凯发体育app

四川省人民政府办公厅关于促进融资担保行业规范发展的实施意见
发布日期:2019-08-08 浏览量:1028

川办发〔2019〕51号

凯发体育app geshi(zhou)renminzhengfu,shengzhengfuyouguanbumen、youguanzhishujigou,youguandanwei:

凯发体育app weishenruguanche《rongzidanbaogongsijianduguanlitiaoli》《guowuyuanbangongtingguanyuyouxiaofahuizhengfuxingrongzidanbaojijinzuoyongqieshizhichixiaoweiqiyehe“sannong”fazhandezhidaoyijian》(guobanfa〔2019〕6hao)jingshen,jianquanwoshengrongzidanbaotixi,tuidongrongzidanbaoxingyezhuanxingshengji,zengqiangfuwushitijingjidenengli,fangfanhuajieqianzaifengxian,jiehewoshengshiji,zhidingyixiashishiyijian。

yi、zongtisiluhefazhanmubiao

凯发体育app (yi)zongtisilu。yixijinpingxinshidaizhongguoteseshehuizhuyisixiangweizhidao,shenruguanchedangdeshijiudahexijinpingzongshujiduisichuangongzuoxiliezhongyaozhishijingshen,renzhenluoshidangzhongyangguowuyuanjuecebushu,jianchiyiguifancufazhan,tuidongwoshengrongzidanbaoxingyejianliangtizhi、heguijingying、zuoqiangzuoyou,genghaofahuirongzidanbaogongsiyouqishizhengfuxingrongzidanbaogongsizuoyong,huanjieminyingqiye、xiaoweiqiyehe“sannong”fazhanrongzinanrongziguiwenti。jiakuaigoujianyishengjizaidanbaogongsiweilongtou,guoyourongzidanbaogongsiweizhuti,youzhiminyingrongzidanbaogongsiweibuchong,yinxingyejinrongjigouweiyituo,xiaoweiqiye、“sannong”、zhanlvexingxinxingchanyedengweizhuyaofuwuduixiangderongzidanbaotixi。jiaqiangjianguanhefengxianfangkong,wanshancaishuizhichizhengce,weixingyefazhanyingzaolianghaohuanjing。

(er)fazhanmubiao。dao2023nian,peiyuyipishilijiaoqiang、jingyingguifanderongzidanbaogongsi,xingchengshuliangshizhong、xietonggaoxiao、wenjianyunxingderongzidanbaotixi;zaijixuzengqiangxingyezhongyaoxingjigouzibenshilidetongshi,qitajigoupingjunzhucezibendadao3yiyuanyishang;xiaoweiqiyehe“sannong”zaibaoyuezhanquanshengrongzidanbaoyuebizhongdadao60%yishang,rongzidanbaofeilvzaiquanguotongxingyebaochijiaodishuiping,daichanglvkongzhizaiheliqujian;xingyejianguantixijinyibuwanshan,fengkongnenglijinyibuzengqiang,laolaoshouzhubufashengxitongxingfengxiandixian。

凯发体育app er、zhelijianquanrongzidanbaojigoutixi

(san)shenhuayuguojiarongzidanbaojijindehezuo。jiaqiangyuguojiarongzidanbaojijindehezuoduijieyuziyuangongxiang,jijizhengquguojiarongzidanbaojijintongguozaidanbao、guquantouzidengfangshiyuwoshengzaidanbaogongsi、rongzidanbaogongsikaizhanhezuo。tuidongshengjizaidanbaogongsi、zhengfuxingrongzidanbaogongsizuoshiziben、zuoqiangjigou、zuojingyewu、yankongfengxian,buduantigaoyewuduijiexiaolv,dazao“guojiarongzidanbaojijin—shengjizaidanbaogongsi—rongzidanbaogongsi”gaoxiaoliandongfuwutixi。

