环球体育

福建省人民政府办公厅转发省金融监管局等六部门环球体育进一步深化银担合作若干措施的通知
发布日期:2021-12-23 浏览量:2126

geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengrenminzhengfugebumen、gezhishujigou,gedaqiye,gegaodengyuanxiao,youguanjinrongjigou:

shengjinrongjianguanju、shengcaizhengting、shengguoziwei、shengrensheting、renminyinxingfuzhouzhongxinzhixing、fujianyinbaojianjuzhidingde《huanqiutiyujinyibushenhuayindanhezuoderuogancuoshi》yijingshengzhengfuyanjiutongyi,xianzhuanfajinimen,qingrenzhenzuzhishishi。

 

 

fujianshengrenminzhengfubangongting

2020nian12yue13ri

 

 

环球体育进一步深化银担合作的若干措施省金融监管局 省财政厅 省国资委 省人社厅人民银行福州中心支行 福建银保监局

 

weichongfenfahuizhengfuxingrongzidanbaojigoudezhengcexinggongneng,pojiezhengfuxingrongzidanbaojigouyewujujiaobugou、danbaonenglibuqiang、yindanhezuobuchangdengwenti,buduantishengyindanhezuoguimojixiaolv,yindaogengduojinrongziyuanzhichixiaoweiqiyehe“sannong”fazhan,xianzhidingruxiacuoshi:

一、工作原则及主要目标

(yi)gongzuoyuanze

jujiaozhixiaozhinongzhuye。zhengfuxingrongzidanbao(zaidanbao)jigouyangeyixiaoweiqiyehe“sannong”rongzidanbaoyewuweizhuye,buduantigaozhixiaozhinongyewuguimohezhanbi,budepianlizhuyemangmukuodayewufanwei。

jianchibaobenweiliyunxing。zhengfuxingrongzidanbao(zaidanbao)jigoubuyiyingliweimude,zaikechixujingyingdeqiantixia,baochijiaodifeilvshuiping,qieshiyouxiaojiangdixiaoweiqiyehe“sannong”zhutidezongherongzichengben。

luoshifengxianfendanbuchang。goujianzhengfuxingrongzidanbao(zaidanbao)jigouheyinxingyejinrongjigougongtongcanyu、helifenxiandeyindanhezuojizhi,youhuazhengfuzhichi、zhengxiangjilidezijinbuchonghefengxianbuchangjizhi。

ningjudanbaojigouheli。gejizhengfuxingrongzidanbao(zaidanbao)jigouyaoqianghuazerendandang,jiaqiangyewuhezuoheziyuangongxiang,buduanzengqiangzibenshiliheyewutuozhannengli。

(er)zhuyaomubiao

lizhengzhi“shisiwu”mo,woshengzhengfuxingrongzidanbaojigourongzidanbaofangdabeishudadao4bei,xiaoweiqiyehe“sannong”yewudanbaofeilvjiangzhi1%yixia。

二、夯实政府性融资担保机构发展基础

(yi)wanshandanbaotixijianshe。gulishequshiji(hanpingtanzongheshiyanqu)zhengfuxingrongzidanbaojigoufahuiquyu“longtou”zuoyong,daidongxianeixianjizhengfuxingrongzidanbaojigoukaizhanyewu,zhubushixianxianyuyindanhezuoyewuquanfugai。gdpzongliangdadaohuochaoguo300yiyuan,danshangweishelizhengfuxingrongzidanbaojigoudexian(shi、qu),yingjinkuaixinshe1jiazhucezibenjin2yiyuanyishangdezhengfuxingrongzidanbaojigouhuochuzi2yiyuancanguqitazhengfuxingrongzidanbaojigou,fuwubenquyuqiye。〔zerendanwei:geshi、xian(qu)renminzhengfu、pingtanzongheshiyanquguanweihui,shengjinrongjianguanju、caizhengting〕

(er)jianlizibenbuchongjizhi。gejirenminzhengfuyingduoqudaojianlihewanshanbenjizhengfuxingrongzidanbao(zaidanbao)jigouzibenjinchixubuchongjizhi,zhichizhengfuxingrongzidanbao(zaidanbao)jigouzuodazuoqiang。zhengfuxingrongzidanbao(zaidanbao)jigoujingzichandiyuzhucezibende90%shi,gediyingyucinian6yuediqianwanchengzibenjinbuchonggongzuo。gejidifangjinrongjianguanbumenyingyifajiaqiangduizhengfuxingrongzidanbao(zaidanbao)jigouzhucezibenchongzulvdejiandujiancha。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengjinrongjianguanju、guoziwei、caizhengting〕

