One, on further increasing the entrepreneurial guaranteed loan interest rate subsidy full support

CITIC Finance; economic vertical and horizontal May 25, 25, the Ministry of Finance issued "on the play of fiscal policy to guide the role of support for the financial to help market entities to alleviate the difficulties in the development of the notice," requiring to increase the entrepreneurial guaranteed loan interest rate subsidy efforts, with an emphasis on increasing support for small and micro enterprises and individual businessmen in the transportation, catering, accommodation, tourism and other industries that are greatly affected by the epidemic, to help enterprises stabilize jobs. The impact of the epidemic is more transportation, catering, accommodation, tourism and other industries, small and micro enterprises and individual business support, to help enterprises stabilize jobs. Specific notices are as follows: First, give full play to the role of government financing guarantee institutions to increase credit. Local government financing guarantee institutions at all levels will provide financing guarantee support to eligible small and medium-sized enterprises and individual business households in the transportation, catering, accommodation, tourism and other industries, fulfill their repayment obligations in a timely manner, promote financial institutions to lend money as soon as possible, and not to draw loans, not to suppress loans, and not to retain loans.In 2023, the above eligible financing guarantee business will be included in the scope of cooperation of the National Financing Guarantee Fund for Re-guarantee. Conditional places shall increase their support for capital supplementation and subsidization of guarantee fees for governmental financial guarantee institutions. Second, raise the interest rate of entrepreneurial guarantee loans. Local finance departments at and above the county level should work with relevant parties to increase the publicity and implementation of the policy of subsidizing the interest rate of guaranteed loans for entrepreneurship, focusing on increasing support for small and micro-enterprises and individual entrepreneurs in industries such as transportation, catering, lodging, and tourism, which have been greatly affected by the epidemic, so as to help stabilize the positions of the enterprises. Localities in a position to do so should accelerate the promotion of the online business model of guaranteed loans for entrepreneurship, simplify the business approval process, and improve the convenience of loans. Local financial departments at or above the county level should supplement the guarantee fund for entrepreneurial guaranteed loans in a timely manner in accordance with the regulations, or the government financial guarantee institutions should provide guarantees and credit enhancement for eligible entrepreneurs and small and micro enterprises, and support the expansion of the scale of entrepreneurial guaranteed loans. Third, the implementation of the central financial support for the development of inclusive financial demonstration zones incentive policy. Provincial financial departments shall earnestly organize the implementation of the Notice of the Ministry of Finance People's Bank of China Banking and Insurance Regulatory Commission on the Implementation of the Central Financial Support for Inclusive Financial Development Demonstration Zone Incentive Policy (Jin Cai [2021] No. 96), guide local financial departments in demonstration zones to formulate methods for the allocation, use and management of incentive funds, implement boutique construction plans for demonstration zones, strengthen departmental coordination and policy linkages, and effectively guide the increase in the amount of inclusive financial services , expanding surface, reducing costs, and increasing efficiency. Fourth, improve the level of agricultural insurance risk protection. Provincial financial departments should work with relevant parties to strictly implement the "Ministry of Finance, Ministry of Agriculture and Rural Development, the Banking and Insurance Commission on expanding the implementation of the three major food crops full-cost insurance and planting income insurance notice" (Jin Cai [2021] No. 49), carefully organized, carefully deployed, scheduling on a monthly basis to strengthen budgetary guarantees to ensure that within the year to achieve the main grain-producing provinces of rice, maize, wheat full-cost insurance and planting income insurance full coverage. The full coverage of planting revenue insurance, stabilizing the income of grain farmers and guaranteeing the safety of staple grains. The Department of Finance of the Guangxi Zhuang Autonomous Region should work with relevant parties to carry out full-cost insurance and planting income insurance for sugarcane in an orderly manner, further improve the insurance scheme, optimize the compensation mechanism, strengthen the management of underwriting and claims, and improve the enthusiasm of farmers in planting sugarcane. The Department of Finance of Heilongjiang Province and the Department of Finance of Inner Mongolia Autonomous Region should work together with the relevant parties to carry out the pilot work of full-cost soybean insurance and planting income insurance, combine with the actual work of local agricultural insurance, determine the pilot counties as soon as possible, and guide the pilot counties to do a good job in selecting the underwriters, setting the terms of the insurance policy, reviewing and approving the premium subsidy, and evaluating the performance of the work. Thus helping to improve China's soybean oil self-sufficiency rate. Fifth, to promote local advantages and characteristics of agricultural products insurance. Provincial financial departments to guide the local financial departments above the county level according to local conditions, and steadily carry out the local advantageous agricultural products insurance, related questions and answers: entrepreneurial fund loan conditions entrepreneurial fund loan applications need to meet the conditions are: 1, the borrower's age is more than 18 years old, 45 years of age or less, is a legal citizen of our country, and hold a valid identity document; 2, the borrower in the loan local address with a fixed residence; 3, The borrower holds a business license issued by the industrial and commercial administrative organs and relevant industry permits; 4, the borrower's entrepreneurial projects in line with the relevant provisions; 5, the borrower does not have a bad credit record; 6, the borrower has a certain percentage of self-funding, is used to start the business project; 7, other conditions required by the lending institutions.

