绵阳50亿元"战疫贷"支持企业复工复产

安州人

我市单户企业最高可贷3000万元

　　为帮助受新冠肺炎疫情冲击的小微企业实现低成本融资，我省推出“战疫贷”为小微企业提供低成本融资支持。记者近日从人行绵阳中支获悉，“战疫贷”资金来源以人民银行再贷款资金为主，我市复工复产再贷款专用额度12亿元，再加上存量再贷款，共计大约50亿元，可以全额用于支持我市企业的复工复产。此次推出的“战疫贷”产品，单户企业获得优惠利率贷款不超过3000万元，其中运用支小再贷款专用额度发放的贷款单户不超过1000万元。

　　据介绍，我市50亿元资金运用向重点领域、行业倾斜，引导加大对有序复工复产、脱贫攻坚、春耕备耕、禽畜养殖、外贸行业等的金融支持力度，同时向受疫情影响较大的旅游娱乐、住宿餐饮、交通运输行业的小微企业提供普惠式金融服务。其中，运用支小再贷款专用额度发放的“战疫贷”投向为普惠小微企业的贷款，具体是指单户授信在1000万元及以下的小微企业贷款，以及个体工商户、小微企业主的经营性贷款，重点支持承担疫情期间稳产保供任务的企业、受疫情影响较大遇到阶段性经营困难的企业、复工复产急需资金支持的企业、吸纳就业能力较强的劳动密集型企业。另外，运用支农再贷款发放的“战疫贷”投向涉农领域，包括新型农业经营主体(含农户)，重点支持春耕备耕以及畜禽养殖急需资金支持的新型农业经营主体。

　　为降低融资成本，人民银行发放给法人金融机构的再贷款利率为2.5%，为金融机构发放优惠利率的“战疫贷”提供低成本资金支持。“战疫贷”利率上限为最近的一年期LPR加50个基点，目前是4.55%，这是上限。政府性融担机构等参与“战疫贷”的担保费率水平原则上不超过1%。在享受“战疫贷”财政贴息后，企业实际负担的利率将不高于4%。在贷款期限方面，运用人民银行再贷款资金发放的贷款期限原则上控制在1年以内;运用转贷资金发放的贷款最长不超过2年。

　　哪些金融机构可以办理“战疫贷”?据人行绵阳中支相关工作人员介绍：复工复产再贷款适用对象是我市各地方法人金融机构，就是注册地在四川省的法人银行机构都属于复工复产再贷款的支持对象，其中符合条件的都可以办理“战疫贷”。其中支小再贷款适用五类机构，即城市商业银行、农村商业银行、农村合作银行、村镇银行、民营银行(含互联网银行);支农再贷款适用四类机构，即农村商业银行、农村合作银行、农村信用社、村镇银行。

　　凡属于符合重点支持的领域和行业，包括小微企业主和个体工商户，可以直接向我市法人银行机构申请贷款，银行对于符合信贷条件也符合“战疫贷”支持对象的，就可以办理签约，发放优惠利率的“战疫贷”。此外，政策主要支持疫情发生以前经营正常，而受疫情影响暂时困难的企业，本身经营就异常的不属于支持的范围。

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