融资担保类

Financing guarantee

（一）疫情防控专项再贷款

1.政策来源：《财政部发展改革委工业和信息化部人民银行审计署关于打赢疫情防控阻击战强化疫情防控重点保障企业资金支持的紧急通知》（财金〔2020〕5号）

2.支持对象：纳入疫情防控重点保障企业名录的企业

3.执行标准：年利率不超过贷款发放时最近一次公布的一年期LPR减100基点，企业还可向财政申请实际支付利息50%的贴息，实际融资成本可降至1.6%以下

4.申报时间：疫情防控期间（贷款可借一年）

5.承办部门：人行重庆营管部、市财政局

6.咨询电话：

人行重庆营管部6767770；

市财政局67575166；

国开行重庆分行邓青：13708376968；

工商银行重庆分行桂宝有13996100995；

建设银行重庆分行王珑龙13983992903；

中国银行重庆分行邓若男18983152521；

邮储银行重庆分行张力川：13452419027；

重庆农商行任强15223852356；

重庆三峡银行王雨珊88890675。

 (1) Special reloan for epidemic prevention and control

1. Source of the policy: "Urgent Circular of the Ministry of Finance Development and Reform Commission of the Ministry of Industry and Information Technology and the Audit Office of the People's Bank of China on Winning the Epidemic Prevention and Control Strike and Strengthening the Epidemic Prevention and Control Key Guaranteed Enterprise Funds" (Cai Jin [2020] No. 5)

2. Objects of support: Enterprises included in the list of key protection enterprises for epidemic prevention and control

3. Implementation standard: The annual interest rate does not exceed 100 basis points of the one-year LPR recently announced at the time of loan disbursement. Enterprises can also apply to the finance for a 50% discount on the actual interest payment, and the actual financing cost can be reduced to less than 1.6%.

4. Declaration time: during the epidemic prevention and control period (the loan can be borrowed for one year)

5. Undertaking departments: Chongqing Business Management Department of the People's Bank of China, Municipal Finance Bureau

6. Consulting number:

The People's Bank of China Chongqing Operations Office: 6767770;

Chongqing Municipal Finance Bureau: 67575166;

Deng Qing, Chongqing Branch of CDB: 13708376968;

Gui Baoyou, Chongqing Branch of Industrial and Commercial Bank of China: 13996100995;

Wang Longlong, Construction Bank Chongqing Branch: 13983992903;

Deng Ruonan, Chongqing Branch of Bank of China: 18983152521;

Zhang Lichuan, Chongqing Branch of the Post Bank of China: 13452419027;

Ren Qiang, Chongqing Rural Commercial Bank: 15223852356;

Wang Yushan,  Chongqing Three Gorges Bank: 88890675.

（二）市级转贷应急周转资金费率由0.2‰降至0.1‰

1.政策来源：《重庆市人民政府办公厅关于应对新型冠状病毒感染的肺炎疫情支持中小企业共渡难关的二十条政策措施》（渝府办发〔2020〕14号）

2.支持对象：符合条件的中小微企业和“双百企业”中的大型民营企业

3.执行标准：应急转贷周转资金费率由0.2%降至0.1%

4.申报时间：抗击新型冠状病毒肺炎疫情期间

5.承办部门：市经济信息委

6.咨询电话：67510398

(2) Municipal refinancing emergency working capital rate decreased from 0.2 % to 0.1 %

1. Source of the policy: "Twenty Policy Measures of the General Office of the Chongqing Municipal People's Government on Responding to the Pneumonia Epidemic of New Coronavirus Infection to Support Small and Medium-Sized Enterprises to Cope with the Difficulties" (Yufubanfa [2020] No. 14)

2. Objects of support: qualified small and medium-sized enterprises and large private enterprises in "double hundred enterprises"

3. Implementation standard: the rate of emergency refinancing working capital decreased from 0.2 ‰ to 0.1 ‰

4. Declaration time: during the fight against new coronavirus pneumonia

5. Undertaking department: Municipal Economic Information Committee

6. Consulting number: 67510398

（三）给予符合商业价值信用贷款基本条件的中小企业300万元流动资金贷款

1.政策来源:重庆市人民政府办公厅《关于开展中小企业商业价值信用贷款改革试点工作的通知》（渝府办发〔2018〕173号）、重庆市经济和信息化委员会重庆市财政局重庆市地方金融监管局中国人民银行重庆营管部重庆银保监局筹备组《关于重庆市中小企业商业价值信用贷款改革试点工作实施方案》(渝经信发〔2018〕92号)。

