国家开发银行非洲中小企业发展专项贷款产品介绍

2009年11月，温家宝总理在中非合作论坛第四届部长级会议上宣布：“今后三年中国政府将采取八项举措推进中非合作……第三项，增加非洲融资能力……支持中国金融机构设立非洲中小企业发展专项贷款，金额十亿美元……。”
At the Fourth Ministerial Conference of Forum on China-Africa Cooperation, H.E.Mr. Wen Jiabao, Premier of the State Council of the People’s Republic of China, announced Eight New Measures to strengthen China-Africa cooperation, among which the third measure is to help Africa build up financing capacity, and “support Chinese financial institutions in setting up a US$1 billion special loan for small and medium-sized African businesses”

为配合国家对非经济外交战略的实施，国家开发银行（下称“开行”）作为中非合作论坛后续行动委员会成员，独家承办非洲中小企业发展专项贷款（下称“专项贷款”）举措，设立10亿美元专项贷款产品。
As a member of Chinese Follow-up Committee of Forum on China-Africa Cooperation, CDB actively prepares and sets up the special loan of US$1 billion for the development of African SMEs. (Hereafter referred to as “the Loan”)

截至2012年1月底，专项贷款开发跟踪项目55个，涉及贷款金额14.54亿美元，覆盖29个非洲国家；累计承诺项目35个，金额7.74亿美元；已签合同项目29个，合同金额6.33亿美元；已发放贷款项目26个，累计发放贷款2.78亿美元，贷款余额2.56亿美元。资金支持了非洲农产品种植与加工（棉花）、畜牧业养殖与加工（皮革）、轻工机械（摩托车、空调、电视）、小商品贸易等与民生紧密相关的行业领域。通过合资公司、加工厂、装配厂等形式直接为当地创造就业机会1.02万个，间接使39万农户、养殖户受益，带动贸易额3.11亿美元，在非洲得到热烈响应。为加快推进专项贷款举措落实工作，现将开行专项贷款有关内容详细介绍如下：
By the end of Jan. 2012, CDB had signed special loan contracts of US$ 633million, cumulatively extended US$278 million, and committed US$ 774million to various projects. It is also following up projects worth over US$ 1454 million. The Special Loan business covers 29 countries including Kenya, Angola, Morocco, South Africa, Nigeria, Ghana, Mozambique and Ethiopia, etc. The projects supported by the loans have directly and indirectly created 10,200 and over 390,000 local job opportunities respectively, promoted China-Africa trade volume over US$ 311 million. To speed up the implementation of the Loan, we introduce the relevant content as follows:

