The new policy of small loans new policy will be the object of small guaranteed loans from the original state-owned enterprises laid off unemployed persons to collective enterprises laid off unemployed persons, urban demobilized veterans, universities and colleges technical school graduates, urban registered unemployed persons, entrepreneurial training completion of urban workers and foreign employment, as well as the above people to organize the employment or partnership enterprises. There are nine main categories of loan recipients: First, holders of the Re-employment Preferential Certificate. This refers to laid-off and unemployed persons from state-owned enterprises, persons who need to be resettled after the closure and bankruptcy of state-owned enterprises, laid-off and unemployed persons from collective enterprises, and other registered unemployed persons from towns and cities who are entitled to the Minimum Subsistence Guarantee for Urban Residents and who have been unemployed for more than one year, and who have been given the Re-employment Preferential Card issued by the labor security department. Second, urban demobilized veterans. Third, college graduates. Fourth, urban registered unemployed persons. Fifth, urban workers who have completed entrepreneurship training. Sixth, people employed outside of China. Seventh, enterprises that organize the employment of people who meet the loan conditions. It refers to the enterprises approved and registered by the administrative department for industry and commerce and with independent legal personality, holding the legally valid "Business License for Enterprise Legal Person", and having a clear legal representative, in the form of organizing employment to place people who meet the loan conditions into employment and re-employment. The eighth is an enterprise operated by a partnership of persons eligible for loans. It refers to two or more loan-eligible persons who, through voluntary negotiation, set up small enterprises or organizations in the form of partnership, and are approved and registered by the administrative department for industry and commerce, holding a legally valid Business License for Industry and Commerce or Business License for Enterprise Legal Person, with a clear person in charge of the enterprise or legal representative, and the person in charge of the enterprise or legal representative shall be a loan-eligible person. Nine are labor-intensive small enterprises. It refers to the newly added positions, the year the new recruitment of holders of "Re-employment Preferential Certificate" or urban demobilized and rehabilitated veterans reached more than 30% of the total number of employees on board, and signed a labor contract with them for a period of one year or more. Loan amount - increased to 50,000 yuan Micro-guaranteed loans for individuals from the original loan amount of about 20,000 yuan, increased to 50,000 yuan; organized employment or partnership business loan amount from the original number of people in accordance with its placement of employment, per capita 20,000 yuan loan amount to grasp, to 20,000 yuan per capita 50,000 yuan loan amount to grasp. The loan amount for organized employment or partnership enterprises has also been raised from 20,000 yuan per capita according to the number of employed persons placed therein to 20,000 to 50,000 yuan per capita. For those who are eligible for loans to engage in self-employment, the amount of their micro-guaranteed loans is generally around 20,000 yuan, and for business projects with development prospects, good credit, and the ability to repay loans, the loan amount can be appropriately relaxed by consensus between the guarantee institution and the bank handling the project, with the maximum amount not exceeding 50,000 yuan. For enterprises that are eligible for loans for people organizing themselves for employment or operating in partnership, the loan amount may be 20,000 yuan to 50,000 yuan per capita, according to the number of employed people placed therein, upon the consensus between the guarantee institution and the bank handling the project. For labor-intensive small enterprises that meet the loan conditions, the loan amount will be reasonably determined according to the number of persons holding the Re-employment Preferential Certificate and urban demobilized and retired military veterans actually recruited by the enterprise, with a maximum of 1 million yuan. The new policy also expands the interest rate subsidy object of the small guaranteed loans, and expands the objects that can enjoy the interest rate subsidy from the laid-off and unemployed persons of the state-owned enterprises holding the "Re-employment Preferential Certificate" to the laid-off and unemployed persons of the collective enterprises in the cities and towns holding the "Re-employment Preferential Certificate", the demobilized and retired veterans in the cities and towns, the urban and registered unemployed persons, as well as the above people who organize themselves to get employed or run the business in partnership with the enterprises. enterprises. In addition, college graduates who start businesses at the grassroots level below the county level will also be given a partial interest rate subsidy. The