​金融政策 Finance Policies

金融政策合集

（一）海南省/自贸港政策

1.构建多功能自由贸易账户体系。跨境贸易和新型国际贸易银行真实性审核从事前审查转为事后核查。企业发行外债备案登记制管理权下放海南。企业境外上市外汇登记直接到银行办理。支持境外证券基金期货经营机构设立独资或合资金融机构。支持设立财产险、人身险、再保险公司以及相互保险组织和自保公司;

2.发展场外衍生品业务，开展跨境资产管理业务，面向全球发行海南地方政府债券;

3.取消船舶和飞机境外融资限制;

4.优先支持企业境外上市，企业境外上市外汇登记直接到银行办理;

5.立足自由贸易港建设实际制定法规;

6.对提供知识产权质押融资服务的金融机构，按存量和增量两部分进行补助，每家机构不超300万;

7.对金融机构、担保机构、保险机构的风险补偿( 债务人违约)，每家机构每年补偿 金额不超500万元;

8.金融机构可向海南省知识产权局申请风险补偿(未引入担保或保险机构且债务人违约)。100万以内与超100万债务的分别按违约金的15%和10%补偿;

9.担保或保险机构按协议履行代偿责任后(引入担保或保险机构且债务人违约)可向海南省知识产权局申请风险补偿。100万以内与超100万债务的分别按违约金的15%和10%补偿;

（二）三亚市政策

1.金融机构在三亚设立分支机构一次性奖励最高60万;

2.在基金协会备案的私募基金，纳税总额达50万，享受增值税、企业及个人所得税市级留存部分前3年100%财政奖励。私募基金所投企业符合旅游、现代服务、高新技术三个产业且在三亚纳税，给私募基金最高600万资助;

3.鼓励金融机构创新产品和服务，给予一次性最高100万奖励;

4.鼓励银行开展海南FT账户、离岸金融账户业务、对新增存款余额的1%进行最高100万奖励。对涉农贷款、小微企业贷款、绿色产业贷款余额的 0.5—1%进行奖励;

5.按涉农保险费的1%对保险公司业务人员进行奖励，不超500万/年;

6.对资产管理、融资担保、融资租赁、商业保理类公司的实收资本进行一次性最高100万奖励;

7.对成功发行债券的企业给予最高200万奖励;

8.对各类交易平台建设给予最高300万奖励、3年办公费用减免、3年市级财政100%奖励;对金融会议的举办进行最高50万补贴;

9.鼓励担保公司对互联网企业提供融资担保，给予担保公司1.5%的风险补助金;

（三）园区政策

1.企业挂牌融资资金奖励。对满足认定条件的企业在享受三亚市政策的同时，按融资金额的1%给予一次性奖励，最高不超过50万元;

2.企业返程投资资金奖励。对满足认定条件的境内主体返程投资三亚崖州湾科技城项目，按投资额的5%给予一次性奖励，最高不超过500万元;

3.股权投资基金投资奖励。对满足认定条件的企业，按基金实际投资科技城企业或项目总额的1%给予一次性奖励，每家最高不超过600万元;

4.金融机构贷款风险补偿。对向三亚崖州湾科技城注册的科技型中小企业提供贷款服务的金融机构提供风险补偿，满足特定条件下，按确认的贷款本金损失部分的50%进行风险补偿，单个项目风险补偿最高不超过100万元;

Finance Policies

01 Policies of Hainan Province/Fress Trade Port

● Hainan will build a multifunctional free trade account system. The bank authenticity audit of cross-border trade and the new-type international trade is changed from pre-audit to post-verification. The administrative authority for registration of companies issuing foreign bonds is delegated to Hainan. The foreign exchange registration of overseas-listed enterprises can be handled directly by banks. Overseas securities, fund and futures operating institutions are welcome to set up wholly-owned or joint venture financial institutions. The establishment of property in surance, personal lines insurance and reinsurance companies, mutual insurance or ganizations and self-insurance companies is supported;

