Zhengzhou Personal Entrepreneurship Guarantee Loan Policy in 2022
First, the object and conditions of personal business guarantee loans
1. Personal commercial loan object
The following entrepreneurs who are within the legal working age (the upper limit of working age for both men and women participating in social endowment insurance for urban and rural residents is 60 years old, excluding retirees), have reached 18 years old and above, are honest and trustworthy, and have not been employed in other units when starting their own businesses, can apply for business guarantee loans:
(1) registered unemployed people in cities and towns. Hold an employment and entrepreneurship certificate and apply for employment registration;
(2) Persons with employment difficulties (including the disabled). Persons who hold employment and entrepreneurship certificates and are identified as having employment difficulties, and persons who hold disability certificates;
(3) Demobilized demobilized soldiers. Holding a certificate of discharge from active service for conscripts or a certificate of discharge from active service for noncommissioned officers, holding a certificate of demobilization for officers and a letter of recommendation issued by a self-employed management service institution;
(4) Persons released from prison. Holding a Certificate of Release from Sentence or a Certificate of Employment and Entrepreneurship;
(5) College graduates. Including graduates from ordinary universities, vocational schools and technical colleges within 5 years of graduation and graduates from graduation school year (including university student village officials and returned overseas students). Graduates should provide graduation certificates (who have passed the education department's academic degree certification and registration), and college student village officials and graduates in the year of graduation should provide corresponding identification certificates;
(6) Resolving employees and unemployed people in enterprises with excess capacity. Solve the diversion personnel involved in the work of overcapacity industries such as steel, coal and coal-fired power;
(7) Migrant workers who return home with their ID cards and urban or rural addresses;
(8) Individual farmers with identity cards and addresses in towns or rural areas;
(9) online merchants. A reputable online merchant who holds the business license of the network business scope or has not applied for industrial and commercial registration, but has registered in the real name of the e-commerce network platform and has been operating stably for more than 3 months;
(10) poor population.
2. Conditions for personal commercial loans
(1) Except for student loans, poverty alleviation loans, housing loans, automobile loans, and small consumer loans (including credit card consumption) of less than 50,000 yuan, when the applicant (including partnership enterprises and organized businesses) submits an application for business guarantee loans, my spouse and I should have no other outstanding loans and can apply for subsidized loans supported by the state.
When an applicant (including a partnership or an organization to start a business) submits an application for a business guarantee loan, I and my spouse have no bad credit history and can apply for a locally supported discount loan.
(2) The legal representative or person-in-charge has a service life of not less than 65,438+0 years, except meeting the requirements of the applicant.
Individuals who meet the application conditions for subsidized loans supported by the state and local governments at the same time have priority to apply for subsidized loans supported by the state, or they can apply for subsidized loans supported by the state and local governments at the same time; A partnership or organization can apply for a discount loan supported by the state or local government separately.
Second, the amount and duration of commercial secured loans.
According to the way of interest burden, venture guarantee loans can be divided into two categories: one is state-supported discount loans; Second, subsidized loans supported by local governments.
(a) the amount of personal business guarantee loans
1. State-supported discount loans
The maximum amount of personal business guarantee loans does not exceed 200,000 yuan.
2. Discounted loans supported by local governments.
The maximum amount of personal business guarantee loans does not exceed 200,000 yuan.
(two) the term of the individual business guarantee loan
The term of the personal business guarantee loan shall not exceed 3 years at the longest, in which the loan term may be independently selected by the applicants for subsidized loans supported by the state, and the cumulative number of subsidized loans shall not exceed 3 times; Apply for subsidized loans with local support in the form of one-year repayment, and provide financial discount for business guarantee loans continuously.
Three, personal business loan discount guarantee.
1 .20221.001October1May, 2022 17, the interest on the newly-issued personal business guarantee loan, the following part of LPR- 150BP shall be borne by the borrower, and the rest shall be borne by the borrower.
(1) discount loan supported by the state. Loans are issued by the municipal level, and the discount interest funds are shared by the central, provincial and municipal finance according to the proportion of 50%, 25% and 25%. The discount interest funds for loans in Shangjie District are shared by the central government, provinces, municipalities and the finance of Shangjie District according to the proportion of 50%, 25%, 15% and 10%.
(2) Discounted loans supported by local governments. Loans are issued by the municipal level, and discount funds are borne by the municipal finance. Shangjie District loan discount funds shall be borne by Shang Jie District Finance; State support and local support loans are issued at the same time, the municipal finance will give 50% discount support to local support loans, and the rest discount funds will be borne by Shang Jie District Finance.
2. From May 18, 2022, the newly-issued state-supported individual entrepreneurship guarantee loans will be fully subsidized by the government. If the central government and the province have new policy requirements, they will be subsidized according to the relevant provisions of the higher authorities. From May 18, 2022 to February 3 1 2022, the newly-issued locally supported personal business start-up guarantee loan will be fully subsidized by the government; After the expiration, the newly-issued locally-supported personal business guarantee loan will be given a discount according to the policies of the central and provincial governments.
(1) discount loan supported by the state. Municipal loans, discount interest funds in addition to the central subsidy, by the provincial and municipal finance according to the proportion of 50%, 50% share. In addition to the central subsidy, the loan interest subsidy funds in Shangjie District are shared by the provincial, municipal and Shangjie District finance according to the proportion of 50%, 30% and 20%.
