Implementation Plan for the Reform of the Management System of Poverty Alleviation Interest Subsidized Loans in the Guangxi Zhuang Autonomous Region
Notice on the Issuance of the Implementation Plan for the Reform of the Management System of the Guangxi Zhuang Autonomous Region Poverty Alleviation Interest Subsidized Loans
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All city and county poverty alleviation offices and finance bureaus, all central branches and county branches of the People's Bank of China in Guangxi District, all Guangxi banking regulatory branches of the China Banking Regulatory Commission, Chongzuo, Laibin, and Wuzhou supervisory offices:
According to the "Notice on Comprehensive Reform of the Poverty Alleviation Discount Loan Management System" (State Development Bank Development [2008]) of the State Council Poverty Alleviation Office, the Ministry of Finance, the People's Bank of China, and the China Banking Regulatory Commission (hereinafter referred to as the "four ministries") 29), combined with the actual situation of our region, and after careful study, the "Implementation Plan for the Reform of the Poverty Alleviation and Interest-Reduced Loan Management System of the Guangxi Zhuang Autonomous Region" was formulated. The plan has been submitted to the four ministries and commissions for filing and approved. It is now issued to you. Please implement it conscientiously.
Poverty Alleviation Office of Guangxi Zhuang Autonomous Region Finance Department of Guangxi Zhuang Autonomous Region
Nanning Central Branch of the People's Bank of China China Banking Regulatory Commission Guangxi Supervision Bureau
2008 July 15
Guangxi Zhuang Autonomous Region Poverty Alleviation Discounted Loans
Management System Reform Implementation Plan
In order to establish and improve a credit poverty alleviation management system that meets the requirements of the market economy and operation mechanism to improve the operational efficiency and effectiveness of poverty alleviation funds. According to the "Notice on Comprehensive Reform of the Poverty Alleviation Discount Loan Management System" (State Council Development [2008] No. 29) spirit, combined with the actual conditions of Guangxi, and after joint research by the Autonomous Region Poverty Alleviation Office, the Autonomous Region Finance Department, the Nanning Central Branch of the People's Bank of China, and the Guangxi Supervision Bureau of the China Banking Regulatory Commission, the following implementation plan has been formulated:
< p>1. Overall ideas and work objectivesThe overall idea of ??the reform of the poverty alleviation discount loan management system is: adhere to government guidance and adapt to market operations; decentralize management authority and introduce a competition mechanism; fix the interest discount level and flexibly provide subsidies methods; actively explore and establish risk prevention and incentive and restraint mechanisms.
Based on the above general idea, the goal of the reform of the poverty alleviation discount loan management system in our district is to create a fair competitive environment through appropriate decentralization of management authority and fully mobilize all relevant parties, including banking financial institutions. We should actively participate in poverty alleviation, give full play to our creativity, further increase support for poor households and leading enterprises in poverty alleviation, accelerate infrastructure construction and social undertakings development in poor areas, improve the use efficiency of poverty alleviation discount loans, and ensure that poor households benefit.
II. Basic Principles and Main Contents
(1) Basic Principles
In accordance with the above overall ideas and goal requirements, the reform of the poverty alleviation discount loan management system in our district follows The following basic principles:
1. The principle of unified responsibilities and rights
The management, use and benefits of poverty alleviation loans and interest discount funds are unified and the responsibility of the local government.
2. The principle of voluntariness, openness and fairness
Respect the independent operating status of banking financial institutions, encourage voluntary participation in poverty alleviation loans in accordance with commercial principles, and leverage their respective operating characteristics and business advantages , conduct open and fair competition and improve service levels.
3. Principle of benefiting poor households
The issuance of poverty alleviation loans must be closely related to ensuring food and clothing and increasing income of poor households, with priority being given to ensuring that poor households benefit.
4. The principle of encouraging advanced people
For places with outstanding poverty alleviation effects and obvious economic benefits, preference will be given when arranging interest subsidy funds; for places with difficulty in loan disbursement and low loan repayment rates, , reduce the amount.
