Port communicationLuxurious shareholder lineup，661The National Financing Guarantee Fund is here! as we all know，Financing difficulties for small and micro enterprises、Expensive financing has always been an unresolved problem，The central government has also introduced various preferential fiscal, taxation and financial policies，But the effect is not satisfactory。 this time，Get real! National Financing Guarantee Fund Co., Ltd. was formally established at the end of July，Initial registered capital is 66.1 billion yuan。
The Ministry of Finance’s shareholding ratio is as high as 45.39%，There are 20 other banks、Insurance and other institutions invest in shares。 Will the problem be solved this time? to know，Why is it difficult for small and micro enterprises to obtain financing?，The main reason is that small and micro enterprises are intimidating to many banks.，Do not dare to grant loans to them easily，Capital investment tends to be cautious。 This time the central government stepped forward to establish a national-level financing guarantee fund for small and micro enterprises.，It is enough to show its determination and strength to overcome financing difficulties.。
The fund was established by the Ministry of Finance，Its shareholding ratio
- 39%，As the largest shareholder。There are also 20 institutional shareholders including multiple banks，The shareholding ratio ranges from approx.
- 15%to date
- 54%No wait。 Why attract so many banks to invest? The first thing you need to make sure of is，The National Financing Insurance Fund firmly stands on the side of small and micro enterprises，Solve the natural disadvantageous position of small and micro enterprises in the credit market，improve its credit availability。
The reason why the problem of financing difficulties has not been effectively solved，It’s because the bank’s implementation is not in place.。If tied to bank interests，Only banks can turn passivity into initiative.，Really seek practical solutions for small and micro enterprises。
Secondly，Commercial banks understand the market better、Know your customers、Understand the credit needs of small and medium-sized businesses，As a shareholder of the National Financial Insurance Fund, banks，It is bound to play a connecting role in uploading and distributing，Will increase the penetration rate of inclusive financial services、Promoting the development of inclusive financial business is of great significance。 How will the National Financial Insurance Fund exert its efforts? The fund will strive to achieve the policy goal of supporting 150,000 (times) small and micro enterprises and adding 140 billion yuan in loans every year。
Preliminary calculation，The cumulative support for related guaranteed loans in the next three years will be approximately 500 billion yuan.。at the same time，The scale of financing guarantee for small and micro enterprises will be expanded locally、Reduce financing guarantees for small and micro enterprises
cost
Those who achieve obvious results will be rewarded。 Secondly，With "government support、market operation、"Guaranteed capital and small profits" is the operating principle，The management team will also be formed based on market selection.。
First, in terms of business methods，The fund mainly adopts re-guarantee、Equity investment and other forms，Do business with provincial-level re-guarantee companies，Support guarantee institutions within the jurisdiction to provide loan guarantees to qualified small and micro enterprises；Re-guarantee mainly plays the role of diversifying risks，Equity investment can further "transfuse blood" for guarantee institutions。
The second is a provincial financing guarantee fund that does not focus on credit services for small, medium and micro enterprises and "agriculture, rural areas and farmers".，No cooperation，No cooperation will be allowed with companies whose main business is to issue bonds by local governments for credit enhancement.。 Third, commercial banks participate in the national financing guarantee fund，Risk sharing with guarantee institutions、Bundling of interests，Can prompt banks to strengthen risk review of borrowers，It can effectively avoid the moral hazard of banks over-relying on guarantee companies to "cover the bottom line" and relaxing credit reviews.。
Special service directions of the National Financing Guarantee Fund，It can be said that it has brought "timely rain" to small and micro enterprises.，The financing difficulties of small and micro enterprises will be effectively alleviated to a large extent this time。
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