According to the Measures for the Administration of SME Credit Guarantee Fund:
Article 8 A guarantee institution applying for a guarantee fund must meet the following conditions:
(1) It is established and operated in accordance with relevant national laws and regulations, has the qualification of an independent enterprise as a legal person, and has obtained the business license of a financing guarantee institution.
(two) engaged in the guarantee business for more than 2 years, no bad credit record.
(3) The guarantee business complies with relevant national laws and regulations, business management regulations and industrial policies, and the amount of new SME guarantee business in that year accounts for more than 70% of the total amount of new SME guarantee business in that year, or the amount of new SME guarantee business in that year is more than 654.38 billion yuan.
(4) The balance of guarantee liability provided for a single enterprise shall not exceed 65,438+00% of the net assets of the guarantee institution, and the balance of guarantee liability provided for a single enterprise to issue bonds shall not exceed 30% of the net assets of the guarantee institution.
(5) The new guarantee business volume of guarantee institutions in the eastern region reached more than 3.5 times of the average net assets in that year [i.e. (net assets at the beginning of the year+net assets at the end of the year) /2, the same below], while that in payout ratio was less than 2%.
The new guarantee business volume of guarantee institutions in the central region reached more than 3 times of the average net assets in that year, and that of payout ratio was less than 2%; The new guarantee business volume of guarantee institutions in the western region has reached more than 2.5 times of the average net assets, while that in payout ratio is less than 2%.
(6) The average annual guaranteed interest rate shall not exceed 50% of the benchmark interest rate of bank loans in the same period.
(seven) sound internal management system, standardized operation, according to the provisions of the withdrawal of reserves, and timely submit financial and accounting reports and related information to the financial sector.
(eight) in the past three years, it has not been punished by the financial department and other regulatory departments at or above the county level for financial, financial or other illegal or irregular acts.
Extended data:
According to the Measures for the Administration of SME Credit Guarantee Fund:
Article 9 A re-guarantee institution applying for a guarantee fund must meet the following conditions:
(1) It is established and operated in accordance with relevant national laws and regulations, and has the qualification of an independent enterprise as a legal person.
(two) to guarantee institutions as the main service object, operating SME re-guarantee business 1 year and above.
(3) The re-guarantee business complies with relevant national laws and regulations, business management regulations and industrial policies, and the re-guarantee business of newly-added small and medium-sized enterprises accounted for more than 70% of the total re-guarantee business in that year.
(4) In that year, the new re-guarantee business volume reached more than 5 times of the average net assets.
(5) The average annual re-guarantee rate shall not exceed 65,438+05% of the benchmark interest rate of bank loans in the same period.
(six) the internal system is sound and the management is standardized, and the enterprise financial accounting report and related materials are submitted to the financial department in a timely manner.
(seven) in the past three years, it has not been punished by the financial department and other regulatory departments at or above the county level for financial, financial or other illegal or irregular acts.
(eight) other conditions that should be met.
Article 10 Guarantee institutions and re-guarantee institutions applying for guarantee funds shall submit business information in a timely manner as required.
Baidu Encyclopedia-Guarantee payout ratio
Chinese government network-? Notice on printing and distributing the measures for the administration of credit guarantee funds for small and medium-sized enterprises