1. The maximum amount shall not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation;

2. The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loans for production and operation is 1 year;

3. Individual business loans shall be subject to the term loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.

Second, the venture loan policy

The complete handbook policy for college students' entrepreneurship pays attention to the preferential policies for college students' entrepreneurship. In recent years, in order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. For college students who plan to start a business, only by understanding these policies can they take the first step in starting a business. According to the relevant regulations of the state and the Shanghai Municipal Government, the fresh college graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax reduction and exemption, including: ■ Self-employed college graduates (including junior college students, undergraduates and graduate students) are exempted from paying self-employment registration fee, self-employment management fee and economic contract demonstration text fee within 1 year. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years. ■ College students who start their own businesses can apply for a loan guarantee of up to 70,000 yuan from the bank and enjoy a loan discount.

Three, Jiaxing City, the implementation of venture loans

The implementation method of Jiaxing's entrepreneurship loan is an entrepreneurship support policy set up to further improve Jiaxing's entrepreneurship support policy system, promote entrepreneurship, promote employment and enhance the city's entrepreneurial ability. 1. In order to give more prominence to entrepreneurship support for college students, college graduates within five years of graduation, registered unemployed people, people with employment difficulties, retired soldiers in cities and towns, and disabled people with certificates. The Measures divide venture loans into two categories: the first category is loans guaranteed by venture guarantee funds (referred to as "Class I loans"); The second category refers to loans secured by mortgage, pledge, guarantee and credit (hereinafter referred to as "second category loans"). 2. Among them, "key people" can apply for class and class loans at full discount, and can apply for class venture loan guarantee to the municipal SME guarantee company or the municipal SME re-guarantee company. Other borrowers can only apply for second-class loans, and the interest rate is 50% preferential according to the actual repayment amount. The maximum interest rate of discount loans shall not exceed the benchmark interest rate of loans plus 3 percentage points. Small and micro enterprises settled in the technology incubator will be given full discount according to the benchmark interest rate of loans, and other small and micro enterprises will be given 50% discount according to the benchmark interest rate of loans. 3. The municipal venture guarantee fund100,000 yuan, closed operation, independent accounting, independent operation, earmarked for the first-class venture loan guarantee and compensation. The loan interest rate shall be determined through independent consultation in accordance with the principle of marketization, and shall not exceed the benchmark loan interest rate by 3 percentage points in principle. 4. After the loan guaranteed by the venture capital fund expires, the venture capital guarantee fund will fully compensate the net loss (including the loan term interest, excluding overdue interest and penalty interest) of Class I loans overdue for more than 3 months and the loan amount is less than 654.38 million yuan (inclusive) within 1 month. The net loss of Class I loans with loan amount exceeding 654.38+10,000 yuan shall be compensated by the venture guarantee fund at 80%. To meet the conditions of the credit union district (village) with the title of "credit union district (village)", a credit of up to 65,438+10,000 yuan (inclusive) shall be granted according to the actual situation, which shall be approved once, used with the loan, controlled by the balance and used for turnover. The credit cooperative district (village) shall give work subsidies at 0.5% of the actual venture loan amount of the community (village) in the previous year. 5. The biggest highlight of the new venture loan method is that the venture guarantee fund established by the government provides loan guarantee for qualified entrepreneurs, incites bank credit funds, and at the same time gives full or partial discount to venture loan applicants, which can greatly alleviate the problem of financing difficulty and high cost for entrepreneurial groups. The first legal basis is to implement the Opinions of the State Council on Several Policies and Measures for Vigorously Promoting Mass Entrepreneurship and Innovation (Guo Fa [2015] No.32), the Opinions of Zhejiang Provincial People's Government on Supporting Mass Entrepreneurship and Promoting Employment (Zhejiang [2015] No.21) and the Opinions of Jiaxing Municipal People's Government on Kloc-0/5]15) refers to the loan audited by the human resources and social security department, issued by the handling bank, provided by the venture guarantee fund funded by the municipal finance or provided in other forms, and subsidized by the municipal finance for encouraging entrepreneurship and absorbing employment. Article 3 Venture loans are divided into two categories: the first category is loans guaranteed by venture guarantee funds (hereinafter referred to as "Class I loans"); The second category refers to loans provided in the form of mortgage, pledge, guarantee and credit (hereinafter referred to as "second category loans"). Article 4 The undertaking loan handling bank shall be comprehensively assessed by Jiaxing Central Sub-branch of the People's Bank of China in conjunction with Jiaxing Finance Bureau and Jiaxing Human Resources and Social Security Bureau. Fifteenth types of venture loans are issued by the handling banks deposited in the venture guarantee fund. In principle, the balance of the venture loan liability undertaken by the venture guarantee fund shall not exceed 5 times of the deposit balance of the guarantee fund; If the repayment rate of the venture loan reaches more than 95%, it may be appropriately multiplied, but the maximum shall not exceed 10 times of the deposit balance of the guarantee fund. The municipal finance should supplement and expand the scale of the venture guarantee fund in a timely manner, and constantly improve the compensatory ability of the guarantee fund. Article 16 If the borrower fails to repay the loan principal and interest in full after the loan secured by the venture guarantee fund expires, the handling bank shall actively collect the loan; The net loss of Class I loans that are overdue for more than 3 months and the loan amount is less than 654.38+10,000 yuan (including 654.38+10,000 yuan, the same below) shall be fully compensated by the venture guarantee fund within 1 month (including the loan term interest, excluding overdue interest and penalty interest, the same below); The net loss of Class I loans with loan amount exceeding 654.38+10,000 yuan shall be compensated by the venture guarantee fund by 80%. Article 17 The venture guarantee fund may, depending on the circumstances, require the borrowers of tier-1 loans to provide a certain form and a certain proportion of counter-guarantee. For class I loan borrowers with good credit status, the requirements for counter-guarantee shall be reduced as much as possible, and borrowers with loan amount below 654.38+10,000 yuan shall be exempted from counter-guarantee.

