I. Yunnan Province 2019 entrepreneurial loan policy?
1. The maximum is not more than 70% of the total amount of funds required for the borrower's working capital for normal production and business activities, the purchase (installation or repair) of small-scale equipment (machinery), and the total amount of funds required for franchising chain operations;
2. The term is generally two years, with a maximum of no more than three years, of which the maximum term of the working capital loan for production and business operations is one year;
3. personal entrepreneurial loans to implement the People's Bank of China promulgated the term of the loan interest rate, can be up and down in the range of the prescribed range
Two, entrepreneurial loan policy
College students entrepreneurship complete handbook of policy attention to the entrepreneurial policies of college students in recent years, in order to support the entrepreneurship of college students, the country at all levels of government has introduced a number of preferential policies For college students who intend to start their own business, it is important for them to understand these policies in order to take the first step to start their own business. According to the relevant provisions of the state and the Shanghai Municipal Government, fresh college graduates in Shanghai can enjoy four preferential policies of free risk assessment, free policy training, free loan guarantees and partial tax exemption, including: ■ College graduates (including college, undergraduate and graduate students) engaged in self-employment, from the date of approval of the operation of the self-employed, exempted from the payment of self-employed registration fees, self-employed management fees for one year, economic contract model text labor cost, etc. In addition, if you set up an informal enterprise, you can be exempted from taxes for three years by registering in your district or county.
Three, Jiaxing City, entrepreneurial loan implementation measures
Jiaxing City, entrepreneurial loan implementation measures are to further improve the Jiaxing entrepreneurial support policy system to promote entrepreneurship, promote employment, enhance the city's entrepreneurial ability to create entrepreneurial support policies. 1. , people with employment difficulties, urban retired soldiers, people with disabilities with a license and other entrepreneurial support. The Measures categorize entrepreneurial loans into two types: the first type is loans guaranteed by the Entrepreneurial Guarantee Fund (referred to as "Type I Loans"); and the second type refers to loans guaranteed in the form of mortgages, pledges, guarantees, credits and other forms of security (referred to as "Type II Loans"). 2. "key persons" may apply for Class and Class loans at full subsidized interest rates, and may apply for Class business start-up loan guarantees from the Municipal Small and Medium Enterprise Guarantee Corporation or the Municipal Small and Medium Enterprise Re-guarantee Corporation. Other borrowers can only apply for Class II loans, with a 50% discount on the actual loan payment rate. The maximum interest rate of subsidized loans is not more than the base interest rate of loans plus 3 percentage points. Resident science and technology incubators of small and medium-sized enterprises in accordance with the prime rate of loans to give full concessions, other small and medium-sized enterprises in accordance with the prime rate of loans to give 50% concessions. 3. Municipal entrepreneurial guarantee fund of 10 million yuan, the implementation of closed operation, separate accounting, independent operation, specifically for a kind of entrepreneurial loan guarantee and compensation. Loan interest rate in accordance with the market-oriented principle of independent negotiation to determine, in principle, does not exceed the benchmark lending rate of 3 percentage points. 4. entrepreneurial investment fund guarantees the expiration of the loan, entrepreneurial investment guarantee fund will be within 1 month (including interest on the term of the loan, excluding overdue interest and penalties) to fully compensate for overdue more than 3 months, the amount of the loan of 100,000 yuan (including) below the first class of the loan net loss. The net loss of loans exceeding 100,000 yuan will be compensated by 80% of the Business Start-up Guarantee Fund. For credit communities (villages) that meet the conditions for business start-up loans under the "Credit Community (Village)" designation, a credit of 100,000 yuan (inclusive) or less will be granted according to the actual situation, with one-time approval, on-demand use of the loan, balance control, and turnover use. Credit community (village) according to the previous year the community (village) the actual amount of entrepreneurial loans of 0.5% of the work subsidies.5. The new entrepreneurial loan method is the biggest highlight of the government set up by the Entrepreneurial Guarantee Fund for eligible entrepreneurs to provide loan guarantees, prying bank credit funds, while the applicant of entrepreneurial loans to give the full amount or part of the subsidized interest rate, can greatly alleviate the entrepreneurial community financing difficult, expensive financing problems. Legal basis Article 1 In order to implement the "Opinions of the State Council on Vigorously Promoting Mass Entrepreneurship and Innovation of Several Policies and Measures" (Guo Fa [2015] No. 32), "Opinions of the People's Government of Zhejiang Province on Supporting Mass Entrepreneurship and Promoting Employment" (浙政发[2015]21号), as well as the "Implementing Opinions of the People's Government of Jiaxing Municipality on Supporting Entrepreneurship and Promoting Employment" (嘉政发[2015] No. 102) and other documents. No. 102) and other documents, according to the "zhejiang province entrepreneurial guaranteed loan implementation measures (for trial implementation)" Article 2 of these measures referred to entrepreneurial loans, refers to the human resources and social security department audit, through the bank issued by the municipal financial contribution to the establishment of entrepreneurial guarantee fund to provide a guarantee or to provide other forms of guarantee, and by the municipal finance to be subsidized by the interest rate for the encouragement of entrepreneurship and employment absorption of the loan. Article 3 The loans for entrepreneurship are divided into two categories: the first category is