National support for small and micro interest-free loans is the main content of the State Council's Opinions on Supporting the Healthy Development of Small and Micro Enterprises;
financial support
First, the central government will expand the scale of special funds for small and medium-sized enterprises from 654.38+0.287 billion yuan to 654.38+0.4./kloc-0.7 billion yuan, and will increase the total scale of funds year by year;
Second, the central government arranged 654.38+0.5 billion yuan to set up a national SME development fund, which is mainly used to guide local and venture capital institutions and other social funds to support small and micro enterprises in the initial stage.
Financing guarantee service
First, guarantee institutions that mainly provide loan guarantees for small and medium-sized enterprises and whose annual new guarantee business amount reaches more than three times their net assets can continue to enjoy the preferential policy of exemption from business tax for three years;
Second, through the risk subsidies and premium subsidies of central financial funds, guarantee institutions are encouraged to increase the scale of small and micro enterprise guarantee business and reduce the guarantee fees of small and micro enterprises;
The third is to promote the development of re-guarantee institutions and strengthen their functions of diversifying risks and increasing credit.
Conditions for bank interest-free loans:
1, age 18 to 45 years old, China citizen with full capacity for civil conduct;
2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.
6, good reputation, no bad records;
7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, whether individuals pay interest first, then financial subsidies, or financial discount in advance, the relevant scheme has not yet been determined, but financial discount is certain.