Four. Shandong venture loan policy 202 1?

First, Shandong University venture loan application conditions

(1) Within five years after graduation, college students can enjoy 100% rent subsidy in the first year, 50% rent subsidy in the second year and 30% rent subsidy in the third year.

(2) College students can apply for a small secured loan of 500,000-200,000 yuan to start their own businesses. Engaged in low-profit projects, the financial sector to give full discount (no discount during the extension period), the cumulative discount period is not more than two years.

(3) College students who start their own businesses can relax the registration conditions and apply for trial operation, and can reduce or exempt administrative fees such as registration and license within three years.

(four) registered unemployed or sent college students to start a business or engage in self-employment in private non-enterprise units for the first time after 1+0 in 2009, and enjoy one-time entrepreneurship subsidies or self-employment support according to regulations.

(five) registered unemployed or sent college students to start enterprises or private non-enterprise units, can enjoy a one-time job development subsidies.

(6) Employees of the settled enterprises can participate in various training activities organized by the Entrepreneurship Center at preferential rates, and qualified college graduates and unemployed people can receive free training during the dispatch period.

(seven) for outstanding entrepreneurial achievements, in line with the relevant provisions of the personnel, priority to enjoy the national, provincial and municipal preferential policies on innovation and entrepreneurship of returned overseas students.

Second, Shandong venture loan related policies

1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks.

2. Simplify the loan procedures. By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time.

3. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate.

Shandong also actively supports college graduates to start their own businesses. For college graduates who are engaged in self-employment during their employment, all administrative fees such as registration, management and license will be exempted within three years from the date of registration by the administrative department for industry and commerce. According to the regulations, graduates working in small and medium-sized enterprises and non-public units are treated equally with employees of state-owned enterprises in the evaluation of professional and technical titles. Support personnel engaged in scientific and technological work to apply for various scientific and technological projects in Shandong Province according to the prescribed procedures. Natural persons can freely declare the provincial scientific research award fund for young and middle-aged scientists and the provincial natural science fund, and can declare the provincial science and technology award according to the prescribed procedures.