the new policy of micro-credit will expand the target of micro-secured loans from the laid-off workers of state-owned enterprises to the laid-off workers of collective enterprises, demobilized soldiers in cities and towns, graduates of technical schools in colleges and universities, registered unemployed people in cities and towns, urban workers and overseas employees who have completed entrepreneurship training, and enterprises organized by the above-mentioned personnel for employment or partnership. Specific loan targets mainly include the following nine categories: First, those who hold the Re-employment Concession Card. Refers to the laid-off workers of state-owned enterprises who hold the Re-employment Concession Certificate issued by the labor and social security department, those who need to be resettled after the closure and bankruptcy of state-owned enterprises, laid-off workers of collective enterprises and other registered unemployed people in cities and towns who enjoy the minimum living guarantee for urban residents and have been unemployed for more than one year. Second, demobilized soldiers in cities and towns. The third is college graduates. Fourth, registered unemployed people in cities and towns. Fifth, urban workers who have graduated from entrepreneurship training. Sixth, overseas employees. Seventh, enterprises where people who meet the loan conditions are organized for employment. It refers to an enterprise that has been approved and registered by the administrative department for industry and commerce and has the qualification of an independent legal person, holds a valid Business License for Enterprise as a Legal Person and has a clear legal representative. Eight is an enterprise run by people who meet the loan conditions in partnership. It refers to a small enterprise or organization established by two or more people who meet the loan conditions through voluntary negotiation in the form of partnership operation, and approved and registered by the administrative department for industry and commerce, holding a legal and effective Business License for Industry and Commerce or Business License for Enterprise as a Legal Person, and having a clear person in charge or legal representative of the enterprise, whose person in charge or legal representative should be a person who meets the loan conditions. Nine is labor-intensive small enterprises. Refers to the newly added positions, when the newly recruited personnel holding the Re-employment Concession Card or demobilized soldiers in cities and towns reached more than 3% of the total number of employees, and signed labor contracts with them for more than one year. Loan amount-increase to 5, yuan. The loan amount of small secured loans to individuals will be increased from about 2, yuan to 5, yuan. The loan quota for organized enterprises engaged in employment or partnership has also been increased from 2, yuan per capita to 2, to 5, yuan per capita. For those who meet the loan conditions to engage in self-employed, the amount of small secured loans is generally around 2, yuan. For business projects with development prospects, good credit and repayment ability, the loan amount can be appropriately relaxed by consensus between the guarantee institution and the handling bank, with a maximum of 5, yuan. Enterprises that meet the loan conditions are organized for employment or partnership operation. According to the number of employed persons, with the consent of the guarantee institution and the handling bank, the loan amount can be controlled at 2, yuan to 5, yuan per capita. For labor-intensive small enterprises that meet the loan conditions, the loan amount shall be reasonably determined according to the actual number of people holding the Re-employment Concession Card and the number of demobilized soldiers in cities and towns, with a maximum of 1 million yuan. The new policy of subsidizing college students' starting businesses at the grass-roots level has also expanded the target of subsidizing small-sum secured loans, and expanded the target of subsidizing from the laid-off and unemployed people of state-owned enterprises who originally held the Re-employment Concession Card to the laid-off and unemployed people of urban collective enterprises who held the Re-employment Concession Card, demobilized soldiers in cities and towns, registered unemployed people in cities and towns, and enterprises in which the above-mentioned people organized for employment or partnership. In addition, some discounts are also given to college graduates who start businesses at the grassroots level below the county level. The low-profit interest subsidy project has been expanded to hundreds of new policies, and the original 19 low-profit interest subsidy projects have been greatly expanded, making the projects enjoying low-profit interest subsidy more extensive, reaching hundreds. It is estimated that more than 8% of small secured loans can enjoy the interest subsidy policy. The specific objects that can enjoy the discount interest are: 1. For laid-off and unemployed people who hold the Re-employment Concession Card, demobilized soldiers in cities and towns who are engaged in self-employment and organized for employment or partnership enterprises, the small secured loans for low-profit projects are fully subsidized by the financial facts according to the benchmark interest rate; 2, for other urban registered unemployed people engaged in self-employment and organized employment or partnership enterprises, engaged in low-profit projects of small secured loans, by the finance to give 5% discount; 3, college graduates to start a business at the grass-roots level below the county level, engaged in low-profit projects of small secured loans, by the financial discount of 5%; 4, to meet the conditions of labor-intensive small business loans, by the finance in accordance with the benchmark interest rate of loans published by the People's Bank of China 5% discount. Look at the low-profit discount projects. What low-profit projects in our province can enjoy discount with small secured loans are: agriculture, forestry, animal husbandry and fishery, transportation and warehousing (excluding aviation and railway transportation), wholesale and retail, accommodation and catering, property management and real estate intermediary services, leasing and business services, environment and public facilities management, residents' services and other services, health and social security and social welfare, education and culture and sports, textiles, Textile, clothing, shoes and hats manufacturing industry, leather, fur, feathers (velvet) and its products industry, agricultural and sideline food processing industry, food and beverage manufacturing industry, wood processing and wood, bamboo, rattan, brown and grass products industry, furniture manufacturing industry, paper products industry, printing industry, cultural and educational sporting goods manufacturing industry, plastic products industry, pharmaceutical manufacturing industry, automobile parts and accessories manufacturing industry, vehicle maintenance industry, waste resources and waste materials recycling and processing industry, metal products industry, etc. Anti-guarantee conditions in heat production and supply industry, coal products manufacturing industry, handicrafts and other manufacturing industries, building decoration industry, etc.-The new policy will reduce the number of counter-guarantors who meet the requirements of small-sum secured loans from the original staff of institutions fully funded by the party and government organs and finance to the staff of institutions fully funded by the party and government organs and finance, or employees who sign labor contracts with profitable large and medium-sized state-owned enterprises, guarantee institutions and handling banks. In addition, the new policy defines the enterprises that meet the loan conditions to organize for employment or partnership, and the counter-guarantor can use fixed assets. In addition, the new policy defines the enterprises that meet the loan conditions to organize for employment or partnership, and the counter-guarantor can provide counter-guarantee with fixed assets (mainly referring to letting state-owned land and houses) as collateral, or with bonds, certificates of deposit and other pledges; It is clear that people who meet the loan conditions can also provide counter-guarantee with mortgaged assets if they engage in self-employment; It is clear that overseas employees can be provided with counter-guarantee by overseas employment intermediaries with reserve funds. The new policy further simplifies the procedures for handling small-sum secured loans, reducing the procedures for handling small-sum secured loans from eight to four, and clearly requires that guarantee institutions at all levels and handling banks should jointly conduct investigations and on-site audits, and implement "one-stop" office and "one-stop" service. The guarantee institution and the handling bank shall give a formal reply to the loan applicant within one week respectively from the date of receiving the loan application materials.