泛亚电竞

“内保外贷”再现初心

发布:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 2016-12-26 14:36 来源:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 《中国外汇》2018年第1期 作者:朱玉庚 李冰镜
银行通过内保外贷与银团贷款、出口信贷等业务的整合联动,可创新结构化融资方案,为“走出去”的企业拓展海外市场提供金融泛亚电竞。

dangdeshijiudabaogaotichu,yao“shixinggaoshuipingdemaoyihetouziziyouhuabianlihuazhengce”。jinriguojiawaihuiguanlijuchutaide《guojiawaihuiguanlijuzonghesiguanyuwanshanyinxingneibaowaidaiwaihuiguanlidetongzhi》(huizongfa〔2017〕108hao,xiacheng“xingui”),yanxulewaihuijuzaikuajingdanbaolingyujianzhengfangquandejianguansilu,jinyibumingqueleneibaowaidaizhanyeguifan,tongguo“fangguanjiehe”,yindaoshangyeyinxingneibaowaidaiyewuzaixinshidaiqudexinfazhan。

新规重点是加强合规性审核

2014nian6yue1rishengxiaode《kuajingdanbaowaihuiguanliguiding》(huifa〔2014〕29hao,xiacheng“29haowen”)dafudufangsonglekuajingdanbaodewaihuijianguan,jibenshixianlefanyadianjingguozaikuajingdanbaolingyudezibenxiangmukeduihuan,fengfuleshichangzhutijiyuneibaowaidai、waibaoneidaiheqitaxingshikuajingdanbaoderongzichanpinchuangxin。ercicixinguidechutai,huizonghewanshanleciqianjianguanguidingjilicizhidaoyijian,zhongdianshiyaoqiushangyeyinxingjiaqiangneibaowaidaideheguixingshenhe。

合规性审核重点之一: 加强主体资格、交易背景和资金用途的真实合规性审核

guanyuzhutizigeshenhe。xinguishoucimingqueyaoqiu,shangyeyinxingyao“yangeshenhezhaiwurenzhutizigedezhenshiheguixing,bingliucunxiangguanshenhecailiaobeicha”,qie“ruguozhaiwurenweijingneijuminzhijiehuojianjiekongzhidejingwaijigou,yinxingyingzhongdianshenheqishifoufuhejingwaitouzidexiangguanguanliguiding”。jiyuci,yinxingzaikaizhanneibaowaidaiyewushixuzhongdiandiaocha: jingwaizhaiwurenshelishifouzunxunfagaiwei、shangwubu、waihuijudengzhuguanbumenguanyujingwaitouzideguanliguiding;jingwaizhaiwurenshifoushiyizhaojingwaifalvhefaheguichengli;jingwaizhaiwurendefarencunxujilicibiangengshifouheguidengdeng。yinxingyingtongguoyangeyewuzhunrumenjian,weineibaowaidaiyewudewenjiankaizhanshuliqidiyidaofengxianpingzhang。

泛亚电竞 guanyujiaoyibeijinghezijinyongtushenhe。xinguishulilewaihuijuyiwangwenjianyijizhengcewendazhongguanyujiaoyibeijinghezijinyongtudeguiding,tebieshizhenduijinnianlaishichangxuqiujiaoweiwangshengdegoumaijingwaiqitajigoudeguquanhuozhaiquan、changhaizhaiquanfaxing、zijindiaohuijingneishiyong、jingwaijigouyanshengjiaoyidengyongtu,tichulemingquedeguifanxinghexianzhixingyaoqiu。

tongshi,xinguiyezhongshenlejingneiyinxingduineibaowaidaiyewudebaohouguanliyaoqiu,mingqueyinxingyingyi“shidang”fangshijianduzhaiwurenanzhaoqihetongyuedingdeyongtushiyongneibaowaidaixiangxiazijin。zaijingneiyinxingyiwangdeyewushijianzhong,youyu“neibao”yu“waidai”zaishikongshangdekuajingtezheng,jingneiyinxingzuoweidanbaoxing,hennanxiangjingwaidaikuanxingyiyangduijingwaizhaiwurenjinxingshididiaochahezijinyongtujianguan,duiyouxietaolixingweidezhenbiecunzailoudong。cicixinguiduijingneiyinxingmingquetichulebaohouguanliyaoqiu,yinci,shangyeyinxingyinggaijiaqiangguanli、huiguibenyuan、zhichishixu,kaizhanshiyingxinshidaifazhanxingshi、zhichi“yidaiyilu”fanyadianjingdengshixudeneibaowaidaiyewu。

