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| Notice of the Ministry of Finance and the Ministry of Industry and Information Technology on Issuing the Administrative Measures on the Credit Guarantee Funds for Small and Medium Enterprises | | 财政部、工业和信息化部关于印发《中小企业信用担保资金管理办法》的通知 |
(No. 97 [2012] of the Ministry of Finance) | |
（财企[2012]97号） |
The public finance departments (bureaus) and departments in charge of small and medium enterprises of all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning, and the Public Finance Bureau and the Department in Charge of Small and Medium Enterprises of Xinjiang Production and Construction Corps: | |
各省、自治区、直辖市、计划单列市财政厅（局）、中小企业主管部门，新疆生产建设兵团财务局、工业和信息化委员会： |
To further regulate and improve the management of the credit guarantee funds for small and medium enterprises, the Ministry of Finance and the Ministry of Industry and Information Technology amended the Interim Administrative Measures on the Credit Guarantee Funds for Small and Medium Enterprises. The amended version is hereby issued to you for your compliance and implementation. | |
为进一步规范和完善中小企业信用担保资金管理，财政部、工业和信息化部对《中小企业信用担保资金管理暂行办法》进行了修改。现将修改后的《中小企业信用担保资金管理办法》印发给你们，请遵照执行。 |
Annex: Administrative Measures on the Credit Guarantee Funds for Small and Medium Enterprises | |
附件：中小企业信用担保资金管理办法 |
Ministry of Finance | |
财政部 |
Ministry of Industry and Information Technology | |
工业和信息化部 |
May 25, 2012 | |
二○一二年五月二十五日 |
Annex: | |
附件： |
Administrative Measures on the Credit Guarantee Funds for Small and Medium Enterprises | |
中小企业信用担保资金管理办法 |
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| Chapter I General Provisions | | 第一章 总 则 |
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| Article 1 To regulate and strengthen the management of the credit guarantee funds for small and medium enterprises and improve the use efficiency of such funds, these Measures are formulated pursuant to the Budget Law of the People's Republic of China, the Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises and other relevant laws and regulations. | | 第一条 为规范和加强中小企业信用担保资金管理，提高资金使用效率，根据《中华人民共和国预算法》、《中华人民共和国中小企业促进法》等法律、法规的有关规定，制定本办法。 |
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| Article 2 The credit guarantee funds for small and medium enterprises (hereinafter referred to as “guarantee funds”) which are appropriated by the central fiscal budget and exclusively used for supporting the credit guarantee institutions (hereinafter referred to as “guarantee institutions”) and the credit re-guarantee institutions (hereinafter referred to as “re-guarantee institutions”) for small and medium enterprises in increasing their business capacity, expanding their guarantee businesses for small and medium enterprises and improving the financing environment for small and medium enterprises, especially for micro and small enterprises. | | 第二条 中小企业信用担保资金（以下简称担保资金）是由中央财政预算安排，专门用于支持中小企业信用担保机构（以下简称担保机构）、中小企业信用再担保机构（以下简称再担保机构）增强业务能力，扩大中小企业担保业务，改善中小企业特别是小型微型企业融资环境的资金。 |
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| Article 3 The division of medium, small and micro enterprises as mentioned in these Measures shall be governed by the relevant state provisions. | | 第三条 本办法所称中型、小型、微型企业的划分标准，按照国家规定执行。 |
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| Article 4 Guarantee funds shall be used and managed in line with the principles of openness, transparency, designated purposes, scientific management and intensified supervision, shall be used in a lawful, safe and efficient manner, and shall give priority to the central and western regions. | | 第四条 担保资金的使用和管理应当遵循公开透明、定向使用、科学管理、加强监督的原则，确保资金使用规范、安全和高效，并向中西部地区倾斜。 |
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| Article 5 The Ministry of Finance shall be responsible for the budget control and appropriation of guarantee funds, determine the fund allocation plans for projects together with the Ministry of Industry and Information Technology, and oversee and inspect the use of such funds. | | 第五条 财政部负责担保资金的预算管理及资金拨付，会同工业和信息化部确定项目资金分配方案，并对资金的使用情况进行监督检查。 |
