The interest of the government discount loan sticker is paid by transfer. According to the inquiry, in 2020, new loans for key enterprises in epidemic prevention and control will be subsidized by the central government at 50% of the refinancing rate of the People's Bank of China on the basis of preferential interest rate credit provided by financial institutions supported by special refinancing of the People's Bank of China, and the discount period will not exceed 1 year. Discount funds will be arranged from the special funds for the development of inclusive finance.

Second, how to pay the interest of government subsidized loans?

Discounted loan refers to the borrower's full repayment of principal or a small part of interest to commercial banks or non-governmental organizations in accordance with the agreement. This way is essentially an encouragement or support for borrowers. The general process for individuals who meet the requirements of small secured loans to apply for loans includes four steps: voluntary application, review and recommendation, commitment to guarantee and loan issuance. The applicant may submit a written application to the human resources and social security department or guarantee institution where the account is located, and submit relevant materials, certificates or relevant certificates.

Review and recommend the guarantee department to conduct qualification review, and the guarantee institution after review. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations. Promise to guarantee. A guarantee institution shall go through the guarantee procedures for qualified applicants in accordance with relevant regulations. The loan applicant who issued the letter of guarantee shall, according to the relevant regulations, sign the contract and issue the loan after being examined and approved by the handling bank. Handling banks refer to various financial institutions that have signed agreements with guarantee institutions.

To apply for government subsidized loans, you must meet the following conditions: 1, a China citizen with full capacity for civil conduct, aged 18-65 years old; 2, good credit (not even three tired six in two years), no violations of law; 3. Other materials required by the local bank, and provide relevant conditions; 5. The local government or local insurance regulatory bureau will carry out relevant credit verification on the borrower, and the lending institution or bank will review the borrower; 7、。

Introduction to financial discount:

First, take advantage of the financial discount to attract a large number of social funds and ensure the needs of national key construction funds. (2) As the financial discount is first used for national key construction projects, it is conducive to adjusting the investment structure and rationalizing the industrial structure. (3) It is conducive to reducing the product cost of enterprises and increasing financial revenue. ④ Interest rate is conducive to establishing a reasonable interest rate system and indirectly regulating production and consumption.

2. Regarding how relevant policies can effectively solve the funding problem of key enterprises of epidemic prevention and control materials, the person in charge said that the cost of funds has dropped significantly. With the joint efforts of finance and finance, and with the support of the special refinancing of the central bank and the interest discount of the central government, the actual financing cost of enterprises will have more motivation and funds to expand production capacity, produce at full capacity, and ensure the production of medical and living materials, and expand to include important raw and auxiliary materials production enterprises, important supporting enterprises, and important medical materials storage and storage enterprises.

Three, how to calculate the national discount subsidy? Do I have to pay income tax?

Yes, the part that belongs to export tax rebate can be exempted from income tax, and the enterprise loan interest subsidy should be incorporated into the taxable income and paid together with the income tax, unless the subsidy is used for special national funds.

4. How do rural commercial banks charge interest on discount loans?

This is the relevant government subsidy. If you need to charge interest, you need to prepare a copy of the approval document for applying for a discount loan at that time and a bank receipt for paying interest in the loan contract.