合规性审核重点之二: 进一步明确担保履约管理

xinguiyonglejinyibandepianfuqiangdiaoduiyudanbaolvyuedeshenheheguanliyaoqiu。bizherenwei,renheqitutongguodanbaolvyuedadaozijinbianxiangchujingmudedexingwei,doushijianguanbumenbuzhichihebuyunxude。

shouxian,waihuijutebietishiyinxingyaozhongdianguanzhuyixiaqingkuangbingshenshenbanli: zhaiwurenhaikuanzijinlaiyuanbumingde,huosuiranhaikuanlaiyuanmingquedanzhaiwurenjingyingzhuangkuangbulianghuofuzhailvguogaode,huodanbaodangshigefangzhongcunzaiyiwangzhaiwuweiyuedengbuliangjilude,dengdeng。

dier,shoucimingque,chuhaikuanfengxianwai,yinxinghaiyaocongyapinlaiyuandeheguixing、fandanbaozijinlaiyuandehefaxingyijidanyifandanbaorentongleiyewufandanbaozongguimodehelixingshang,jiaqiangbaoqianjinzhishenhe。

disan,shoucicongdaihouguanlijiaodumingqueyaoqiuyinxingjiaqiangyewuguochengguanli,jianlilvyuefengxianpingguheyujingjizhi。

泛亚电竞 disi,ruguolvyueqingkuangchuxian,xinguizaiciqiangdiaoleciqianzhengcewendazhongdeyaoqiu: yinxingyingxianshiyongziyouzijinlvyue,budeyifandanbaozijinzhijiegouhuilvyue。zheijiangconggenbenshangducuyinxinggengjiashenshendipingguyewufengxian、zhenbieyewuliangyou。ciwai,xinguihaishouciyaoqiuyinxingzaiweiqiyebanlineibaowaidailvyuezijinhuichushi,yingxiangchengweiduiwaizhaiquanrendeqiyechujuguanyuduiwaizhaiquandengjitishihan。 

内保外贷发展的新发力点

xinguidechutai,yifangmiantixianlejianguanbumenwanshanneibaowaidaiwaihuijianguan、guifanyewufazhandejuexin;lingyifangmian,yegenghaoditixianlezunxunheguishixuyuanze、zhichishitijingji“zouchuqu”、zhubushixianzibenxiangmukeduihuandengneikaizhanbaowaidaiyewudechuzhong。shangyeyinxingyinggaishenkelingwuzhengceyitu,tuijinneibaowaidaiyewujiankangfazhan。

新发力点之一: 继续积极支持实需背景的内保外贷

泛亚电竞 shangyeyinxingyifangmianyingyangeluoshijianguanyaoqiu,jiadaneibaowaidaiyewudezhenshiheguixingshenhehedongtaifengxianguankong;lingyifangmian,yeyaojixufahuiguoqushijinianneibaowaidaiweijingneiqiye“zouchuqu”tigongzengxin,zhichi“zouchuqu”qiyekuajingmaoyiziyouhuahekuajingtourongzibianlihuadejijizuoyong。