2.支持对象：试点区县内的中型、小型和微型企业

3.执行标准：对符合商业价值信用贷款基本条件的中小企业，原则上给予申请企业不超过300万元、一年期的流动资金贷款

4.申报时间：长期，登录http://yqjf.cqsme.cn（渝企金服）即可申请

5.承办部门：市经济信息委

6.咨询电话：67510398

(3) 3 million yuan working capital loan to SMEs that meet the basic conditions of commercial value credit loans

1. Source of the policy: Notice of the General Office of the Chongqing Municipal People's Government on the Pilot Work on the Reform of Credit Loans for Commercial Value of Small and Medium-sized Enterprises (Yufubanfa [2018] No. 173), Chongqing Municipal Economic and Information Commission, Chongqing Municipal Finance Bureau, Chongqing Municipal Financial Supervision Bureau of the People's Bank of China Chongqing Banking Administration Department Chongqing Banking and Insurance Regulatory Bureau Preparatory Group "Chongqing SME Commercial Value Credit Loan Reform Pilot Work Implementation Plan" (Yujing Xinfa [2018] No. 92).

2. Objects of support: medium, small and micro enterprises in pilot districts

3. Implementation standard: For small and medium-sized enterprises that meet the basic conditions of commercial value credit loans, in principle, the applicants shall be granted a working capital loan of no more than 3 million yuan for one year.

4. Declaration time: long-term, log in http://yqjf.cqsme.cn (Yuqi Financial Services) to apply

5. Undertaking department: Municipal Economic Information Committee

6. Consulting number: 67510398

（四）切实降低企业融资成本

1.政策来源：《重庆市财政局等8部门关于落实新冠肺炎疫情期间中小微企业贷款贴息政策的通知》（渝财产业〔2020〕10号）

2.支持对象：受疫情影响出现暂时困难但发展前景较好的中小微企业

3.执行标准：2020年2月4日—2020年6月30日企业经营活动产生的贷款利息，按不超过银行贷款一年期基准利率（具体以2020年1月一年期贷款基础利率LPR为准）50%给予贴息，原则上每户企业贴息金额不超过30万元

4.申报时间：各区县相关部门3月底以前制发通知，符合条件的企业于7月10日前报送材料到本地相关主管部门

(4) Effectively reduce corporate financing costs

1. Source of the policy: "Notice of the Chongqing Municipal Bureau of Finance and other 8 departments on the implementation of the loan discount policy for small and medium-sized enterprises during the period of the new crown pneumonia epidemic" (Yu Chongye [2020] No. 10)

2. Objects of support: Small and medium-sized enterprises with temporary development difficulties but good development prospects due to the impact of the epidemic

3. Implementation standard: February 4, 2020-June 30, 2020, the loan interest generated by the company's operating activities shall not exceed the one-year benchmark interest rate of the bank loan (specifically the January-2020 one-year loan base interest rate LPR). (Subject to 50% discount). In principle, the discount amount of each enterprise does not exceed 300,000 yuan.

4. Declaration time: The relevant departments of each district and county will issue notices before the end of March, and qualified enterprises will submit materials to the relevant local authorities by July 10.

（五）提供应急性周转资金借款

1.政策来源：《重庆市经济和信息化委员会关于印发重庆市新型冠状病毒感染肺炎疫情防控物资生产应急周转资金使用细则的通知》（渝经信财审〔2020〕3号）

2.支持对象：在我市辖区注册，纳入市卫生健康委、市经济信息委明确的新冠肺炎疫情防控物资生产企业清单的单位

3.执行标准：原则上每笔不超过100万元。生产企业借用周转金，在储备企业收购疫情防控物资货款中抵扣，不足部分由区县经济信息委（或工业园区）督促借款企业及时偿还

4.申报时间：新冠肺炎疫情防控期内

5.承办部门：市经济信息委

6.咨询电话：63897239

(5) Provide emergency working capital loans

1. Source of the policy: Notice of the Chongqing Municipal Economic and Information Commission on Printing and Distributing the Detailed Rules for the Use of Emergency Turnover Funds for the Production and Control of New Coronary Virus Infection and Pneumonia in Chongqing (Yujingxin Caishen [2020] No. 3)

2. Objects of support: Units registered in the jurisdiction of our city and included in the list of new crown pneumonia epidemic prevention and control material production enterprises specified by the Municipal Health and Health Commission and the Municipal Economic Information Commission

3. Implementation standard: In principle, each transaction does not exceed 1 million yuan. The production company borrows working capital and deducts it from the reserve company's purchase of goods for epidemic prevention and control. The insufficient part is urged by the district and county economic information commission (or industrial park) to promptly repay the borrowing company.

