Reflections on Printing and Distributing the Measures of Guangxi Zhuang Autonomous Region for Poverty Alleviation and Discounted Loans
Notice on the implementation plan of management system reform
Poverty Alleviation Offices and Finance Bureaus in Cities and Counties, Guangxi Central Sub-branch and County Sub-branch of People's Bank of China, Guangxi Supervision Branch of China Banking Regulatory Commission, and Chongzuo, Laibin and Wuzhou Supervision Office:
According to the spirit of the State Council Poverty Alleviation Office, Ministry of Finance, People's Bank of China and China Banking Regulatory Commission (hereinafter referred to as the "four ministries") "Notice on Comprehensively Reforming the Management System of Poverty Alleviation Discounted Loans" (Guo Kaifa [2008] No.29), combined with the actual situation in our region, after careful study, the Implementation Plan for the Reform of the Management System of Poverty Alleviation Discounted Loans in Guangxi Zhuang Autonomous Region was formulated. The plan has been reported to four ministries for the record and has been agreed. Is issued to you, please implement.
Guangxi Zhuang Autonomous Region Poverty Alleviation Office Guangxi Zhuang Autonomous Region Finance Department
China People's Bank Nanning Central Branch China Banking Regulatory Commission Guangxi Supervision Bureau
July 2008 15
Guangxi Zhuang autonomous region poverty alleviation discount loan
Implementation plan of management system reform
In order to establish and improve the management system and operation mechanism of credit poverty alleviation to meet the requirements of market economy, and improve the efficiency and benefit of poverty alleviation funds, according to the spirit of the Notice of the State Council Poverty Alleviation Office, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission on Comprehensively Reforming the Management System of Discounted Loans for Poverty Alleviation (Guo Kaifa [2008] No.29), combined with the actual situation in Guangxi, it was approved by the Poverty Alleviation Office of the Autonomous Region, the Finance Department of the Autonomous Region, the Nanning Central Branch of the People's Bank of China and the Guangxi Supervision Bureau of the China Banking Regulatory Commission.
First, the overall thinking and work objectives
The general idea of the reform of the management system of poverty alleviation discount loans is: adhere to government guidance and adapt to market operation; Decentralize management authority and introduce competition mechanism; Fixed discount level and flexible subsidy method; Actively explore the establishment of risk prevention and incentive and restraint mechanisms.
According to the above general idea, the goal of the reform of the management system of subsidized poverty alleviation loans in our region is to create a level playing field by appropriately decentralizing management authority, fully mobilize the enthusiasm of all parties involved in poverty alleviation, including banking financial institutions, give play to their creativity, further increase support for poor households and leading enterprises in poverty alleviation, accelerate the development of infrastructure and social undertakings in poverty-stricken areas, improve the efficiency of the use of subsidized poverty alleviation loans, and ensure that poor households benefit.
Second, the basic principles and main contents
(1) basic principles
According to the above general ideas and objectives, the reform of the management system of subsidized loans for poverty alleviation in our region follows the following basic principles:
1. The principle of unity of responsibility and power
Local governments are responsible for the management, use and benefit unification of poverty alleviation loans and discount funds.
2. The principles 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 carry out open and fair competition to improve service levels by giving full play to their respective operating characteristics and business advantages.
3. The principle of benefiting poor households
The issuance of poverty alleviation loans should be closely combined with solving the problem of food and clothing for poor households and increasing their income, with the focus on ensuring the benefits of poor households.
4. Encourage advanced principles
For places with outstanding poverty alleviation benefits and obvious economic benefits, they will be tilted when arranging discount funds; Where it is difficult to issue loans and the repayment rate is low, the amount will be reduced.
(II) Main contents
1. Decentralize management power
Appropriately decentralize the management authority of poverty alleviation loans and discount funds:
(1) The management authority of loans for poor households (hereinafter referred to as "household loans") and discount funds is delegated to counties (cities, districts, hereinafter referred to as counties);
(2) 20% of the discount interest funds granted to project loans (hereinafter referred to as "project loans") will be transferred to the city.
2. Voluntary participation of banking financial institutions
All banking financial institutions willing to participate in poverty alleviation work can become the main body (lending institution) that issues discount loans for poverty alleviation. The loan principal is raised by the lending institution itself. The loan interest rate shall be determined independently by the lending institution according to 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 lending institution according to the seasonal characteristics of local agricultural production, the production cycle of the loan project and the comprehensive repayment ability.