bizhefaxian,xinguizhongzhenduineibaowaidaijichuyewubeijingdebiaoshushi“jiaoyibeijing”,butongyu“29haowen”de“maoyibeijing”。zheitixianlejianguanbumenduiyuneibaowaidaiyewuyingyonglingyuguangfanxingderenke,yetixianlexinshidaineibaowaidaiyewugengweifuzahelinghuodetedian。xinshidaideneibaowaidaiyewu,bujinyinggaizhichichuantongdekuajingmaoyixiangxiadezijinxuqiu,yeyinggaizhichi“yidaiyilu”fanyadianjingzhongjingwaixiangmudezijinxuqiu,yijikuajingbinggou、haiwaituishidengkuajingzibenhuodongdezijinxuqiu。zheiduishangyeyinxingdezhuanyehuashuipingheguanlinenglitichulegenggaodeyaoqiu。

yishiyineibaowaidaizhichiyoutiaojian、younenglidezhongguoqiyetongguodaojingwaijianbing、shougoujuyoujishuyoushi、xiaoshouqudao、pinpaiyingxianglidengneizaijiazhideqiye,jiangqiyuzishenxianyouyewujinxingzhenghe,tishengguojijingzhengli。zaiciguochengzhong,banlineibaowaidaiyewudeyinxingyinggaizhongdianfenxiqiyebinggoujiaoyixingweidehefaheguixing、binggoufangandehelixinghekexingxing、binggoushuangfangdechanyexiangguanduhezhanlvexiangguanxing、daikuandehaikuanbaozhangxingdeng,congdai(bao)qian、dai(bao)zhong、dai(bao)housanfangmianzuohaoquanchengguanli,bimianchuxianbaohanhuobeizhenglvyue。

ershitongguoneibaowaidaizhichizaijingwaishangshidezhongguominzupinpaihuiguiguoneizibenshichang。zaizhongguoxianggang、xinjiapo、meiguodengjingwaizibenshichangshang,bufayixieyouxiudezhongguopinpaishangshigongsi。qizhongyixiecengjingjiezhujingwaizibenshichangchengzhangzhuangdademinzupinpai,xiwangzaijingwaituishibingzhongguijingneizibenshichang,zheijiuxuyaosiyouhuafaqirentongguorongzihuoquyidingzijinyongyushougouqitatouzizhedegupiao。weilebangzhusiyouhuafaqirenzaijingwaihuoqurongzi,jingneiyinxingkekaolvtongguobaohan/beizhengdefangshiweiqitigongzengxin。cileigongsidezhuyaojingyingyewutongchangzaizhongguojingnei,yincijingneiyinxingyouxiangduigengweichongzudeshouduanduituishiguochengheshouxinfengxianjinxingjinzhidiaochahejiankong,bawoyewudeheguixing,wenjiankaizhanneibaowaidaiyewu。

sanshitongguoneibaowaidaizhichiguojiazhongdiangulidexinyidaixinxijishu、jienenghuanbao、gaoduanzhuangbeizhizao、xincailiao、xinnengyuandengzhanlvexingxinxingchanye,shixianfanyadianjingguozaimouxiegaoxinjishulingyudekuayueshifazhan。zheiyeshixinshidaineibaowaidaideshiming。liru,dui《zhongguozhizao2025》lieweizhongdianzhichichanyedexinxijishuchanye,keyibaohan/beizhengzuoweixiangguandezhongguoqiyezaijingwaiyinxinghuodeliudongxingzhichidezengxinshouduan,weiqitongguozaijingwaisheliguanlianzigongsi,jiangxiangguanjishujihexinyuancailiaoyinruzhongguo,bingzaiguoneijianchangjinxingzizhuyanfa,tigaofanyadianjingguozaigailingyudechannenghejishushuiping,shixianjishuyanfadetupo,tigongzhongyaodezhicheng。