the loans guaranteed by the Entrepreneurship Guarantee Fund (hereinafter referred to as "one category of loans"); the second category refers to the loans guaranteed by mortgages, pledges, guarantees, credits and other forms of guarantees (hereinafter referred to as "two categories of loans"). (hereinafter referred to as "Type II Loans"). Article 4 entrepreneurial loans by the People's Bank of China Jiaxing City Central Sub-branch in conjunction with the Jiaxing Municipal Bureau of Finance and the Jiaxing Municipal Bureau of Human Resources and Social Security comprehensive assessment of the bank. Article 15 a class of entrepreneurial loans by the entrepreneurial guarantee fund deposited by the operating bank. Entrepreneurship guarantee fund to assume the liability balance of entrepreneurial loans in principle shall not exceed 5 times the balance of the guarantee fund deposits; entrepreneurial loans due repayment rate of 95% or more can be appropriately expanded multiples, but the maximum shall not exceed 10 times the balance of the guarantee fund deposits. Municipal finance should be supplemented at the right time to expand the scale of entrepreneurship guarantee fund, and constantly improve the guarantee fund's ability to compensate. Article 16 of the entrepreneurship guarantee fund guarantees the expiration of the loan, the borrower can not return the loan principal and interest in full, the bank shall actively collect; more than 3 months overdue, the loan amount of 100,000 yuan (including 100,000 yuan, the same hereinafter) a class of net loss of the loan by the entrepreneurship guarantee fund in 1 month to pay the full amount of compensation (including the interest of the loan period, excluding overdue interest and penalty interest, the same hereinafter); the loan amount of more than 10 The net loss of one type of loan with a loan amount of more than 100,000 yuan shall be compensated 80% by the Business Start-up Guarantee Fund. Article 17 of the entrepreneurship guarantee fund may, depending on the situation, require a loan borrower to provide a certain form, a certain percentage of counter-guarantee, a loan borrower with better creditworthiness should be reduced as far as possible counter-guarantee requirements for the loan amount of 100,000 yuan or less borrowers are exempt from the counter-guarantee.
Four, Shandong entrepreneurial loan policy 2021?
One, Shandong University entrepreneurial loan application conditions
(a) graduated within five years of the college students to start a business in the first year to enjoy 100% rent subsidy, the second year to enjoy 50% rent subsidy, the third year to enjoy 30% rent subsidy.
(2) College students who start their own businesses can apply for a small guaranteed loan of 50,000-200,000 yuan, and if they are engaged in a micro-profit project, they will be given a full interest subsidy by the financial sector (no interest will be subsidized for the extension of the period), and the cumulative period of the subsidy will be no more than two years.
(3) college students to start their own business, can relax the registration conditions, apply for trial operation, and can be reduced or waived within three years of the registration category, licenses and other administrative fees.
(4) Registered unemployed or dispatched within the period of college students in January 1, 2009 after the first to set up enterprises, private non-enterprise units or engage in self-employment, in accordance with the provisions of the one-time entrepreneurial subsidies or self-employment support funds.
(5) College students who are registered as unemployed or dispatched to set up enterprises or private non-enterprise units are entitled to a one-time job development subsidy.
(f) Employees of the enterprises can participate in various training activities organized by the Entrepreneurship Center at a preferential rate, and eligible college graduates and unemployed persons within the dispatch period will be given free of charge if they participate in the training.
(vii) Returnees with outstanding entrepreneurial achievements, in line with the relevant provisions, will be given priority to recommend the enjoyment of national, provincial and municipal preferential policies on innovation and entrepreneurship of returnees.
Two, Shandong entrepreneurial loans related policies
1, priority loan support, appropriate issuance of credit loans. Increase the college graduates independent entrepreneurship loan support, for can provide effective assets credit (pledge) or quality customer guarantee, financial institutions give priority to credit support. For entrepreneurship loans for college graduates, the college graduates can be the main borrowers, and the guarantors can provide corresponding joint guarantees from the stable income or effective assets of their families or immediate family members. For those with good creditworthiness and guaranteed repayment, credit loans are appropriately granted on a risk-controlled basis.
2. Simplify loan procedures. By simplifying the loan procedures, the amount of credit loans can be reasonably determined and used for turnover within a certain period of time.
3, preferential interest rates. The entrepreneurial loans to give a certain preferential interest rate support, depending on the loan risk degree is different, on the basis of the statutory lending rate can be appropriate down or less up.
Shandong also actively support the independent entrepreneurship of college graduates, college graduates engaged in self-employment within the period of career choice, since the date of registration by the Administration for Industry and Commerce, within three years from the date of exemption from payment of the registration category, the management category and the license category of the various administrative fees. In accordance with the regulations, graduates employed in small and medium-sized enterprises and non-publicly owned units are treated equally with employees of state-owned enterprises in the evaluation of their professional and technical titles. For those engaged in science and technology, they are supported to apply for various types of science and technology programs in Shandong Province in accordance with the stipulated procedures. Natural persons are free to declare the provincial scientific research award fund for young and middle-aged scientists, the provincial natural science fund, and can declare the provincial science and technology awards in accordance with the prescribed procedures.