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針對符合國家產業(ye)(ye)政(zheng)(zheng)策的小(xiao)微(wei)(wei)企(qi)業(ye)(ye)自身抵押和擔(dan)(dan)(dan)(dan)保(bao)(bao)條件不足的問題，廣(guang)西再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)司成(cheng)(cheng)功建立(li)“國家融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)基金(jin)—省級再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)機(ji)構(gou)(gou)—基層融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)機(ji)構(gou)(gou)”三層融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)體系，在廣(guang)西創新推出“4222”業(ye)(ye)務(wu)，并(bing)有效推動“4321”政(zheng)(zheng)銀擔(dan)(dan)(dan)(dan)風險(xian)分(fen)擔(dan)(dan)(dan)(dan)業(ye)(ye)務(wu)向“4222”業(ye)(ye)務(wu)轉(zhuan)移(yi)（即(ji)由(you)政(zheng)(zheng)府性(xing)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)機(ji)構(gou)(gou)、廣(guang)西再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)司、銀行(xing)業(ye)(ye)金(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)(gou)、融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)業(ye)(ye)務(wu)發生(sheng)地設區(qu)市(shi)或縣級財政(zheng)(zheng)按(an)照4∶3∶2∶1的比例分(fen)擔(dan)(dan)(dan)(dan)代償責任的“4321”項目轉(zhuan)變為由(you)政(zheng)(zheng)府性(xing)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)機(ji)構(gou)(gou)、廣(guang)西再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)司、銀行(xing)業(ye)(ye)金(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)(gou)、國家融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)基金(jin)按(an)照4∶2∶2∶2比例承(cheng)擔(dan)(dan)(dan)(dan)風險(xian)的“4222”項目），多方合力共同為小(xiao)微(wei)(wei)企(qi)業(ye)(ye)提供融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)服務(wu)，切實解(jie)決小(xiao)微(wei)(wei)企(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)難、融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)貴問題。據(ju)統計，廣(guang)西再(zai)擔(dan)(dan)(dan)(dan)保(bao)(bao)公(gong)(gong)司已累計為4262戶次小(xiao)微(wei)(wei)企(qi)業(ye)(ye)降低企(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)成(cheng)(cheng)本(ben)(ben)4.36億元；平均單戶企(qi)業(ye)(ye)單次融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)節省成(cheng)(cheng)本(ben)(ben)10.23萬元，成(cheng)(cheng)本(ben)(ben)降幅(fu)達30%以(yi)上(shang)。

除國家限制行業(ye)(ye)(ye)外，各行業(ye)(ye)(ye)小微企(qi)業(ye)(ye)(ye)均可向(xiang)簽訂了合作(zuo)協議(yi)的(de)(de)(de)政府性(xing)融資(zi)擔(dan)保(bao)(bao)機(ji)構或銀(yin)行直(zhi)接提出總額不超過2000萬(wan)元(yuan)(yuan)的(de)(de)(de)擔(dan)保(bao)(bao)貸(dai)款(kuan)(kuan)(kuan)申請，經審(shen)核后(hou)，符合“老板信用好、產(chan)品有市(shi)場(chang)、經融資(zi)支(zhi)持后(hou)現金流正常”條件(jian)的(de)(de)(de)企(qi)業(ye)(ye)(ye)大多(duo)能夠得(de)到(dao)銀(yin)行的(de)(de)(de)擔(dan)保(bao)(bao)貸(dai)款(kuan)(kuan)(kuan)支(zhi)持，享受優惠(hui)(hui)的(de)(de)(de)擔(dan)保(bao)(bao)費率(lv)(lv)。對單戶1000萬(wan)元(yuan)(yuan)及以(yi)下(xia)的(de)(de)(de)小微企(qi)業(ye)(ye)(ye)、“三農”和創(chuang)(chuang)業(ye)(ye)(ye)創(chuang)(chuang)新(xin)主體收(shou)取的(de)(de)(de)擔(dan)保(bao)(bao)費率(lv)(lv)原(yuan)則(ze)(ze)上(shang)不超過1%，較平均年(nian)化商(shang)業(ye)(ye)(ye)擔(dan)保(bao)(bao)費率(lv)(lv)標準優惠(hui)(hui)67%；對于擔(dan)保(bao)(bao)項目融資(zi)金額在(zai) 1000 萬(wan)元(yuan)(yuan)以(yi)上(shang) 2000 萬(wan)元(yuan)(yuan)及以(yi)下(xia)的(de)(de)(de)小微企(qi)業(ye)(ye)(ye)、“三農”和創(chuang)(chuang)業(ye)(ye)(ye)創(chuang)(chuang)新(xin)主體，收(shou)取年(nian)化擔(dan)保(bao)(bao)費率(lv)(lv)原(yuan)則(ze)(ze)上(shang)不超過 1.5%。同(tong)時(shi)引導銀(yin)行業(ye)(ye)(ye)金融機(ji)構實行優惠(hui)(hui)貸(dai)款(kuan)(kuan)(kuan)利率(lv)(lv)，上(shang)浮幅(fu)度不超過30%。按照現行費率(lv)(lv)，企(qi)業(ye)(ye)(ye)年(nian)化融資(zi)成本由(you)10%左右（商(shang)業(ye)(ye)(ye)擔(dan)保(bao)(bao)融資(zi)模式(shi)）降低至(zhi)6.65%左右，降低約3.35%。

【責任編輯：語謙】