4. Declaration time: New crown pneumonia epidemic prevention and control period

5. Undertaking department: Municipal Economic Information Committee

6. Consulting number: 63897239

（六）信贷支持企业排忧解困

1.政策来源：《重庆市人民政府办公厅关于应对新型冠状病毒感染的肺炎疫情支持中小企业共渡难关的二十条政策措施》（渝府办发〔2020〕14号）

2.支持对象：受疫情影响的企业

3.执行标准：鼓励各银行机构对受疫情影响较大企业在原有贷款利率水平基础上再下浮10%以上，确保2020年小微企业融资成本不高于2019年同期水平。对受疫情影响暂时失去收入来源的个人和企业，予以展期、续贷，出现逾期的免除逾期利息

4.申报时间：疫情防控期间

5.承办部门：重庆银保监局、人行重庆营管部、市金融监管局、市财政局

6.咨询电话：61859892、67677183、67572095、67575166

(6) Credit support enterprises to solve their problems

1. Source of the policy: "Twenty Policy Measures of the General Office of the Chongqing Municipal People's Government on Responding to the Pneumonia Epidemic of New Coronavirus Infection to Support Small and Medium-Sized Enterprises to Cope with the Difficulties" (Yufubanfa [2020] No. 14)

2. Objects of support: Enterprises affected by the epidemic

3. Implementation standards: Encourage all banking institutions to fluctuate more than 10% on the basis of the original loan interest rate of enterprises affected by the epidemic, and ensure that the financing costs of small and micro enterprises in 2020 are not higher than the same period in 2019. Individuals and enterprises affected by the epidemic who have temporarily lost their source of income will be extended and renewed.

4. Declaration time: during epidemic prevention and control

5. Undertaking department: Chongqing Banking and Insurance Supervision Bureau, Chongqing Banking Management Department of the People's Bank of China, Municipal Financial Supervision Bureau, and Municipal Finance Bureau

6. Consulting numbers: 61859892, 67677183, 67572095, 67575166

（七）加大地方金融机构服务力度

1.政策来源：《重庆市人民政府办公厅关于应对新型冠状病毒感染的肺炎疫情支持中小企业共渡难关的二十条政策措施》（渝府办发〔2020〕14号）

2.支持对象：一是疫情防控相关企业和受疫情影响较大的地区、行业、企业特别是中小微企业；二是受疫情影响受困客户

3.执行标准：2020年2月17日—2020年6月30日期间，对因疫情影响未能及时还款的，可合理调整信用记录报送。有关逾期贷款按照小额贷款公司与贷款人协议调整后的还款计划及相应实际还款情况报送，已经报送的可予以调整

4.申报时间： 6月30日前向贷款的小额贷款公司提出申请

5.承办部门：市金融监管局、重庆银保监局、市国资委

6.咨询电话：67572095、61859892、67678000

(7) Strengthen the service of local financial institutions

1. Source of the policy: "Twenty Policy Measures of the General Office of the Chongqing Municipal People's Government on Responding to the Pneumonia Epidemic of New Coronavirus Infection to Support Small and Medium-Sized Enterprises to Cope with the Difficulties" (Yufubanfa [2020] No. 14)

2. Objects of support: First, related companies for epidemic prevention and control, and regions, industries, and enterprises that are affected by the epidemic, especially small, medium and micro enterprises;

3. Implementation standard: From February 17, 2020 to June 30, 2020, if the repayment is not timely due to the impact of the epidemic, the credit record submission can be adjusted reasonably. Relevant overdue loans are reported in accordance with the repayment plan adjusted by the small loan company and the lender and the corresponding actual repayment situation, and those already submitted may be adjusted

4. Declaration time: Apply to the loan micro-credit company before June 30

5. Undertaking department: Municipal Financial Supervision Bureau, Chongqing Banking and Insurance Supervision Bureau, Municipal SASAC

