CITIC Finance; On May 25th, the Ministry of Finance issued the Notice on Giving Full Play to the Guiding Role of Fiscal Policy in Supporting the Development of Financial Assistance Market Subjects, demanding to increase the interest subsidy for business start-up guarantee loans, focusing on increasing the support for small and micro enterprises and individual industrial and commercial households in transportation, catering, accommodation, tourism and other industries that are greatly affected by the epidemic, so as to help enterprises stabilize their employment. The specific notice is as follows: 1. Give full play to the credit enhancement role of government financing guarantee institutions. Local government financing guarantee institutions at all levels provide financing guarantee support to qualified small and medium-sized enterprises and individual industrial and commercial households in transportation, catering, accommodation, tourism and other industries, fulfill their compensatory obligations in a timely manner, and promote financial institutions to lend as soon as possible, without lending, withholding or detaining loans. In 2023, the above-mentioned qualified financing guarantee business will be included in the re-guarantee cooperation scope of the national financing guarantee fund. Where conditions permit, it is necessary to increase support for capital replenishment and guarantee fee subsidies of government financing guarantee institutions. Second, raise the interest rate of business guarantee loans. The local financial departments at or above the county level shall, jointly with relevant parties, increase the publicity and implementation of the discount policy for business guarantee loans, and focus on increasing support for small and micro enterprises and individual industrial and commercial households in the transportation, catering, accommodation, tourism and other industries that are greatly affected by the epidemic to help enterprises stabilize their employment. Where conditions permit, it is necessary to accelerate the online business model of business guarantee loans, simplify the business approval process, and improve the convenience of loans. Local financial departments at or above the county level shall timely supplement the guarantee funds for business start-up guarantee loans according to regulations, or government financing guarantee institutions shall provide guarantees and credit enhancement for qualified entrepreneurs and small and micro enterprises to support the expansion of business start-up guarantee loans. Three, the implementation of the central government to support the development of inclusive finance demonstration zone incentive policy. Provincial financial departments should conscientiously organize and implement the Notice of China Banking Regulatory Commission and the Ministry of Finance of China People's Bank on Implementing the Central Government's Policy of Supporting inclusive finance's Development Demonstration Zone (Jin Cai [2021] No.96), guide the local financial departments in the demonstration zone to formulate the allocation, use and management methods of award and subsidy funds, implement the construction plan of the boutique demonstration zone, strengthen departmental coordination and policy linkage, and effectively guide inclusive finance's service increment, expansion, cost reduction and efficiency increase. Fourth, improve the level of agricultural insurance risk protection. Provincial financial departments should, jointly with relevant parties, strictly implement the relevant requirements of the Notice of the China Banking Regulatory Commission of the Ministry of Finance and the Ministry of Agriculture and Rural Affairs on Expanding the Implementation Scope of Full-cost Insurance and Planting Income Insurance for Three Major Grain Crops (Jin Cai [2021] No.49), carefully organize, carefully deploy and dispatch on a monthly basis, strengthen budget guarantee, and ensure full-cost insurance and planting of rice, corn and wheat in major grain-producing provinces during the year. The Finance Department of Guangxi Zhuang Autonomous Region shall, jointly with relevant parties, carry out full-cost insurance and planting income insurance in an orderly manner, further improve the insurance scheme, optimize the compensation mechanism, strengthen the management of underwriting claims, and improve farmers' enthusiasm for planting sugarcane. The Finance Department of Heilongjiang Province and the Finance Department of Inner Mongolia Autonomous Region shall, jointly with relevant parties, solidly carry out the pilot work of soybean full-cost insurance and planting income insurance, determine the pilot counties as soon as possible in combination with the actual work of local agricultural insurance, and guide the pilot counties to do a good job in the selection of underwriting institutions, the setting of insurance clauses, the review of premium subsidies, and performance evaluation. It is helpful to improve the self-sufficiency rate of soybean oil in China. Five, the promotion of local advantages and characteristics of agricultural products insurance. Provincial financial departments should guide local financial departments at or above the county level to adjust measures to local conditions and steadily carry out insurance for local advantageous agricultural products. Related Questions and Answers: Conditions of Venture Capital Loan The conditions to be met in applying for a venture capital loan are: 1, the borrower is over 18 years old and under 45 years old, he is a legal citizen of China and holds valid identity documents; 2. The borrower has a fixed residence address in the loan area; 3. The borrower holds the business license and relevant industry license issued by the administrative department for industry and commerce; 4. The project initiated by the borrower complies with relevant regulations; 5. The borrower has no bad credit record; 6. The borrower has a certain proportion of self-raised funds for starting entrepreneurial projects; 7. Other conditions required by the lending institution.

