On February 17, at the press conference of the National Development and Reform Commission, Chen Zhong, deputy director of the Zhejiang Provincial Department of Human Resources and Social Security, introduced the above policies to encourage college students to start businesses.
Is that really the case?
0 1
Start a business, you can't spend it casually.
Take Hangzhou, the capital of Zhejiang Province as an example. If the netizen in the above picture says "he started his own business and borrowed 500,000 stocks", then he will definitely not get the loan.
According to Article 9 of the Measures for the Administration of Business Guarantee Loans in Hangzhou, which was implemented on February 20 16, there are clear provisions on the use of business guarantee loans:
Venture guarantee loans can only be used for the borrower's start-up capital, working capital turnover, technological transformation and other production and business activities, and may not be used for buying stocks, futures and other securities and engaging in equity investment, or for purposes that violate relevant state laws, regulations and policies.
The Measures also stipulate that the loan amount that can be applied for is generally not more than 300,000 yuan, and the maximum loan amount can reach 500,000 yuan only for scientific and technological achievements transformation, research and development or cultural and creative projects.
Most importantly, there is a common misunderstanding among netizens that "if the loan is less than 654.38+ 10,000, the government will compensate if the business fails".
The editor-in-chief inquired about the opinions of Zhejiang Provincial People's Government on supporting mass entrepreneurship and promoting employment, which was released on July 2 15. The opinion puts forward:
Simplify the loan issuance procedure and improve the write-off method for bad debts. If the loan is less than 654.38+10,000 yuan and is guaranteed by the venture guarantee fund, no personal guarantee is required. The loan guaranteed by the venture guarantee fund is confirmed as non-performing. If the loan is less than 654.38 million yuan, it will be fully compensated by the venture guarantee fund; If the loan exceeds 654.38 million yuan, it will be compensated by 80% of the venture guarantee fund.
This should be the basis for Chen Zhong, deputy director of Zhejiang Human Resources and Social Security Department, to make a policy announcement at the press conference. So, what does "compensation from venture guarantee fund" mean? Does it mean that the loan owed by the entrepreneurial loser will be written off?
Obviously not.
02
If you owe a loan, you always have to pay it back.
Take Hangzhou as an example. The above measures stipulate that:
After the risk loan is compensated by the guarantee fund, the handling bank should still actively recover the loan; After recovery, the recovered loan shall be compensated by the guarantee fund, the entrusted guarantee institution and the handling bank according to the compensation ratio; If it cannot be recovered within the prescribed time limit, it can be written off from the security fund according to the prescribed procedures.
This means that the money must be paid back. Whoever compensated before, who bears the loss, will pay back in proportion.
Regarding the proportion of compensation, the Measures stipulate that:
After the loan expires, if the borrower fails to repay the loan in full and on time, the handling bank shall actively collect the loan. For 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), the guarantee fund will make full compensation within 1 month (including the loan term interest, excluding overdue interest and penalty interest, and the municipal and district guarantee funds will share 50% respectively, the same below).
After other overdue loans enter the legal recovery procedure, the loans entrusted by the guarantee institutions shall be borne by the guarantee fund, the guarantee institution and the handling bank respectively by 30%, 50% and 20%, and other loan losses shall be borne by the guarantee fund and the handling bank respectively by 80% and 20%;
Or the guarantee fund, guarantee institution and handling bank shall bear the loan losses according to the proportion agreed in the agreement.
This is also the specific meaning of Chen Zhong, deputy director of the Zhejiang Provincial Department of Human Resources and Social Security, who said that "within 65,438+10,000 yuan, the government compensated 80% of the above 65,438+10,000 yuan".
Therefore, regardless of success or failure, college entrepreneurs have to pay back how much they borrowed.
03
Entrepreneurship is beautiful and difficult.
Some people may say that if your business goes bankrupt, you will quit the government.
Zhejiang is a blessed land for entrepreneurship, which can be seen from the active private economy in this province. People can also see the sincerity of Zhejiang Province through the support policies disclosed by the Department of Human Resources and Social Security. However, due to various reasons, this policy has caused many people's misunderstanding in the process of communication.
In fact, starting a business is beautiful and difficult, and the cost of trial and error will ultimately be paid by yourself.
Related Questions and Answers: 202 1 Hangzhou Venture Loan Policy? ◆ Free funding. After evaluation, college students can get 200,000 yuan of free funding for their entrepreneurial projects in Hangzhou. For college students' entrepreneurial projects with good market prospects, high technology content and urgent need to be introduced in our city, 500,000 yuan of free funding can be given to the "one thing, one discussion" project.