一、专项贷款经营原则和特点
I. Principles for the Operation and Main characteristics of the Loan
（一）经营原则
(I) Principles for the Operation of the Loan
专注于向非洲中小企业提供融资支持，通过市场化运作普惠非洲，巩固中非传统友谊，互利共赢，推进中非新型战略合作伙伴关系。
Focus on providing financing support to African SMEs. Strengthen traditional friendship between China and Africa. Cooperate to yield a mutual beneficial result and establish a win-win relationship. Benefit the African continent through market operations.
（二）特点
(II) Main characteristics
政策性：是中国政府对非新八项举措之一，通过帮助非洲中小企业解决融资难题，体现中非务实合作，深化中非合作伙伴关系。
商业性：不是政府援助资金，开行按照商业化原则运作，根据项目重要性、借款人信用等级、项目风险评估结果等因素制定贷款价格。
普惠性：根据各国实际情况，按照“一国一策”的原则开展专项贷款业务，争取惠及非洲各国。
灵活性：满足各类中小企业融资需求，可以是固定资产投资贷款或流动资金贷款；贷款期限最长5年；可使用美元、欧元或人民币；可选择固定或浮动利率；提还款计划可视双方谈判情况灵活掌握。
Government Background: Chinese government. CDB intends to help African SMEs ease the financing difficulties, and then to deepen the cooperation between China and African countries.
Commerciality: The Loan is not governmental aid funds. CDB will follow commercial principles, and set the price according to the importance of the project, the credit rating of the borrower and the result of project risk assessment, etc.
Universality: CDB would carry out the Loan according to the realities of each country and complying with the principle of “One Country, One Policy”, to seek to benefit every African country.
Flexibility: The Loan aims to meet various financing needs of SMEs. The loans could be fixed assets loans or liquidity loans with tenor of no more than 5 years; currency of the loans can be U.S. dollar, Euro or RMB; floating or fixed interest rate can be adopted; drawdown and repayment schedule could depend on negotiation.
二、非洲中小企业界定标准
II. Acceptable Standard of African SMEs
非洲中小企业发展专项贷款是指国家开发银行在中非合作论坛框架下为拓宽非洲中小企业融资渠道，活跃当地经济，增加就业，拉动进出口贸易，提升当地民生水平而设立的专项贷款，向符合条件的非洲中小企业提供。
界定标准依据当地政府规定的中小企业标准，无具体标准的参照同等经济发展状况、区域内国家和有关区域金融机构标准，或当地政府有关部门认可其为中小企业的均可纳入专项贷款支持范畴。
The Loan is provided by CDB under the framework of the Forum on China-Africa Cooperation with the purpose of broadening the financing channels of SMEs, vitalizing local economy, creating employment opportunities, enlarging trade volume and increasing people’s living standard. The Loan is available to all qualified African SMEs.

Acceptable Standard of African SMEs:
The standard of SMEs set by related department of local government
The standard of SMEs set by local market
Being recognized as local SMEs by related department of local government
The standard in countries of similar economic development level in the same region
The standard set by relevant regional financial institutions
三、操作模式
III. The Two Basic Operational Models of the Loan
专项贷款分为授信平台转贷和直贷授信两种模式。
Platform-lending and Direct Lending are two models of the Loan.
（一）授信平台转贷
(I) Platform-lending
由项目所在国政府认可的金融机构或其他符合条件的机构作为借款人，并承担最终还款责任。开行向平台借款人提供一定额度授信，当地中小企业向平台借款人申请转贷款，平台借款人审核通过后，由开行核准通过后发放贷款。
Government-approved financial institutions or other eligible institutions of the host country will be chosen as platform-lenders shouldering the responsibility of final repayment. CDB would extend proper credit lines to platform-lender, to whom local SMEs could apply for credit line. Once approved, the application should be reported to CDB by the platform-lender for ratification, after which the loan could be disbursed.
（二）直贷授信
(II) Direct Lending
由在非洲当地注册的企业或其控股股东作为借款人，开行直接向借款人发放贷款，并由借款人承担最终还款责任。
The locally incorporated enterprises or their holding entities can be borrowers shouldering the responsibility of final repayment, to whom CDB directly issues loans.
四、专项贷款支持范围
IV. The target sectors the Loan supports
（一）基础设施类
(I) Infrastructure：
电力/Power
农业水利灌溉设施/Agricultural Water Conservancy and Irrigation
交通/Transportation
（二）基础产业类
(II)Basic Industries：
商业流通/Commercial Circulation
服务业/Service Industry
（三）第三产业
（III）Tertiary Industry：
出口外向型工业/Export-oriented Industries
农业种植/Agriculture
建材业/Building Materials
深加工/Deep Processing
医疗卫生/Medicine and Health
通讯/Telecommunications
（四）其他
（IV） OTHERS：
节能环保/Energy Conservation and Environmental Protection
文化教育/Culture and Education
五、相关建议
V．Recommendations
为充分体现专项贷款举措的政策性，可请我驻非洲各国经商参处协助开行与所在国政府有关中小企业主管部门或商务部门建立联系，引起当地政府对专项贷款举措落实的重视和认可。非洲国家政府部门可推荐金融机构作为授信合作备选平台，或推荐所在国政府关注、政治意义大、社会效益好的项目，由开行对其进行评估，根据评估结果确定最终借款人。
To fully reflect the Loan’s policy background, relationships between CDB and the relevant government department in charge of SMEs or the department of commerce can be established in the assistance of the Economic and Commercial Counsellor’s Office of Chinese Embassies, winning local government’s attention and recognition of the Loan. African governments can recommend financial institutions as candidates for platform-lenders or projects with decent government attention, political significance and social benefits, the ultimate borrowers will be determined by CDB’s assessment results.
专项贷款申请受理可与所在国的开行工作人员联系。
You can get information about the Loan applications by contacting CDB mission group in your country.
六、专项贷款案例
VI. CASE
（一）转贷授信案例
（I）Cases for Platform-lending
肯尼亚公平银行有限公司5000万美元授信项目。
肯尼亚公平银行是肯尼亚当地乃至非洲地区微金融贷款领域的佼佼者，是国家开发银行在肯尼亚开展中小企业专项贷款的合作平台。目前国家开发银行已向肯尼亚公平银行发放贷款5000万美元，支持玛塔瑞茶厂、卡普考瑞斯特茶厂及嘉利物流公司等项目，对活跃当地经济、解决就业、拉动出口贸易有积极意义。
The Equity Bank $50 million platform-lending project
The Equity Bank of Kenya (EBK) is the leading micro-finance lender of the country and even of the whole Africa. CDB has chosen EBK as platform-lender in Kenya. Tea is Kenya’s second largest export product, supporting tea processing industry is significant to revitalizing local economy, creating jobs and stimulating exportation. By now, CDB has issued US$50 million in loans to EBK. The loan supported Mataara Tea Factory Expansion Project, Kapkoros Tea Factory Project, Jetlink Logistics Project and etc. This platform-lending project has great significance of vitalizing local economy, creating employment opportunities, enlarging trade volume.
西非开发银行6000万欧元授信项目。西非开发银行是西非经货联盟地区次区域开发性金融机构，覆盖西部非洲八个国家，国家开发银行向其提供6000万欧元非洲中小企业发展专项贷款授信，用于支持西非经货联盟区域的中小企业发展。
The West African Development Bank $60 million platform-lending project
West African Development Bank is UEMOA’s sub-regional development financing institution, covering eight western African countries. CDB provided €60 million of the Loan to support SMEs in the region of UEMOA.