(2) Main contents
1. Decentralize management authority
Appropriately delegate the management authority of poverty alleviation loans and interest discount funds:
( 1) Loans issued to poor households (hereinafter referred to as "household loans") and interest subsidy fund management authority are delegated to counties (cities, districts, hereinafter collectively referred to as counties);
(2) Loans issued to projects (hereinafter referred to as "project loans"), 20% of the interest discount funds will be transferred to the city.
2. Voluntary participation of banking financial institutions
Any banking financial institution that is willing to participate in poverty alleviation work can be the issuing entity (loan institution) of subsidized poverty alleviation loans. The principal of the loan is raised by the lending institution itself.
The loan interest rate is determined independently by the lending institution in accordance with the interest rate management regulations of the People's Bank of China and its loan interest rate pricing requirements. The loan term is flexibly determined by the loan institution based on the seasonal characteristics of local agricultural production, the production cycle of the loan project and the comprehensive repayment ability.
3. Standardize the direction of loan investment
Poverty alleviation loans are given priority to key counties for national poverty alleviation and development work (hereinafter referred to as national key counties) and key counties for poverty alleviation and development work in the autonomous region (hereinafter referred to as district key counties) ) and poor villages in non-key counties. Household loans should ensure that poor households benefit, focus on poor households, and be mainly used to develop production; for projects that help poor households to get rich together through capable people (large households), appropriate support can be given on the premise of clear poverty alleviation responsibilities . Project loans should focus on projects that are closely related to increasing the income of poor villages and poor households and improving production and living conditions, and increase support for small and medium-sized poverty alleviation enterprises that are in the growth stage, have close ties with the majority of poor households, and have strong driving forces to get rich. Project loans should be signed by the project implementation unit and the poverty alleviation department to sign a poverty alleviation responsibility letter to ensure that the poverty alleviation discount loan project is closely integrated with the poverty alleviation planning and key tasks, and closely integrated with the promotion of the development of local leading industries and the increase in the income of poor households.
4. Adjust interest discount policy
(1) Interest discount fund arrangement.
A. Source of interest discount funds. a. Fiscal interest discount funds specially allocated by the central government; b. Interest discount funds arranged by the autonomous region from the central and district-level fiscal poverty alleviation funds; c. Interest discount funds arranged by qualified cities and counties from the fiscal poverty alleviation funds at the same level.
The proportion of interest discount funds used for household loans among the fiscal interest discount funds issued by the central government shall be no less than 50%, and priority shall be given to meeting the needs of household loans in key national counties.
B． Interest discount funds are released. The Poverty Alleviation Office of the Autonomous Region, together with the Finance Department of the Autonomous Region, will allocate the interest subsidy funds and the corresponding poverty alleviation interest discount loan guidance plan to various regions based on the total amount of fiscal interest discount funds issued by the central government and arranged by the autonomous region, and based on factors such as the number of poor villages, the number of leading poverty alleviation enterprises, and the demand for poverty alleviation interest discount loans. . Among them, household loan interest subsidy funds and the corresponding guidance poverty alleviation interest discount loan guidance plan will be distributed to the county within one month after the central fiscal interest discount funds are released. The project loan interest discount fund plan and the corresponding guidance poverty alleviation interest discount loan guidance plan will be 80% of the scale of the previous year. It will be transferred to the city in the first quarter (at the same time, 20% of the interest discount funds transferred to the city will be allocated to the city), and the rest will be adjusted and arranged district-wide in the fourth quarter based on the loan issuance situation in various places.
C. Gradually establish an incentive and restraint mechanism. The amount of interest discount funds arranged by the autonomous region to cities and counties will be adjusted based on the performance of each city and county in poverty alleviation loan issuance and interest discounts in the previous year. When arranging interest discount funds, each city can make adjustments based on the loan disbursement status of each county.
(2) Fixed discount interest rate.
During the discount period, interest discounts will be provided at an annual interest rate of 5% for household loans and 3% for project loans.
(3) Interest discount period.
For interest discount funds issued by the autonomous region, the maximum period of each interest discount is one year. If the loan period is less than 1 year, the interest discount will be provided based on the actual period; if the loan period exceeds 1 year, the interest discount can be provided year by year in installments, but the same loan can be discounted twice at most, and each time the interest discount must be confirmed, declared, and processed in accordance with the prescribed procedures. Approval.