Second, what are the policies of the state on entrepreneurship in 2017

State supportive policies for college students to start their own businesses

1. College students start their own businesses with tax incentives

Holders of the social services department to issue the "Employment and Entrepreneurship Certificate" (with the statement "tax policy for independent entrepreneurship in the year of graduation

College graduates holding the "Employment and Entrepreneurship Certificate" issued by the social affairs department (stating "Tax Policy for Independent Entrepreneurship in the Graduation Year") who set up an individual industrial and commercial business or a sole proprietorship enterprise within the graduation year (i.e., the natural year of graduation, i.e., from January 1st to December 31st) will have the business tax, urban maintenance and construction tax, surcharge on education fees, and personal income tax actually due for that year deducted in order of priority within the limit of 8000 yuan per household per year within the three-year period. Small micro-profit enterprises founded by college graduates shall enjoy relevant tax support policies in accordance with national regulations.

2. Guaranteed Loans and Interest Subsidies for Entrepreneurship

Eligible college students who start their own businesses can apply for guaranteed loans of 100,000 yuan at the place where they start their businesses in accordance with the regulations. Encourage financial institutions to refer to the base interest rate of the loan, combined with risk sharing, to reasonably determine the level of the loan interest rate, the guaranteed loans issued to individuals, within 3 percentage points above the base interest rate of the loan, the financial subsidy.

3. Exemption from relevant administrative fees

General college students who have graduated within 2 years of their graduation and are engaged in self-employment (in addition to state-restricted industries) are exempted from relevant administrative fees such as management, registration and license fees for a period of 3 years from the date of their first registration in the industry and commerce department.

4. Training Subsidies

Social insurance subsidies will be given for one year to small and medium-sized enterprises founded by college students that employ college graduates in the graduation year, sign a labor contract for more than one year, and pay social insurance premiums. For college graduates who participate in entrepreneurship training within their graduation year (i.e., 12 months from July 1 of the year before graduation), training subsidies will be given in accordance with the regulations based on their obtaining of certificates of entrepreneurship training, or their employment or entrepreneurship.

5. Free Entrepreneurial Services

College students who wish to start a business can receive free entrepreneurial guidance services from public **** employment and talent service organizations, including policy advice, information services, project development, risk assessment, guidance for business start-up, financing services, tracking support and other "one-stop" entrepreneurial services.

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6. Abolish the restriction on settlement of college graduates

College graduates can apply for settlement in the place where they start their businesses (municipalities directly under the central government will follow the relevant regulations).

7. Innovative Talent Training Programs and Mechanisms

Entrepreneurial college students can enjoy the series of "Excellence Programs" implemented by colleges and universities around the world, such as the Action Plan for Collaborative Educational Training in Science and Education, as well as cross-curricular courses offered by cross-disciplinary majors, experimental classes on innovation and entrepreneurship education and the exploration of the establishment of cross-faculty departments, The new mechanism of cross-cultivation of innovative and entrepreneurial talents across disciplines and specialties has been explored.

8. Development and opening of innovation and entrepreneurship education courses

Students who start their own businesses can enjoy the various specialized courses and innovation and entrepreneurship education resources excavated and enriched by universities, as well as the compulsory and elective courses on research methods, frontiers of disciplines, entrepreneurship fundamentals, and guidance on employment and entrepreneurship for all students, and the catechism courses that enjoy the resources of various regions and universities, video open courses and other online open courses, and online open course learning certification and credit recognition system.

9. Provide enhanced innovation and entrepreneurship practice resources

Students who start their own businesses can ****enjoy the university science and technology parks, entrepreneurship parks, entrepreneurship incubation bases, the Ministry of Education's engineering research centers, various types of laboratories, teaching instruments and equipment, and other scientific and technological innovation resources and experimental teaching platforms that are open to all students. Participate in the National University Students Innovation and Entrepreneurship Competition, the National Skills Competition for Higher Vocational Colleges and Universities, and various kinds of thematic competitions on scientific and technological innovation, creative design, and entrepreneurial planning, as well as associations set up by college and university students such as Innovation and Entrepreneurship Associations and Entrepreneurship Clubs, etc., to enhance the practical ability of innovation and entrepreneurship.

