Entrepreneurship guarantee loan is a special loan to meet the needs of entrepreneurship. This policy began in 22. So who are the main targets of entrepreneurial loan support? Let's take a look at it together!

At present, the targets of policy support specifically include registered unemployed people in cities and towns who meet the prescribed conditions, people with employment difficulties (generally, those who are older, have disabilities, enjoy the minimum living security, have been unemployed for more than one year, and are difficult to achieve employment due to land loss and other reasons), demobilized military personnel, college graduates, released from prison and reeducation-through-labor personnel, and newly recruited people who meet the application conditions for business guarantee loans reached 3% of the total number of existing employees in the enterprise (more than 1,). According to the provisions of Shaanxi Zhengban Fa [215] No.26 document, entrepreneurs who meet the requirements can be given business guarantee loans according to regulations, and the financial department will arrange the funds needed for loan discount according to regulations.

Further reading: Support Policies for Entrepreneurship Loans in 217

Types of Entrepreneurship Guaranteed Loans

Entrepreneurship Guaranteed Loans are divided into two categories: The first category refers to the entrepreneurship loans that are guaranteed by the Venture Capital of Entrepreneurship Guaranteed Loans, the designated guarantee institutions implement counter-guarantees, and the designated undertaking banks lend, which is referred to as "Class I loans" for short; The second category refers to the entrepreneurial loan that the applicant directly applies to the county bank by means of mortgage, pledge, guarantee and credit, hereinafter referred to as "the second category loan". Both types of loans must be approved by the Human Resources and Social Security Bureau, and both can enjoy the discount policy according to regulations.

Conditions for applying for a business guarantee loan

1. Applicants must be registered workers and college students in this county who are within the legal working age, have not gone through the formalities of receiving basic old-age insurance on a monthly basis, have no bad credit records, and have not been employed in a business entity other than their own;

2. Applicants must establish business entities such as enterprises, individual industrial and commercial households (including recognized online entrepreneurship) and private non-enterprises in this county, and the registration time of business licenses or the establishment time of online stores are after 213;

3. If an investor who is not the legal representative (person in charge) of an operating entity applies for this loan, its share in the enterprise must be above 3%;

4. Other members of the borrower's family are not allowed to apply for business guarantee loans repeatedly for business projects with the same scope and nature.

amount and duration of business start-up guarantee loan

The maximum amount of business start-up guarantee loan is 3, yuan, including 2, yuan for individual industrial and commercial households. The loan period for college graduates shall not exceed 4 years, and the loan period for other personnel shall not exceed 3 years.

Interest rate and discount of business start-up secured loans

The interest rate of business start-up secured loans shall be determined by the handling bank and the borrower through independent negotiation in accordance with the principle of marketization, and in principle, the floating rate shall not exceed 2 percentage points on the basis of the benchmark loan interest rate.

college students, college graduates, people with employment difficulties and ex-servicemen are given full discount according to the regulations, and other borrowers are given 5% discount according to the regulations. The discount standard can not exceed 3% on the basis of the benchmark interest rate.

the process of handling the business guarantee loan

(1) application. Eligible applicants apply for business start-up guarantee loan to the business start-up guarantee loan handling agency and provide the following materials:

1. The Application Approval Form for Business Start-up Guarantee Loan in Chun 'an County;

2. Original and photocopy of household registration book and ID card;

3. Original and photocopy of Employment and Entrepreneurship Certificate (valid Employment Certificate of Chun 'an County, Employment Assistance Certificate of Chun 'an County, and Employment Registration Certificate of Rural Labor in Hangzhou);

4. a copy of the business license or the original and copy of the online business identification certificate;

5. College students provide full-time proof of studying in ordinary colleges and universities; College graduates provide the original and photocopy of graduation certificate; Ex-servicemen provide the original and photocopy of the "Retirement Certificate"; Persons with employment difficulties shall provide the original and photocopy of the corresponding certification materials;

6. Married persons are required to provide the original and photocopy of marriage certificate;

7. Online entrepreneurs need to provide screenshots of the homepage of online stores and details of online transactions in the past 12 months;

8. Other materials that need to be provided.

(2) review. After receiving the application materials for business guarantee loan, the business guarantee loan handling institution shall timely organize the examination of the applicant's qualifications and business start-up projects, verify the loan amount and term, and issue the Qualification Form for Discounting Business Guarantee Loan in Chun 'an County.

(3) guarantee. A class of loan applicants apply for a guarantee with the Confirmation Form to the designated guarantee institution. Guarantee institutions shall conduct investigation and review in accordance with the relevant provisions of the entrepreneurial guarantee business, and sign a guarantee contract for those who meet the conditions.

(4) Lending. A class of loan applicants apply for lending to the undertaking bank with a valid guarantee contract and relevant materials. Second-class loan applicants can apply for lending directly to the bank with the Confirmation Form.

(5) filing. After obtaining the loan, the applicant should bring the bank loan agreement to the business guarantee loan agency for filing and registration within 2 days.

(6) discount. After the applicant has repaid the principal and interest of the loan, he can apply for a discount to the business guarantee loan agency.

The guarantee companies designated by the venture guarantee loan and the undertaking bank

There are two guarantee companies, namely Chun 'an Silver Silkworm Guarantee Company and Chun 'an Rural Credit Guarantee Company.

The designated undertaking banks for Class I loans are Hangzhou Bank, Chun 'an County Credit Union and China Bank;

second-class loan applicants can choose their own undertaking banks.