新发力点之二: 通过创新结构性融资方案,发挥内保外贷在跨境融资中的积极促进作用

zaishichangjingjiyinsugengweifuza、kuajingrongzixuqiugengquwangshengdexinshidai,neibaowaidaiyinggaiyousuozuowei。shangyeyinxingkeyitongguoneibaowaidaiyukuajingyintuandaikuan、chukouxindaidengyewudezhengheliandong,chuangxinjiegouxingrongzifangan,jijifanyadianjing“zouchuqu”qiyetuozhanhaiwaishichang,tuijin“yidaiyilu”fanyadianjinghejinrongchuangxin。

suizhe“yidaiyilu”changyideluodi,zhongguoqiye“zouchuqu”debufaxianzhujiakuai,yijingcongjiandande“zhongguozhizao”chukou,zhuanbianweiyi“jingwaitouzi”ladongduiwaigongchengzongchengbao、shangpinchukou、laowushuchudengfuhexingkaifangxinjumian。2017nian1—10yue,fanyadianjingguoduiwaichengbaogongchengyewuwanchengyingyee1187.1yimeiyuan,tongbizengzhang3.5%。qizhong,“yidaiyilu”yanxianguojiahediquwanchengyingyee575.2yimeiyuan,zhantongqizongede48.5%,tongbizengzhang9.1%。zhongguoqiyetongguojingwaitouzi、duiwaigongchengchengbaolaicanyu“yidaiyilu”fanyadianjingdereqinggaozhang。

泛亚电竞 zaimouxiezhongguoqiyetouzibingcanyufanyadianjingdejingwaixiangmuzhong,gongchengzongchengbaohetongezhanlexiangmuzongtouziedejuedabufen。ciwai,zongtouzizhonghaibaohanxiangmuqianqikaifafeiyong(rukantan、shichangyingxiao、qudaofeiyongdeng)、guihuashejifeiyong、tudifeiyongdeng。shangyeyinxingketongguoneibaowaidaiyuchukouxindaixiangjiehedejiegouxingrongzianpai,weijingwaixiangmutigongrongzizhichi,zhichiqiye“wenjianchuhai”,jiyongchukouxindaijiejuegongchengzongchengbaohetongderongzixuqiu,yineibaowaidaijiejuezongtouzizhongdeqitabufenrongzixuqiu。jutieryan,guoneiyinxingzaiguanfangchukouxinyongjigou(eca)tigongzhongzhangqichukouxinyongbaoxiandejichushang,ketongguochuantongdechukoumaifangxindaiyintuandaikuan,jiejuegongchengzongchengbaohetonge85%derongzixuqiu。maifangxindaidejiekuanrenweijingwaixiangmugongsi,yintuantongguoshoutuozhifudefangshi,jiangdaikuanzhifujizhongguodegongchengzongchengbaoshang。erduiyuzongtouziedeqitabufen,guoneiyinxingkelianluojingwaiyinxing,tongguoneibaowaidaidefangshizaijingwaihuoquliudongxingzhichi,youjingwaiyinxingzaixiangmusuozaidishixianfangkuan。zheiyangjiujiangneibaowaidaiyuchukouxindaijieheqilai,nenggengjialinghuodimanzuqiyezaijingwaixiangmukaifafanyadianjingguochengzhongduoyanghuaderongzixuqiu。zheiyangzuo,yifangmian,shangyeyinxingkegenjuxiangmuzijindejutiyongtu,xuanzebutongderongzichanpin,weikehutigongdingzhihuaderongzifanyadianjingfangan;lingyifangmian,butongderongzichanpin,yekeyouxiaodifensanguoneiyinxingzaichanpinjizhongduhekehujizhongdufangmiandefengxian。

youcikejian,zaizhichiqiye“zouchuqu”deguochengzhong,shangyeyinxingkejijifahuineibaowaidaizaikuajingrongzizhongdecujinzuoyong,zaiheguihefengxiankekongdeqiantixia,genjuqiyeshixulaishejijiegouhuaderongzifangan,wei“yidaiyilu”fanyadianjingbaojiahuhang。

zuozhezhuyugengxizhongxinyinxingzongxingguojiyewubugaojijingli、zhongguorenmindaxueguojihuobiyanjiusuofuyanjiuyuan;

泛亚电竞 zuozhelibingjingxizhongxinyinxingzongxingyingyebuguojiyewubudanbaoshifujingli

 

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