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.
legal ground
The first 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), Opinions of Zhejiang Provincial People's Government on Supporting Mass Entrepreneurship and Promoting Employment (Zhejiang [2015] No.21No.0) and Jiaxing.
Article 2 The term "business start-up loan" as mentioned in these Measures refers to the loan audited by the human resources and social security department, issued by the handling bank, provided by the business start-up guarantee fund funded by the municipal finance or provided in other forms, and subsidized by the municipal finance for encouraging business start-up 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.