（二）直贷授信案例
（I）Cases for Direct Lending
旺奇照明（埃及）有限公司贷款项目。旺奇照明是由中国上海旺奇照明机械有限公司投资，经中国商务部、上海市商委批准的赴非洲投资的私营企业。主要从事制造、生产和销售各种规格的灯泡、日光灯、节能灯等电光源产品，在埃及建成并投入生产的工厂有两个，年产普通灯泡750万只、日光灯150万只、节能灯电子板150万个，有效缓解了埃及电光源产品需要进口的局面，并带动当地就业200余人。截至目前，项目运行情况良好，贷款已进入还款期。
Wonder Lighting Egypt Co. Direct Lending Project
Wonder Lighting Egypt Co. is a private company invested by Shanghai Wonder Lighting & Machine Co.,Ltd. Its investment in Africa is approved by the Ministry of Commerce of China and ShangHai Municipal Commission of Commerce. The Wonder Lighting Egypt Co. is mainly involved in manufacturing, producing and marketing of a variety of light bulbs, fluorescent lights and energy-saving lamps. Two factories have been built and put into operation in Egypt, with an annual production of 7.5 million light bulbs, 1.5 million fluorescent lights and 1.5 million energy-saving lamp electronic board, which effectively alleviated Egypt’s dependence of electric light products’ importation and created 200 jobs. In October 2010, CDB disbursed US$1 million of the Loan to Wonder Lighting Egypt Co. for the procurement of raw materials and day-to-day production and operation. Up to now, the project is operating well and enters the repayment period.

来源：西亚非洲司 类型：转载