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又到丹桂飘香的金秋时节,为贯彻落实省委、省政府大力推进城市化和特色工业园区建设的战略方针,省计委与国家开发银行杭州分行近日联合召开了城市基础设施和特色工业园区项目融资研讨会。借此机会,本刊记者就开发银行如何为我省城市化建设提供支持和服务,采访了国家开发银行杭州分行行长徐勇。委)的推荐。自1994年国家开发银行成立以来,开行贷款投放占同期全国所有银行固定资产贷款投放总量的40%。开发银行信贷资金具有以下五个特点:一是实力雄厚,资金供应量大,在固定资产贷款领域占据主导地位。二是资金稳定,不受国内外宏观形势变化的影响,开行贷款一旦承诺,将严格履行贷款合同。据对10年来国家重大建设项目资金到位情况的典型调查,开行资金到位率位居第一,高于财政资金。三是期限长,一般贷款期限均在十年以上,适应大型项目投资回收期长的需要,减轻地方财政压力。四是不占用当地存款,不挤占中小企业的信贷资金,还有助于当地银行改善金融服务。五是对其它银行的资金投向具有示范作用,从开行这几年项目开发的情况看,很多开行介入的项目,商业银行都积理;以项目所形成的收益权利有效资产办理贷款的抵(质)押;政府出具承诺函,明确当借款人不能按期偿还开行贷款时,由政府将还款支出纳入同期财政预算内外支出,用于还款支出,并需要同级人大同意。各地土地储备中心土地储备项目可以单独作为一个项目向开行提出申请,且贷款条件比一般城建项目要求低,主要条件一是政府出台土地储备办法,明确由土地储备中心统一征地,统一出让,统一储备;土地出让所得收入首先补偿土地储备中心各项成本支出,保证土地储备中心正常运转。二是以收储土地办理贷款抵押。三是政府出文承诺,当土地储备中心不能按期偿还到期贷款时,由政府将还款支出纳入同期财政预算内外支出,用于还款支出,并需要同级人大同意。
In the golden autumn season of Tan Kwai fragrance, in order to implement the strategic policy of provincial party committee and government to vigorously promote the construction of urbanization and characteristic industrial park, Hangzhou Planning Commission and Hangzhou Branch of China Development Bank jointly held the urban infrastructure and special industries Park project financing seminar. Take this opportunity, our correspondent on how to develop the bank for the province’s urban construction to provide support and services, interviewed China Development Bank Hangzhou Branch President Xu Yong. Commission) recommendation. Since the establishment of the China Development Bank in 1994, CDB loans have contributed 40% of the total fixed asset loans to all banks in the country during the same period. Development Bank credit funds have the following five characteristics: First, the strength of large supply of funds, in the field of fixed assets loans dominate. Second, the funds are stable and are not affected by the macroeconomic changes at home and abroad. Once a lender starts a loan, the loan contract will be strictly implemented. According to a typical survey on the status of funding of major national construction projects in 10 years, the bank has taken the first place in the place where the funds are available, which is higher than the financial funds. Third, long deadline, the average duration of loans are more than a decade, to meet the needs of large-scale investment recovery period needs to reduce the local financial pressure. Fourth, it will not occupy local deposits, seize credit funds for SMEs, and help local banks improve their financial services. Fifthly, it plays an exemplary role in the capital investment of other banks. From the perspective of the development of projects in the past few years, many projects involving commercial banks and commercial banks have accumulated their benefits. The effective asset-backed loans ); The government issued a letter of commitment, clearly when the borrower fails to repay the opening loan, the government will be included in the repayment of expenditures over the same period both internal and external budget expenditures for the repayment of expenditure, and the consent of the people at the same level. The land reserve projects of all the land reserve centers can be applied for as a separate project to the ICBC and the loan conditions are lower than those of the general urban construction projects. The main conditions are that the government has introduced the land reserve measures, specifying the unified land requisition by the land reserve centers, the unified transfer, the unified reserve The income from land sales will first compensate various costs and expenses of the land reserve center to ensure the normal operation of the land reserve center. The second is to collect land for mortgage loans. Third, the government promises that when the land reserve center can not repay its due loans on schedule, the government will include repayments in and out of the budget for the same period for repayments and require the consent of people’s congresses at the same level.