海南民间投资专项担保寻合作机构
我要合作金融服务AI 精选📍 海南👁 02026-09-26 17:23
海南正在全面铺开民间投资专项担保业务，由海南省融资担保基金有限责任公司（海南融担）在省财政厅统筹指导下，联动省内合作银行、各级政府性融资担保机构共同推进。截至2026年8月末，该业务备案规模已达8.43亿元，累计帮扶省内民营经营主体超600户，覆盖海洋渔业、先进制造、文旅康养等重点支柱产业。政策背景是2026年1月财政部等部委出台财政金融协同促内需一揽子政策，民间投资专项担保计划为其中一项，海南已配套出台本省计划，明确担保费补贴、风险补偿、差异化分险等专属扶持机制。
机会点在于：该业务需要银行、政府性融资担保机构作为合作方共同参与放款与分险，同时大量缺乏传统抵质押资产的中小微民营企业存在真实融资需求，典型案例如文昌冯家湾产业园某科技型渔业企业，由海南融担联合交通银行定制专项担保贷款方案完成放款。
谁该参与：省内银行机构、各级政府性融资担保机构可对接成为合作方；海洋渔业、先进制造、文旅康养等领域缺乏抵押物、融资周期长、综合成本高的中小微民营企业可申请专项担保贷款。
怎么参与：银行及担保机构可与海南融担对接合作机制；企业可向海南融担或合作银行提出融资担保申请，走审核、审批、放款全流程服务。
时间窗口：政策持续执行中，业务规模仍在扩大，建议尽早对接。
事实依据：海南专项担保政策激活民营经济发展新动能
English version — Hainan Private Investment Special Guarantee Seeks Partner Institutions
Hainan is comprehensively rolling out the private investment special guarantee business, led by Hainan Financing Guarantee Fund Co., Ltd. (Hainan Rongdan) under the overall guidance of the Provincial Department of Finance, and jointly promoted with cooperative banks in the province and government financing guarantee institutions at all levels. As of the end of August 2026, the registered scale of this business has reached 843 million yuan, cumulatively assisting more than 600 private business entities in the province, covering key pillar industries such as marine fisheries, advanced manufacturing, and cultural tourism and health care. The policy background is that in January 2026, the Ministry of Finance and other ministries and commissions issued a package of policies for fiscal and financial coordination to promote domestic demand, and the private investment special guarantee plan is one of them. Hainan has introduced a supporting provincial plan, clarifying exclusive support mechanisms such as guarantee fee subsidies, risk compensation, and differentiated risk sharing.
The opportunity points are: This business requires banks and government financing guarantee institutions to participate as partners in lending and risk sharing. At the same time, a large number of small and medium-sized private enterprises lacking traditional collateral assets have real financing needs. A typical case is a technology-based fishery enterprise in Wenchang Fengjiawan Industrial Park, for which Hainan Rongdan partnered with Bank of Communications to customize a special guarantee loan solution and complete the disbursement.
Who should participate: Banks in the province and government financing guarantee institutions at all levels can