凯发体育app (si)zengqiangxingyezhongyaoxingjigouzibenshilihexietongnengli。zhichishengjizaidanbaogongsijijizhengquguojiarongzidanbaojijinhexiaoweiqiyerongzidanbaoyewujiangfeijiangbudengzhongyangcaizhengzhichizhengce,shishiduishengjizaidanbaogongsizengzikuogu,zengqiangzibenshilihekechixufazhannengli。yindaoshengjinongyerongzidanbaogongsitongguojianlifenzhijigou、yushixiannongyerongzidanbaogongsikaizhanyewuhezuohuoguquanhezuodengfangshi,jiakuaixiangshixianhejicengyouqishichanliangdaxian、nongyedaxian、shendupinkunxianyanshenjigouhefuwu,jiakuaijianshequanshengnongyerongzidanbaotixi。fazhanyipishilixionghou、jingyingguifan、juyoujiaoqiangdaidonglideshengjirongzidanbaogongsi,yushengneiqitarongzidanbaogongsikaizhanguquan、guanli、yewu、peixundenghezuo。anzhao“chayidingwei、youshihubu、xietonghezuo”deyuanze,tuidongxingyezhongyaoxingjigoujianlijianquanzhunrubiaozhun、xinyongpingji、chayihuadingjiadengjizhi,cujinquanshengrongzidanbaotixi“yipanqi”xietongfazhan。

凯发体育app (wu)hangshishixianrongzidanbaojigoujichu。anzhaoshichanghuayuanze,tongguozengzi、binggouzhongzudengfangshiyouxuzhengheshixianrongzidanbaogongsi,tuidongrongzidanbaoxingyejianshaoshuliang、tigaozhiliang、zengqiangdanbaonengli。daliyindaoshixianrongzidanbaogongsijijiyinruxingyezhongyaoxingjigoucanguhuokonggu,jiezhuqiziben、rencai、jishu、pinpaidengyoushitishengzishenshili。duirongzidanbaofangdabeishu、xiaoweiqiyeyu“sannong”fuwuzhanbidiyuquanshengpingjunshuiping、danbaodaichanglvgaoyuquanshengpingjunshuipingdediqu,yuanzeshangbuzaixinzengshejigou。

凯发体育app san、wanshanyindanhezuojizhi

(liu)tuijinshengji“zongduizong”hezuo。xingyezhongyaoxingjigouyaofahuiqiantouzuoyong,tuidongquanshengrongzidanbaogongsiyuyinxingyejinrongjigouhezuoyouqishiyudifangfarenyinxingyejinrongjigoukaizhan“zongduizong”hezuo,chongfenyunyongdifangfarenyinxingyejinrongjigoujingyingfangshilinghuo、jueceliantiaoduandengtedian,shenduhezuo、pingdenghezuo,zhongdianjiejuexinxigoutongbuchang、fengxianfendanbuduideng、baozhengjinguanlibuguifandengwenti。

(qi)yonghaoyonghuorongzidanbaoziyuan。yindaoyinxingyejinrongjigoujiangshenhuayindanhezuozuoweijiadazhixiaozhinonglidu、youxiaohuanshixindaifengxiandezhongyaoshouduan,zaiyushengjizaidanbaogongsidachengdehezuokuangjiaxia,duihezuoderongzidanbaogongsi,anzhaoshichanghuayuanze,tigongfengxianfendan、bushouqubaozhengjin、tigaofangdabeishu、kongzhidaikuanlilvdengyouhui。gaijinjixiaokaohehefengxianwenzejizhi,youhuashouxinshenpiliucheng,tigaoduixiaoweiqiyehe“sannong”rongzidanbaodaikuandefengxianrongrendu,jiangdiqiyerongzichengben。shengnongcunxinyongshelianhesheyaotongchouyanjiuzhidingquanshengnongcunxinyongshe(nongcunshangyeyinxing)xitongyurongzidanbaogongsihezuodezhunruheyewubiaozhun,tigaoyindanhezuozhixiao。

