记者潘慕英、廖银洁 通讯员谢美姿）三水区政府日前举行企业投融资、科技创新、产业链招商对接服务日，现场签约企业投融资、科技创新、产业链对接三个板块近50个项目。

Report from our correspondent (Reporter PanMuYing/LiaoYinJie correspondent XieMeiZi)Sanshui district held a enterprise investment and financing/Science and technology innovation/Industrial chain merchants butt service day,The signing enterprise investment and financing/Science and technology innovation/Industrial chain butt three plate nearly 50 project.

　　值得注意的是， 三水区近期首创“保险贷”政策，中小微企业无需抵押，由政府和保险公司做担保向银行贷款，一个企业最高可贷款300万元。该政策推出当天，就有10家企业与银行签订了“保险贷”贷款合同或意向书。

It is important to note that, Sanshui recent initiative"Insurance credit"policy,Small and medium-sized micro enterprise need not mortgage,By government and insurance companies do guarantee loans to Banks,An enterprise can loan highest 3 million yuan.The policy launch day,Have 10 enterprises and bank signed"Insurance credit"Loan contract or letter of intent.

　　据三水区经促局相关负责人介绍，三水区企业当前面临的突出问题和困难中，超过70%的企业存在融资难，约45%的企业反映用地指标不足，65%的企业表示存在用工缺口，超过80%的企业感到产品销售困难或者难度增大，同时还有60%的企业认为园区配套设施不完善给企业发展带来了较大影响。三水区区长陈英文表示，“全区各部门一定要将服务企业作为义不容辞的责任。”

According to the bureau of sanshui district promote relevant controller introduces,Sanshui enterprise facing the current problems and difficulties,More than 70% of the enterprise existing financing difficult,About 45% of the enterprise reflects the lack of land index,65% of the enterprise existing said recruitment gap,More than 80% of the enterprise feel product sales difficult or increased the difficulty,At the same time, there are 60% of the enterprise think park facilities not perfect to enterprise development has brought great influence on.Sanshui district ChenYingWen said,"The various departments must will service enterprises as obligatory responsibility."

　　所谓“保险贷”，即由三水区政府财政专项资金给予补助，以银行贷款投入为基础，以保险公司的保证保险作为保证，向本区中小微企业提供资金支持的合作贷款项目。三水区财政还设立了“保险贷”补助专项资金，每年保持总额1000万元。根据该政策，“保险贷”单个企业贷款余额一般不超过300万元，每笔贷款业务期限不超过2年。具体利率由合作银行与借款企业商定，但最高不得超过中国人民银行公布的同期同档系贷款基准利率上浮30%的水平。三水区“保险贷”专项资金按照贷款利息的10%进行贴息。基金担保贷款损失风险由基金、合作担保机构、合作银行三方共同承担，其中30%由基金承担，其余的70%由合作担保机构以及合作银行共同承担。“保险贷”的办理环节比较繁复，银行确定贷款给“保险贷”企业后，还必须通过政府的同意，再送给保险公司买保险。

The so-called"Insurance credit",Namely the sanshui district finance special funds to aid,To bank loans into as the foundation,To insurance company guarantee insurance as a guarantee,To the small and medium-sized micro enterprise funding support cooperation loan programs.Sanshui district finance also set up"Insurance credit"Subsidies special funds,Keep the total 10 million yuan each year.According to the policy,"Insurance credit"A single enterprise loan balance does not exceed 3 million yuan commonly,Every loan business term is not more than 2 years.Specific interest rate from cooperative bank and borrowing enterprise agreed,But the highest may not exceed the people's bank of China announced the same period of the grade is the benchmark lending rate rise 30% level.sanshui"Insurance credit"Special funds in accordance with the loan interest rate for 10% of earnings.Funds guarantee loan loss risk by the fund/Cooperation guarantee agencies/Cooperative bank three party assumed jointly,30% of them by fund bear,The rest of the 70% guarantee agencies by cooperation and cooperative bank jointly."Insurance credit"For link compares heavy and complicated,Bank loan to determine"Insurance credit"After the enterprise,Must also through the government approval,Before sending it to the insurance company to buy insurance.

　　据悉，只要在三水区工商部门注册，无不良信贷记录，且成立时间一年以上，上年度纳税总额不低于10万元的中小微企业都可以申请“保险贷”。

It is reported,As long as the ministry of commerce in sanshui registered,No bad credit records,And time of founding a year of above,Last year's tax amount not less than 100000 yuan of small and medium-sized micro enterprise can apply for"Insurance credit".

　　中华民营企业联合会会长保育钧在专题演讲中说：“政府推出"保险贷"是一个创新，有了政府财政担保，可以帮助没有多少抵押资产的中小微企业解决融资问题。”

The Chinese private enterprise association President in the projects BaoYuJun speech said:"The government launched"Insurance credit"Is a innovation,With the government financial security,Can help not many mortgage assets of small and medium-sized micro enterprise to solve the financing problem."