Entrepreneurship guarantee loan is a special loan to meet the needs of entrepreneurship. This policy began in 2002. So who are the main targets of venture loan support? Let's take a look!

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, disabled, enjoying the minimum living security, unemployed for more than one year, and unable to achieve employment due to land loss), retired soldiers, college graduates, released prisoners, and newly recruited people who meet the application conditions for business start-up guarantee loans, reaching more than 30% of the total number of employees in the enterprise (100 Enterprise Reach/kloc) According to documentNo. [2015] No.26 issued by Shaanxi Provincial Government, qualified entrepreneurs can be provided with business guarantee loans according to regulations, and the financial department will arrange the funds needed for loan discount according to regulations.

Further reading: 20 17 support policies for entrepreneurial loans

Types of commercial secured loans

Business guarantee loans are divided into two categories: the first category refers to business loans provided by business guarantee loan risk funds, which are guaranteed by designated guarantee institutions and lent by designated undertaking banks, referred to as "Class I loans"; 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 loans must be approved by the Human Resources and Social Security Bureau, and both loans can enjoy the discount policy according to regulations.

Conditions for applying for business start-up guarantee loans

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 benefits on a monthly basis, have no bad credit records, and are not employed by business entities other than themselves;

2. The applicant must set up enterprises, individual industrial and commercial households (including recognized online entrepreneurship), private non-enterprises and other business entities in this county, and the registration time of business license or the establishment time of online store is after 20 13;

3. Investors who are not the legal representative (person in charge) of the business entity apply for this loan, and their shares in the enterprise must be above 30%;

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

The amount and duration of the risk secured loan.

The maximum amount of business guarantee loan is 300,000 yuan, of which the maximum amount of individual industrial and commercial households is 200,000 yuan. The loan period for college graduates shall not exceed 4 years, and the loan period for other personnel shall not exceed 3 years.

Interest rates and discounts on commercial secured loans

The interest rate of venture guarantee loan shall be determined by the handling bank and the borrower through independent consultation in accordance with the principle of marketization. In principle, the floating rate shall not exceed 2 percentage points on the basis of the benchmark loan interest rate.

Full discount will be given to college students, college graduates, people with employment difficulties and retired soldiers, and 50% discount will be given to other borrowers according to regulations. The discount standard can rise by no more than 30% on the basis of the benchmark interest rate.

The process of handling commercial secured loans

(1) application. Eligible applicants apply for business guarantee loans to business guarantee lending institutions, and provide the following materials:

1. Chun 'an County Business Guarantee Loan Application Approval Form;

2. The original and photocopy of the household registration book and ID card;

3. Original and photocopy of employment and entrepreneurship certificate (valid unemployment certificate in Chun 'an County, employment assistance certificate in Chun 'an County, and employment registration certificate of rural labor force in Hangzhou);

4. Copy of business license or original and copy of online business 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; Veterans provide the original and photocopy of the "Veteran 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 the marriage certificate;

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

8. Other materials that need to be provided.

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

(3) guarantee. A class of loan applicants apply for a guarantee from a designated guarantee institution with the Letter of Confirmation. A guarantee institution shall conduct investigation and review in accordance with the relevant provisions of the business of undertaking guarantee, and sign a guarantee contract for those who meet the requirements.

(4) borrowing. A class of loan applicants apply for loan from the undertaking bank with a valid guarantee contract and related materials. Second-class loan applicants can apply for loans directly from the bank with the confirmation form.

(5) filing. After obtaining the loan, the applicant shall, within 20 days, go through the filing and registration with the business guarantee loan institution with the bank loan agreement.

(6) discount. After the applicant has paid off the principal and interest of the loan, he can apply for a discount to the venture guarantee lending institution.

Guarantee companies and undertaking banks designated by venture guarantee loans

The designated guarantee companies are Chun 'an County Silver Silkworm Guarantee Company and Chun 'an County 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.

How much is the general interest? What are the advantages of venture capital funds?

How much is the loan interest?

According to relevant regulations, the loan interest rate of all commercial banks shall not exceed 36% of the LPR interest rate of the central bank in the same period. Generally speaking, the bank's interest rate will remain at about 24% of the LPR interest rate, while the micro-loans on the Internet will often remain at 36% of the LPR interest rate.

For example, the central bank's LPR interest rate for the same period is 3.85% for one year, so the basic interest rate for one-year loans of commercial banks is generally 4.35%. When the borrower applies for a loan, it should also be evaluated according to its comprehensive qualifications. Generally, his comprehensive score will be improved 10%-24%. In other words, the interest of commercial banks generally fluctuates between 5.0%- 18%.

Under the premise of LPR interest rate, the private sector generally fluctuates around 30%. According to the loan interest rate of 3.85%, the standard interest rate of ordinary people will generally be around 15%, and then it will fluctuate according to the borrower's loan qualification, generally around 20%.

What's the interest on a bank loan of 50,000 yuan?

Suppose the borrower submits a loan of more than 50,000 yuan, and the annual interest rate is 15%, then the annual interest is 7,500 yuan. If the average reaches every month, the monthly interest is 625 yuan.

Of course, each borrower's comprehensive qualifications are different, and the loan application products are different, and there will be some big differences in loan interest rates. Even the difference in loan repayment method and loan term has caused great harm to the loan interest rate.

What are the advantages of venture capital funds?

