Recently, Shaanxi Weinan City promoted the experience of guaranteed loans in Heyang County under its jurisdiction, established a special government risk compensation account and a guarantee fund account, and established the China Minsheng Bank Shaanxi Modern Agricultural Cooperative Weinan Branch to achieve mortgage-free for small and medium-sized enterprises Loans effectively solve the financing problems of small and medium-sized enterprises.
It is understood that Heyang County is one of the first four counties and cities in Shaanxi Province to carry out guaranteed loan business. This business is funded by the government to establish a fund pool for small and micro enterprises. To join the fund pool, enterprises only need to pay voluntary The credit loan can be obtained by providing the guarantee fund in the loan contract and providing loan collateral. The guarantee fund will be gradually returned every year, and the insufficient part of the loan risk will be borne by the government and the bank respectively in proportion.
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