(4) Interest discount method.
Household loan interest discount funds can be subsidized to loan households directly or indirectly through loan institutions. The specific method is determined by each county. Direct subsidies to loan households are encouraged. Project loan interest discount funds are directly subsidized to project implementation units.
(5) Special account management.
Financial interest discount funds must be deposited into a special fiscal poverty alleviation fund account and implemented special account management. Interest subsidy funds shall not be used for other expenditures outside the scope of the interest subsidy. If there is any balance, it can be carried forward to the next year for further use.
5. Clarify departmental responsibilities
The poverty alleviation department is responsible for organization, coordination, supervision and monitoring, and provides guidance services, approval of poor households, project database construction, project identification and interest discount confirmation, etc. .
The financial department is responsible for the review and allocation of poverty alleviation loan interest discount funds, and participates in the construction of the project database and project identification.
Banking financial institutions are responsible for the approval of poverty alleviation loan projects, loan issuance and recovery, and on the premise of ensuring the safety of poverty alleviation discount credit funds, try to simplify procedures, relax loan conditions, and provide convenient and fast services.
The branches of the People's Bank of China at all levels in Guangxi are responsible for strengthening policy guidance and management of subsidized loans for poverty alleviation.
The banking regulatory department is responsible for the prudential supervision of the poverty alleviation discount loan business launched by lending banking financial institutions.
3. Specific operation methods and procedures
(1) Household loan operation methods and procedures
Household loans focus on poor households and are mainly used for development Production. The single-household loan limit, selection of loan institutions, determination of specific interest discount methods, allocation and release of interest discount funds and loan plans for household loans are still in accordance with the "Guangxi Zhuang Autonomous Region Poverty Alleviation Household Loan Implementation and Management Measures (Trial)" (Gui Kai Kai) Issue [2007] No. 90) is implemented. However, loans required by capable people (large households) who have clear poverty alleviation responsibilities and implement projects that help poor households get rich can also be supported, and the loan (interest discount) amount will be determined based on the number of poor households they bring.
(2) Project loan operation methods and procedures
1. Establishment of poverty alleviation loan project database
(1) Project database access scope.
Based on the loan investment direction and interest discount objects, the projects or project implementation units that can enter the poverty alleviation loan project database are mainly selected from the following ranges:
A. Leading poverty alleviation enterprises recognized by the country and autonomous regions;
B. Enterprises that are interested in entrepreneurship and development in key counties and impoverished villages, and can directly increase the income of poor farmers in terms of establishing industrial bases, processing and selling agricultural products, and absorbing labor from poor households to transfer employment;
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C. Various types of rural cooperative economic organizations, intermediary service organizations, and professional development associations established in key counties and poor villages that can independently bear legal responsibilities;
D. In key national counties Small and medium-sized infrastructure and social undertakings projects that have a direct effect on promoting the improvement of basic production and living conditions in poor villages and the development of education, culture and health services.
(2) Basic conditions for project identification.
A. It is in line with the local overall plan for poverty alleviation and development and the development plan of leading industries for poverty alleviation, and is closely integrated with the promotion of poverty alleviation and development in the entire village, relocation and resettlement of poverty alleviation in other places, and the transfer and employment of the labor force of poor households;
< p>B. Have specific goals and measures to promote industrial development in poor villages, help poor households increase their income, or improve the production and living conditions of poor villages and poor households;C. Project owners can independently assume legal responsibilities , operated in accordance with the law, the project has good economic benefits and poverty alleviation benefits, and is market competitive;
D. The project owner has a good reputation in the bank, can repay the loan principal and interest on time, has no fraudulent business practices, and has no bad credit records, No bad debt.
E. The direction of project loan use is in line with national industrial policies, environmental protection policies and quality management standard systems.
(3)Permissions and procedures for project identification.