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

Self-employed college students can enjoy the system of accumulating and converting college students' innovation and entrepreneurship credits for self-employed entrepreneurship set up by colleges and universities, and students' carrying out of innovation experiments, publication of theses, obtaining of patents, and self-employed entrepreneurship, etc., are converted into credits, and students' participation in activities such as subject research and experiments in projects are recognized as new explorations of classroom learning. Also enjoy the innovative and entrepreneurial ability training program for students who have the will and potential, innovative and entrepreneurial files and transcripts and other series of objective records and quantitative evaluation of students to carry out innovative and entrepreneurial activities in the teaching and learning practice activities.

11. Improvement of academic management regulations

Students who wish to start their own business can enjoy the flexible academic system implemented by colleges and universities, which relaxes the number of years of study, and allows adjustment of the academic process and retention of the academic status of students to take a break from their studies for innovation and entrepreneurship and other management regulations.

12. Entrepreneurship guidance services for college students

Students who start their own businesses can enjoy the continuous support, full guidance and one-stop services implemented by colleges and universities around the world for students who start their own businesses. The information service platform at the local and university levels provides students with real-time information on national policies and market trends, as well as services such as entrepreneurial project docking and intellectual property rights trading. You can enjoy the college students' business incubation bases constructed by localities according to local conditions on the basis of giving full play to the role of various business incubation bases, as well as relevant training, guidance services and other support policies.

State policy support for college students' entrepreneurial projects

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

Clearly put forward, "We should improve the policy to support independent entrepreneurship and self-employment, so as to make more workers become entrepreneurs." College students are the most energetic and creative group, containing great enthusiasm for creation and entrepreneurial potential. Governments at all levels should put encouraging and guiding college students to start their own businesses in an important position, actively create a favorable environment, increase policy support and guidance, and build a green channel for college students to start their own businesses.

1. Improve entrepreneurial policies and strengthen entrepreneurial incentives. To comprehensively sort out the existing entrepreneurship, employment-related policies, support policies to unify the "entrepreneurship driven employment" orientation, to expand employment and encourage entrepreneurship combined, the development of entrepreneurial projects and entrepreneurial training combined, the graduates of entrepreneurship and related policies combined, the establishment of project development, entrepreneurial training, and so on. entrepreneurship mechanism. Governments at all levels should actively guide all kinds of financial institutions, increase support for graduate entrepreneurship, simplify the guarantee procedures, the implementation of labor, guarantee, bank joint investigations, to provide guarantees for college and university graduates.

It is understood that not long ago, the central bank, the Ministry of Finance, the Ministry of Human Resources and Social Security joined forces to issue "on further improving the management of small-scale secured loans to actively promote entrepreneurship to promote employment notice". The Notice stipulates that the micro-guaranteed loan financial institutions to individuals newly issued micro-guaranteed loans, its loan interest rate can be in the People's Bank of China announced on the basis of the benchmark interest rate for loans floating 3 percentage points. Among them, the increase in the interest rate of micro-profit projects by the central government to bear the full burden.

At the same time, micro-guaranteed loans by financial institutions for individuals to issue new micro-guaranteed loans of up to 20,000 yuan to 50,000 yuan, the maximum amount of micro-guaranteed loans to eligible labor-intensive small enterprises from not more than 1 million yuan to not more than 2 million yuan. The financial institutions handling the loans may appropriately expand the size of the loans for qualified persons who run businesses in partnership and organize themselves for employment.

2. Strengthening entrepreneurship education and enhancing entrepreneurial ability.

One is to cultivate entrepreneurial spirit. Let graduates understand the current severe employment situation in China, and understand the social responsibility and sense of mission of entrepreneurship.

The second is to enrich entrepreneurial knowledge. Entrepreneurship training should be combined with project recommendation, technical support, talent service, financing guarantee, business guidance, etc., and entrepreneurs and successful entrepreneurs to carry out "entrepreneurship one-on-one" activities, and regularly organize entrepreneurial experience exchange and entrepreneurship competition and other activities, not only to enrich the necessary knowledge of business, taxation, finance, labor and business operation, but also to enrich the knowledge of business. The company will not only enrich their knowledge of industry and commerce, taxation, finance, labor and business operation, but also let them learn how to handle the relevant formalities, how to raise funds and avoid market risks and other knowledge.

Thirdly, the psychological counseling of entrepreneurship is strengthened. Through the training, they can overcome the psychology of not daring to start a business, not willing to start a business, afraid of risk, afraid of failure, and build self-confidence in entrepreneurship.