3. Standardize loan investment.
Poverty alleviation loans are given priority to poverty-stricken villages in key counties of national poverty alleviation and development (hereinafter referred to as national key counties), key counties of poverty alleviation and development in autonomous regions (hereinafter referred to as district key counties) and non-key counties. Farmers' loans should ensure that poor households benefit, focusing on poor households, mainly for the development of production; On the premise of clarifying the responsibility of poverty alleviation, appropriate support can be given to projects that drive poor households to get rich together through capable people (large households). 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 poor enterprises that are in the growth stage, have close ties with the vast number of poor households, and have strong driving force for getting rich. The project loan shall be signed by the project implementation unit and the poverty alleviation department to ensure that the poverty alleviation discount loan project is closely integrated with poverty alleviation planning and key work, and closely integrated with promoting the development of local leading industries and increasing the income of poor households.
4. Adjust the discount policy
(1) discount fund arrangement.
A. sources of discounted funds. 1. Special discount funds from the central government; B discount funds arranged by the autonomous region from the financial poverty alleviation funds at the central and district levels; C discount funds arranged by qualified cities and counties from the financial poverty alleviation funds at the same level.
Among the financial discount funds issued by the central government, the proportion of discount funds used for farmers' loans is not less than 50%, giving priority to meeting the needs of farmers' loans in key counties of the country.
B. issue discount interest funds. The Poverty Alleviation Office of the Autonomous Region shall, jointly with the Finance Department of the Autonomous Region, distribute the discount funds and the corresponding guiding poverty alleviation discount loan guidance plan to all localities according to the total amount of financial discount funds issued by the central government and arranged by the autonomous region, and according to the number of poor villages, the number of leading poverty alleviation enterprises, the demand for poverty alleviation discount loans and other factors. Among them, the discount interest funds for household loans and the corresponding guiding discount interest loans for poverty alleviation will reach the county within one month after the central financial discount interest funds are issued, the project loan discount interest fund plan and the corresponding guiding discount interest loans for poverty alleviation will reach the city in the first quarter according to 80% of the previous year's scale (at the same time, 20% of the discount interest funds decentralized to the city will be allocated to the city), and the rest will be adjusted in the whole region in the fourth quarter according to the local loan distribution.
C. gradually establish an incentive and restraint mechanism. The amount of discount funds arranged by the autonomous region for cities and counties will be adjusted according to the performance of discount loans for poverty alleviation in cities and counties in the previous year. Municipalities in the arrangement of discount interest funds, depending on the county loan situation to adjust.
(2) Fixed discount rate.
During the discount period, family loans are discounted at an annual interest rate of 5%, and project loans are discounted at an annual interest rate of 3%.
(3) Discount period.
The longest period of discount interest funds issued by the autonomous region is 1 year. If the loan term is less than 1 year, interest will be paid according to the actual term; If the loan term exceeds 1 year, the discount can be given year by year, but the same loan can be discounted twice at most, and each discount must be confirmed, declared and approved according to the prescribed procedures.
(4) Discount method.
Farmers' loan discount funds can be directly given to borrowers or through indirect subsidies, a lending institution. The specific ways are determined by the counties themselves, and direct subsidies to borrowers are encouraged. The project loan discount interest funds are directly subsidized to the project implementation unit.
(5) Special account management.
Financial discount funds should be deposited in the special account of financial poverty alleviation funds, and special account management should be implemented. Discount funds shall not be used for other expenses outside the scope of discount. If there is a balance, it can be carried forward to the next year to continue to use.
5. Clear departmental responsibilities
The poverty alleviation department is responsible for organizing and coordinating, supervising and monitoring, and doing a good job in guiding services, examination and approval of poor households, project library construction, project identification, and discount confirmation.
The financial department is responsible for the audit and disbursement of discount funds for poverty alleviation loans, and participates in the construction of project libraries and the identification of projects.
Banking financial institutions are responsible for the examination and approval of poverty alleviation loan projects, loan delivery and recovery. Under the premise of ensuring the safety of poverty alleviation discount credit funds, they try their best to simplify procedures, relax loan conditions and provide convenient and fast services.
The branches of the People's Bank of Guangxi at all levels are responsible for strengthening the policy guidance and management of poverty alleviation discount loans.
The banking supervision and management department is responsible for the prudent supervision of the poverty alleviation discount loan business offered by the loan banking financial institutions.
Third, the specific operation methods and procedures.
(A) the operating methods and procedures of farmers' loans
Farmers' loans are mainly invested in poor households, mainly for the development of production. The amount of single-family loans, the choice of lending institutions, the determination of specific discount methods, the issuance of discount funds and the issuance of household loan plans are still implemented according to the Measures for the Implementation and Management of Poverty Alleviation Household Loans in Guangxi Zhuang Autonomous Region (Trial) (No.90 [2007]). However, the loans required by talents (large households) who undertake the clear responsibility of poverty alleviation and implement the project of promoting the common prosperity of poor households can also be supported, and the loan (discount) amount can be determined according to the number of poor households driven by them.
(two) the project loan operation mode and procedures
1. Establish a poverty alleviation loan project library.
(1) Access scope of the project library.
