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href="/x/dazhengxinwen/">大正新闻</a> > <a href="/x/dazhengxinwen/meitijujiao/">政策解读</a></p></header> </div> <ul> <div class="focusnews_box"> <div style="line-height:30px;"> </div> <h2>湖北省政府性融资担?；谷谧实１Ｒ滴穹吹１Ｉ柚弥敢ㄊ孕校?/h2> <div class="r_fb">【发布时间：2022-03-30 15:45:21】【阅读次数：<script src=/e/public/ViewClick/?classid=16&id=499&addclick=1></script>】</div> <ul> <p><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">各市、州、县地方金融工作局（金融办），人民银行武汉分行营业管理部、湖北辖内各中心支行、各直管市区支行，各银保监分局、直管组，各融资担?；梗?/span></section><p><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; visibility: visible; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">为推动我省政府性融资担?；菇徊焦娣斗吹１Ｖ贫?，有效缓解小微企业、“三农”、创业创新和战略性新兴产业主体融资难问题，更好地服务实体经济发展，我局联合人民银行武汉分行、湖北银保监局制定了《湖北省政府性融资担?；谷谧实１Ｒ滴穹吹１Ｉ柚弥敢ㄊ孕校?。现印发给你们，请遵照执行。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"> </span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: right; white-space: normal; background-color: rgb(255, 255, 255); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; visibility: visible; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">湖北省地方金融监督管理局</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: right; white-space: normal; background-color: rgb(255, 255, 255); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; visibility: visible; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">中国人民银行武汉分行</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: right; white-space: normal; background-color: rgb(255, 255, 255); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">中国银行保险监督管理委员会湖北监管局</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: right; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"> 2022 年 3 月 7 日</span></section></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-family: -apple-system, 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0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">业务反担保设置指引（试行）</span></strong><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"></span></strong><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"></strong></span></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;">第一章总则</span></strong><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;"></span></strong><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"></strong><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;"></span></strong><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"></strong></span></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第一条为规范我省政府性融资担?；狗吹１Ｐ形?，加大信用业务力度，放宽反担保要求，不断做强做优主业，有效缓解小微企业、“三农”、创业创新和战略性新兴产业主体（以下简称小微企业等主体）融资难问题，促进政府性融资担?；垢玫胤裼谑堤寰?，制定本指引。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第二条本指引所称反担保，特指政府性融资担?；乖诳谷谧实１Ｒ滴袷?，为了保障追偿权实现，要求融资人以第三人的信用或者以特定财产、财产性权利提供担保的行为。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第三条政府性融资担?；箍剐∥⑵笠档戎魈迦谧实１Ｒ滴穹吹１９ぷ饔ψ裱韵略颍?/span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）规范性原则</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">政府性融资担?；褂Φ卑凑铡吨谢嗣窆埠凸穹ǖ洹?、《融资担保公司监督管理条例》及其他规范性文件的规定，依法做好反担保管理，规范反担保操作流程，确保反担保方式合法、合规，有效防范法律风险与操作风险，促进业务健康发展。