new policy has greatly expanded the micro-interest subsidy program to hundreds of items. The original 19 micro-interest subsidy programs have been greatly expanded to make the micro-interest subsidy program more extensive, reaching hundreds of items, and it is expected that more than 80% of the micro-guaranteed loans will be able to enjoy the subsidy policy. Specific can enjoy the subsidized interest object is: 1, holders of "re-employment preferential certificate" of the laid-off unemployed, urban demobilization and rehabilitation of veterans engaged in self-employment as well as organization of employment or partnership business, engaged in micro-profit projects of small secured loans in accordance with the prime rate of interest by the financial fact of the full amount of the subsidized interest rate; 2, other urban registered unemployed engaged in self-employment, as well as organization of employment or partnership business, the small secured loans engaged in micro-profit projects of micro-profit projects. Engaged in micro-secured loans for micro-profit projects, by the Treasury to give 50% of the subsidized interest rate; 3, college graduates to the grassroots level below the county level of entrepreneurship, engaged in micro-secured loans for micro-profit projects, by the Treasury to give 50% of the subsidized interest rate; 4, eligible labor-intensive small business loans, by the Treasury in accordance with the People's Bank of China announced the prime rate of the loan 50% of the interest rate to give the subsidy. Look at the micro-profit interest rate subsidy projects in our province small guaranteed loans can enjoy the interest rate subsidy micro-profit projects are: engaged in agriculture, forestry, animal husbandry and fisheries, transportation and warehousing (excluding air and rail transportation), wholesale and retail trade, accommodation and catering, property management and real estate intermediary services, leasing and business services, the environment and the management of public **** facilities, residential and other services, health and social security and social welfare industry, education and cultural and social welfare industry, the Government of the People's Republic of China, the Government of the People's Republic of China. Social Welfare, Education and Culture and Sports, Textile, Textile Clothing, Footwear and Hat Manufacturing, Leather, Fur, Feather (down) and their products, Agro-food Processing, Food and Beverage Manufacturing, Wood Processing and Wood, Bamboo, Rattan, Palm and Grass Products, Furniture Manufacturing, Paper Products, Printing, Arts, Education and Sporting Goods Manufacturing, Plastic Products, Pharmaceutical Manufacturing, Automobile Parts and Accessories Manufacturing, Vehicle maintenance industry, waste resources and waste materials recycling and processing industry, metal products industry, non-metallic mineral products industry, heat production and supply industry, coal products manufacturing industry, handicrafts and other manufacturing industries, other handmade manufacturing industry, construction and decoration industry, etc. Counter-guarantee conditions - to reduce the new policy will be eligible for micro-secured loans for people engaged in Individual business counter-guarantor, from the original by the party and government organs, the financial full-funded institutions staff, to be expanded by the party and government organs, the financial full-funded institutions staff, or with the profit of the state-owned large and medium-sized enterprises to sign a labor contract of the employees and guarantee institutions and the bank *** with the endorsement of the other organs, organizations, enterprises and public institutions employees. In addition, the new policy makes it clear that for enterprises in which people eligible for loans are organized for employment or partnership, the counter-guarantor may use fixed assets . Answer Supplement In addition, the new policy clarifies that for enterprises organized for employment or operated in partnership by persons eligible for loans, the counter-guarantor may provide counter-guarantees by mortgages of fixed assets (mainly pointing out alienated state-owned land and houses), or by pledges of bonds, certificates of deposits, etc.; it clarifies that persons engaged in self-employment in accordance with the conditions for loans may also provide counter-guarantees by mortgages of assets; it clarifies that persons engaged in employment abroad may be provided with counter-guarantees by the foreign employment intermediaries with standby assets. It has been clarified that the counter-guarantee can be provided by the foreign employment intermediary organization with reserve fund.　The new policy further simplifies the procedures for handling micro-guaranteed loans, reduces the procedures for handling micro-guaranteed loans from 8 to 4, and explicitly requires that the guarantee institutions and banks at all levels should jointly carry out investigations and on-site audits, and implement "one-stop" office and "one-stop" service. One-stop" office and "one-stop" service. Guarantee agencies and banks should give loan applicants an official reply within a week from the date of receipt of the complete application for loans.