◆ Financing support. College students can apply for financing support policies such as 500,000 yuan, 3-year business guarantee discount loan, risk pool guarantee loan, and college students' business guidance fund.
◆ Entrepreneurship subsidy. Eligible college students can enjoy a one-time entrepreneurship subsidy of 5,000 yuan or a entrepreneurship employment subsidy of 20,000 yuan.
◆ Site subsidy. College students can apply for a three-year rental subsidy of 654.38+10,000 yuan for business premises.
◆ Support Excellence. For college students with an annual tax of more than 1 10,000 yuan or employment of more than 1 10,000 people, 1 10,000 yuan will be given.
◆ Cultivation of outstanding entrepreneurial talents. Every year, about 20 students are selected from the "Hangzhou University Students' Excellent Entrepreneurial Talents Training Plan" and given 500,000 yuan/person of training support funds and services for education and training, project research, technology research and development, enterprise management, market development, etc. Support the healthy and rapid development of college students' entrepreneurial enterprises in the growth period.
◆ Entrepreneurship training subsidy. College students who have participated in SYB, online entrepreneurship training and "8+X" simulation company entrepreneurship training in designated institutions in Hangzhou and obtained qualification certificates, and are employed and started businesses in urban areas, are entitled to training subsidies in 800 yuan, 1.200 yuan and 1.200 yuan respectively according to the training items.
◆ Tutor subsidy. Entrepreneurial tutors and college entrepreneurs can enjoy a comprehensive subsidy of 2000 yuan by pairing up to carry out entrepreneurial counseling; Guide college students to start a business in the urban area and obtain a business license and operate stably 12 months or more can enjoy a performance subsidy of 8000 yuan; You can enjoy a subsidy of 1000 yuan every time you participate in special service activities such as employment and entrepreneurship theme preaching, consultation and competition appraisal.
◆ Life guarantee. College entrepreneurs are included in the public rental housing and talent housing security system in Hangzhou, and enjoy physical rental housing or monetary subsidies. One-time living allowance will be given to highly educated global graduates who come to work in Hangzhou, including undergraduate 1 10,000 yuan, master's 30,000 yuan and doctor's 50,000 yuan.
Related Q&A: Is there any subsidy for college students' entrepreneurship in Hangzhou? Hello, I summarized it for you. I hope it works for you:
First, the subsidy policy for college students' entrepreneurship
Free funding for entrepreneurship
Students in colleges and universities in Hangzhou and national college graduates within five years of graduation who start new businesses in urban areas can apply for free funding for college students' entrepreneurial projects of 500,000-200,000 yuan.
Support policies for entrepreneurial websites
(1) Rental subsidy for business premises
College students in Hangzhou universities or ordinary college graduates who have graduated within 5 years can enjoy a maximum of 654.38+10,000 yuan of business premises rental subsidy within 3 years if they start a business in Hangzhou.
(2) Space policy of running with entrepreneurs.
College students and college graduates who set up enterprises, individual industrial and commercial households, private non-enterprises and other business entities within five years after graduation can enjoy the rent subsidy within 50 square meters within three years according to regulations, and the maximum subsidy standard is 3 yuan per square meter per day.
One-time start-up subsidy
12065438 After February 2006, college students and college graduates who have graduated within five years will be entitled to a one-time business start-up subsidy of 5,000 yuan if they start their first business or individual industrial and commercial households in cities and towns and pay social insurance premiums as flexible employees or their established business entities have paid social insurance premiums for them continuously according to law12 months or more.
Commercial guaranteed loans and interest subsidies
Workers who set up enterprises, individual industrial and commercial households (including the recognized online entrepreneurship) or private non-enterprises in cities and towns and have been registered for less than 5 years may apply for loans of not more than 500,000 yuan; Within 5 years after graduation, college students and college graduates (not limited to household registration) will be given full discount, and other personnel will be given 50% discount. The longest discount period shall not exceed 3 years.
Application time: After the loan expires and the principal and interest are repaid on time, the borrower can apply for a discount.
Cultivation of outstanding entrepreneurial talents
Every year, about 20 students are selected from the "Hangzhou University Students' Excellent Entrepreneurial Talents Training Plan" and given 500,000 yuan/person of training support funds and services for education and training, project research, technology research and development, enterprise management, market development, etc. Support the healthy and rapid development of college students' entrepreneurial enterprises in the growth period.
Entrepreneurial project funding
College students (teams) can apply for 3- 1 10,000 yuan to support the establishment of enterprises and entrepreneurial innovation projects, and particularly excellent projects can be supported by the way of "one thing, one discussion".