6. Consulting number: 67572095, 61859892, 67678000

（八）提高贷款不良率容忍度

1.政策来源：《重庆市人民政府办公厅关于应对新型冠状病毒感染的肺炎疫情支持中小企业共渡难关的二十条政策措施》（渝府办发〔2020〕14号）

2.支持对象：地方法人银行（重庆银行、重庆农村商业银行、三峡银行）

3.执行标准：贷款不良率超出自身各项贷款不良率3个百分点以内，且贷款规模增长的，合理确定其监管评级和绩效评级

4.申报时间：2020年2月4日至2020年6月30日

5.承办部门：重庆银保监局、市金融监管局、市国资委

6.咨询电话：61859892、67572095、67678000

(8) Increase tolerance for non-performing loans

1. Source of the policy: "Twenty Policy Measures of the General Office of the Chongqing Municipal People's Government on Responding to the Pneumonia Epidemic of New Coronavirus Infection to Support Small and Medium-Sized Enterprises to Cope with the Difficulties" (Yufubanfa [2020] No. 14)

2. Objects of support: Local legal person banks (Chongqing Bank, Chongqing Rural Commercial Bank, Three Gorges Bank)

3. Implementation standard: If the non-performing loan ratio exceeds its own non-performing loan ratio by less than 3 percentage points, and the loan size increases, its regulatory rating and performance rating shall be reasonably determined

4. Declaration time: February 4, 2020 to June 30, 2020

5. Undertaking department: Chongqing Banking and Insurance Regulatory Bureau, Municipal Financial Supervision Bureau, Municipal SASAC

6. Consulting number: 61859892, 67572095, 67678000

（九）鼓励发行小微企业增信集合债券

1.政策来源：国家发展改革委办公厅《关于疫情防控期间做好企业债券工作的通知》（发改办财金〔2020〕111号）

2.支持对象：中小微企业

3.执行标准：鼓励信用优良企业发行小微企业增信集合债券。发行人使用不超过40%的债券资金用于补充营运资金，同时将委托贷款集中度的要求放宽为“对单个委贷对象发放的委贷资金累计余额不得超过5000万元且不得超过小微债募集资金总规模的10%”。受疫情影响严重的企业，允许申请发行新的企业债券专项用于偿还2020年内即将到期的企业债券本金及利息。企业债券批复文件在2020年2月至6月期间到期的，相关批文有效期统一自动延长至2020年6月30日，并豁免发行人履行延期申请程序

4.申报时间：疫情防控期间

5.承办部门：市发展改革委

6.咨询电话：63134058

(9) Encourage the issuance of collective credit bonds for small and micro enterprises

1. Source of the policy: General Office of the National Development and Reform Commission, "Notice on Doing a Good Job in Corporate Bonds During Epidemic Prevention and Control" (Faculty and Reform Office Caijin [2020] No. 111)

2. Objects of support: small, medium and micro enterprises

3. Implementation standards: Encourage good credit companies to issue small and micro enterprise credit enhancement collective bonds. The issuer uses no more than 40% of the bond funds to supplement working capital, and at the same time relaxes the requirement for the concentration of entrusted loans to "the cumulative balance of commission funds issued to a single commission object must not exceed 50 million yuan and must not exceed small and micro debt 10% of the total amount of funds raised. " Enterprises severely affected by the epidemic are allowed to apply for the issuance of new corporate bonds specifically for repayment of the principal and interest of corporate bonds due within 2020. If the corporate bond approval document expires between February and June 2020, the validity period of the relevant approval document will be automatically extended to June 30, 2020, and the issuer will be exempted from the application procedure

4. Declaration time: during epidemic prevention and control

5. Undertaking department: Municipal Development and Reform Commission

6. Consulting number: 63134058

（十）支持化解企业公开市场风险

1.政策来源：《重庆市人民政府办公厅关于应对新型冠状病毒感染的肺炎疫情支持中小企业共渡难关的二十条政策措施》（渝府办发〔2020〕14号）

2.支持对象：在股票质押、公司债兑付、信息披露等方面遇到困难的企业

3.执行标准：通过适当展期、发新还旧和延期披露等方式

4.申报时间：疫情防控期间

5.承办部门：市金融监管局、人行重庆营管部、重庆证监局、市国资委

6.咨询电话：67572095、67677183、89031960、67678000

(10) Supporting the resolution of open market risks of enterprises

1. Source of the policy: "Twenty Policy Measures of the General Office of the Chongqing Municipal People's Government on Responding to the Pneumonia Epidemic of New Coronavirus Infection to Support Small and Medium-Sized Enterprises to Cope with the Difficulties" (Yufubanfa [2020] No. 14)

2. Objects of support: Enterprises that have encountered difficulties in stock pledge, corporate debt redemption, information disclosure, etc.