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）适度性原则</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">政府性融资担?；褂Φ奔哟笮庞靡滴窳Χ?，合理、适度设立反担保方式，放宽反担保要求，拓宽反担保渠道，同时逐步提高信用担保业务占比，降低抵（质）押担保业务占比，为缺乏抵质押物但有较好经营前景的小微企业等主体提供融资担保服务。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（三）有效性原则</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">政府性融资担?；股柚梅吹１７绞接Ω萑谧嗜说纳?、资产负债等情况，因地制宜、一企（户）一策，有效增强其履约偿债意愿，促使其诚实守信、规范经营。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;">第二章反担保方式</span></strong></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第四条政府性融资担?；沟姆吹１７绞街饕ㄒ韵吕嘈停罕Ｖし吹１?、抵押反担保、质押反担保等。政府性融资担?；箍勺酆峡悸切∥⑵笠档戎魈宸缦涨榭?，采用一种或一种以上反担保方式进行组合。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第五条政府性融资担?；褂哟罅Χ韧贫庞玫１Ｒ滴穹⒄?，对符合下列条件之一的情形，政府性融资担?；挂话阌剐庞玫１Ｒ滴?，根据融资人实际情况不要求融资人提供反担?；蛘呓鲆笕谧嗜颂峁┍Ｖし吹１＃?/span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）个人创业担保贷款及合伙经营“捆绑式”创业担保贷款。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）单户担保金额人民币200万元及以下，且融资人符合种养大户、家庭农场、农民合作社、小微农业企业等新型农业经营主体认定标准的融资担保业务。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（三）获得县级以上劳动模范、道德模范、退役英模、创业明星、巾帼建功标兵、“双学双比”女能手等荣誉称号的个人及其创办的小微企业。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（四）取得国家最高科学技术奖、国家自然科学奖、国家技术发明奖、国家科学技术进步奖、国际科学技术合作奖、中国专利奖等科技奖项，以及入选国家科技计划、国家中长期人才发展规划、国家“万人计划”、中科院“百人计划”、长江学者奖励计划、湖北省海外高层次人才引进计划、湖北省“楚天学者”计划、知识创新专项计划、技术创新专项计划、湖北省隐形冠军名录等科技计划、人才计划、发展计划的个人及其创办的小微企业或纳入名录中的小微企业。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（五）政府性融资担?；褂胍幸到鹑诨?、省级再担?；箍古炕滴窈献?，明确锁定担保体系代偿率上限，以“见贷即?！狈绞娇沟男∥⑵笠等谧实１Ｒ滴?。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（六）政府性融资担?；钩浞掷没チ?、大数据、云计算等技术，与银行业金融机构或征信机构合作开发的线上小微企业融资担保业务产品。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第六条政府性融资担?；褂徊浇档头吹１Ｃ偶?，对符合下列条件之一的情形，可以适当降低反担保门槛，弱化对抵（质）押物等反担保要求：</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）成长性好、发展前景优良、有较强就业吸纳能力，且经评审认定第一还款来源有保障的小微企业。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）省十大重点农业产业链工作联席会议确定的重点支持的农业产业化龙头企业或白名单企业。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（三）政府性融资担?；怪氐阒С纸谀芑繁?、新能源、新能源汽车等战略性新兴产业生产制造端的绿色融资担保业务，以及支持绿色农业开发项目，绿色林业开发项目，工业节能节水环保项目，自然?；?、生态修复及灾害防控项目，资源循环利用项目，垃圾处理及污染防治项目，可再生能源及清洁能源项目，农村及城市水项目，建筑节能及绿色建筑项目，绿色交通运输项目等节能环保项目的绿色融资担保业务。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（四）政府性融资担?；褂氩盗?、供应链“链主”企业及征信机构合作，通过掌握上下游小微企业的资金流、物流和信息流，降低信息不对称，重点支持产业链、供应链小微企业的融资担保业务。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（五）政府性融资担?；谷娣治?、研判、评估科技型小微企业核心技术、创新能力、关键岗位人才信息和潜在风险，重点支持科技型小微企业开展技术研发、成果转化、装备购置、产能扩张等项目的融资担保业务。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（六）政府性融资担?；怪氐阒С终莆詹怠白ň匦隆奔际?、特别是在“卡脖子”关键技术攻关中发挥作用的小微企业的融资担保业务。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（七）劳动密集型小微企业的创业担保贷款。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第七条政府性融资担?；箍筛萑谧嗜怂诘厍恼逍庞没肪?、企业实际生产经营情况、财务信息以及实际控制人的信用信息、行为表现、社会声誉等非财务信息对反担保方式作适当调整。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第八条政府性融资担?；褂υ诜戏?、法规规定和有效控制风险的前提下，积极拓展反担保方式和范围，原则上“市场可定价、闭环可流通、法律可追溯、执行可操作”的资产和权益均可作为反担保方式。鼓励政府性融资担?；够乒悴捎迷耸渖璞福ǔ盗?、船舶）、农业机械、牲畜活禽、农村承包土地经营权、水域滩涂养殖权、知识产权、排污权、碳排放权、收益权、特许经营权、植物新品种权等动产和权利作为反担保方式的融资担保业务。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">政府性融资担?；褂Φ北３侄允谐⌒乱堤?、新变化的密切关注，持续加强新型反担保方式的开发。支持政府性融资担?；褂氲谌浇鹑诓执⒒?