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針對符(fu)合(he)國家產(chan)業政(zheng)(zheng)策的(de)小微(wei)企業自身抵押(ya)和擔(dan)(dan)(dan)保(bao)條件不足的(de)問題，廣(guang)西再(zai)擔(dan)(dan)(dan)保(bao)公司成功建立“國家融(rong)(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)基(ji)金(jin)—省(sheng)(sheng)級(ji)再(zai)擔(dan)(dan)(dan)保(bao)機(ji)(ji)構(gou)(gou)(gou)—基(ji)層(ceng)融(rong)(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)機(ji)(ji)構(gou)(gou)(gou)”三層(ceng)融(rong)(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)體系，在廣(guang)西創新推出“4222”業務(wu)，并有效推動“4321”政(zheng)(zheng)銀擔(dan)(dan)(dan)風(feng)險分(fen)擔(dan)(dan)(dan)業務(wu)向(xiang)“4222”業務(wu)轉(zhuan)移（即(ji)由(you)政(zheng)(zheng)府性(xing)融(rong)(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)機(ji)(ji)構(gou)(gou)(gou)、廣(guang)西再(zai)擔(dan)(dan)(dan)保(bao)公司、銀行(xing)業金(jin)融(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)、融(rong)(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)業務(wu)發生地設區市或(huo)縣(xian)級(ji)財政(zheng)(zheng)按(an)照4∶3∶2∶1的(de)比例分(fen)擔(dan)(dan)(dan)代償責任(ren)的(de)“4321”項目轉(zhuan)變為(wei)由(you)政(zheng)(zheng)府性(xing)融(rong)(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)機(ji)(ji)構(gou)(gou)(gou)、廣(guang)西再(zai)擔(dan)(dan)(dan)保(bao)公司、銀行(xing)業金(jin)融(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)、國家融(rong)(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)基(ji)金(jin)按(an)照4∶2∶2∶2比例承擔(dan)(dan)(dan)風(feng)險的(de)“4222”項目），多(duo)方合(he)力共(gong)同為(wei)小微(wei)企業提(ti)供融(rong)(rong)(rong)資(zi)擔(dan)(dan)(dan)保(bao)服務(wu)，切實解決(jue)小微(wei)企業融(rong)(rong)(rong)資(zi)難(nan)、融(rong)(rong)(rong)資(zi)貴(gui)問題。據(ju)統計，廣(guang)西再(zai)擔(dan)(dan)(dan)保(bao)公司已累計為(wei)4262戶次小微(wei)企業降低企業融(rong)(rong)(rong)資(zi)成本(ben)4.36億元；平(ping)均(jun)單戶企業單次融(rong)(rong)(rong)資(zi)節省(sheng)(sheng)成本(ben)10.23萬元，成本(ben)降幅達30%以(yi)上(shang)。

除國家限制行(xing)(xing)業(ye)(ye)(ye)外，各行(xing)(xing)業(ye)(ye)(ye)小微(wei)企(qi)(qi)業(ye)(ye)(ye)均(jun)可向簽訂了(le)合作協議的(de)政(zheng)府性融資(zi)(zi)(zi)擔(dan)(dan)(dan)保(bao)(bao)(bao)機構或銀(yin)(yin)行(xing)(xing)直接(jie)提出總額不(bu)超(chao)(chao)過(guo)2000萬(wan)元(yuan)(yuan)的(de)擔(dan)(dan)(dan)保(bao)(bao)(bao)貸(dai)(dai)款(kuan)(kuan)申請，經審(shen)核(he)后，符合“老板信用好、產品有市場、經融資(zi)(zi)(zi)支(zhi)持后現金(jin)流(liu)正常”條(tiao)件的(de)企(qi)(qi)業(ye)(ye)(ye)大(da)多能夠得到銀(yin)(yin)行(xing)(xing)的(de)擔(dan)(dan)(dan)保(bao)(bao)(bao)貸(dai)(dai)款(kuan)(kuan)支(zhi)持，享受優(you)惠(hui)的(de)擔(dan)(dan)(dan)保(bao)(bao)(bao)費(fei)率(lv)(lv)。對(dui)單戶1000萬(wan)元(yuan)(yuan)及(ji)以(yi)下(xia)的(de)小微(wei)企(qi)(qi)業(ye)(ye)(ye)、“三農(nong)”和創(chuang)業(ye)(ye)(ye)創(chuang)新(xin)主體收(shou)取的(de)擔(dan)(dan)(dan)保(bao)(bao)(bao)費(fei)率(lv)(lv)原則(ze)上不(bu)超(chao)(chao)過(guo)1%，較平均(jun)年化商業(ye)(ye)(ye)擔(dan)(dan)(dan)保(bao)(bao)(bao)費(fei)率(lv)(lv)標(biao)準優(you)惠(hui)67%；對(dui)于擔(dan)(dan)(dan)保(bao)(bao)(bao)項目融資(zi)(zi)(zi)金(jin)額在 1000 萬(wan)元(yuan)(yuan)以(yi)上 2000 萬(wan)元(yuan)(yuan)及(ji)以(yi)下(xia)的(de)小微(wei)企(qi)(qi)業(ye)(ye)(ye)、“三農(nong)”和創(chuang)業(ye)(ye)(ye)創(chuang)新(xin)主體，收(shou)取年化擔(dan)(dan)(dan)保(bao)(bao)(bao)費(fei)率(lv)(lv)原則(ze)上不(bu)超(chao)(chao)過(guo) 1.5%。同(tong)時引導銀(yin)(yin)行(xing)(xing)業(ye)(ye)(ye)金(jin)融機構實行(xing)(xing)優(you)惠(hui)貸(dai)(dai)款(kuan)(kuan)利率(lv)(lv)，上浮幅度(du)不(bu)超(chao)(chao)過(guo)30%。按照現行(xing)(xing)費(fei)率(lv)(lv)，企(qi)(qi)業(ye)(ye)(ye)年化融資(zi)(zi)(zi)成(cheng)本由10%左右（商業(ye)(ye)(ye)擔(dan)(dan)(dan)保(bao)(bao)(bao)融資(zi)(zi)(zi)模式）降(jiang)(jiang)低至6.65%左右，降(jiang)(jiang)低約3.35%。

【責任編輯：語謙】