The Ministry of Industry and Information Technology shall determine annual support priorities of guarantee funds together with the Ministry of Finance, establish management systems for projects using guarantee funds, organize the application for and examination of projects, oversee and inspect the implementation of projects, and reserve guarantee (re-guarantee) projects on the basis of business information filed by guarantee institutions. | |
工业和信息化部会同财政部确定担保资金的年度支持重点，建立担保资金项目管理系统，组织项目申报和审核，并对项目实施情况进行监督检查，在担保机构业务信息报送工作基础上开展担保（再担保）项目储备工作。 |
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| Chapter II Forms and Amounts of Support | | 第二章 支持方式及额度 |
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| Article 6 Guarantee funds shall provide support in the following forms: | | 第六条 担保资金采取以下几种支持方式： |
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| 1. Operating subsidies: to encourage guarantee and re-guarantee institutions to provide financing guarantee (re-guarantee) services for small and medium enterprises especially micro and small ones. For the guarantee business operated for medium, small and micro enterprises by guarantee institutions which satisfy the requirements prescribed by these Measures, operating subsidies accounting for less than 1%, 2% and 3% of the average annual balance of outstanding guaranteed amount may be granted respectively; for the re-guarantee business operated for medium enterprises and small and micro enterprises by guarantee institutions which satisfy the requirements prescribed by these Measures, operating subsidies accounting for less than 0.5% and 1% of the average annual balance of outstanding guaranteed amount shall be granted respectively. | | （一）业务补助。鼓励担保机构和再担保机构为中小企业特别是小型微型企业提供担保（再担保）服务。对符合本办法条件的担保机构开展的中型、小型、微型企业担保业务，分别按照不超过年平均在保余额的1%、2%、3%给予补助。对符合本办法条件的再担保机构开展的中型和小型微型企业再担保业务，分别按照不超过年平均在保余额的0.5%和1%给予补助。 |
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| 2. Guarantee fee subsidies: to encourage guarantee institutions to provide guarantee services for small and medium enterprises at low rates. Subsidies shall be given for the guarantee business for small and medium enterprises as operated, without raising other charging rates, by guarantee institutions at a rate lower than 50% of the bank's benchmark interest rate over the same period, while the amount of subsidies shall not exceed the difference between 50% of the bank's benchmark interest rate over the same period and the actual guarantee rate. Priority shall be given to guarantee services provided for micro and small enterprises at low rates. | | （二）保费补助。鼓励担保机构为中小企业提供低费率担保服务。在不提高其他费用标准的前提下，对担保机构开展的担保费率低于银行同期贷款基准利率50%的中小企业担保业务给予补助，补助比例不超过银行同期贷款基准利率50%与实际担保费率之差，并重点补助小型微型企业低费率担保业务。 |
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| 3. Capital support: to encourage guarantee institutions to enlarge capital scale, improve credit level and increase business capacity. Under special circumstances, capital not exceeding 30% of the newly added capital contributions may be granted to guarantee and re-guarantee institutions which meet the requirements prescribed by these Measures. | | （三）资本金投入。鼓励担保机构扩大资本规模，提高信用水平，增强业务能力。特殊情况下，对符合本办法条件的担保机构、再担保机构，按照不超过新增出资额的30%给予注资支持。 |
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| 4. Others: other forms to encourage and guide guarantee and re-guarantee institutions to operate the credit guarantee (re-guarantee) business for small and medium enterprises. | | （四）其他。用于鼓励和引导担保机构、再担保机构开展中小企业信用担保（再担保）业务的其他支持方式。 |
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| Article 7 Guarantee and re-guarantee institutions which satisfy the requirements prescribed by these Measures can simultaneously apply for support provided in two or more of the above-mentioned forms, but the amount of guarantee funds granted to a single guarantee institution may not exceed 20 million yuan, and the amount granted to a single re-guarantee institution may not exceed 30 million yuan (excluding the form of capital support). | | 第七条 符合本办法条件的担保机构、再担保机构可以同时申请以上不限于一项支持方式的资助，但单个担保机构当年获得担保资金的资助额最多不超过2000万元，单个再担保机构当年获得担保资金的资助额最多不超过3000万元。（资本金投入方式除外） |
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Chapter III Application Qualifications and Requirements
．．．．．． | | 第三章 申请条件及要件
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