、供应链金融服务平台等机构合作，共同开发新型反担保方式。鼓励政府性融资担?；够剿骺蛊谌ɑ坏１?、分红换担保、出口退税账户、出口信保保单、农业保单、仓单等作为反担保方式的融资担保业务，探索利用工程供水、供热、发电、污水处理、垃圾处理、政府采购中标合同、生产订单等预期收益质押作为反担保方式的融资担保业务。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;">第三章反担保管理</span></strong></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第九条政府性融资担?；褂ν咨粕柚梅吹１１Ｇ吧蟛榛?，有效防范业务风险。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）政府性融资担?；褂ψ龊梅吹１７绞降姆珊瞎嫔蠛?，确保反担保方式符合《中华人民共和国民法典》等相关担保法律法规规定。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）政府性融资担?；褂θ繁７吹１７绞秸媸?、有效。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（三）反担保方式需要进行价值评估的，政府性融资担?；褂⒑侠淼募壑灯拦婪椒?，确保评估价值符合客观实际，防止反担保方式价值虚高或偏低。反担保方式的价值可由担?；谷峡傻幕蛊拦廊范?，也可由担?；菇岷鲜谐〖壑底孕衅拦廊范?，鼓励政府性融资担?；钩械Ｆ拦婪?。政府性融资担?；褂侠砩柚闷拦兰壑涤行?，有效期内的反担保方式可直接按照评估结果确定评估价值。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十条政府性融资担?；褂侠砩瓒ǚ吹１７绞?，不得设定过度反担保。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）政府性融资担?；褂侠砣范ǚ吹１７绞降郑ㄖ剩┭郝?，抵（质）押率原则上不低于银行业金融机构同类资产抵（质）押率的上限。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）政府性融资担?；乖蛏喜坏靡笮∥⑵笠档戎魈逄峁┏畹郑ㄖ剩┭悍吹１７绞?，小微企业等主体为单笔融资担保业务提供的全部反担保方式，根据担?；股瓒ǖ牡郑ㄖ剩┭郝收鬯愫蟮募壑?，一般不高于担?；刮∥⑵笠档戎魈甯孟钊谧侍峁┑１５慕鸲?。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（三）如果政府性融资担?；刮葱路吹１７绞?，接纳不被银行业金融机构认可的抵（质）押物，或以化解存量风险为目的，可不受上述两项限制。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十一条政府性融资担?；褂忧糠吹１Ｆ谙薰芾?。反担保期限应与担保期限相匹配，原则上不得长于担保期限。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十二条政府性融资担?；褂θ险孀龊酶骼喾吹１：贤那┦鸸ぷ?。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）政府性融资担?；拱炖肀Ｖだ喾吹１７绞绞?，应与保证人订立保证合同。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）政府性融资担?；拱炖淼郑ㄖ剩┭豪喾吹１７绞绞?，应与抵（质）押人订立抵（质）押合同。以共同共有财产抵（质）押的，政府性融资担?；褂τ胨胁撇灿腥饲┒┑郑ㄖ剩┭汉贤?。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（三）同一融资担保业务项下需要设定多种反担保方式的，政府性融资担?；褂Φ庇氡Ｖと?、抵押人、出质人分别签订相应的担保合同。保证合同、抵（质）押合同内容应当符合《中华人民共和国民法典》等相关担保法律法规规定。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">反担保人为公司或其他组织的，应当要求反担保人依照《中华人民共和国公司法》、《中华人民共和国合伙企业法》等法律法规的规定出具同意担保的决议文件或其他书面文件。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十三条政府性融资担?；褂瞎姘炖砀骼喾吹１５羌鞘中?。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">对于法律规定登记生效或未经登记不得对抗善意第三人的抵（质）押财产，政府性融资担?；褂笆痹诜ǘǖ羌遣棵虐炖淼郑ㄖ剩┭旱羌?，取得他项权利证书或其他抵（质）押登记证明文件。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">政府性融资担?；褂Ω莸郑ㄖ剩┭翰撇湎帜岩壮潭燃捌渌缦湛刂菩枰?，酌情要求办理公证手续。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十四条为充分发挥政策性职能，政府性融资担?；箍稍诤侠砥拦酪滴穹缦盏那疤嵯?，充分考虑小微企业等主体实际情况，灵活采用余值抵押、顺位抵押、预告登记、留置等方式办理反担保手续，提升小微企业等主体的融资便利性。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十五条政府性融资担?；褂擞孟呱锨腊炖淼羌鞘中?/span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）政府性融资担?；褂尤胫泄嗣褚姓餍胖行亩谧释骋坏羌枪鞠低?，实现生产设备、原材料、半成品、产品抵押，应收账款质押，存款单、仓单、提单质押等反担保方式的线上办理。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）所在区域不动产登记部门已开通不动产线上抵押登记渠道的，政府性融资担?；褂尤胂喙仄教?，实现不动产抵押登记线上办结。其他类型反担保方式可通过互联网渠道办理登记手续的，政府性融资担?；褂笆苯尤胂喙仄教?，迅速实现线上登记。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十六条政府性融资担?；褂θ险孀龊玫蛋腹芾?，对各类反担保合同、抵（质）押登记证明及相关文件应实行专门管理，做到账实分管、交接明晰、台账完整。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十七条政府性融资担?；褂η炕吹１１：蠊ぷ?，并根据保后检查情况做好分类管理。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）融资担保业务存续期内，政府性融资担?；褂Π凑毡：蠊芾硐喙匾蠖陨瓒ǖ姆吹１７绞浇屑觳楹凸芾?。