Wenzhou politics draws the "financial flowing water" for enterprises.
This reporter Le Jiachao reported recently, Wenzhou, Zhejiang actively open government procurement and financial services channels, to achieve "government, business, and silver" three party information exchange, and financial support to deepen private and small and micro enterprises financial services comprehensive reform pilot as an opportunity to innovate fiscal support policy and financial products exclusive Banking Integration, to create "financial drainage, information sharing, enterprise bank" The "win-win" government procurement credit financing mode helps SMEs actively to solve the financing problems.
According to the relevant person in charge of Wenzhou Municipal Finance Bureau, in order to increase support and help small and medium-sized enterprises to effectively finance, the city uses the characteristics of government procurement funds to pay fast and credit well, providing stable repayment sources for suppliers credit financing for SMEs, opening up channels for government procurement and credit financing, and forming a closed loop of financing capital flows based on contract payment agreement. The Finance Bureau of the city requires all levels of financial departments to accelerate the smooth operation of credit financing for government procurement. The establishment of financial and exclusive products and procurement bidding (transaction) information sharing and interworking channels, to provide relevant technical services support, do a good job of coordination, but the finance department shall not provide any form of guarantee for the relevant financing projects. At the same time, the Municipal Finance Bureau has also actively supported the financial support to deepen the related policies of comprehensive reform of financial services in private and small and micro enterprises, covering the field of government procurement credit financing, giving financial incentives and financial funds competitive support, giving full play to the bonus and bonus benefits, stimulating the enthusiasm of banking financial institutions to provide financial services for government procurement, and reducing the difficulty of credit financing for SMEs. We should effectively reduce the cost of credit financing for SMEs in government procurement.
The Wenzhou Municipal Finance Bureau also put forward clear requirements for purchasers and agencies to actively support SMEs' credit financing. The Finance Bureau of the city emphasizes that purchasers should do well in policy propaganda, facilitate the participation of SMEs in credit financing, and provide assistance to banks in checking and checking the information of government procurement bid (transaction). For a government procurement contract intended to be used for credit financing when signing a contract, it should be noted that the financing bank and account number are the only account receivable. After the signing of the government procurement contract, the supplier's application for credit financing has resulted in the change of the receipts bank and account, which should be supplemented and filed with the supplier. The government procurement contract has been issued without written consent from the cooperative bank. The contract shall not be amended, altered or otherwise supplemented. Suppliers are required to submit performance bonds in the form of performance bond. In accordance with the contract, the purchase funds (including financial and non-financial funds) should be paid to the receipts bank and account receivable specified in the record contract in time to ensure the safe recovery of loan funds. Government procurement agencies should give full play to the role of bridges and links, do well in communication, coordination and publicity and promotion, and inform the SMEs in the process of publishing procurement information, making procurement documents, issuing notice and signing contracts, and so on. When issuing the results announcement, the basic information of the winning bidder will be submitted to the financial department through the statistical table of the bid information of government procurement.
In addition, Wenzhou has also helped small and medium-sized enterprises in the government procurement of credit financing to "afford, borrow quickly and use skillfully" by raising interest rates, tightening processing time limits and expanding the scope of use. Among them, in terms of interest rates, the city proposes that the interest rate of government procurement credit financing will float more than 10 percentage points on the basis of the general SME credit financing loan interest rate, and conditional financial institutions can give greater concessions. Small and medium enterprises credit loans of not more than 3 million yuan, can be the longest five months (February to June) the highest in accordance with the one-year LPR (market quotation rate) 40% to calculate the interest rate of financial interest discount, and effectively reduce the cost of financing. In terms of loan processing time, the city requires banks to commit to submit full information when they are finalists, and to complete the loan examination and approval no more than 5 working days. When the supplier puts forward the loan application to complete the loan without more than 2 working days, the application material does not exceed 9, and the processing link does not exceed 4, so as to ensure that the financing efficiency is effectively promoted. In terms of the scope of use, the city clearly encourages the conditional financial institutions to provide comprehensive credit products for SMEs' government procurement of credit financing. Enterprises can co-ordinate the arrangement of credit lines for credit loans, acceptance of bills of exchange, performance bonds, and so on, so as to reduce the pressure of enterprises' underwriting and fund enterprises.
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Source: China government procurement report 945th issue Second Edition