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宁夏“过桥贷”助中小微企业过难关
2017-08-15 07:54:30 中国青年网
本报讯 记者拓兆兵报道:在当前中小微企业贷款难的情况下,为帮助它们及时获得金融机构转贷支持,有效预防资金链断裂风险,宁夏今年设立了中小微企业转贷资金,并出台《宁夏中小微企业转贷资金管理暂行办法》,专门用于帮助中小微企业渡过资金难关。
“在西部地区,企业融资主渠道仍是银行。随着银行贷款不良率上升,银行对工业企业的新增贷款规模逐渐萎缩,甚至出现抽贷、断贷等现象,融资难、融资贵已成为制约中小微企业发展的突出问题。”宁夏非公有制经济服务局新闻发言人尹君介绍,流动资金贷款是当下中小微企业的主要融资工具,贷款到期后必须先还贷款,这就意味着企业往往要提前两三个月就开始收缩产能,准备现金。在当前实体经济运行较为困难的背景下,企业往往因生产经营及资金周转等原因,一时缺乏足额还贷资金,迫不得已向民间借贷拆借。这类拆借往往收取高额利息,大大增加了企业的财务成本,导致企业不堪重负。
为缓解企业续贷困难,降低企业运营成本和风险,自治区财政拿出1亿元设立政策性转贷资金,引导银行按不低于1∶2比例配比资金额度共同组成转贷资金,专项用于支持宁夏中小微企业短期过桥,应对“借新还旧”期间的资金周转。
作为政府专项资金,“过桥贷”由第三方托管机构负责运营,主要有4个特点。一是成本较低。企业使用转贷资金最长时间不能超过15天,使用1天至5天按每天0.2‰收取资金费用,超过5天但不超过15天的按每天0.4‰收取资金使用费,远低于1‰至3‰的市场费率。二是支持力度大。单个企业支持上限为2000万元。为确保资金能满足企业需求,部分转贷资金合作银行还将授信2亿元作为补充备用。三是高效便捷。企业可登录宁夏中小企业公共服务平台申请续贷和转贷,节省了中间环节。四是注重信用价值。申请企业须经营状况良好,具备本期贷款条件和后续还贷能力,有不良记录的企业无法获得支持。
据介绍,宁夏非公有制经济服务局已与建设银行、中国银行等5家银行签订了转贷业务合作协议,并于7月中旬正式运营。下一步,根据转贷资金运行情况,自治区财政将适时追加补充资金并与更多银行合作,力争此项业务覆盖宁夏所有银行,让更多中小微企业受益。
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