According to the interest subsidy fund plan issued by the autonomous region and the corresponding loan guidance plan and the amount of interest subsidy funds arranged by the local area, each city will establish a poverty alleviation loan project library based on about 1.3 times the corresponding loan scale and the following procedures:
A. Declaration procedure. The project owner shall submit an application for a poverty alleviation interest discount loan project plan to the county or city poverty alleviation office where the project is located. In addition to clarifying the basic situation of the enterprise (including credit status), the project's market prospects, benefit forecasts, investment estimates and financing plans, the application must also explain the poverty alleviation function of the project. The main content is the name and scale of the development industry, and its radiation and driving effects. The number of poor villages and poor households, specific measures to ensure that poor households directly benefit, and the goal of directly increasing the income of poor households, etc. Attach the following materials:
a. Project coverage area and list of poor households (Attachment 1);
b. Radiation-driven poverty reduction agreement signed between the enterprise and the county or city poverty alleviation office where the project is located Agreement on the construction of production (breeding) bases for villages and poor households (Attachment 2);
c. Basic information registration form for poverty alleviation and interest subsidy loan projects (Attachment 3);
d. Project Feasibility report (working capital loan is exempt);
e. Project environmental assessment report and approval document (working capital loan is exempt);
f. Letter of commitment to fulfill poverty alleviation responsibilities.
After accepting the enterprise's application, the poverty alleviation department where the enterprise is located must carefully verify the basic situation of the project, and then the poverty alleviation department will organize a review together with the financial department, and report it to the level for approval according to the approval authority. Projects applied by the same project implementation unit can only be recognized once a year.
B. Determine authority.
After passing the county-level review, projects in key counties with a loan amount of less than 1 million yuan (inclusive) will be identified by the county Poverty Alleviation Office and the Finance Bureau; projects with a loan amount of more than 1 million yuan will be identified by the county Poverty Alleviation Office and the Finance Bureau. Jointly submitted to the Municipal Poverty Alleviation Office and the Finance Bureau for review, and projects that pass the review with a loan amount of less than 5 million yuan (inclusive) will be identified by the Municipal Poverty Alleviation Office and the Finance Bureau; projects with a loan amount of more than 5 million yuan will be identified by the Municipal Poverty Alleviation Office , the Finance Bureau jointly reported to the Autonomous Region Poverty Alleviation Office and the Finance Department for review and approval. All projects in non-key counties are reported to the Autonomous Region Poverty Alleviation Office and the Department of Finance for review and approval. Projects exceeding 100 million yuan must be reported to the State Council Poverty Alleviation Office for filing. Projects recognized at the county and city levels must also be submitted to the Autonomous Region Poverty Alleviation Office and the Department of Finance for filing.
C. The poverty alleviation loan project library implements dynamic management. The validity period of projects entered into the poverty alleviation loan project database according to the above authority and procedures shall not exceed 2 years. The autonomous region conducts project identification twice a year, and projects that need to be submitted for autonomous region identification should be reported in March and September.
2. Loan issuance and interest discount declaration
(1) Issuance of project loans.
Any poverty alleviation loan project that has entered the project database can submit a loan application to banking financial institutions within the validity period. Banking financial institutions follow the principle of "releasing what is available, recovering what is available, and being profitable" Choose loan projects independently, review and grant loans independently and bear risks. The lending institution shall notify the local poverty alleviation department in writing of the loan situation within 15 working days after the loan is disbursed. The poverty alleviation department summarizes the local disbursement of poverty alleviation loans from the county level to the autonomous region poverty alleviation office on a quarterly basis. The Autonomous Region Poverty Alleviation Office summarizes the situation of the entire region and sends it to the Autonomous Region Finance Department, the Nanning Central Branch of the People's Bank of China, and the Autonomous Region Banking Regulatory Bureau on a quarterly basis.
(2) Confirmation, declaration and approval of interest discount.
The 20% interest discount funds transferred to the municipalities shall be reviewed and approved by each city in accordance with the following procedures and reported to the Autonomous Region Poverty Alleviation Office and the Department of Finance for filing. The remaining interest discount funds shall be reported to the autonomous region for approval. The specific procedures are:
A. Interest discount confirmed. After receiving the loan, the project implementation unit must apply for interest discounts to the local poverty alleviation department in a timely manner and submit the loan grant contract and other materials from banking financial institutions. The poverty alleviation department shall review and confirm the interest discount scale with the financial department within 15 working days after receiving the interest discount application materials submitted by the project implementation unit. And stamp it as the basis for the financial department to allocate interest subsidy funds.