According to the loan investment and discount objects, the projects or project implementation units that can enter the poverty alleviation loan project library are mainly selected within the following scope:
Leading enterprises for poverty alleviation recognized by the state and the autonomous region;
B enterprises that intend to start businesses in key counties and poor villages, and can directly drive poor farmers to increase their income in establishing industrial bases, processing and selling agricultural products, and absorbing poor households' labor force to transfer employment;
C. Various 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. Small and medium-sized infrastructure and social undertakings in key national counties that can directly promote the improvement of basic production and living conditions in poor villages and the development of education, culture and health undertakings.
(2) Basic conditions for project identification.
A. It conforms to the overall planning of local poverty alleviation and development and the development planning of poverty alleviation leading industries, and is closely integrated with the promotion of poverty alleviation and development in poor villages, relocation and resettlement of poverty alleviation in different places, and labor transfer and employment of poor households;
B there are specific targets and measures to promote the industrial development of poor villages, help poor households to increase their income or improve the production and living conditions of poor villages and poor households;
C. The project owner can independently assume legal responsibilities and operate according to law, and the project has good economic benefits and poverty alleviation benefits and is competitive in the market;
D the project owner has a good reputation in the bank, can repay the loan principal and interest on schedule, and has no fraudulent business practices, bad credit records and bad debts.
E. The use direction of the project loan conforms to the national industrial policy, environmental protection policy and quality management standard system.
(3) the authority and procedure of project appraisal.
Municipalities shall establish a poverty alleviation loan project library according to the discount interest fund plan issued by the autonomous region, the corresponding loan guidance plan and the discount interest fund amount arranged locally, and according to the corresponding loan scale 1.3 times and the following procedures:
A. declaration procedures. The project owner shall submit an application for the poverty alleviation discount loan project plan to the local county or city poverty alleviation office. The application not only explains the basic situation of the enterprise (including credit status), the market prospect, benefit forecast, investment budget and financing scheme of the project, but also expounds the poverty alleviation function of the project, including the name and scale of the development industry, the number of poor villages and poor households driven by radiation, specific measures to ensure the direct benefit of poor households, and the goal of directly driving poor households to increase their income. At the same time, attach the following materials:
A list of project coverage areas and poor households (annex1);
B. Agreement on the Construction of Production (Breeding) Bases for Poverty-stricken Villages and Poor Households Driven by Radiation signed by the enterprise and the Poverty Alleviation Office of the counties and cities where the project is located (Annex 2);
C basic information registration form for poverty alleviation discount loan projects (Annex 3);
D. Project feasibility report (working capital loan can be exempted);
E project EIA report and reply (working capital loan can be exempted);
F. fulfilling the commitment letter of poverty alleviation responsibility.
After accepting the application of the enterprise, the poverty alleviation department where the enterprise is located should carefully verify the basic situation of the project, and then the poverty alleviation department will organize the review in conjunction with the financial department and report it to the examination and approval authority step by step for confirmation. Projects declared by the same project implementation unit can only be identified once a year.
B. determine authority. After the county-level review, the projects with loan amount below 1 10,000 yuan (inclusive) are key counties, which are identified by the county poverty alleviation office and the Finance Bureau; Projects with a loan amount of 6.5438+0 million yuan or more shall be jointly reported by the county poverty alleviation office and the Finance Bureau to the Municipal Poverty Alleviation Office and the Finance Bureau for review, and projects with a loan amount of 5 million yuan or less shall be identified by the Municipal Poverty Alleviation Office and the Finance Bureau; Projects with a loan amount of more than 5 million yuan shall be jointly reported by the Municipal Poverty Alleviation Office and the Finance Bureau to the Autonomous Region Poverty Alleviation Office and the Finance Department for examination and confirmation. All projects in non-key counties are reported to the Poverty Alleviation Office of the Autonomous Region and the Finance Department for examination and confirmation. Projects exceeding 1 100 million yuan shall be reported to the State Council Poverty Alleviation Office for the record. The projects identified at the county and city levels should be copied to the Poverty Alleviation Office and the Finance Department of the autonomous region for the record.
C. dynamic management of poverty alleviation loan project library. According to the above authority and procedures to enter the poverty alleviation loan project library project is valid for no more than 2 years. The autonomous region carries out project identification twice a year, and projects that need to be reported to the autonomous region should be reported in March and September.
2. Loan issuance and discount declaration
(1) Project loan issuance.
Where poverty alleviation loan projects have entered the project library, they may apply for loans to banking financial institutions within the validity period. Banking financial institutions can independently choose loan projects according to the principle of "releasing, collecting and benefiting", and independently examine and lend at their own risk. The lending institution will notify the local poverty alleviation department in writing within 15 working days after the loan is issued. The poverty alleviation department issues local poverty alleviation loans quarterly, and the county reports them to the poverty alleviation office of the autonomous region step by step. The poverty alleviation office of the autonomous region will summarize the situation of the whole region every quarter and send it to the Finance Department of the autonomous region, Nanning Central Branch of the People's Bank of China and the Banking Regulatory Bureau of the autonomous region.
