The new preferential tax policy for laid-off workers engaged in self-employment has adjusted and enriched the original policy. The preferential tax policies for laid-off workers engaged in self-employment shall be reduced or exempted within the prescribed limit (8,000 yuan per person per year) in the order of business tax, urban maintenance and construction tax, education surcharge and personal income tax; The tax incentives for enterprises to absorb laid-off workers are adjusted from proportional reduction to the actual number of employees (4,000 yuan per person per year, up and down by 20%). Adjust the way of vocational training subsidies, and change free training into one-time training subsidies; Increased the social insurance subsidy policy for the "4050" personnel who hold the "Re-employment Concession Card"; Increased the amount of small secured loans. For laid-off workers who are self-employed, self-employed, in partnership or organized for employment, the amount of small secured loans is relaxed from the original 20,000 yuan/person to 30,000 yuan/person for self-employment or 50,000 yuan/person for partnership or organized employment. Small labor-intensive enterprises, the number of laid-off workers is less than 30,000 yuan per person, and the number of 10 employees is less than 40,000 yuan per person. We will continue to provide special assistance to people with special employment difficulties. The implementation method retains the previous policy of reducing or exempting some medical expenses for the poor and giving medical assistance for major diseases, and the policy of reducing or exempting some expenses for their children to go to school. Unemployed persons who engage in self-employment with re-employment concession cards (except for industries restricted by the state) shall be exempted from business tax, urban maintenance and construction tax, education surcharge and personal income tax within the prescribed limits within 3 years (no longer than 3 years); Exempt from registration, licensing, management and other administrative fees (up to 3 years); Self-employed individuals who have insufficient self-raised funds may apply for a small secured loan of less than 30,000 yuan (the longest term is no more than 2 years, and if it is really necessary to extend it at maturity, it may be extended/kloc-0 times); If the self-raised funds of the partnership enterprise or organization for employment are insufficient, small secured loans can be provided according to the loan amount of less than 50 thousand yuan per person; Self-employed, partnership or organized employment, using small loans to engage in various low-profit projects, according to the facts, give full discount (no discount during the exhibition period). College graduates can enjoy the support of retired soldiers, and registered unemployed people in other towns, including all kinds of college graduates and demobilized veterans, can also enjoy corresponding policy support.

Second, entrepreneurial loans for the unemployed?

This year, many individuals and enterprises have been hit by the epidemic and are facing great difficulties. Many banks and financial institutions have introduced various preferential policies to encourage them to start businesses and help them find jobs. Today, let's introduce the venture loan and employment loan of Jinzhou Bank and see how to apply. 1. Jinzhou bank entrepreneurship unemployment loan? Jinzhou Bank has set up more than 10 branches in Liaoning Province, including investment and wealth management, deposits, bonds, interbank lending and credit business. This year has also provided great help to the epidemic, and eligible users can apply for appropriate loans. ? 1, small secured loans for laid-off workers. The product is subsidized by the government, and the guarantee institution provides guarantee in the form of guarantee fund, which can be handled by laid-off workers. Suitable for people under 60. The funds can be used for employment, self-employment or partnership, with a maximum amount of 20,000 yuan and a maximum period of 2 years. ? 2. Women's entrepreneurship and employment loans. Women's employment has always been the key support object of the state. This product is suitable for starting a business or re-employment, and needs women introduced by women's federations at or above the county level. The maximum loan amount is 80,000 yuan, the term is 2 years, and the guarantee institution at the same level as the importing department is needed. 2. What are the application conditions for entrepreneurial unemployment loans? ? 1. Small secured loans for laid-off workers? Need to apply for a "re-employment concession card", under the age of 60, need to have certain labor skills, good personal credit, and have certain self-raised funds. If not, you can apply for a small secured loan from the bank. ? 2. Female entrepreneurship and employment loans? The sum of the borrower's age and the loan term shall not exceed 60, and the self-raised funds shall not be less than 30%. The borrower must have an urban hukou and a good credit record. The project has been on the right track to form part of the income, and the future development is expected to ensure a stable income.