2.20 17 what are the national policies on entrepreneurship?

The State's Support Policy for College Students' Entrepreneurship

1. Tax incentives for college students to start businesses

College graduates who hold the Employment and Entrepreneurship Certificate issued by the human resources and social security department (marked with "tax policy for self-employment in graduation year") and set up individual industrial and commercial households and sole proprietorship enterprises in the graduation year (that is, from February 1 day to 1 day) will be deducted in turn according to the limit of 8,000 yuan per household per year within three years. Small and low-profit enterprises founded by college graduates enjoy relevant tax support policies in accordance with state regulations.

2. Commercial guaranteed loans and interest subsidies

For qualified college students who want to start their own businesses, they can apply for a business guarantee loan at the place where they start their own businesses, with a loan amount of 654.38+10,000 yuan. Encourage financial institutions to refer to the preferential loan interest rate, combined with risk sharing, and reasonably determine the loan interest rate level. Business guarantee loans issued by individuals will be subsidized if they rise by less than 3 percentage points on the basis of preferential loan interest rates.

3. Exempt from relevant administrative fees.

Ordinary college students who are engaged in self-employment within two years after graduation (except for industries restricted by the state) will be exempted from management, registration, license and other related administrative fees within three years from the date of first registration in the industrial and commercial department.

4. Enjoy training subsidies

Small and micro enterprises founded by college students will be given social insurance subsidies of 1 year if they recruit college graduates in the graduation year, sign labor contracts for more than 1 year and pay social insurance premiums. For college students who have participated in entrepreneurship training in the graduation school year (that is, within July 1 day 12 months of the year before graduation), according to their entrepreneurship training or employment and entrepreneurship qualification certificates, training subsidies are given according to regulations.

5. Free entrepreneurial service

College students who are willing to start a business can get free entrepreneurial guidance services provided by public employment and talent service institutions, including "one-stop" entrepreneurial services such as policy consultation, information services, project development, risk assessment, entrepreneurial guidance, financing services and follow-up support.

6. Cancel the restrictions on the settlement of college graduates.

College graduates can go through the formalities of settlement in the place where they start their business (the municipality directly under the Central Government shall implement it according to relevant regulations).

7. Innovative talent training plans and mechanisms.

Entrepreneurial college students can enjoy a series of "excellent plans" implemented by colleges and universities all over the country, and collaborative education action plans combining science and education. , as well as interdisciplinary courses and experimental classes for innovation and entrepreneurship education, as well as a new mechanism for cultivating innovative and entrepreneurial talents across departments, disciplines and disciplines.

8. Develop and offer innovation and entrepreneurship education courses.

Self-employed college students can enjoy all kinds of professional courses and innovative and entrepreneurial education resources excavated and enriched by colleges and universities, as well as compulsory courses and elective courses such as research methods, frontier disciplines, entrepreneurship foundation, employment and entrepreneurship guidance developed for all students, and online open courses such as massive open online courses and video open courses enjoyed by various regions and colleges, as well as the learning certification and credit recognition system of online open courses.

9. Provide resources to strengthen innovation and entrepreneurship practice.

Self-employed college students can enjoy scientific and technological innovation resources and experimental teaching platforms open to all students, such as University Science Park, Pioneer Park, Business Incubation Base, Engineering Research Center of Ministry of Education, various laboratories, teaching instruments and equipment. Participate in the National College Students' Innovation and Entrepreneurship Competition, the National Vocational College Skills Competition, various special competitions such as scientific and technological innovation, creative design, and entrepreneurial plans, as well as associations such as innovation and entrepreneurship associations and entrepreneurial clubs established by college students to enhance their innovative and entrepreneurial practice ability.

