Publisher: Bureau Office Release Date: 2016/216 Source: Visit this website:
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Sub-district offices, town people's governments and loan financial institutions:
In order to give full play to the positive role of business guarantee loans in promoting entrepreneurship, help entrepreneurs to solve financing problems, and actively promote mass entrepreneurship and innovation, according to the spirit of the Notice on Adjusting Relevant Policies on Business Guarantee Loans (No.438+05 [2065] of People's Social Development), combined with the actual situation in our region, the business guarantee loan policies are now adjusted as follows:
1. Adjustment of personnel scope, industry scope, loan amount, functions and responsibilities of towns and villages, etc.
(1) personnel range. Adjust the scope of personnel in the current policy to five categories: registered unemployed people in cities and towns, people with employment difficulties, retired soldiers, college graduates, released prisoners and other registered unemployed people with entrepreneurial will.
(2) Industry scope. Adjust the scope of industries in the current policy to: all industries can enjoy the loan policy except those restricted and eliminated by the state. For specific projects, please refer to the Decision of the National Development and Reform Commission on Amending the Relevant Provisions of the Guidance Catalogue for Industrial Structure Adjustment (20 1 1) (Order No.2 1); Give priority to supporting industries encouraged by the state and key industries developed in Chongqing.
(3) the loan amount
1. Increase the loan amount of individual entrepreneurial projects encouraged by the government (energy conservation and environmental protection, scientific and technological innovation, cultural creativity, and electronic information) and college graduates (college graduates who start businesses within five years after graduation) to 65.438+0.5 million yuan, of which the central government, cities, districts and counties will give discount according to regulations, and the excess will be borne by the district finance;
2. For qualified personnel to operate in partnership and organize employment, the upper limit of the loan amount will be adjusted from 50,000 yuan per person to 654.38+10,000 yuan, and the total loan amount will not exceed 1 10,000 yuan; The upper limit of the loan amount for labor-intensive small enterprises is uniformly adjusted from 50,000 yuan per person to 654.38+10,000 yuan, and the maximum loan amount does not exceed 2 million yuan.
(4) Functions and responsibilities of street towns
Towns and villages undertake policy propaganda, issue planting (breeding) certificates for borrowers with business premises within their jurisdiction, and issue non-minimum guarantee certificates for guarantors, and no longer specifically handle other business of entrepreneurial guarantee loans.
Two. Loan Term and Loan Guarantee Management
(a) encourage entrepreneurship to promote employment, extend the loan period and relax the number of loans. The second loan for an individual with employment of 1:6 is allowed, and the term of the second loan is one year. The lender needs to reapply after paying the principal and interest of the previous loan, and the longest loan shall not exceed two years; Enterprises that newly recruit the above five categories of personnel for employment and sign labor contracts with them for more than one year and pay social security can obtain multiple loans.
(2) Increase the amount of personal security for civil servants, employees in institutions and formal employees in enterprises above the municipal level in the region to 6.5438+0.5 million yuan.
Three, rural household loan personnel employment unemployment registration management
Set up a green channel for employment and unemployment registration of rural household registration loan personnel in the District Employment Bureau, and set up an employment and unemployment registration window to handle employment and unemployment registration for rural household registration loan personnel.
Four, this notice shall be implemented as of the date of issuance. If the previous provisions are inconsistent with this notice, this notice shall prevail. In the later stage, if the state issues a new policy, which involves the relevant provisions of this notice, the new policy shall prevail.