3. What are the advantages of laid-off workers applying for company loans from banks?

Anyone who holds a re-employment concession card within the legal working age, retired soldiers in cities and towns, college graduates who have registered for unemployment, and other registered unemployed people in cities and towns are engaged in self-employment or partnership, organized for employment, and their self-raised funds are insufficient and meet the relevant conditions, they can apply for a small secured loan with a re-employment concession card, a valid certificate for retired soldiers and an unemployment certificate respectively. The loan amount does not exceed 20,000 yuan, and the longest loan period does not exceed 2 years. If extension is really necessary, it can be extended 1 time. For partnership and organized employment, the loan scale can be expanded according to the number of people and business projects. Those who use the above two types of loans to engage in low-profit projects will enjoy full financial discount in accordance with relevant regulations, and no discount will be granted during the exhibition period. The process of handling small secured loans is: 1. When a natural person applies for a loan from the community where he/she is registered, he/she needs to prepare the following application materials: (1) A written loan application; (2) Copy of ID card, re-employment concession card and business license; (3) Proof or explanation of free capital; (4) Other information required by the lending bank. 2. When an enterprise as a legal person applies for a loan from the county employment service administration where the enterprise is located, it shall prepare the following application materials: (1) written loan application, articles of association and partnership agreement; (2) A copy of the re-employment concession card, business license and organization code certificate; (3) Proof or explanation of its own funds; (4) Other materials required by the lending bank.

Four, the measures for the implementation of small secured loans for laid-off workers in Henan Province