(2) Confirmation, declaration and approval of discounts.
20% discount interest funds delegated to the municipalities shall be examined and approved by the municipalities with reference to the following procedures, and reported to the Poverty Alleviation Office and the Finance Department of the autonomous region for the record, and the rest discount interest funds shall be reported to the autonomous region for examination and approval. The specific procedures are as follows:
A. discount confirmation. After the project implementation unit obtains the loan, it shall timely apply to the local poverty alleviation department for discount, and submit the loan issuance contract of banking financial institutions and other materials. The poverty alleviation department shall, within 15 working days after receiving the discount application materials submitted by the project implementation unit, examine and confirm the discount scale together with the financial department and seal it as the basis for the financial department to allocate discount funds.
B. discount statement. Municipal Poverty Alleviation Offices and Finance Bureaus shall, according to the discount interest fund plan issued by the autonomous region in the first quarter (after deducting 20% discount interest funds allocated to the municipalities) and the projects confirmed by cities and counties, fill out the Declaration Form for Discount Interest Funds for Poverty Alleviation Loan Projects (Annex 4) and report it to the autonomous region for discount before the end of September. If the discount interest fund plan cannot meet the demand, it can also apply for an increase, but the discount interest fund applied for an increase cannot exceed 30% of the plan issued by the autonomous region. The projects that apply for increasing interest subsidies also need to be confirmed by the local poverty alleviation and financial departments.
C. discount approval and payment. The Poverty Alleviation Office of the Autonomous Region and the Finance Department of the Autonomous Region shall review the discount interest funds declared by the municipalities according to the discount interest fund plan issued by the municipalities in the first quarter, the corresponding guiding loan guiding plan and the number of poverty alleviation loans actually issued by the municipalities and the confirmed discount interest amount, and then the confirmed discount interest funds will reach the municipalities according to the plan, and the financial department will accordingly allocate the discount interest funds to the financial poverty alleviation special fund account where the project is located. The poverty alleviation office where the project is located will timely input the discount project into the "Financial Poverty Alleviation Fund Management Monitoring Information System", and the Finance Bureau will allocate it to the project implementation unit within 15 working days after the discount fund reaches the local financial poverty alleviation fund account.
D. For projects that have entered the poverty alleviation loan project library, obtained loans and confirmed the discount, if the discount cannot be realized due to the total amount of discount funds in the current year, the discount will be given priority in the following year. However, if the discount arrangement for project loans of municipalities in that year failed to complete the guiding plan issued by the autonomous region, and there is still a balance in the autonomous region after the adjustment arrangement in the fourth quarter, the autonomous region will carry it forward to the next year and continue to use it for project loan discount.
Four. Related requirements
(a) attach great importance to and cooperate closely.
The reform of poverty alleviation discount loan management system involves a wide range, and is comprehensive and policy-oriented. Leading groups for poverty alleviation and development at all levels should strengthen leadership and actively coordinate to ensure the smooth progress of reform. All relevant departments should cooperate with each other, strengthen communication and information exchange, explore the establishment of a poverty alleviation discount loan work platform with the participation of relevant departments and units, and promote the orderly reform of the poverty alleviation discount loan management system. In particular, poverty alleviation and financial departments should attach great importance to it, clarify their responsibilities, cooperate closely, be brave in innovation, be good at summing up, and conscientiously do a good job in organizing and implementing poverty alleviation discount loans.
(two) do a good job in publicity to ensure the safety of funds.
Poverty alleviation departments at all levels should do a good job in the announcement and publicity of poverty alleviation discount loan projects and household loans, especially talents (large households) loans, in accordance with the relevant requirements of the Measures for the Implementation of the Announcement and Publicity System for Poverty Alleviation Fund Projects in Guangxi Zhuang Autonomous Region (Trial) (Gui Fu Ling Fa [2004]10) to ensure the safe operation of discount funds.
(3) Strengthen guidance and follow-up supervision.
Poverty alleviation and financial departments at all levels should strengthen research, guidance and training, and comprehensively and timely grasp the progress of poverty alleviation discount loans. City and county poverty alleviation offices should fill in the quarterly report of poverty alleviation discount loan project (Annex 5) and the annual report of loan benefit of poverty alleviation discount loan project (Annex 6) on time. All relevant departments shall, according to their respective functions and duties, strengthen post-loan management, track, supervise and inspect the implementation of poverty alleviation loan projects, and the fulfillment of poverty alleviation responsibilities by project implementation units or capable people (large households), carefully study and analyze the new situations and problems encountered in the reform work, and solve them in time when problems are found.