四部门：实施民间投资专项担保计划

Core Viewpoint - The Ministry of Finance, the Ministry of Industry and Information Technology, the People's Bank of China, and the Financial Regulatory Administration jointly announced a special guarantee plan for private investment, aiming to stimulate private investment vitality and support key sectors such as expanding domestic demand and technological innovation [1][2]. Group 1: Overall Requirements - The plan is guided by Xi Jinping's thought and aims to enhance the government's financing guarantee capabilities, ensuring a multi-layered, broad coverage, and sustainable financing guarantee system to support private investment [2]. Group 2: Implementation Plan - The total amount of the special guarantee plan is set at 500 billion yuan, to be implemented over two years [3]. - Eligible small and medium-sized enterprises (SMEs) can access loans for various purposes, including equipment purchases, technological upgrades, and business operations, provided they meet specific criteria [3]. - 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 fee for private enterprises does not exceed 1% [4]. - The single credit guarantee limit for loans under this plan is capped at 20 million yuan, with encouragement for support in key strategic areas [4]. - The compensation rate for government financing guarantees for SMEs' long-term loans will be increased from 4% to 5% [4]. Group 3: Risk Compensation and New Product Exploration - The central government will provide risk compensation for new compensation expenditures under this plan, with the annual scale of the financing guarantee fund determined by the Ministry of Finance based on financing needs [5]. - Innovative financing models, such as "supply chain + financing guarantee" and "scenario finance + digital currency," will be encouraged to support private investment [5]. - The central government will inject 5 billion yuan into the financing guarantee fund to enhance its capital strength and support effective government financing guarantee institutions [5]. Group 4: Organizational Implementation - The Ministry of Finance will oversee the risk compensation funds and ensure effective use of resources [6]. - Financial management departments will enforce strict loan purpose audits and increase long-term loan issuance [6]. - Local financial departments will provide support to guarantee institutions, considering various performance metrics in evaluations [6]. - The financing guarantee fund will refine operational arrangements with partner institutions and enhance monitoring of policy implementation [6].