Fourth, improve entrepreneurial ability. Through the training, they can basically master how to grasp business opportunities, how to organize entrepreneurial teams, how to give full play to the team's human resources advantages, and so on, and constantly improve the ability to innovate, planning, organizing, coordinating and management skills.

3. Building entrepreneurial bases and strengthening entrepreneurial support. The government should encourage multi-party investment, make full use of idle factory buildings, specialized markets and other places suitable for small and medium-sized enterprises to gather and start businesses, and build small and medium-sized enterprise business coaching bases with rolling incubation functions, so that graduates who start their own businesses can clear up their entrepreneurial thinking and improve their entrepreneurial skills. By hiring well-known entrepreneurs, graduates successful entrepreneurs, experts and scholars to form a team of independent entrepreneurship mentors, according to the different needs of independent entrepreneurs, to provide consulting, technology, management, governmental agencies and other guidance and services.

Related research institutes should actively research and develop a number of new products and technologies that have good market prospects, quick investment and are suitable for the needs of entrepreneurs, promote them to entrepreneurs, and organize professional and technical personnel to carry out entrepreneurial services. Relevant departments should set up service windows for independent entrepreneurship of college students, open independent entrepreneurship policy and information columns, and provide policy advice, investment information, market conditions, project promotion, technological progress, foreign trade and labor supply and demand and other related information services. To set up a number of entrepreneurial typical, promote a number of successful experience, so that more graduates have an example to learn, do have the energy.

4. Standardize law enforcement behavior and create an entrepreneurial environment. To vigorously promote the "sunshine government" project, strengthen the efficiency of the construction of organs, simplify procedures and improve efficiency. To prohibit any departments, units and individuals to interfere in the normal operation of enterprises, and strictly curb arbitrary fees, disbursements, fines, inspections, training and other behavior. To break the monopoly of the industry, where the state does not explicitly prohibit the industry, to allow private enterprises to enter, so that all kinds of ownership of the economy to obtain the right to compete on an equal footing, to provide entrepreneurs with a favorable market environment.

(2) Guiding Opinions on Promoting Entrepreneurship as a Driver of Employment

The General Office of the State Council in October forwarded the Guiding Opinions on Promoting Entrepreneurship as a Driver of Employment, which was jointly issued by the Ministry of Human Resources and Social Security and other 11 departments. This guidance will bring five major benefits to workers' entrepreneurship.

1. Lower market access threshold for entrepreneurs

The Guiding Opinions relax the restrictions on registered capital and business premises for new businesses, simplify procedures to improve efficiency, and include the products and services of small businesses in the scope of government procurement. It expands the scope of government procurement and formulates preferential government procurement policies to promote the development of small businesses.

2. Entrepreneurs will receive more capacity training

The Guidance addresses the requirements for entrepreneurs to improve their entrepreneurial capacity, and explicitly proposes to increase entrepreneurial training. Requirements for a sound entrepreneurial training system, will have entrepreneurial aspirations and training needs of all people into the scope of entrepreneurial training objects. At the same time, it strengthens the curriculum of entrepreneurship in general colleges and vocational schools.

3. Entrepreneurs will have more financing channels

The Guidance clearly puts forward to actively explore the innovation of collateral guarantee method, and encourages financial institutions to actively provide financing support for the projects that conform to the national policy and are conducive to the promotion of entrepreneurship-led employment.

4. Entrepreneurs will have a better market environment

The Guidance requires the full implementation of the fee disclosure system and the registration card system for enterprises to pay fees, and prohibits any department, unit or individual from interfering with the normal operation of entrepreneurial enterprises.

At the same time, it simplifies the approval and licensing procedures and opens a "green channel" for entrepreneurship. Requirements for the full implementation of tax incentives to encourage entrepreneurship, capital subsidies, site arrangements and other supportive policies.

5. Entrepreneurs will get more public **** services

The Guidance clearly puts forward that, according to the needs of urban and rural entrepreneurs, the organization to carry out project development, program design, risk assessment, guidance for business start-ups, financing services, tracking support and other "one-stop" entrepreneurial services, the establishment of entrepreneurial information, policy release platform, build entrepreneurs exchange and mutual assistance. It also establishes a platform for entrepreneurial information and policy dissemination, and builds an effective channel for entrepreneurs to communicate and help each other.

Three, increase the implementation of entrepreneurial loan policy to establish what is recommended?

Increase the implementation of entrepreneurial guaranteed loan policy, the establishment of credit villages, credit parks, business incubation demonstration carriers recommended guarantee-free mechanism.

Four, increase the entrepreneurial guaranteed loan support, expand the policy coverage, prioritize the support of the key groups affected by the epidemic?

Increase entrepreneurial guaranteed support if expanding the scope of positive business support then can be to make a priority line of the impact of the key groups of priority policy