● OTC derivatives and cross-border asset man agement will be developed, and Hainan provincial bonds will be issued globally;

● Restrictions on overseas financing of ships and aircraft will be lifted;

● Priority is given to supporting enterprises overseas listing. The foreign exchange registration of overseas-listed enterprises can be handled directly by banks;

● Laws and regulations should be formulated based on the actual construction situation of the free trade port;

● Financial institutions that provide intellectual property pledge financing services will, according to their stock and increment amount, receive financial assistance capped at RMB 3 million for each;

● Risk compensation (when debtor defaults) for financial institutions, guarantee institutions and insurance institutions is capped at RMB 5 million per year;

● Financial institutions may apply to Hainan Intellectual Property Office for risk compensation (when the debtor defaults but guarantee or insurance is not available). 15%and 10% of liquidated damages will be compensated for debts less than RMB 1 million and debts exceeding RMB 1 million respectively;

● Guarantee or insurance institutions, after fulfilling their compensatory responsibilities according to the agreement (the guarantee or insurance is available and the debtor defaults), may apply to Hainan Intellectual Property Office for risk compensation. 15%and 10% of liquidated damages will be paid for debts less than RMB 1 million and debts exceeding RMB 1 million respectively;

02 Policies of Sanya Municipality

● Financial institutions which set up branches in Sanya are entitled to a one-off reward up to RMB 600,000;

● A private placement fund filed with the fund association and paying taxes totaling RMB 500,000 is entitled to a financial reward amounting to 100% of its value-added tax, corporate and personal income tax payment retained at the municipal level for the first three years. If the investment goes to tourism, modern services and high-tech companies that are taxpayers of Sanya, the dn pepuemeu eq lim puny jueueoeid eae aud to RMB 6 million;

● Financial institutions are encouraged to innovate products and services with a one-off reward up to RMB 1 million;

● Banks are encouraged to carry out Hainan FT account and offshore financial account business with reward amounting to 1% of the increase in deposit balance and capped at RMB 1 million. Banks will be rewarded at 0.5-1% of the balance of agriculture-related loans, small and micro enterprise loans and green industry loans;

● Insurance company personnel will be rewarded at 1% of the agriculture-related insurance premium, with the reward capped at RMB 5 million/year;

● Asset management, financing guarantee, financial leasing and commercial factoring companies are entitled to a one-off reward for their paid-in capital with the reward capped at RMB 1 million;

● A reward up to RMB 2 million will be given to enterprises that successfully issue bonds;

● The development of various trading platforms is entitled to a reward up to RMB 3 million, 3-year reduction or exemption of office expenses, and a reward amounting to 100% of their tax contribution retained by the municipal government; a subsidy up to RMB 500,000 is available for hosting financial conferences;

● A 1.5% risk subsidy will be given to guarantee companies to encourage them to provide financing guarantees to Internet companies;

03 Policies of YZBSTC

● Reward for listing and financing. Eligible enterprises, on top of preferential policies of Sanya Municipality, will be given a one-off reward worth 1% of the financing amount, with the reward capped at RMB 500,000;

● Reward for the round-trip investment.Eligible domestic entities which have made round-trip investment in SYBSTC are entitled to a one-off reward amounting to 5% of their investment, with the reward capped at RMB 5 million;

● Investment reward to equity investment funds. Eligible funds are entitled to a one-off reward amounting to 1% of the fund's total actual investment in SYBSTC-based enterprises or projects, with the reward capped at RMB 6 million per fund;

● Compensation for loan risks of financial institutions. Risk compensation is offered to financial institutions that provide loan services to SYBSTC-based small and medium-sized science and technology enterprises. Under certain conditions, risk compensation will be made in the amount of 50% of the confirmed loan principal loss, and the maximum risk compensation for a single project shall not exceed RMB 1 million;