信用贷款加盟(深圳市工业和信息化局 深圳市财政局关于印发《深圳市中小微企业银行贷款风险补偿资)，36创业加盟网给大家带来详细的介绍，让更多的人可以参考:信用贷款加盟(深圳市工业和信息化局 深圳市财政局关于印发《深圳市中小微企业银行贷款风险补偿资)。

（六）对于确实无法收回的不良贷款，管理机构应在收到加盟银行的验证批准文件后的10天内完成审核，并提供有关审核结果的反馈。应定期检查加盟银行的不良贷款总结贷款补偿核查情况，并每半年向主管部门报告此类不良贷款的信息。

第21条加盟银行在2020年1月1日至本规则实施之前发生的共同借款人，个体工商户和小型微型企业所有者的不良贷款，应按照《步骤如下：

（一） 加盟在执行这些规则后的30天内，银行将按照规则的规定，用剩余余额补充贷款项目的主要数据，并将其添加到“贷款项目数据库”中，并于2020年向高新投资集团提出申请。新的不良贷款项目将于当月1月1日后抄录到“不良贷款项目库”中，并应及时提出赔偿申请（应当从上述标准中扣除相应的赔偿额。）中国人民银行信用报告中心在“不良贷款项目库”的前五天内发布“信用报告”。

（二）高新投资集团将在收到完整的申请材料后30天内完成审查，并将审查结果通知加盟银行，加盟银行可以申请对查看结果。

（三）通过审查的风险补偿项目将由市工业和信息化局在线公布，后续工作将按照第十九条和第二十条的程序进行

第5章预算管理

第二十二条风险补偿基金预算由市工业和信息化局提出，并纳入市财政局部门预算管理，并与部门一般公共预算同时编制：

（一）市工业和信息化局应在将下一年的单位预算计划首先报告给财务部门的两周前，提出下一年的风险补偿基金的规模，并向财务部门报告。由市财政局审核并在下一年的预算中列出。

（二）市财政局根据预算管理要求进行审查，并将专项资金预算与部门的一般公共预算一起提交市政府批准，并经市人大批准，将专项资金预算分配协议委托给资金管理机构，预算由管理机构执行。

第23条信用贷款加盟，在以下情况下可以进行预算调整：

（一）年内有重大支出项目超出计划。根据规定，市工业和信息化局提出增加预算要求。市财政局审查并向市政府报告进行审批，然后按照预算调整程序进行操作。

（二）市政府指定的其他情况。

第六章监督与管理

第24条设置了以下3个指标来评估每个加盟银行的年度绩效：

（一）该年在贷款项目库中收到的贷款总额。

（二）当年“贷款项目库”中的小型和微型企业家人数。

（三）中小企业贷款总额本年度的同比增长率（以下简称同比增长率），即本文第一项中的贷款总额相对于上一年的贷款总额的增加。该指标来自资金池，计算将在启动的第二年开始。

第25条加盟家银行的年度绩效评估分为四个级别：“优秀”，“好”，“合格”和“不合格”。

加盟符合以下条件的银行的年度表现将被评为“优秀”：

（一）从高到低排名，“贷款项目库”中的贷款总额排名前60％（包括数量），或者数据库中的小型和微型企业家数量排名前60％前60％（包括数字）。

（二）从高到低排名，该年的同比增长率排名前15％（包括该数字）。

（三）不违反这些规则。

加盟 The bank complies with the provisions of item一、, paragraph 2 of this article, and the year-on-year growth rate of the year is ranked in the top 15% (excluding the number) to 30% (including the number), and the annual performance evaluation is "good ".

加盟 If one of the following situations occurs in the bank, the annual performance evaluation is "unqualified":

(一）The total amount of loans received by the "Loan Project Library" and the number of small and micro entrepreneurs in the library that year both declined year-on-year (except for the decline in all 加盟 banks).

(二） violated these rules.

If the 加盟 bank does not fall under the circumstances specified in the above paragraphs 二、三、, the annual performance evaluation is "qualified".

Article 26 加盟 If a bank is assessed as unqualified for 2 consecutive years, it shall be disqualified for 加盟 and can only apply for 加盟 again after 2 years.