3. Implementation standards: through appropriate extension, new and old, and deferred disclosure

4. Declaration time: during epidemic prevention and control

5. Undertaking department: Municipal Financial Supervision Bureau, Chongqing Banking Management Department of the People's Bank of China, Chongqing Securities Regulatory Bureau, Municipal SASAC

6. Consulting number: 67572095, 67677183, 89030960, 67678000

（十一）降低担保和再担保费率

1.政策来源：《工业和信息化部关于应对新型冠状病毒肺炎疫情帮助中小企业复工复产共渡难关有关工作的通知》（工信明电〔2020〕14号）

2.支持对象：中小微企业

3.执行标准：各级政府性融资担保，再担保机构提高办理效率，取消反担保，降低担保费率，视疫情影响适当延长追偿时限等

4.申报时间：新冠肺炎疫情防控期内

5.承办部门：市金融监管局

6.咨询电话：67572095

(11) Reduce guarantee and re-guarantee fee rates

1. Source of the policy: "Notice of the Ministry of Industry and Information Technology on Relevant Work on Helping Small and Medium-sized Enterprises to Resume and Resume Production and Cope with the Difficulties in Response to the Epidemic of New Coronavirus Pneumonia" (Gongxinmingdian [2020] No. 14)

2. Objects of support: small, medium and micro enterprises

3. Implementation standards: government financing guarantees at all levels, re-guarantee institutions to improve processing efficiency, cancel counter-guarantees, reduce guarantee fee rates, and appropriately extend the time limit for recovery, depending on the impact of the epidemic

4. Declaration time: New crown pneumonia epidemic prevention and control period

5. Undertaking department: Municipal Financial Supervision Bureau

6. Consulting number: 67572095

（十二）提高收储防疫物资企业授信额度

储备企业收储防疫物资贷款金额超过银行授信额度的，由市金融主管部门协调银行及时提高授信额度并及时放贷。

1.政策来源：《重庆市新型冠状病毒感染的肺炎疫情防控物资保供政策》（渝经信发〔2020〕10号）、《重庆市进一步加强金融支持疫情防控做好实体经济金融服务实施细则》、《重庆市地方金融监督管理局关于引导小额贷款公司支持疫情防控做好实体经济金融服务的通知》（渝金〔2020〕30号）

2.支持对象：在疫情防控重点保障企业之外，对受疫情影响出现暂时困难但发展前景较好的小微企业

3.执行标准：应发挥错位经营和“小额分散”特点优势，主动对接，酌情增加贷款额度，适度下调贷款利率，力争行业对中小微企业放贷总额不低于上年同期，年化综合实际利率不高于上年加权平均综合实际利率

4.申报时间：新冠肺炎疫情防控期内

5.承办部门：市金融监管局

6.咨询电话：67572095

 (12) Increasing the credit line for enterprises that collect and store epidemic prevention materials

If the loan amount of the reserve enterprise's loan for epidemic prevention materials exceeds the bank's credit limit, the municipal financial department shall coordinate the bank's timely increase of the credit limit and timely lending.

1. Source of the policy: "Chongqing New Coronavirus Infectious Pneumonia Epidemic Prevention and Control Material Guarantee Policy" (Yu Jingxinfa [2020] No. 10), "Chongqing City Further Strengthens Financial Support for Epidemic Prevention and Control to Do Better Financial Services for the Real Economy Implementing Rules "and" Chongqing Municipal Financial Supervision and Administration Bureau's Notice on Guiding Microfinance Companies to Support Epidemic Prevention and Control to Do Well in the Real Economy and Financial Services "(Yujin [2020] No. 30)

2. Objects of support: Small and micro enterprises that have temporary difficulties in the impact of the epidemic, but have better development prospects, in addition to the key protection enterprises for epidemic prevention and control

3. Implementation Standards: The advantages of misaligned operations and “small amount of diversification” should be used to take the initiative to match up, increase the loan amount as appropriate, and moderately reduce the loan interest rate, and strive to make the total amount of loans to small and medium-sized enterprises by the industry not less than the same period last year. Interest rate is not higher than the weighted average comprehensive real interest rate of the previous year

4. Declaration time: New crown pneumonia epidemic prevention and control period

5. Undertaking department: Municipal Financial Supervision Bureau

6. Consulting number: 67572095