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The province's first "white list" system promotes the development of physical enterprise insurance

2019-12-11 16:57 Source: Sanming City Financial Supervision Bureau

Recently, the city of Sanming released the first batch of 5 “white list” companies involved in financial cases, which has helped 7 (times) companies to temporarily unseal, refinance and refinance loans 830 million yuan, effectively preventing the spread of corporate credit risk transmission and ensuring the city ’s bad The situation continued to be steadily controlled at a lower level.

The "white list" system of the enterprises involved in the case is a concrete measure taken by Sanming City to conscientiously implement the central and provincial financial work and support the development and deployment requirements of private enterprises. Combining education with the theme of “Do n’t forget your original heart and keep your mission in mind”, focusing on the four articles of the Central Soviet Area, old industrial bases, green ecology, and civilized cities, the Sanming Financial Supervision Bureau in conjunction with the municipal courts, the Banking and Insurance Regulatory Bureau, and other departments conducted in-depth “ The special action of visiting enterprises, solving problems and promoting "six stability" aimed at the "mutual protection chain" problem that has long plagued enterprises, and effectively prevented the spread of local debt risks to stakeholders. The study on the establishment of "optimizing the establishment of financial and judicial services" Opinions on the Implementation of the "White List" System of the Enterprises Involved in the Case "(Sanzhongfa [2019] No. 120), the first in the province to establish a" white list "system of enterprises involved in the case.

For debt-related companies registered, operating and paying taxes in Sanming, with good credit, normal production and operation, compliance with industrial development policies, and marketable products, they can apply to the local financial offices for inclusion in the "white list." After the city and county financial office conducts a preliminary review of the company's application materials, it will cooperate with the courts, the Industrial and Commercial Bank of China, the People's Bank of China, the Banking and Insurance Supervision Department and creditor's rights financial institutions to conduct research and review within a time limit, and integrate the opinions of all parties and the enthusiasm and initiative of the company in fulfilling the guaranteed debt The situation and assess whether it is included in time. For the enterprises included in the "white list", the court will carefully use property preservation or enforcement measures such as seizure, seizure, freezing, and auction to prevent improper implementation from aggravating the company's operating difficulties; actively adopt extra-coordination, communication and negotiation, litigation mediation, and enforcement Reconciliation and other flexible methods strive to facilitate the parties to reach agreements such as refinancing and renewal of loans, deferred repayments, and conversion of debts to stocks to help entities develop insurance.

Through measures such as differentiated treatment of "whitelist" debt companies and "watering and raising fish", it helps companies maintain normal production and operation activities, adheres to the coordination concept of protecting financial claims and supporting enterprise development, and realizes multilateral cooperation among banks, enterprises, governments, and courts. Win-win. At the same time, the "whitelist" implements dynamic management and regular reviews, and those companies that do not talk about credit and keep promises will be removed from the "whitelist" in a timely manner.

In-depth research to find out the crux of the "mutual protection chain" problem

In recent years, due to the downward pressure on the economy, the credit risk of enterprises in Sanming City has continued to rise. In particular, the problems of "mutual protection circle" and "mutual protection chain" have become prominent, and many enterprises have suffered from production and operations. In order to solve the problem of the spread of credit risks in the “mutual insurance chain” enterprises, the Sanming Financial Supervision Bureau and the Sanming Intermediate Court have launched a special action of “visiting enterprises, solving problems and promoting 'six stability'” in conjunction with the city. On the one hand, I went in depth to the companies involved in the guarantee, carefully listened to the corporate debt and debt relationship and their own bank loans, learned about the asset mortgage and account security issues involved in the refinancing and refinancing process, and analyzed the issues related to the guarantee and enforcement measures on the company's production and operation. influences. On the other hand, it actively understands the risk management and disposition policies of creditor banks and the requirements of refinancing and refinancing conditions, consults the enthusiasm and initiative of the companies involved in fulfilling the guaranteed debts, finds out the crux of the problems in the docking process between banks and enterprises, and forms a comprehensive research judgment. opinion.

Promoting the establishment of rules and regulations and standardizing judicial assistance procedures

Aiming at the problems that the enforcement of the "mutual insurance chain" enterprises collectively affect the production and operation of the enterprise, the Sanming Financial Supervision Bureau and the Sanming Intermediate Court are formulating the "Notice on Doing a Good Job in the" Mutual Insurance Chain "Enterprise Refinancing and Insurance On the basis of this, in accordance with the requirements of the city's financing work forum, on September 18 this year, the United Bank Banking and Insurance Regulatory Bureau issued the "Implementation Opinions on Optimizing Financial Judicial Services and Establishing a" White List "System of Case-Related Enterprises", which was the first to be established in the province. The "white list" system of companies involved in the case, improve the negative credit punishment mechanism and positive support and incentive mechanism for companies involved in financial cases, protect the legal rights and interests of creditors and protect the production and operation of debt enterprises on an equal basis in accordance with the law, improve the ability of the companies involved to perform debts, and optimize finance Ecological environment, enhance the sense of gain of physical enterprises doing business in the Ming Dynasty.

Optimize trial execution and balance claims and debts

Flexible enforcement. For the debt-related companies listed in the "white list", the court carefully used property preservation or enforcement measures such as seizure, seizure, freezing, and auction in accordance with the law to avoid aggravating business difficulties due to improper implementation. Promote reconciliation and actively adopt protective methods such as extra-coordination, communication and negotiation, litigation mediation, and enforcement of reconciliation, and strive to facilitate the parties to reach agreements such as refinancing and renewal of loans, deferred repayments, and debt-to-equity swaps to avoid the intensification of conflicts between creditors and debtors. A win-win situation for all parties, adhere to the concept of equal emphasis on protecting financial claims and supporting corporate development. Through the differential treatment of "whitelist" debt companies and "water release and fish farming" measures, companies in the "mutual insurance chain" will be able to refinance loans in a timely manner and maintain normal loans. Production and operation, encourage enterprises to actively save themselves, develop insurance, adhere to the contractual spirit of honesty and trustworthiness, and achieve win-win results for banks and enterprises in the political department, and create a good business environment and social credit.

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