(ba)wanshanfengxianfendanjizhi。anzhaopingdenghuli、fengxiangongdan、heguishenshendeyuanze,wanshanyindanhezuofengxianfendanjizhi。yinxingyejinrongjigouyingshizhifendanfengxian,chengdandefengxianzerenbiliyuanzeshangbudiyu20%;zaikehufashengzhaiwuweiyuehouyingjiyurongzidanbaogongsiyidingdedaichangkuanxianqi,bingzairongzidanbaogongsidaichanghoujijibangzhuhuajiefengxian。rongzidanbaogongsiyingtongguotigaofengxianshibienengli、jiaqiangfandanbaodi(zhi)yawuguanlidengfangshiyouxiaokongzhifengxian,duixiaoweiqiyehe“sannong”kehubushouqubaozhengjin。jianlizhengfu、rongzidanbaogongsi、yinxingyejinrongjigougongtongcanyudefengxiangongdanjizhi,duixiaoweiqiye、“sannong”dengrongzidanbaoyewujinxingfengxianbuchang。tuidongrongzidanbaogongsizhijianjiaqiangdanbaoyewuhezuo,gongtongzuohaofengxianguankong。

凯发体育app (jiu)fangzhifengxianzhuanjia。yinxingyejinrongjigouyaoanzhaoqinmianjinzhiyuanze,luoshidaiqianshenchahedaizhongdaihouguanlizeren,jiaqiangdanbaodaikuanfengxianshibieyufangkong。zairongzidanbaoxingyexiehuiyindaoxia,rongzidanbaogongsiduihezuoyinxingyejinrongjigoukaizhandingqipinggu,zhongdianguanzhuqituijiandanbaoyewudeshuliangheguimo、danbaoduixiangcunhuolv、daichanglvyijidaikuanfengxianguanlidengqingkuang,yangeshenheyouyinxingdaikuanjiludexiaoweiqiyehe“sannong”zhutidedanbaoshenqing,fangzhiyinxingyejinrongjigoujiangyingyouzishenchengdandefengxianzhuanyourongzidanbaogongsi、zaidanbaogongsichengdan。

si、zengqiangkechixufazhannengli

凯发体育app (shi)mingquezhengfuxingrongzidanbaogongsizhixiaozhinongdingwei。gejizhengfuxingrongzidanbaogongsiyaojujiaoxiaoweiqiyehe“sannong”zhuti,yijifuhetiaojiandezhanlvexingxinxingchanyeqiye,zhongdianzhichidanhudanbaojine500wanyuanjiyixiadexiaoweiqiyehe“sannong”zhuti,youxianweidaikuanxinyongjiluheyouxiaodizhiyapinbuzudanchanpinyoushichang、xiangmuyouqianjing、jishuyoujingzhenglidexiaoweiqiyehe“sannong”zhutirongzitigongdanbaozengxin。yaozhudongbolizhengfuzhaiquanfaxinghezhengfurongzipingtairongzidanbaoyewu,yangekongzhixianzhizijinyunzuoguimohefengxian,buxiangfeirongzidanbaojigoujinxingguquantouzi,zhubuyasuodazhongxingqiyedanbaoyewuguimo,quebaozhixiaozhinongdanbaoyewuguimozhanbidadao80%yishang。shengjizaidanbaogongsiyaohelishezhihezuozhunrutiaojian,daidonghezuojigouzhubutigaozhixiaozhinongdanbaoyewuguimohezhanbi;hezuojigouzhixiaozhinongdanbaojinezhanquanbudanbaojinedebilibudediyu80%,qizhongdanhudanbaojine500wanyuanjiyixiadezhanbibudediyu50%;zaikechixujingyingdeqiantixia,yindaohezuojigouzhubujiangpingjundanbaofeilvjiangzhi1%yixia。

凯发体育app (shiyi)wentuochuangxinyewumoshi。rongzidanbaogongsizaijianshourongzidanbaozhuye、fuhexiangguanjianguanguidinghezhengcedeqiantixia,keyitansuokaizhan“toudanyewuliandong”,weiqiyefazhantigongtouzi、danbao、weituodaikuandengduoyuanhuadejinrongfuwu,guifankaizhanzichanyewu,mibudanbaoyewukenengchuxiandekuisun,zengqiangkechixufazhannengli。gulirongzidanbaogongsizhongdianweiraowosheng“5+1”xiandaichanyetixi,tongguoyituoyoushigudongziyuanjishangxiayouchanyeliandengfangshishenwashichangyouxiaoxuqiu,shixianyushitijingjishenduronghe。gulirongzidanbaogongsiyubaoxiangongsikaizhan“danbao+baoxian+xianzizhitou”dengchuangxinhezuo,tigaoduishitijingjirongzidezengxin、fenxiannengli。zhichirongzidanbaogongsijiehebendiziyuanbingfujiquweiyoushi,weiraojunminronghe、zimaoqujianshe、chuangxinchuangye、wenhualvyou、jingzhunfupindenglingyukaizhanquyuxing、tesehua、zhuanyehuajingying。