In Henan province, laid-off and unemployed workers are guaranteed small loans. According to the spirit of the Notice of the People's Bank of China, the Ministry of Finance, the State Economic and Trade Commission and the Ministry of Labor and Social Security on Printing and Distributing Small Loans for Laid-off Workers (Yinfa [2003] No.27), combined with the actual situation in our province, these measures are formulated. The loan object and conditions (1) are laid-off and unemployed people in cities and towns who are healthy, honest and trustworthy, self-employed, self-employed, engaged in self-employment and have obtained re-employment concession cards. (2) Enterprises that meet the requirements of the above-mentioned organizations and whose employees account for more than 30% of the total number of employees. (2) loan amount. Laid-off workers are self-employed; The standard of enterprise loan amount is10.5 million yuan per laid-off worker. (2) loan term. Generally, the loan term does not exceed two years. If it is really necessary to continue the loan due to the development of production, an application for loan extension should be submitted to the guarantee institution 65,438+0 months in advance, which will be reviewed by the guarantee institution in time, and relevant procedures will be handled with the loan bank and the lender respectively. The loan bank can be 65,438+0 years according to the regulations. (3) loan guarantee institutions. Lending banks and loan guarantee institutions (1). The institutions set up by the provincial and municipal labor and social security departments are responsible for organizing the implementation of small-sum secured loans for laid-off workers, and the guarantee institutions shall be registered as legal persons locally. Counties (cities) can set up joint insurance business according to the needs of work. The staffing of the guarantee institution shall be arranged by the local government as a whole and fully allocated by the finance. The funds needed for its work (including audit confirmation, project evaluation and special funds) are provided by the finance at the same level, and the funds needed for entrepreneurship training are paid from the re-employment funds. The guarantee institution shall not charge any fees to the lender. Guarantee institutions and commercial banks undertaking small-sum secured loans shall apply to commercial banks or municipal guarantee institutions for 20% of the loan amount according to the loan amount determined by the audit. Transfer the guarantee money to the designated account of the undertaking commercial bank or urban and rural credit cooperatives. After the guarantee fund arrives at the household, it will provide the required loans to the guarantee institutions according to the ratio of 1:5, and repay the loan principal and interest to the lending institutions that undertake commercial banks or urban and rural credit cooperatives to pay the national discount in full according to the loan agreement. The guarantee funds arranged by the municipal finance under the jurisdiction of the province shall be allocated to the special account of the guarantee institution in time according to the loan amount and calculation, and shall be allocated to the loan bank or urban and rural credit cooperatives by the guarantee institution. The guarantee fund required by the laid-off workers of provincial enterprises shall be borne by the provincial finance. Half of the losses of small secured loans shall be borne by the provinces and municipalities respectively. (2) The low-profit projects of small secured loans shall be determined by the guarantee institutions. Guarantee institutions shall calculate and summarize the discount amount of loans for meager profit projects on a quarterly basis, and after being signed by the labor and social security department at the same level, the financial department shall submit it to the Office of the Financial Ombudsman of the Ministry of Finance in Henan Province, and the financial department shall allocate it according to the audit opinions of the Office of the Commissioner. Pay discount interest funds to guarantee institutions in time. There is no discount for extended loans. V. Loan application and review procedures (1) Voluntary application. Laid-off workers or enterprises submit a written application to the local community labor security workstation, fill in the application form for small secured loans, and submit relevant materials and certificates. Among them, individuals need to submit their identity cards, re-employment offers, project reports and other materials required by guarantee institutions; Enterprises need to submit business license, tax registration certificate, ID card of legal representative, proof of laid-off workers' proportion, concession card for absorbing laid-off workers' re-employment, project feasibility study report and other materials required by guarantee institutions. (2) After receiving the loan application, the community will conduct a preliminary examination on the applicant's qualification, credit status, project market prospect and individual entrepreneurial ability. The results of the preliminary examination shall be reported to the county and district labor and social security departments after posting. (3) the county, district labor and social security department audit. The district labor and social security department shall review and summarize the preliminary opinions reported by the street labor and social security office, and report the audit results to the municipal guarantee center. (4) examination and approval of guarantee institutions. After receiving the materials submitted by the county and district labor and social security departments, the guarantee institution shall make the final determination. Determine the object and amount of loans. The employment service agencies of the labor and social security departments at all levels should provide entrepreneurship training and business guidance for laid-off workers who have confirmed loans, as well as policy support and guidance after opening. Intransitive verb loan issuance and recovery (1) loan issuance. Guarantee institutions, street labor security offices and community labor security workstations shall assist loan banks and borrowers to handle relevant loan procedures within the unified loan repayment quota of guarantee institutions. (2) Loan recovery. Guarantee institutions are responsible for the recovery of small secured loans, relying on labor and social security institutions at all levels to establish a recovery mechanism. Street and community labor and social security institutions should actively cooperate with the guarantee institutions to recover the borrower within their jurisdiction. For borrowers whose loans are about to expire, prompt repayment in time. Borrowers who maliciously default on loans should be publicized in their communities, notified to relevant departments, disqualified from enjoying support policies, and the loans should be recovered through various effective means. Seven. Service and Supervision (1) Establish and improve the entrepreneurial service mechanism, improve the success rate of entrepreneurship, set up expert consultation institutions, establish entrepreneurial project libraries, strengthen entrepreneurial guidance, establish a tracking service system, and help implement relevant support policies. Provide follow-up services and support to improve the entrepreneurial ability and success rate of laid-off workers and reduce the loan risk. (2) Strictly review the issuance procedures and financial supervision system. Strictly follow the loan issuance procedures and do a good job in qualification examination, credit evaluation and project evaluation. Establish and strictly implement the borrower's financial supervision system, regularly check the borrower's operating and financial conditions, and timely discover and control risks. These Measures shall apply to the small-sum secured discount loans stipulated by the state. The loan measures for discount interest projects shall be implemented in accordance with the relevant provisions of Document No.84 of Jinan Branch of China People's Bank, Henan Provincial Department of Finance, Henan Provincial Economic and Trade Commission and Henan Provincial Department of Labor and Social Security. Municipalities under the jurisdiction of all provinces shall, in accordance with the spirit of these measures, formulate detailed rules for implementation and report them to the Provincial Department of Labor and Social Affairs, Jinan Branch of the People's Bank of China, Provincial Department of Finance and Henan Banking Regulatory Bureau for the record.