Fu You Grant
For college students with an annual tax of more than 1 10,000 yuan or employment of more than 1 10,000 people, 1 10,000 yuan will be given.
Funding objectives and conditions:
Fu You grants to students of ordinary colleges and universities in Hangzhou and graduates of ordinary colleges and universities all over the country to set up enterprises and serve as legal persons in Hangzhou within five years after graduation, and must meet the following conditions:
1. Annual tax1million or above (inclusive) or employment 100 or above (subject to the annual average number of insured enterprises);
2. Undergraduate entrepreneurs or start-ups applying for funding should have good credit status;
3. The applicant enterprise and its legal representative have enjoyed the free subsidy for college students' entrepreneurial projects, but have not enjoyed the subsidy for college students' entrepreneurial projects.
Entrepreneurship training subsidy
College students who have participated in SYB, online entrepreneurship training and "8+X" simulation company entrepreneurship training in designated institutions in Hangzhou and obtained qualification certificates, and are employed and started businesses in urban areas, are entitled to training subsidies in 800 yuan, 1.200 yuan and 1.200 yuan respectively according to the training items.
Among them, the entrepreneurship training of SYB and "8+X" simulation companies cannot be enjoyed repeatedly. After starting a successful business, anyone who participates in IYB training and obtains a training certificate can enjoy the training subsidy from 600 yuan. College students registered in Hangzhou can enjoy subsidies if they obtain training certificates. Subsidies are entrusted to designated training institutions to declare.
Entrepreneurship drives employment subsidies.
After February, 2065438 1, enterprises or individual industrial and commercial households founded by college students and college graduates in cities and towns within five years after graduation can drive three people (excluding legal representatives or responsible persons and those who have enjoyed other employment and entrepreneurship subsidies and social security subsidies) to find jobs, and those who have paid social insurance premiums for them continuously for 12 months according to law can enjoy an annual employment-driven subsidy of 2,000 yuan; On the basis of promoting the employment of three people, you can enjoy a subsidy of 1 ten thousand yuan per person per year for every increase of 1 person; The total annual subsidy shall not exceed 20,000 yuan, and the subsidy period shall not exceed 3 years from the month that meets the subsidy conditions. During the subsidy period, if the number of people who meet the subsidy conditions is less than 3, no subsidy will be granted.
Provide funds for intellectual property creation
Eligible college entrepreneurs, enterprises registered in Hangzhou receive 7,000 yuan each, and domestic non-service invention patents receive 2,500 yuan each.
Those who have obtained invention patents from the United States, Japan and Europe will receive a maximum subsidy of 20,000 yuan each;
Participate in the Mayor's Cup High-value Intellectual Property Innovation Competition, and if the unit or individual wins gold, silver, bronze and excellent prizes, they will be awarded 300,000 yuan, 6,543.8+0.5 million yuan, 50,000 yuan and 20,000 yuan respectively.
Second, the employment subsidy policy for college students
Living allowance for fresh graduates with high academic qualifications
Subsidy standard:
Hangzhou: undergraduate 1 10,000, master's 30,000, doctor's 50,000.
Xiaoshan District: 30,000 undergraduates, 60,000 masters and 80,000 doctors.
Yuhang District:1-40,000 undergraduate, 30,000-60,000 master, 50,000-80,000 doctor.
Chun 'an County: junior college students 1 10,000, undergraduates 40,000, masters 80,000, doctors10.4 million.
Application conditions:
Newly introduced college students' rental subsidy
Subsidy standard: 6,543,800 yuan per household per year, which can be paid for 3 years. After the expiration of the income is lower than the per capita disposable income of urban residents, can continue to enjoy no more than 3 years.
Applicant:
Global graduates with bachelor's degree or above [the study form of domestic college graduates should be full-time, and the academic qualifications of foreign college graduates should be certified by the study abroad service center of the Ministry of Education].
On February 24, 2020 (inclusive), after graduation, he was employed by the employer in our city or started his own business within the reporting time limit, and paid social insurance according to regulations.
The applicant's family has no housing in Hangzhou, and has not enjoyed preferential policies for renting houses such as public rental housing and talent rental housing.
