Legal analysis: (1) Interest rate requirements for discount loans. At the end of each year, the local financial supervision bureau of the autonomous region calculates the upper limit of the interest rate of discount loans according to the weighted average interest rate of loans of various financial institutions, enterprises and maturities provided by Nanning Central Branch of the People's Bank of China. The loan interest rate actually obtained by the enterprise shall not be higher than the upper limit of the corresponding loan institution type, enterprise type and term type. There is no upper limit on the interest rates of "first loan" and "credit loan", and financial institutions will set their own prices according to the principle of guaranteeing capital and making small profits. The maximum annual interest rate of interest-subsidized loans shall be notified separately by the local financial supervision bureau of the autonomous region. (2) Requirements on the types of discount loans. The types of loans that can apply for discount are working capital loans, fixed assets loans, personal business loans, supply chain loans, financial leasing and so on. , but does not include syndicated loans in different places, bill discount (cash discount), entrusted loans, foreign exchange loans, M&A loans, corporate account overdrafts, etc. (3) Requirements for granting discount loans. Loans applying for discount must be new loans issued by financial institutions in the current year, including new loans, recovered loans and non-repayable loans, but excluding extended loans. (4) Requirements on the quantity of discount loans. Each enterprise shall apply for no more than 3 discount loans each year. A single enterprise refers to a single independent legal entity (the same below), and 1 discount loans can only correspond to 1 IOUs. (5) The amount and duration of discount. The accumulated amount of interest subsidy applied by each enterprise every year is no more than 6,543.8+0,000 yuan (the enterprises that have obtained "three-enterprise loan into Guangxi" and "channel loan" are no more than 5 million yuan), and the period of applying for interest subsidy each time is no more than 654.38+0 years (the loan period can exceed 654.38+0 years). (6) Management requirements for discount loans. Before issuing discount loans, financial institutions should log on to the service platform to inquire about the issuance of discount loans for enterprises, and apply for the loan amount (loan number) within the remaining available discount loan amount (loan number) of enterprises. After the application is approved, the service platform will lock the enterprise discount loan amount (the number of loans) within the validity period of 7 days (the validity period can be adjusted according to the actual situation in the autonomous region) until the financial institution issues the loan and completes the loan information entry. If the financial institution fails to complete the loan in time within the lock-up period, the service platform will automatically unlock the enterprise discount loan quota (number of loans), and the financial institution needs to apply for quota lock-up again when lending to ensure that the number of discount loans and the discount amount actually enjoyed by the enterprise do not exceed the policy limit. If the borrower is a small and micro enterprise owner, individual industrial and commercial business operator or other natural person, the number and amount of discount loans shall be calculated based on the corresponding enterprises and individual industrial and commercial households.

Legal basis: general rules of loans

Article 2 The term "lender" as mentioned in these General Rules refers to a legally established Chinese-funded financial institution engaged in loan business in China. The borrower mentioned in these General Rules refers to legal persons, other economic organizations, individual industrial and commercial households and natural persons who have obtained loans from Chinese-funded financial institutions engaged in loan business. The term "loan" as mentioned in these General Rules refers to the monetary funds provided by the lender to the borrower and repaid the principal and interest at the agreed interest rate and time limit. The loan currencies in these General Rules include RMB and foreign currency.

Article 3 The issuance and use of loans shall comply with national laws, administrative regulations and management regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.

Article 4 Lending activities of borrowers and lenders shall follow the principles of equality, voluntariness, fairness, honesty and credibility.

Article 5 Lenders shall follow the principles of fair competition and close cooperation when conducting loan business, and shall not engage in unfair competition.

Article 21 A lender must be approved by the People's Bank of China to operate the loan business, hold the License for Legal Person of Financial Institution or the Business License of Financial Institution issued by the People's Bank of China, and be approved and registered by the administrative department for industry and commerce.