New loans for medium-sized enterprises shall not exceed 6,543,800,000 yuan, small enterprises shall not exceed 5,000,000 yuan, and objects such as micro-enterprises shall not exceed 2,000,000 yuan. The above-mentioned "single-family, single-bank" means that an enterprise can only apply for a fund-guaranteed loan in one bank to stabilize its position. If an enterprise applies to more than one bank, the first lending bank shall prevail. The loan term is from June 1 day, 2022 to June 1 day, 2023. The loan is a working capital loan with a term of no more than one year. The loan interest rate shall not exceed the latest published one-year LPR (loan market quotation) plus 100 basis point. The annualized guarantee rate is charged at 0.5%. If the loan amount is less than 5 million yuan (inclusive), the guarantee fee will be reduced in full. Encourage other financing guarantee institutions in the province to provide services of the same nature.

Application channel

Small and medium-sized enterprises in Aihui District can directly apply for loans from local banks such as Industrial and Commercial Bank of China, Agricultural Bank, China Bank, China Construction Bank, Postal Savings Bank, Longjiang Bank and Rural Commercial Bank to stabilize employment.

Key support objects

Focus on supporting small and medium-sized enterprises, individual industrial and commercial households, returning migrant workers who have been certified by villagers' committees or township governments to engage in agricultural production such as planting, new agricultural business entities such as family farms and professional cooperatives registered in industry and commerce, and small and micro business owners who apply for loans for enterprise production and operation in their own names (business owners are limited to legal representatives or individual shareholders with the largest proportion of registered shares in industry and commerce, and the business commitment is to provide such loans). The classification of small and medium-sized enterprises shall be implemented in accordance with the provisions of Document No.300 of the Ministry of Industry and Information Technology (2011), and individual industrial and commercial households shall refer to this classification.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.