(2) Discounted loans supported by local governments. Loans are issued by the municipal level, and discount funds are borne by the municipal finance. Shangjie District loan discount funds shall be borne by Shang Jie District Finance; State support and local support loans are issued at the same time, the municipal finance will give 50% discount support to local support loans, and the rest discount funds will be borne by Shang Jie District Finance.
Fourthly, the incentive and subsidy mechanism of venture guarantee loans.
According to 1% of the total amount of new venture guarantee loans in all parts of the year, the financial department shall, with reference to the results of performance evaluation, grant working funds to the operation and management institutions of venture guarantee loan guarantee funds, handling banks and other units that have made outstanding achievements in the work of venture guarantee loans for special purposes.
For grass-roots cooperatives where the total amount of new subsidized loans issued by the state in that year reached more than 1% of the total amount of new subsidized loans issued by various countries in that year, the financial department may reward them according to the maximum amount of 1% of the total amount of new subsidized loans issued by various countries in that year. The financial department can reward the guarantee fund operation and management institutions and handling banks that issue LPR and below business guarantee loans, accounting for more than half of the total business guarantee loans. In order to encourage the handling banks to share the risk of venture guarantee loans, the financial department will give a moderate tilt in the allocation of incentive funds according to the risk sharing of the handling banks.
Verb (abbreviation of verb) The procedure for an individual to apply for a business guarantee loan.
People's social institutions accept applications, review the conditions of applicants and verify the qualifications of personnel; The guarantee institution shall make an on-the-spot inspection of the business premises, verify the amount of guarantee, sign a guarantee contract and go through the counter-guarantee procedures; The handling bank shall, according to its operating conditions, approve the loan amount, handle various procedures and issue loans.
Six, the materials that individuals should submit to apply for business guarantee loans.
1. Individuals in Zhengzhou City apply for business guarantee loans;
2. The applicant's identity card and other relevant documents;
3. Relevant documents that are in line with the scope of the support object of the venture guarantee loan policy;
4 business license or lease contract agreement and other business project certificates;
5. Counter-guarantee related materials;
6. Personal commitment letter;
7. Other required application materials.
Seven, personal business guarantee loans for the time limit
Personal business guarantee loan (including partnership)
In the case of complete application materials, the human society institution shall complete the audit within 3 working days; The guarantee institution shall guarantee within 10 working days, sign a guarantee contract and go through the counter-guarantee procedures; The handling bank shall go through the relevant formalities and issue loans within 5 working days.
Eight, exempt from counter guarantee requirements
In any of the following circumstances, the counter-guarantee requirement shall be exempted in principle:
(1) Newly issued personal business guarantee loans of 654.38 million yuan or less;
(2) Entrepreneurial projects recommended by the National Entrepreneurship Incubation Demonstration Base or the Credit Union District (Village);
(three) entrepreneurs, entrepreneurial projects and entrepreneurial enterprises who have won the honorary title at or above the municipal level or won the award for entrepreneurial innovation activities at or above the provincial level;
(four) college graduates who won the third prize in the entrepreneurial innovation competition organized by government departments at or above the municipal level, and the loan amount is less than 200 thousand yuan;
(5) Small and micro credit enterprises, merchants and farmers recognized by financial institutions;
(6) Specific groups such as second-time entrepreneurs with stable operation and trustworthiness.
2. What policy does Zhengzhou have for college students' entrepreneurship this year?
College students who start businesses in Zhengzhou can also apply for small secured loans. The Notice of Zhengzhou Municipal Government on Improving the Policy of Small Guaranteed Loans stipulates that the scope of small secured loans should be expanded. According to the regulations, in addition to those who hold the Re-employment Concession Card and other registered unemployed people in cities and towns who hold unemployment registration certificates issued by the labor and social security departments, retired soldiers in cities and towns with valid certificates and college graduates who voluntarily start businesses at the grassroots level can also apply for small secured loans. The amount of small secured loans applied for self-employment and self-employment is generally not more than 30,000 yuan. According to the regulations, those who apply for small secured loans and engage in low-profit projects for the purpose of "re-employment" will be fully subsidized by the central government. For unemployed people in cities and towns who hold unemployment registration certificates and voluntarily start businesses at the grassroots level and engage in low-profit projects, the finance will give 50% preferential treatment. (daily)
Third, individual entrepreneurship in Zhengzhou.
Personal credit loan
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4. What are the loan conditions for Zhengzhou's graduation and entrepreneurship in 2020?
First, the object and identification conditions of the business guarantee loan
1. Loan object. In addition to the loan targets stipulated in the operating rules, the scope of support for college students will be expanded, including students from ordinary universities, vocational schools and technical colleges, as well as students who are in school within five years after graduation, returnees and migrant workers who return home to start businesses within five years after graduation.
2. Identification conditions. Students in ordinary colleges, vocational schools and technical colleges can apply for commercial secured loans with relevant materials such as proof of study and loan application. Ordinary institutions of higher learning, vocational schools, technical colleges and returned students who have graduated within 5 years may apply for commercial guarantee loans with graduation certificates, loan application forms and other related materials; Migrant workers who return home to start a business can apply for a business guarantee loan with the certificate of migrant workers returning home to start a business, the loan application form and other related materials issued by the township human resources and social security office (office).