(san)shelizhuanxiangfazhanzijin。shelihechongshirongzidanbaofazhanzhuanxiangzijin,zhongdianyongyuzhengfuxingrongzidanbao(zaidanbao)jigouzibenjinbuchong、yewufengxianbuchang、jiangfeijiangbu、daichangbuchang、zaidanbaobaofeibutiedengfangmian。genjuzhengfuxingrongzidanbao(zaidanbao)jigouyewuguimo、daichanghejixiaopingjiaqingkuang,shishikuodazhuanxiangzijinguimo。zhuanxiangzijindefenpeiheshiyong,yugedizhengfuxingrongzidanbao(zaidanbao)jigouyewuguimo、daichanghejixiaopingjiaqingkuangguagou,shixingzhengxiangjiliyindao。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengcaizhengting、jinrongjianguanju〕

(si)jiaqiangjigounenglijianshe。zhengfuxingrongzidanbao(zaidanbao)jigouyingdanganzhaozhengceyindao、zhuanyeguanli、shichanghuayunzuodeyuanze,jiaqiangzishennenglijianshe,tuidongjianli“nengdan、yuandan、gandan”degongzuojizhi。jianlijianquanneibukongzhizhidu,jiaqiangfengxianguanlitixijianshe,shixianzhuanyehua、jingxihuaguanli,tigaodanbaonengli。jijiyunyongdashujudengxiandaixinxijishushouduan,chuangxindanbaochanpin,tishengfuwuzhilianghexiaolv,zhudongxiachenfuwu,shenrufajuekehu。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengjinrongjianguanju〕

(wu)jiakuaibuliangzichanchuzhi。fahuidifangzichanguanligongsihedifangjinrongzichanleijiaoyichangsuozuoyong,jiakuaizhengfuxingrongzidanbao(zaidanbao)jigoubuliangzichanchuzhi,yifayiguichuzhizichan,shixianzijinkuaisuhuilong。zhengfuxingrongzidanbao(zaidanbao)jigoucanzhaocaizhengbu《jinrongqiyedaizhanghexiaoguanlibanfa(2017nianban)》(caijin〔2017〕90hao),hexiaodaichangsunshi。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengcaizhengting、jinrongjianguanju〕

三、加强银担业务合作

(yi)tigaohezuoxiaolv。tuidonggeyinxingyejinrongjigoujiaqiangyuzhengfuxingrongzidanbao(zaidanbao)jigoudehezuo,jianhuashouxu,tigaogongzuoxiaolv,tansuojianliyindanbingxingdeshenpiliucheng,zaiyushengzaidanbaogongsidachengdehezuokuangjiaxia,duihezuodezhengfuxingrongzidanbaojigoujianshou、shaoshoubaozhengjin,shidangjiangdiduixianjizhengfuxingrongzidanbaojigoujingyingnianxiandengzhunruyaoqiu,heliquedingyindanhezuoqixian。tuidongyindanshuangfangjianlilianghaodexinxigoutongjizhi,baozhenghezuodechixuxinghewendingxing。(zerendanwei:renxingfuzhouzhongxinzhixing、fujianyinbaojianju,shengjinrongjianguanju)

(er)luoshifengxiangongdan。shengzaidanbaogongsijijiduijieguojiarongzidanbaojijin,zuohaoyindanhezuoyewudefenxiandaichanggongzuo。zhi2021nianmo,lizhengguoyoudaxingshangyeyinxingzhuminjigou、difangfarenyinxingyushengzaidanbaogongsiqiandingdezaidanbaofenxianxieyishixianquanfugai,gulikaifaxing、zhengcexingyinxingjigufenzhishangyeyinxingzhuminjigoujiaruyindanhezuotixi。yindanhezuoyewuzhongdefengxianfendanbili,anzhao《guowuyuanbangongtinghuanqiutiyuyouxiaofahuizhengfuxingrongzidanbaojijinzuoyongqieshizhichixiaoweiqiyehe“sannong”fazhandezhidaoyijian》(guobanfa〔2019〕6hao)deguidingzhixing。geyinxingyejinrongjigouyaojiadaduixianyijifenzhijigoudeyewushouquanlidu,qieshiluoshiyindanhezuofenxianjizhi。(zerendanwei:renxingfuzhouzhongxinzhixing、fujianyinbaojianju,shengjinrongjianguanju)

