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香港提高中小企业贷款担保额度

核心提示:香港按揭证券公司将推出80%担保的贷款产品,且担保费仅为现在的30%。

The Hong Kong Mortgage Corporation Limited (HKMC) has announced that with the government’s support, it will introduce a new 80% loan guarantee product under the SME Financing Guarantee Scheme (SFGS), from May 31, 2012 and for a period of nine months.

近日,香港按揭证券公司(HKMC)宣布,在香港政府的支持下,将会于2012年5月31日至2013年2月28日期间,推出80%担保的贷款产品,该产品属于中小企业融资担保计划(SFGS)中的一部分。

This special loan guarantee product is launched as part and parcel of the package of support measures for small and medium-sized enterprises (SMEs) announced by the Financial Secretary in the 2012-13 Budget. With the approval by the Finance Committee of the Legislative Council on April 20 this year, the government will provide a total guarantee commitment of HKD100bn (USD12.9bn).

此贷款担保产品是香港财政司司长在2012-2013财年财政预算案中提到的支持中小企业发展的若干计划中的一部分,该预算案于2012年4月20日在立法委员会财政委员会上投票予以通过,由香港政府提供价值1000亿港币(约合129亿美元)的担保合约。

The SFGS attempts to encourage banks to be more responsive in meeting SMEs’ requirements for general working capital for their business operations or to acquire equipment and assets.

中小企业融资担保计划(SFGS)负责人表示,希望银行能够积极与中小企业配合,满足中小企业日常商业对运营资金的需求,供他们购买基本的设备和资产。

Under the current scheme, which was launched on January 1, 2011, the HKMC provides guarantee coverage on 50%, 60% or 70% of the bank financing for eligible enterprises. The maximum loan amount for each enterprise or each group of enterprises under the cover is HKD12m. The maximum guarantee period for each loan facility is five years, the minimum annual guarantee fee ranges from 0.5% to 2.5% of the loan facility, and the applicable interest rates are between 10% and 12%.

根据现行计划,香港按揭证券公司(HKMC)为符合规定的企业提供50%,60%或70%的银行贷款担保。担保下的每笔贷款最高数额不得超过120,000,000港币,担保期限为5年。每笔贷款利率为10%-12%,担保费为每笔贷款额度的0.5%-2.5%。

The annual guarantee fee for the new 80% loan guarantee will be at a concessionary level of around 30% of the existing fee for 70% loan guarantees for the same loan amount. So far a total of 24 lending institutions have signed up for the SFGS.

对于新推出的80%的贷款担保,所征收的年担保费用,政府将作出较大让步,具体为现行70%贷款担保费用的30%。但目前为止,港内已有24家贷款机构签订了中小企业融资担保计划(SFGS)。

All guarantee fees collected under this special loan guarantee product will be set aside to pay relevant default claims and related out-of-pocket expenses. The remaining balance of the guarantee fee, if any, will be returned to the government, which will also make up any shortfall. The HKMC will be responsible for the operation of the product and the relevant day-to-day operating costs.

香港政府在该贷款担保计划下征收的担保费用,将用于违约赔偿和其它相关费用。余下的担保费用,将会交还给香港政府,用于补足其它社会项目的资金缺口。香港按揭证券公司(SFGS)将全权负责贷款计划的日常运营工作,管理相关运营费用。

Executive Director of the HKMC and the Deputy Chief Executive of the Hong Kong Monetary Authority, Peter Pang, said: “SMEs are the cornerstone of the Hong Kong economy. The HKMC is very pleased to support the government in providing assistance to SMEs, while helping banks to manage their risk exposure. We believe that the launch of the 80% loan guarantee product will boost the confidence of lending institutions in offering loans to SMEs to meet their financing needs while the lower guarantee fee will ease the burden on them.”

香港按揭证券公司执行理事,同时也兼任香港金融管理局副局长的庞彼得表示,“中小企业是香港经济的基石,香港按揭证券公司很荣幸能够在香港政府帮助中小企业及银行管理的进程中发挥一定的作用,同时,也起到了帮助银行管理风险的作用。我们相信,80%的贷款担保计划能够提振贷款机构的信心,促使它们加大对中小企业的放款量,满足中小企业对融资的需求。而降低担保费用也能够极大地减轻贷款机构和中小企业的负担。

译者/张馨元

 

文章来源:http://financial.tianhenet.com.cn/2012/0528/296778.shtml

 

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