Venture capital fund, also known as venture capital, is a new type of venture capital institution. Like other stock funds, they digest and absorb idle funds in society and use them for special purposes. Venture capital funds have different advantages for different cores.

Advantages of venture capital fund to investors.

1. Venture capital funds digest and absorb a large amount of private capital, which constitutes a relatively large scale of operation, which can have a certain impact on the A-share market and make it easier to gather funds.

2. Venture capital funds have special managers and teams, which is undoubtedly a good thing for relatively small investors. They don't have to worry about themselves, and there are specialized people to analyze and invest in the industry.

3. Venture capital funds are generally diversified, and it is not easy to put raw eggs in the same pocket. This kind of risk will be relatively dispersed, and the chance of opportunity will be relatively improved.

4. Venture capital funds are generally in the form of limited partnership, which is conducive to the shaping of venture capitalists.

Advantages of Venture Capital Fund to Investors

1. Investors can get professional guidance and suggestions from relevant experts, which is conducive to improving the professionalism of enterprise development and dealing with problems encountered in enterprise development. At the same time, it also helps to expand the advertising effect, expand the reputation of social development of enterprises, enhance the brand image of enterprises and accelerate the sales process.

2. The invested management company does not need to provide loan guarantee, and the procedure is relatively simple, which reduces the debt burden of the enterprise. Financing can help enterprises grow rapidly, develop new technologies for products, open up new markets and expand the scale of development and operation of enterprises.

Is it realistic to buy a fund with a loan?

It is very unrealistic to buy a fund with a loan. Funds are risky, and many people will lose money when they buy funds. At this time, if you buy a fund with a loan, there will be two expenses. On the one hand, it may be the loss of our foundation, on the other hand, it will be some handling fees and interest expenses of our loan. In fact, it is not completely impossible to borrow money to buy funds, but such a situation is still relatively rare. If we really can't allocate so much money to buy funds for the time being, but in fact there is so much money that we can't use it in the short term, then we can really borrow money to buy funds, because we will be able to make up for this in the future.

For most people, borrowing money to buy a fund is because they think they have too little principal and want to borrow money. They think that the current market is very good, and loans to buy funds will definitely get more benefits. This idea is more dangerous. The fund is really not sure when to go up and when to go down. We can't guarantee that our income is very stable. If you borrow money at this time, the risk is still relatively large.

Generally speaking, we use our spare money to buy funds. If we spend our living expenses or the cost of buying a car or a house on buying a fund, the risk is too great. If you had spare money to buy funds, it wouldn't have such a big impact on our mood. If you lose money, you will lose money, which only shows that your investment vision is not so good. However, if particularly important money is used to buy funds, the consequences will be more serious, and it may be unbearable at that time. Therefore, it is unrealistic and inappropriate to borrow money to buy funds, but some special circumstances are not excluded. In most cases, it is unrealistic to borrow money to buy funds.

Loan1.5,000 plus 300,000 to buy a fund is there any risk?

Loan 1.5 million, plus 300,000, all invested in the fund. I don't know where you got the confidence, but you still need a loan to buy a fund. This is really risky and irrational. Please stop borrowing and buying funds in time.

Investment must idle funds, never borrow money, whether it is stock trading or buying funds, perhaps speculating in futures, borrowing money to invest is a taboo; For example, it is wrong to buy a fund with a loan, which is equivalent to doubling the risk of buying a fund. If you invest in a fund like this, there is a 95% chance that it will end in failure.

First, let's calculate a sum of money. The self-owned fund is 300,000 yuan, the loan fund is 6.5438+0.5 million yuan, and the total fund is 6.5438+0.8 million yuan. If all investment is made, the fund will lose 6.5438+0.8 million yuan, down 20%, and its own principal will be 300,000 yuan, even losing tens of thousands of loans. Is it an irrational investment?

Then from the perspective of funds, there are many types of funds, and different funds have different risks; Stock funds, money funds, mixed funds, index funds, open-end funds, etc. No matter what fund 654.38+0.8 million bought, it is a wrong and irrational investment.

Indexed securities investment fund

If 6.5438+0.8 million yuan is used to buy index funds, the risk of buying index funds is also great. Although index funds have no leverage function, their volatility is relatively large, which leads to an increase in profit and loss.

For example, 1.8 million yuan bought the Shanghai and Shenzhen 300 Index Fund. When the stock market fluctuates, the trend of these index funds also fluctuates. Maybe it loses hundreds of thousands a day, and of course it is easy to earn hundreds of thousands a day, but in the end, no matter how it is tossed, the probability of losing money is particularly high, and it is wrong to borrow money to buy index funds.

Monetary fund

Money fund is a low-risk and low-return investment, but this kind of investment is only suitable for some idle funds, that is, it is unrealistic to use this money to buy money funds temporarily, and it is unrealistic to really want to get high investment returns if you want to eat a little interest.

Similarly, the current annualized rate of return of the Monetary Fund is only 1.5%, which is too low. If you use 1.8 million to buy a monetary fund for one year, it is not enough to pay the loan interest of 1.5 million. This investment is absolutely wrong, and it is a loss-making investment. Very irrational.

gather

From the above analysis, we know that if the loan is 6.5438+0.5 million and the self-owned fund is 300,000, we can get the truth by analyzing the actual cases of index funds and monetary funds. This kind of investment is too risky and irrational, because the investment risk is too high and the return rate is too low. Please stay away from loan investment.

This concludes the introduction of loan risk fund and loan risk fund. I wonder if you found the information you need from it?