凯发体育app (shier)youhuagongsizhili。yindaorongzidanbaogongsiyouhuaguquanjiegou,yinjinyouzhizhanlvetouzizhe,chixujianquangongsizhilijizhi。qianghuaneikongjianshe,jianliwanshanjuece、guanli、jianduxianghuzhiheng,jili、yueshuxianghupipeidejingyingjizhi,zengqiangjingyingguanlinengli。jianlijianquanshichanghuadexinchoutixi,zengqiangrongzidanbaogongsiduigaosuzhijinrongrencaidexiyinli。gulirongzidanbaogongsijijikaizhandisanfangxinyongpingji,liyongwaibuzhuanyeliliangtishengfengkongnengli。tuidongrongzidanbaogongsiwentuojierujinrongxinyongxinxijichushujuku,shixianxinyongxinxihefagongxiang,zengqiangfengkongnengli。jianlirongzidanbaogongsichengxindangan,tuidongrongzidanbaogongsixinyongjilunarushengshehuixinyongxinxipingtai,jiaqiangxinyongguanli。

凯发体育app wu、jiaqiangjianduguanli

(shisan)zhidingjianguanxize。anzhao《rongzidanbaogongsijianduguanlitiaoli》jiyinbaojianhuipeitaojianguanzhidukuangjia,jiehesichuanshijixiudingwanshanquanshengrongzidanbaogongsijianduguanlibanfa,jinyibuguifandongshi、jianshihegaojiguanlirenyuanderenzhizigeyuchengxu,zhidingrongzidanbaogongsixingyepingji、shichangtuichudengshishifangan,xingchengyuguojiajianguanzhengcexiangpeitaodejianguanxize。wanshanchayihuajianguanzhengce,genjurongzidanbaogongsijingyingguimo、fuwuduixiang、neikonghefengxianzhuangkuangdeng,duizibenjintuoguanbili、fangdabeishudengcaiqufenleijianguan,tishengjianguandezhenduixingheyouxiaoxing。

凯发体育app (shisi)qianghuakejijianguanhequanliuchengjianguan。jiakuaiquanshengdifangjinrongzuzhijianguanxinxipingtaijianshe,chongfenyunyongdashuju、jianguankejidengxiandaixinxijishuyijidisanfangzhongjiedengfuzhushouduan,tishengjianguanxiaoneng。jianlijianquanrongzidanbaoxingyefengxianpaichayujing、fangfanchuzhixietonggongzuojizhi,zhunqueshibiefengxianyinhuan,jishiyouxiaochuzhidiquxing、xingyexingfengxian。chongfenyunyongxianchangjianguanhefeixianchangjianguanshouduan,jiaqiangduirongzidanbaogongsijiqigudongxingweideguankong,fangfanweiguijingyingfengxian。duizhongdiangongsi、zhongdianlingyujianliyifengxianweihexindechixudongtaijiancejizhi,qianghuashizhongshihoujianguan,jiadaduinuoyongkehudaikuanhuobaozhengjin、zhangwaijingying、feifajingyingdengwentidejianchahechufalidu,tishengrongzidanbaogongsiheguijingyingshuiping。ducurongzidanbaogongsidingqixiangdifangjinrongjianguanbumen、zhongxiaoqiyezhuguanbumendengbaosongyewuxinxihefengxianqingkuang。

(shiwu)jiaqiangzhuyaogudongguanli。qianghuayuantouguanli、yangexingyezhunru,jiaqiangduirongzidanbaogongsigudongzizhidechuantoushencha,shibieshijikongzhiren、zuizhongshouyiren。jianlizhuyaogudongxingweifumianqingdan,quebaoyinjingaozhiliangtouzizhe,youxiaojiejuezhuyaogudonglanyonggudongquanli、ganyurongzidanbaogongsizhengchangjingyingdengwenti。duidagudongshexianxujiachuzi、nuoyongzhucezibenjin、feifaguanlianjiaoyidengxingwei,difangjinrongjianguanbumenzaiyifayiguichulirongzidanbaogongsidetongshi,jianggudongshexianweifaweiguiqingkuangyijiaoyouguanbumenchuli。

