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“银关保”模式为外贸企业减压

2017-08-08 06:34:55   中国青年网

近日,山东淄博大华纸业有限公司与太平财险、青岛银行签订首票“银关保”保函,成为济南海关推出的“企业申请—保险承保—银行授信—海关受理”新型担保链条的受益者。

淄博大华纸业有限公司进口部经理张连良告诉记者:“我们签下的首份保函担保金额是500万元。以前,开具银行保函需要缴纳100%的保证金,500万元的贷款利息约为30万元;引入保险公司后,企业只需按0.3%的年费率支付保险公司1.5万元保费,即可以10%的保证金缴纳比例,取得500万元的银行保函,减少资金占用450万元,综合节省企业资金成本25万余元。”

据了解,目前,海关税收担保主要采取现金保证金和银行保函两种形式。因为费率低,实际占用资金少,银行保函受到广大企业的青睐。但是,银行一般根据企业资信高低来确定保函费用的多少,民营企业、中小企业授信很低或没有授信,就会被要求提供高额担保费用或提供高价值变现的抵押物,其价值往往会达到保函担保金额的70%以上,有时甚至100%。

“银关保”新型担保模式,通过引入保险公司为企业法人就其信用向银行提供保证保险服务,缓释银行信贷压力,促使银行降低开立保函所需的风险保证金。“在保险期间,一旦企业出现违约,保险公司会启动赔偿机制,在10个工作日内将赔款支付给被保险人,保障国家海关税收不受损失。同时,在赔款支付以后,会依据《保险法》及‘银关保’工作机制,启动违约追偿。”太平财险山东分公司副总经理张欣岩说。

“‘银关保’新模式,企业、银行因为有保险的加入,权益都得到了保证,保险得益于保费,海关在担保链条中位置不发生变化,不涉及新增未知风险,广大中小企业能节省大笔担保费用,从而盘活企业资金,可以享受到更多改革的红利。”济南海关副关长李海帆介绍说。

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