B. Interest discount declaration. Each municipal poverty alleviation office and finance bureau shall fill out the "Poverty Alleviation Loan Project Interest Subsidy Fund Declaration Form" (attachment) based on the interest discount fund plan issued by the autonomous region in the first quarter (deducting the 20% interest discount funds allocated to each city) and the projects that have been confirmed by cities and counties with interest discounts. 4) Report to the autonomous region before the end of September to declare interest discount. If the interest discount fund plan cannot meet the demand, you can apply for an increase at the same time, but the amount of interest discount funds applied for increase cannot exceed 30% of the plan issued by the autonomous region. Projects applying for an increase in interest discounts also need to be confirmed by the local poverty alleviation and finance departments for interest discounts.
C. Interest discount approval and payment. Based on the interest subsidy fund plans issued to each city in the first quarter and the loan guidance plan for corresponding guidance, as well as the actual number of poverty alleviation loans issued by each city and the confirmed interest discount amount, the Autonomous Region Poverty Alleviation Office, together with the Autonomous Region Finance Department, will review the interest subsidy funds declared by each city and confirm the interest discount. The fund plan is distributed to the city, and the financial department will accordingly allocate interest discount funds to the special fiscal poverty alleviation fund account in the project location. The Poverty Alleviation Office where the project is located must promptly enter the interest discount project into the "Fiscal Poverty Alleviation Fund Management and Monitoring Information System", and the Finance Bureau will allocate the interest discount funds to the project implementation unit within 15 working days after they arrive at the local fiscal poverty alleviation fund account.
D. For projects that have entered the poverty alleviation loan project library, obtained loans and confirmed interest discounts, if the interest discount cannot be cashed in the current year due to the limitation of the total amount of interest discount funds, the interest discount will be given priority in the next year. If the interest subsidy arrangement for project loans in each city in the current year fails to complete the guiding plan issued by the autonomous region, and the autonomous region still has a balance after making adjustments across the entire region in the fourth quarter, the autonomous region will uniformly carry forward the interest subsidies for project loans in the next year. .
IV. Relevant Requirements
(1) Attach great importance and cooperate closely
The reform of the poverty alleviation discount loan management system involves a wide range of areas and is comprehensive and policy-oriented. powerful. Poverty alleviation and development leading groups at all levels must strengthen leadership and actively coordinate to ensure the smooth progress of reform work. All relevant departments should cooperate with each other, strengthen communication and information exchange, explore the establishment of a poverty alleviation interest discount loan working platform with the participation of relevant departments and units, and promote the orderly implementation of the reform of the poverty alleviation interest discount loan management system.
In particular, the poverty alleviation and financial departments must attach great importance to it, clarify their responsibilities, cooperate closely, be brave in innovation, be good at summarizing, and conscientiously organize and implement poverty alleviation discount loans.
(2) Do a good job in public announcements and ensure fund security
Poverty alleviation departments at all levels must follow the "Implementation Measures for the Announcement and Publicity System of Poverty Alleviation Fund Projects in the Guangxi Zhuang Autonomous Region (Trial)" (Gui Fu According to the relevant requirements of Lingfa [2004] No. 10), we must do a good job in the announcement and publicity of poverty alleviation interest subsidy loan projects, household loans, especially loans to capable people (large households), to ensure the safe operation of interest subsidy funds.
(3) Strengthen guidance and follow-up supervision
Poverty alleviation and financial departments at all levels must strengthen research, guidance and training to comprehensively and timely understand the progress of poverty alleviation discount loans. Municipal and county Poverty Alleviation Offices must fill in and submit the "Quarterly Loan Disbursement Report for Poverty Alleviation Interest Subsidized Loan Projects" (Attachment 5) and the "Annual Report on Loan Efficiency for Poverty Alleviation Interest Subsidized Loan Projects" (Annex 6) on time. All relevant departments must strengthen post-loan management according to their respective responsibilities, conduct follow-up supervision and inspection on the implementation of poverty alleviation loan projects, the performance of poverty alleviation responsibilities by project implementation units or capable persons (large households), and carefully study and analyze the problems encountered in the reform work. New situations and new problems should be solved in a timely manner when problems are discovered.