10. Reform the teaching system adapted to college students' entrepreneurship

Self-employed college students can enjoy the credit accumulation and conversion system of self-employed college students' innovation and entrepreneurship, which converts students' innovative experiments, papers, patents and self-employment into credits, and recognizes students' participation in project research and project experiments as a new exploration of classroom learning. At the same time, we also enjoy a series of teaching practice activities that objectively record and quantitatively evaluate students' innovative and entrepreneurial activities, such as providing innovative and entrepreneurial ability training plans, innovative and entrepreneurial files and transcripts for students with willingness and potential.

1 1. Improve the regulations on student status management.

College students who are willing to start their own businesses can enjoy the flexible academic system implemented by colleges and universities, relax the number of years of study for students, allow them to adjust their academic progress, retain their student status, and drop out of school to innovate and start businesses.

12. Entrepreneurship guidance service for college students

Self-employed college students can enjoy continuous assistance, full guidance and one-stop service provided by universities all over the country. And local and university information service platforms to provide students with real-time information on national policies and market trends, as well as services such as docking entrepreneurial projects and intellectual property transactions. On the basis of giving full play to the role of all kinds of business incubation bases, we can enjoy the business incubation bases for college students built according to local conditions and related training and guidance services.

National Policy Support for College Students' Entrepreneurial Projects

(A) to build a green channel for college students to start their own businesses

Clearly put forward "to improve the policy of supporting self-employment and self-employment, so that more workers can become entrepreneurs." College students are the most energetic and creative group, which contains great creative enthusiasm and entrepreneurial potential. Governments at all levels should give priority to encouraging and guiding college students' entrepreneurship, actively create a good environment, increase policy support and guidance, and build a green channel for college students' entrepreneurship.

1. Improve entrepreneurial policies and strengthen entrepreneurial incentives. It is necessary to comprehensively sort out the existing policies related to entrepreneurship and employment, unify the support policies to the direction of "promoting employment through entrepreneurship", combine employment expansion with encouraging entrepreneurship, combine entrepreneurial project development with entrepreneurship training, combine graduate entrepreneurship with relevant policies, and establish an entrepreneurial mechanism combining project development and entrepreneurship training. Governments at all levels should actively guide all kinds of financial institutions, increase support for graduates' entrepreneurship, simplify the guarantee procedures, and carry out joint investigations on labor services, guarantees and banks to provide guarantees for college graduates' entrepreneurship.

It is understood that not long ago, the Central Bank, the Ministry of Finance and Ministry of Human Resources and Social Security jointly issued the Notice on Further Improving the Management of Small Guaranteed Loans and Actively Promoting Entrepreneurship and Employment. According to the circular, the loan interest rate of new small secured loans issued by financial institutions to individuals can be increased by 3 percentage points on the basis of the benchmark loan interest rate announced by the People's Bank of China. Among them, the increased interest of low-profit projects is all borne by the central government.

At the same time, the maximum amount of small secured loans newly issued by financial institutions to individuals will be raised from 20,000 yuan to 50,000 yuan, and the maximum amount of small secured loans to qualified labor-intensive small enterprises will be raised from no more than 6.5438+0 million yuan to no more than 2 million yuan. For qualified personnel to operate in partnership and organize employment, the handling financial institution may appropriately expand the loan scale.

2. Strengthen entrepreneurship education and enhance entrepreneurial ability.

The first is to cultivate entrepreneurship. Let graduates understand the current severe employment situation in China and the sense of social responsibility and mission of starting a business.

The second is to enrich entrepreneurial knowledge. Entrepreneurship training should be combined with project recommendation, technical support, talent service, financing guarantee and entrepreneurship guidance. And carry out "one-on-one" activities with entrepreneurs and successful entrepreneurs, and hold regular entrepreneurial experience exchanges and entrepreneurial competitions, which not only enrich their knowledge of industry and commerce, taxation, finance, labor and enterprise management, but also let them learn how to handle relevant procedures, raise funds and avoid market risks.

The third is to strengthen entrepreneurial psychological counseling. Through training, they can overcome their fear of starting a business, unwillingness to start a business, fear of taking risks and fear of failure, and establish entrepreneurial confidence.

The fourth is to improve entrepreneurial ability. Through training, they can basically master how to grasp business opportunities, how to form an entrepreneurial team, how to give full play to the team's human resources advantages, and constantly improve their innovation, planning, organization, coordination and management capabilities.

