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針對符合國家產業(ye)(ye)政策的(de)小微企業(ye)(ye)自身抵(di)押和擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)條件不足的(de)問題(ti)，廣西(xi)(xi)再(zai)(zai)(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)公(gong)(gong)司(si)成(cheng)(cheng)功建立(li)“國家融(rong)(rong)資(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)基(ji)金—省級再(zai)(zai)(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)構—基(ji)層融(rong)(rong)資(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)構”三層融(rong)(rong)資(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)體系，在(zai)廣西(xi)(xi)創新推出“4222”業(ye)(ye)務(wu)(wu)(wu)，并(bing)有效推動“4321”政銀(yin)(yin)擔(dan)(dan)(dan)(dan)風(feng)險(xian)分擔(dan)(dan)(dan)(dan)業(ye)(ye)務(wu)(wu)(wu)向“4222”業(ye)(ye)務(wu)(wu)(wu)轉移(yi)（即(ji)由(you)政府性(xing)融(rong)(rong)資(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)構、廣西(xi)(xi)再(zai)(zai)(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)公(gong)(gong)司(si)、銀(yin)(yin)行業(ye)(ye)金融(rong)(rong)機(ji)構、融(rong)(rong)資(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)業(ye)(ye)務(wu)(wu)(wu)發生(sheng)地設區(qu)市或縣級財政按照4∶3∶2∶1的(de)比例(li)分擔(dan)(dan)(dan)(dan)代償(chang)責任的(de)“4321”項(xiang)(xiang)目轉變為(wei)由(you)政府性(xing)融(rong)(rong)資(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)構、廣西(xi)(xi)再(zai)(zai)(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)公(gong)(gong)司(si)、銀(yin)(yin)行業(ye)(ye)金融(rong)(rong)機(ji)構、國家融(rong)(rong)資(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)基(ji)金按照4∶2∶2∶2比例(li)承擔(dan)(dan)(dan)(dan)風(feng)險(xian)的(de)“4222”項(xiang)(xiang)目），多(duo)方(fang)合力(li)共(gong)同(tong)為(wei)小微企業(ye)(ye)提供(gong)融(rong)(rong)資(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)服務(wu)(wu)(wu)，切(qie)實解決小微企業(ye)(ye)融(rong)(rong)資(zi)(zi)難(nan)、融(rong)(rong)資(zi)(zi)貴問題(ti)。據統(tong)計(ji)，廣西(xi)(xi)再(zai)(zai)(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)公(gong)(gong)司(si)已累計(ji)為(wei)4262戶次小微企業(ye)(ye)降低企業(ye)(ye)融(rong)(rong)資(zi)(zi)成(cheng)(cheng)本(ben)4.36億元(yuan)；平均(jun)單戶企業(ye)(ye)單次融(rong)(rong)資(zi)(zi)節省成(cheng)(cheng)本(ben)10.23萬元(yuan)，成(cheng)(cheng)本(ben)降幅達30%以上。

除(chu)國(guo)家限制(zhi)行(xing)(xing)業(ye)(ye)(ye)(ye)外，各行(xing)(xing)業(ye)(ye)(ye)(ye)小(xiao)(xiao)微企(qi)業(ye)(ye)(ye)(ye)均(jun)可(ke)向簽(qian)訂了(le)合作協(xie)議的(de)政府(fu)性融(rong)(rong)資(zi)擔(dan)保(bao)機構(gou)或銀行(xing)(xing)直接提(ti)出總額(e)不超(chao)過(guo)2000萬元(yuan)的(de)擔(dan)保(bao)貸款(kuan)申請，經審核后(hou)，符合“老(lao)板信用好(hao)、產品有(you)市(shi)場、經融(rong)(rong)資(zi)支持后(hou)現(xian)金(jin)(jin)流正常”條(tiao)件(jian)的(de)企(qi)業(ye)(ye)(ye)(ye)大多能夠得到(dao)銀行(xing)(xing)的(de)擔(dan)保(bao)貸款(kuan)支持，享(xiang)受優(you)(you)惠(hui)的(de)擔(dan)保(bao)費(fei)(fei)率(lv)(lv)。對(dui)單(dan)戶1000萬元(yuan)及以下的(de)小(xiao)(xiao)微企(qi)業(ye)(ye)(ye)(ye)、“三(san)農(nong)”和(he)創業(ye)(ye)(ye)(ye)創新主體收(shou)取的(de)擔(dan)保(bao)費(fei)(fei)率(lv)(lv)原(yuan)(yuan)則上(shang)不超(chao)過(guo)1%，較平均(jun)年化商業(ye)(ye)(ye)(ye)擔(dan)保(bao)費(fei)(fei)率(lv)(lv)標(biao)準優(you)(you)惠(hui)67%；對(dui)于擔(dan)保(bao)項目(mu)融(rong)(rong)資(zi)金(jin)(jin)額(e)在 1000 萬元(yuan)以上(shang) 2000 萬元(yuan)及以下的(de)小(xiao)(xiao)微企(qi)業(ye)(ye)(ye)(ye)、“三(san)農(nong)”和(he)創業(ye)(ye)(ye)(ye)創新主體，收(shou)取年化擔(dan)保(bao)費(fei)(fei)率(lv)(lv)原(yuan)(yuan)則上(shang)不超(chao)過(guo) 1.5%。同時引導銀行(xing)(xing)業(ye)(ye)(ye)(ye)金(jin)(jin)融(rong)(rong)機構(gou)實(shi)行(xing)(xing)優(you)(you)惠(hui)貸款(kuan)利率(lv)(lv)，上(shang)浮幅度不超(chao)過(guo)30%。按照現(xian)行(xing)(xing)費(fei)(fei)率(lv)(lv)，企(qi)業(ye)(ye)(ye)(ye)年化融(rong)(rong)資(zi)成(cheng)本由10%左右(you)（商業(ye)(ye)(ye)(ye)擔(dan)保(bao)融(rong)(rong)資(zi)模式）降低至6.65%左右(you)，降低約3.35%。

【責任編輯：語謙】