Article 27 加盟 Banks shall, in accordance with the provisions of these rules, provide performance evaluation instructions for their services to small, medium and micro enterprises in the previous year before the end of February each year, and report to Gaoxin Investment Group for re-evaluation and ranking, re-evaluation and The ranking results are reported to the competent authority for the record.

Article 28. The Municipal Bureau of Industry and Information Technology shall improve the supervision mechanism, carry out daily supervision and inspection of the implementation of funded projects and the use of funds, and cooperate with the Municipal Finance Bureau to carry out supervision and inspection from time to time. Entrust an intermediary agency to conduct an audit. For projects reviewed by third-party intermediary agencies, inspections, random inspections, and post-event evaluations are adopted to inspect and supervise the quality of work. If a third-party intermediary agency makes an audit error due to its own reasons, the Municipal Bureau of Industry and Information Technology shall pursue its corresponding responsibility in accordance with relevant regulations.

Article 29 The Municipal Bureau of Industry and Information Technology shall conduct a performance evaluation on the overall use of funds and copy the results to the Municipal Finance Bureau; the evaluation results will be used as the project unit to declare the project qualification review, arrange the annual budget and 加盟 bank An important basis for the qualification review of the declared project.

The Municipal Finance Bureau organizes and implements key evaluations as needed.

Article 30 is for 加盟 banks to declare multiple municipal financial funds for the same project, fail to accurately classify loan risks in accordance with relevant regulations or provide false materials, and fraudulently claim, withhold, embezzle, or squeeze funding funds, etc. For disciplinary actions, the competent authority shall order corrections and recover all compensation funds, depending on the severity of the circumstances to decide whether to cancel their 加盟 banking qualifications, and those who violate relevant laws and regulations shall be held accountable in accordance with the regulations. Those suspected of committing crimes shall be transferred to judicial organs for handling in accordance with the law.

For units that have violated the above-mentioned regulations, the Municipal Bureau of Industry and Information Technology shall report the handling results to the competent department of the industry.

Article 31 The Municipal Bureau of Industry and Information Technology shall supervise the review, evaluation and audit of third-party intermediary agencies. Where intermediary agencies engage in fraud, conceal facts, or collude with compensation fund applicants to cheat and issue relevant reports, they shall be disqualified from reviewing, evaluating and auditing the project and funds, and shall be subject to relevant national, provincial, and municipal regulations on joint punishment for untrustworthiness Deal with it and pursue legal liabilities according to law; if a crime is suspected, it shall be transferred to judicial organs for handling according to law.

Article 32 As of the date of declaration 加盟 If banks have committed major administrative penalties due to misappropriation of loan funds from small and micro enterprises to non-production operations, or major cases due to internal management issues, they shall not be listed within 1 year. Into the funding plan.

Article 33. In the process of fund operation and management, if the management agency has falsified, concealed the truth, colluded with 加盟 banks or borrowing companies, etc., once verified, the management qualification shall be cancelled and the municipal enterprise credit shall be notified The information center also punishes relevant units and responsible persons in accordance with relevant laws, regulations, and rules. Anyone who causes a loss of compensation funds shall be investigated for legal responsibility according to law. Those suspected of crimes shall be transferred to judicial organs for handling in accordance with the law.

Article 34 The Municipal Bureau of Industry and Information Technology, the Municipal Finance Bureau and other departments shall supervise and inspect the execution, use, and management of the fund pool budget according to their respective duties.

Administrative agencies, management agencies and their staff who fail to perform their duties or perform their duties incorrectly in the management of special compensation funds shall be investigated for administrative responsibility in accordance with the law. Those suspected of crimes shall be transferred to judicial organs for handling in accordance with the law.

第七章补充条款

Article 35 The Municipal Bureau of Industry and Information Technology and the Municipal Finance Bureau are responsible for the interpretation of these rules.

Article 36 These rules shall be implemented on March 1, 2020, and shall be valid for 3 years. The "Shenzhen Small, Medium and Micro Enterprise Bank Loan Risk Compensation Fund Pool Management Implementation Rules (for Trial Implementation)" (Shen Gong Xin Gui [2020] No. 1) shall be repealed at the same time.

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