3. Build an entrepreneurial base and strengthen entrepreneurial support. The government should encourage multi-party investment, make full use of idle factories, professional markets and other places suitable for small and medium-sized enterprises to gather and start businesses, and build a small and medium-sized enterprise entrepreneurship counseling base with rolling incubation function, so that graduates who start their own businesses can sort out their entrepreneurial ideas and improve their entrepreneurial skills. By employing well-known entrepreneurs, successful graduates, experts and scholars to form a team of self-employed mentors, we will provide guidance and services such as consultation, technology, management and government agency according to the different needs of self-employed people.

Relevant scientific research institutes should actively develop a number of new products and technologies with good market prospects and quick investment, which are suitable for entrepreneurs' needs, introduce them to entrepreneurs, and organize professional and technical personnel to carry out entrepreneurial services. Relevant departments should set up service windows for college students' self-employment, set up self-employment policies and information columns, and provide relevant information services such as policy consultation, investment information, market conditions, project promotion, technological progress, foreign trade, labor supply and demand, etc. It is necessary to set up a number of entrepreneurial models, popularize a number of successful experiences, and let more graduates learn to set an example and be self-motivated.

4. Standardize law enforcement and create an entrepreneurial environment. We should vigorously promote the "sunshine government affairs" project, strengthen the efficiency construction of organs, simplify procedures and improve work efficiency. It is forbidden for any department, unit or individual to interfere in the normal operation of the enterprise, and it is strictly forbidden to collect fees, apportion fees, impose fines, inspect and train indiscriminately. In order to break the monopoly of industries, private enterprises should be allowed to enter all industries that are not explicitly prohibited by the state, so that all ownership economies can obtain equal competition rights and provide a good market environment for entrepreneurs.

(2) Guiding opinions on promoting entrepreneurship and employment.

On June+10, 5438, the General Office of the State Council approved the Guiding Opinions on Promoting Entrepreneurship and Employment jointly issued by Ministry of Human Resources and Social Security and other departments. This guidance will bring five benefits to workers' entrepreneurship.

1. The market entry threshold for entrepreneurs is reduced.

The Guiding Opinions relax the restrictions on the registered capital and business premises of newly established enterprises, simplify procedures, improve efficiency, and include the products and services of small enterprises in the scope of government procurement. Expand the scope of government procurement and formulate preferential policies for government procurement to promote the development of small enterprises.

2. Entrepreneurs will receive more ability training.

In response to the requirements of entrepreneurs to improve their entrepreneurial ability, the Guiding Opinions clearly put forward to increase entrepreneurship training. It is required to improve the entrepreneurship training system and include all those who have entrepreneurial aspirations and training needs in the scope of entrepreneurship training. At the same time, strengthen entrepreneurship courses in colleges and vocational schools.

3. Entrepreneurs will have more financing channels.

The Guiding Opinions clearly put forward that we should actively explore the innovation of mortgage guarantee methods and encourage financial institutions to actively provide financing support for projects that are in line with national policies and conducive to promoting entrepreneurship and employment.

4. Entrepreneurs will have better market environment.

The Guiding Opinions require that the charging publicity system and the enterprise payment registration card system be fully implemented, and any department, unit or individual is prohibited from interfering with the normal operation of start-up enterprises.

At the same time, simplify the examination and approval procedures and open up a "green channel" for entrepreneurship. It is required to fully implement tax incentives, financial subsidies and venue arrangements to encourage entrepreneurship.

Entrepreneurs will get more public services.

The Guiding Opinions clearly put forward that according to the needs of urban and rural entrepreneurs, we should organize "one-stop" entrepreneurial services such as project development, scheme design, risk assessment, opening guidance, financing services and follow-up support, establish a platform for publishing entrepreneurial information and policies, and build an effective channel for entrepreneurs to exchange and help each other.

Three. What suggestions are put forward to strengthen the implementation of the policy of venture guarantee loan?

Intensify the implementation of the policy of business guarantee loan, and establish a guarantee-free mechanism for recommending credit villages, credit parks and business incubation demonstration carriers.

Fourth, increase the support for business guarantee loans, expand the policy coverage, and give priority to supporting key groups affected by the epidemic?

If we increase the support of entrepreneurial guarantee and expand the scope of formal support, we can give priority to the policy of giving priority to key groups.