(san)chuangxinyewumoshi。zaichuantongyindanhezuoyewujichushang,dalituiguang“zongduizong”piliangdanbaoyewu。hezuoyinxingyejinrongjigouhezhengfuxingrongzidanbaojigouyingshixiansuodingdangniandufangdaiyewuzongliang。zhengfuxingrongzidanbaojigoukezhudongtigongkehumingdan,yekequerenhezuoyinxingyejinrongjigoutuijiandekehumingdan,hezuoyinxingyejinrongjigouzaizhengfuxingrongzidanbaojigoutigonghuoquerendekehumingdanneizizhujuedingshouxin,zhengfuxingrongzidanbaojigoushishi“jiandaijibao”。yixiaoweiqiyehe“sannong”zhutiweizhudepiliangdanbaoyewu,shouqudedanbaofeilvbuchaoguo1%,quxiaofandanbaoyaoqiu。duinaruguojiarongzidanbaojijindanbaoyewuhezuofanweineidezhengfuxingrongzidanbaojigou,yindanshuangfangketansuoanpingdeng、ziyuan、fengxiankekongdeyuanzejinxingxieshang,shedinghezuoyewudanbaodaichanglvshangxian。gehezuoyinxingyejinrongjigouzongxingyuguojiarongzidanbaojijinqianding“zongduizong”hezuoxieyide,anxieyizhixing。shengzaidanbaogongsifuzezuohaoyuguojiarongzidanbaojijindeduijieheyewubeiangongzuo。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,renxingfuzhouzhongxinzhixing、fujianyinbaojianju,shengjinrongjianguanju〕

(si)gongxiangzhuisuoquanyi。zhengfuxingrongzidanbao(zaidanbao)jigouyinganzhao“xiandaichang、houfenxian”yuanze,yiyueluoshidaichanghefenxianzeren。daikuandaichanghou,yindanshuangfanggongtongfuzeduidanbaodaichangxiangmujinxingzhaiquanzhuisuo,zhuisuohuodedezijinzaikouchuzhuichangfeiyonghou,anyewufengxianfendanbilijinxingfenpei。gejidifangjinrongjianguanbumenfuzetuidongzhengfuxingrongzidanbao(zaidanbao)jigoudingqikaizhangenzongpinggu,zhongdianguanzhuhezuoyinxingyejinrongjigoutuijiandanbaoyewudeshuliang、danbaoduixiangcunhuolv、daichanglv、danbaozichanyijidaikuanfengxianguanlidengqingkuang。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,renxingfuzhouzhongxinzhixing、fujianyinbaojianju,shengjinrongjianguanju〕

(wu)jiangdirongzichengben。yinxingyejinrongjigoubudetongguoyidaizhuancun、cundaiguagou、yidaishoufei、fulifenfei、jiedaidashoudengfangshibianxiangtigaodaikuanqiyerongzichengben。zhengfuxingrongzidanbaojigoujianchidishoufeiyuanze,zaikechixujingyingdeqiantixia,zhubujiangnianhuapingjundanbaofeilvjiangzhi1%yixia。shengzaidanbaogongsijixushishimianshouzaidanbaobaofeizhengce。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengjinrongjianguanju、caizhengting,renminyinxingfuzhouzhongxinzhixing、fujianyinbaojianju〕

(liu)jiaqiangfengxianbakong。zhengfuxingrongzidanbao(zaidanbao)jigouyaoyangeshenheyouyinxingdaikuanjiludexiaoweiqiyehe“sannong”zhutidedanbaoshenqing。yinxingyejinrongjigouyaofahuiyinxingtixifuwuwangluoyoushi、kejijinrongyoushihefengxiankongzhiyoushi,yangelvxingshendaizhize,jiaqiangdaizhonghedaihouguanli,qieshifangkongxindaifengxian。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengjinrongjianguanju,renxingfuzhouzhongxinzhixing、fujianyinbaojianju〕

四、健全保障机制

(yi)jiaqiangrencaiyinjinpeiyang。guligedicanzhaodangdiguoyouqiyeheyinxingyejinrongjigouxinchoushuiping,heliquedingzhengfuxingrongzidanbao(zaidanbao)jigourenyuanxinchoubiaozhun,zhubutigaorongzidanbaoyewufangdabeishu、danbaofeilvshuipinghefuwuhushudengzhibiaozaigongzixiaoyiliandongzhibiaotixineidequanzhong。tansuoanshichanghuaxinchoushuiping,yinjin、zhaopingaoduanguanlirenyuan,tigaozhengfuxingrongzidanbao(zaidanbao)jigoujingyingshuiping。xingzheng、shiyedanweirenyuanyuanzeshangbudejianrenzhengfuxingrongzidanbao(zaidanbao)jigouzhiwu,quexujianrende,yingjingyouguanjiguanpizhun,bingbudelingqujianzhibaochou。gulijianliyinxingyejinrongjigouyuzhengfuxingrongzidanbao(zaidanbao)jigouguanlirenyuan、yewurenyuandeshuangxiangjiaoliujizhi。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengguoziwei、caizhengting、rensheting、jinrongjianguanju〕