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）融资担保业务存续期内，若发生异常情况可能造成保证人担保意愿降低、代偿能力减弱或担保责任免除的，政府性融资担?；褂κ忧榭黾笆辈扇》缦辗揽卮胧?。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（三）抵（质）押有效期内，如抵（质）押人有恶意转移、处置抵（质）押财产或阻碍政府性融资担?；挂婪ㄊ迪值郑ㄖ剩┭喝ǖ?，政府性融资担?；褂κ忧榭黾笆辈扇》缦辗揽卮胧?。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（四）融资担保业务本息全部清偿正常解保不续保的，保证、抵（质）押合同终止。政府性融资担?；褂Φ庇氲郑ㄖ剩┭喝讼蛟羌腔匕炖碜⑾羌?，并将保管的相关文件返还给抵（质）押人，办妥交接手续。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（五）融资担保业务到期，小微企业等主体未能清偿全部融资担保业务本息，或者由于小微企业等主体严重违约，经银行业金融机构、政府性融资担?；构餐隙ú⑿掏?，银行业金融机构提前收回融资担保业务本息而小微企业等主体不能偿还时，政府性融资担?；褂笆甭男写ピ鹑?，在保证期间内对一般保证的债务人提起诉讼或者申请仲裁，或在保证期间内书面通知连带责任保证的保证人承担保证责任，或行使抵押权、质押权，并取得回执或其他司法认可有中断诉讼时效效力的证明。债务完全清偿前，担?；剐氤中呤?，确保对保证人的债权诉讼时效不届满。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">（六）同一担保业务主合同项下，既有保证，又有抵押或质押的，政府性融资担?；褂τ敫鞣降１Ｈ嗽级?，可选择要求保证人履行保证责任，或行使抵押权、质押权，或同时向保证人、抵押人或质押人主张权利。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;">第四章附则</span></strong></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; color: rgb(120, 172, 254); box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></strong></span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十八条政府性融资担?；褂Π凑展液托幸导喙芟喙毓娑?，根据本指引要求，结合本单位实际情况，制定具体的融资担保业务反担保管理办法或操作规范，并报履行出资人职责的部门和业务监管部门备案。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第十九条本指引由湖北省地方金融监督管理局负责解释。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">第二十条本指引自颁布之日起实施。</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"> </span></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: right; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 14px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">湖北省地方金融监督管理局</span></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: right; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 14px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">中国人民银行武汉分行<br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: right; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 14px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">中国银行保险监督管理委员会湖北监管局</span></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-indent: 2em; text-align: right; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 14px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">2022年3月7日</span></section></p><p><br/></p></p> </ul> </div> </ul> </div> </div> <div style="line-height:60px;"> </div>  <div class="foot"> <div class="main dn font_c"><span> 地址：湖北省荆州市江津东路167号 <a >鄂ICP备16012115号-1</a> </span><a href="/">网站首页</a> | <a href="/x/zoujindazheng/gongsijianjie/">关于公司</a> | <a href="/x/dazhengxinwen/gongsiyaowen/">工作动态</a> | <a href="/x/kehufuwu/">公司服务</a> | <a href="/x/zoujindazheng/qiyewenhua/">公司文化</a> | <a href="/x/renliziyuan/zhaopinzhongxin/">人才招聘</a> | <a href="/x/lianxiwomen/lianxixinxi/">联系我们</a></div> </div> <a href="http://www.724ur.com/">性激烈的香港三级视频,男朋友不让戴胸罩他要摸,好紧好湿好爽好硬视频,俄罗斯少妇与禽交性视频</a> <script> (function(){ var bp = document.createElement('script'); var curProtocol = window.location.protocol.split(':')[0]; if (curProtocol === 'https') { bp.src = 'https://zz.bdstatic.com/linksubmit/push.js'; } else { bp.src = 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