Loan discount policy refers to the state subsidizing the loans of a certain industry in order to support it. This kind of loan is called a discount loan. Loan discount refers to the small secured loans for low-profit projects that are fully or partially subsidized by financial institutions. The borrower does not pay interest during the loan period, and the maximum discount is no more than two years, and no subsidy will be given during the extension period. Financial discount loans are presided over by the government. The overall purpose is to activate economic vitality and promote economic development. This is a financial subsidy. The state subsidizes some project loans of some enterprises in a certain period of time according to a certain proportion. The advantages of using financial discounts are:

(1) With less financial funds, a large amount of social funds can be attracted to meet 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 cost of products and increasing the profits of enterprises, which is also conducive to increasing fiscal revenue.

④ Implementing different interest rates for different industries is conducive to establishing a reasonable interest rate system and indirectly regulating production and consumption.

Second, what does the discount loan mean?

Discounted loans refer to special loans designated by the state or banks. This is a preferential loan. The loan interest can be fully subsidized or partially subsidized. Adhere to the principle of loan. Discounted loans arranged by the state are subsidized by the central finance and the people's bank; Each specialized bank is responsible for itself.

1, voluntary application. Eligible employment application platforms (some can directly apply to local human resources and social security departments or guarantee institutions), and submit relevant materials and certificates.

2. Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted with funds in accordance with relevant regulations.

3, according to the relevant provisions of the project review of the applicant, to meet the conditions.

4. Issue loans. The loan applicant promised by the guarantee institution shall be examined and approved by the handling bank in accordance with the relevant provisions. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.

3. What is a discount loan?

In order to support a certain industry, the state subsidizes the loans of this industry. This kind of loans is called discount loans. For example, in order to support agriculture (arouse farmers' enthusiasm for production), the state implements low-interest loans for purchasing seeds/fertilizers (in order to ensure the interests of banks, the state makes up for the lack of interest), and such loans obtained by farmers are discount loans.

4. What is a discount loan?

Discount "is the abbreviation of" discount interest ",which refers to the discount interest paid to the bank by the holder who applies to the bank for discount denomination.

Calculation method of discount:

Discount interest = discount amount × discount days × daily discount rate

Daily discount rate = monthly discount rate ÷30

Actual paid amount = face amount-discounted interest

Discounts are divided into housing discounts, loan discounts and deposit discounts.

Housing discount: it is called "personal housing loan policy discount service". When a commercial bank issues a loan, the discount amount is the interest difference between the provident fund loan interest rate and the commercial bank loan interest rate based on the loan amount that can enjoy the discount. This part of the difference is paid to individuals by the housing provident fund management center;

Loan discount: Discounted loan is a commercial personal housing loan issued by the provident fund management center in cooperation with relevant commercial banks. Any borrower who meets the discount conditions of the management center will be given a discount by the management center according to the discount amount that the borrower can apply for and the interest difference between the commercial individual housing loan and the housing provident fund loan;

Deposit discount: Negative deposit interest deducted according to the discount rate. For example, if you have an acceptance bill or time deposit certificate due in three months, you need to use cash now. If you change it into cash, the acceptor will lose interest for three months, so you need to deduct the interest loss from the cash given to you. This deducted interest is a discount on deposits.

Discounting is an act of converting forward currency into cash. For example, if you have an acceptance bill or time deposit certificate due in three months and you need to use cash now, you can change it into cash. However, if the person who accepts it loses interest for three months, then deduct the interest loss from the cash given to you. Then, the negative deposit interest you pay is the negative interest you need to bear when discounting (equivalent to "loan interest", but there is no "loan interest" in interpersonal communication. Discount loan is a policy discount business of personal housing guarantee loan (hereinafter referred to as discount), which refers to the commercial personal housing loan issued by the housing provident fund management center in cooperation with relevant commercial banks. According to the amount of interest subsidy that borrowers can apply for, the center will give interest subsidies to borrowers who meet the requirements of the center. All procedures related to discount interest business are entrusted to commercial banks or their entrusted law firms, and borrowers do not need to apply to the loan center by themselves.