(shiliu)fenleizhengzhiwentijigou。fenleishice,yifayouxuqinglizhengzhiyipiweifaweiguirongzidanbaogongsi,jinghuaxingyeshengtai。duizhangqibukaizhanyewu、pianlirongzidanbaozhuye,yichengwei“jiangshi”jigouhuoyihuaweitouzigongside,ducuqizhenggaihuojinxingqingtui;duiyanzhongweifaweiguiderongzidanbaogongsi,yaoyuyiqingtui;duiweifacongshirongzidanbaoyewudefeichipaijigou,yaojianjueyuyiqudi。youxiaoyunyongjianbingzhongzudengshouduanhuajiegaofengxianrongzidanbaogongsifengxian。

(shiqi)qianghuaxingyezilv。shengrongzidanbaoyexiehuiyaochongfenfahuizilv、guifan、fuwuzhineng,qiantouzhidingxingyebiaozhun、zilvguifandengzhidu,zuzhikaizhanxingyepingji、peixundenggongzuo。dazaoxingyezonghefuwupingtai,weihuiyuanjigoujingyingfazhan、neikongherencaiduiwujianshedengtigongzhuanyedezixunfuwu,zengqiangxingyekechixufazhannenglihediyufengxiannengli。

六、完善配套支持政策


(shiba)youhuakaohejilijizhi。duizhengfuxingrongzidanbaogongsi、zaidanbaogongsidengdedanbaoyewu、zichanyewushishifenleikaohe,shidangjiangdihuoquxiaorongzidanbaoyewudeyinglixingkaoheyaoqiu,jiadaduifuwuxiaoweiqiye、“sannong”he“5+1”xiandaichanyetixidengqingkuangdekaohebizhong。duiyianguidingtuoshanlvxingdanbaoshenhezhizedeyewurenyuanshixingjinzhimianze。

(shijiu)jianquanbuliangzichanchuzhijizhi。canzhaojinrongqiyedaizhanghexiaoguanlibanfa,jianlijianquanrongzidanbaogongsibuliangzichanchuzhijizhi,jiakuaiquanshengrongzidanbaogongsibuliangzichanchuzhi。zhichiquanguoxingjinrongzichanguanligongsi、difangzichanguanligongsicanyurongzidanbaogongsibuliangzichanchuzhi,tansuozujianquanshengrongzidanbaodaichangfengxianchuzhifuwujigou,zengqiangrongzidanbaogongsiliudongxing。duirongzidanbaogongsiyifabanlidi(zhi)yadengjidengjiyujinrongjigoutongdengdaiyu。

(ershi)luoshicaishuifuchi。luoshicaizhengbu、gongyehexinxihuabuheshengzhengfuduirongzidanbaogongsijiangfeijiangbu、zibenjinbuchong、fengxianbuchangdengfangmiandezhichizhengce,jinyibucujinrongzidanbaogongsikuodaduixiaoweiqiye、“sannong”jizhongdianchanye、zhongdianxiangmurongzidanbaoyewuguimo,jiangdirongzichengben。luoshi《caizhengbuguojiashuiwuzongjuguanyuzhongxiaoqiyerongzi(xinyong)danbaojigouyouguanzhunbeijinqiyesuodeshuishuiqiankouchuzhengcedetongzhi》(caishui〔2017〕22hao)dengzhengce,duifuhetiaojianderongzidanbaogongsishishidanbaopeichangzhunbeijin、weidaoqizerenzhunbeijinqiyesuodeshuishuiqiankouchu,yijimianzhengzengzhishui、xibudakaifaqiyesuodeshuishuilvyouhuidengzhengce。

凯发体育app gedigeyouguanbumen(danwei)yaoanzhaodangzhongyangguowuyuanjuecebushuheshengweishengzhengfugongzuoyaoqiu,gesiqizhi,qianghuaxiezuo,chixutuidongjianquanwoshengrongzidanbaotixi,cujinxingyeguifanfazhan,qieshizengqiangfuwushitijingjinengli。

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