Monetary subsidies for municipal public rental housing
Subsidy standard:
Application conditions:
The public rental housing covers eligible urban lower-middle-income families, newly-employed university graduates and entrepreneurs in Hangzhou (excluding Xiaoshan District, Yuhang District, Fuyang District and Lin 'an District, the same below):
(a) families with housing difficulties in urban middle and lower income must meet the following conditions when applying for public rental housing:
1. The applicant has a permanent residence in the urban area for more than 5 years (inclusive);
2. The per capita disposable income of the applicant's family in the previous year was less than 6 1 172 yuan;
3. The applicant family has no room in the urban area, Xiaoshan District and Yuhang District.
(two) the new employment of university graduates and entrepreneurs, to apply for public rental housing must meet the following conditions:
1. The applicant has a permanent residence in the urban area, or holds the Zhejiang Residence Permit issued by the public security organs in the urban area, Xiaoshan District and Yuhang District within the validity period;
2. The applicant has an intermediate (inclusive) or above professional title, or has obtained a senior vocational qualification certificate for 2 years, or has graduated from a university with a bachelor's degree or above for less than 7 years (those with a master's degree or above are not limited by the graduation period);
3. The applicant has worked in an urban employer, signed a labor contract 1 year or more, continuously paid the housing accumulation fund or social insurance premium for more than 6 months (inclusive), or held the urban business license and tax payment certificate 1 year or more (inclusive);
4. The per capita disposable income of the applicant's family in the previous year was less than 6 1 172 yuan;
5. The applicant's family has no room in the urban area, Xiaoshan District and Yuhang District;
6. The immediate family members of the applicant (spouse) are unable to finance the purchase of houses in urban areas, Xiaoshan District and Yuhang District. The specific criteria are as follows: If the immediate family members of the applicant (spouse) own less than 2 houses in urban areas, Xiaoshan District and Yuhang District, or the per capita housing construction area is less than 50.55 square meters, it is deemed that the immediate family members are unable to finance the purchase of houses in urban areas, Xiaoshan District and Yuhang District.
7. If the applicant has the title of associate senior (inclusive) or above or master's degree or above, the declared economic income will not be used as the assessment condition.
One-time temporary living allowance for college graduates
After 20 1 6 February1,college graduates from poor families and those with employment difficulties registered as unemployed in cities and towns can enjoy a one-time temporary living allowance of 1000 yuan.
College graduates from poor families refer to college graduates from poor families such as urban zero-employment families, urban and rural low-income households, marginal households with low-income allowances, parents suffering from major diseases, families suffering from major changes, orphans, martyrs' children, etc. College graduates with employment difficulties refer to college graduates registered as unemployed for more than 6 months and disabled college graduates.
Social Security Subsidies for Flexible Employment of College Graduates
After 20 18, 10, 1, college graduates who have graduated within 2 years are engaged in the positions (jobs) listed in the Catalogue of Social Security Subsidized Jobs (jobs) for College Graduates, who declare their employment as flexible employees and pay social insurance premiums, can enjoy the monthly 300 yuan subsidy, and the subsidy period does not exceed 3 years.
Vocational skill training (appraisal) subsidy
College students (college students in Hangzhou, unemployed college graduates who left Hangzhou universities or Hangzhou Shengyuan within 2 years after graduation) attend skills training in designated training institutions, obtain vocational qualification certificates, and start businesses in Hangzhou (employees need to sign a labor contract of 1 year or more and pay social insurance premiums in Hangzhou, and entrepreneurs need to register in industry and commerce or hold a certificate of online business start-up and be the legal representative or person in charge). According to the vocational skills training subsidy items and subsidy standards announced by the municipal human resources and social security department, you can enjoy 50% of the standard training appraisal subsidies, which belong to the occupations (jobs) that were in short supply in Hangzhou in that year, and you can enjoy full subsidies. Students with household registration in Hangzhou can get financial aid if they obtain vocational qualification certificates.
Subsidies can be declared by designated training institutions or by individuals.
Subsidies for college graduates to find jobs and start businesses
Applicant:
Job-seeking and entrepreneurship subsidies are distributed to full-time graduates of ordinary colleges and universities who have employment aspirations and actively seek jobs within the graduation year and meet one of the following conditions (refer to the graduates of senior engineering classes and technician classes in technical colleges):
1. Minimum living guarantee families for urban and rural residents;
2. orphans;
3. Disabled persons with certificates;
4. During the study period, I obtained a national student loan in the school;
5. From poor families who have set up a card;
6. From poor families with disabilities (marginal families with urban and rural subsistence allowances and graduates whose parents are certified disabled)
In addition to further studies, going abroad, joining the army, participating in grassroots service projects, directional training and temporarily having no employment intention.
Subsidy standard:
Job-seeking and entrepreneurship subsidy is 3000 yuan per person at one time.