(er)qianghuaxinxikejizhicheng。duizhengfuxingrongzidanbao(zaidanbao)jigoujierurenminyinxingjinrongxinyongxinxijichushujukuyuyizhongdianzhichi。jiakuaituijin“jinfuyun”pingtaijianshe,kaifa、shengjifuwugongneng,yindaoyinxingyejinrongjigou、zhengfuxingrongzidanbao(zaidanbao)jigouruzhupingtai,weiyindanhezuotigongxinxijishuzhicheng。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,renxingfuzhouzhongxinzhixing,shengjinrongjianguanju,fujianshengjinfuyunyouxiangongsi〕

(san)luoshijinzhimianzeguiding。gediyingyu2020nian12yue31riqianchutaizhengfuxingrongzidanbao(zaidanbao)jigoujinzhimianzeshishixize,duiyuyifayiguikaizhandexiaoweiqiyehe“sannong”rongzidanbao、zaidanbaoyewu,zai5%daichanglvneichanshengfengxianzaochengsunshide,anzhao《fujianshengjinronggongzuobangongshihuanqiutiyuyinfafujianshengzhengfuxingrongzidanbaojigoujingyingzhibiaopingjiajijinzhimianzezanxingguanlibanfadetongzhi》(minjinrongban〔2019〕10hao)youguanguiding,duixiangguangongzuorenyuanmianyuzhuize。yinxingyejianguanbumenshidutigaoduigeyinxingyejinrongjigouzhixiaozhinongdaikuandefengxianrongrendu。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,renxingfuzhouzhongxinzhixing、fujianyinbaojianju,shengjinrongjianguanju]

(si)gaijinkaohepingjiajizhi。gejirenminzhengfuyaowanshanduibendiquzhengfuxingrongzidanbaojigoudekaohejizhi,congkaohejingjixiaoyiweizhuzhuanweikaoheshehuixiaoyiweizhu,zhongdiankaohexiaoweiqiyehe“sannong”rongzidanbaoyewufuwuqingkuang、danbaofangdabeishu、fuchixiaoweiqiyeshuliang、danbaofeilvhepiliangdanbaoyewukaizhanqingkuangdengzhibiao,kaohejieguoyuzhengfuxingrongzidanbaojigoufuzerenxinchou、caizhengfuchizhengcedengguagou。renminyinxingfuzhouzhongxinzhixinghefujianyinbaojianjuqianghuaduigeyinxingyejinrongjigoudanbaoyewukaizhanqingkuangdekaohepingjia,duizhixiaozhinongyewuzhanbihege、yindanhezuoyewuguimozengzhangkuai、kaizhanxiaoguohaodeyinxingyejinrongjigou,zaijinxingjianguanpingjiahexindaizhengcedaoxiangxiaoguopinggushiyuyijiafen。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,renxingfuzhouzhongxinzhixing、fujianyinbaojianju,shengcaizhengting、jinrongjianguanju〕

(wu)qianghuagenzongdudaoluoshi。shengjinrongjianguanjuyingdangyufujianyinbaojianjujianlijianguanxiezuojizhi,dingqiduiyindanhezuoyewukaizhanqingkuangjinxingpinggutongbao。gejidifangjinrongjianguanbumenqiantoujianlihewanshanzheng、yin、danxinxigongxiangjigoutongxiezuogongzuojizhi,dingqiduibendiquyindanyewuhezuoqingkuangjinxinggenzongpinggu,zhongdianguanzhuyindanhezuoyewuguimo、piliangdanbaoyewuluodi、zhixiaozhinong、jianfujiangfei、anyuedingluoshidaichanghefenxianzerendengqingkuang,bingyumeinian3yuediqianwanchengxiaquneiyindanhezuodezichazipinggongzuo,shumianbaogaoshengjinrongjianguanju。duipianlizhixiaozhinongdingwei,jingducurengzhenggaibudaoweide,jianduguanlibumenkeduiqijinxingjianguantongbao,bingchaosongtongjizuzhi、jijianjiancha、caizheng、guozidengbumen。〔zerendanwei:geshi、xian(qu)renminzhengfu,pingtanzongheshiyanquguanweihui,shengjinrongjianguanju、caizhengting、guoziwei,renxingfuzhouzhongxinzhixing、fujianyinbaojianju〕

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