四部门发布《关于实施民间投资专项担保计划的通知》

Core Viewpoint - The notice outlines the implementation of a special guarantee plan for private investment, aiming to stimulate private investment vitality and support key sectors such as technology innovation and small and medium-sized enterprises (SMEs) [1][2]. Group 1: Overall Requirements - The plan is guided by Xi Jinping's thoughts and aims to enhance the capacity of government financing guarantees, ensuring a sustainable and inclusive financing guarantee system [2]. - The initiative seeks to channel financial resources to support the expansion of high-quality goods and services through private investment [2]. Group 2: Implementation Plan - The total amount for the special guarantee plan is set at 500 billion yuan, to be implemented over two years [3]. - Eligible SMEs can access loans for various operational activities, including equipment purchases, technological upgrades, and expansion in sectors like health, culture, and tourism [3]. - SMEs must meet specific criteria, such as not being listed as abnormal business entities or having a history of significant legal violations [3]. Group 3: Risk Sharing and Cost Reduction - Banks will bear at least 20% of the loan risk, while the government financing guarantee system will cover up to 80% [4]. - The guarantee fee rates will be reduced, with the central government supporting a halving of re-guarantee fees, ensuring that the actual burden on private enterprises does not exceed 1% [4]. - The maximum guarantee amount per loan is capped at 20 million yuan, with incentives for high-quality projects in key sectors [4]. Group 4: Compensation and Innovation - The government will provide risk compensation for new compensation expenditures related to the plan, with the annual business scale of the guarantee fund determined by financing needs [5]. - The plan encourages the development of innovative financing products, such as "supply chain + financing guarantee" and "scene finance + digital currency" [6]. - The central government will inject 5 billion yuan into the guarantee fund to enhance its capital strength and support effective institutions [6]. Group 5: Organizational Implementation - The Ministry of Finance will oversee the risk compensation funds and ensure effective risk control [7]. - Financial management departments will enforce strict loan usage audits and increase long-term loan issuance [8]. - Local financial departments are encouraged to support guarantee institutions with risk compensation and performance evaluations based on the plan's impact [8].