The threshold for starting a business in Nanjing has been getting lower and lower, and there are more and more benefits-what are you waiting for people who don't want to live a mediocre life?
I. Project Articles
Choose a good project before starting a business.
It should be the "fragrant cake" that everyone is vying for, but not many people really "eat". In 2002, the Nanjing Federation of Trade Unions' Assistance Center for Poor Workers was the first to launch a small secured business start-up loan of12 million. Up to now, only 4110.9 million yuan has been lent, and 2/3 of the loans have no one to lend. Although the center has received more than 4,000 consultations and applications, the actual number of lenders is less than 200.
Why is this happening?
It turns out that most applicants can't come up with mature entrepreneurial projects.
The reporter from the Municipal Federation of Trade Unions learned that the loan applications submitted by the guarantee center to banks are all business plans or loan project books that have been demonstrated by entrepreneurial guidance experts or loan guarantee recommendation agencies. A mature business plan should include many contents, such as a definite operator and business place, and a mature business project with market research, including the market potential, profit cycle and business environment of this project. However, these contents are not seen in the "original" plans submitted by most applicants.
It is understood that the government has done a lot of work in supporting laid-off workers to start their own businesses. For example, there is no need to pay the handling fee for applying for small loans for starting businesses. If it is a real estate mortgage, you only need to pay the 40 yuan fee and the 5 yuan form fee (the normal handling fees for real estate mortgage are more than 2,000 yuan). However, from the current applicants, most of them know nothing about entrepreneurial projects, and there are many people lying at home waiting for projects. In order to improve the success rate of entrepreneurship, the guarantee center has set up an expert consulting team for entrepreneurship guidance, and invited "second-time entrepreneurial stars" to present their opinions for laid-off workers. If you want to start a business and meet the loan application conditions, you can get "special care" from the experts of the expert guidance group as long as you apply.
In addition, the Municipal Federation of Trade Unions has contacted Taihe Law Firm, and it is estimated that laid-off workers who apply for small loans to start businesses in the first half of this year will enjoy free legal services. A good entrepreneurial project is the premise of successful entrepreneurship. The person in charge of the center suggested that interested entrepreneurs should read more relevant websites, pay more attention to successful practices around them, consult relevant departments, and carefully choose entrepreneurial projects that suit them.
1, entrepreneurial projects and counter-guarantee conditions are relaxed.
What if you want to start a business but have no funds?
The reporter learned from the city's small loan guarantee center for laid-off workers' entrepreneurship that in the past two years, the center has issued nearly 2 million yuan in loans, helping nearly 1000 people embark on the road of entrepreneurship and employment. This year, the guarantee center will increase the loan amount and lower the threshold.
Considering that most of the laid-off workers have limited income, the guarantee center will identify expensive items for pledge guarantee free of charge. At the same time, the "green channel" of real estate mortgage guarantee in six urban areas of the city and two suburbs of Jiangning and Pukou has been cleared, and small-scale entrepreneurial loan personnel do not accept a penny when doing real estate mortgage. In the past, only the old industries such as catering, clothing sales, food production, old-age care and medical equipment industry could lend, but now some new entrepreneurial projects such as planting and breeding are also included in the scope of lending. The conditions for counter-guarantee have also been relaxed. In addition to the original provision that civil servants and staff of institutions with stable income can provide guarantees, individual bosses with good economic benefits and a certain scale of operation and white-collar workers with stable income can also provide counter-guarantees.
2, laid-off workers can borrow up to 50 thousand yuan.
As long as they are laid-off workers in Nanjing, have permanent residence in Nanjing, are under 60 years old, have certain labor skills and are interested in starting a business, they can apply for small loans at the guarantee center.
It is understood that the guarantee center cooperates with Hongwu Sub-branch of Nanjing Commercial Bank, and the government specially provides 3 million yuan of funds, and the bank then issues loans according to the ratio of 1:4. In the loans that have been issued, the amount of individual applications is generally 20,000-30,000 yuan. This year, the loan amount will be appropriately increased, with a maximum loan of 50,000 yuan. In addition, if laid-off workers form an entrepreneurial team to form a joint-stock enterprise or a partnership, the maximum loan can be 300,000 yuan. At the same time, the guarantee center also put forward a new policy of "three priorities and two enlargements" for loans: "second venture base" loans are given priority, job creation is given priority, and good integrity is given priority; Enlarge the loan amount and scope (not only in the main city, but also in all suburbs of Nanjing).
3. Applying for a loan is divided into three steps.
The first step is for the applicant to consult with the guarantee center. The applicant holds the ID card, re-employment concession card and other relevant documents, and writes a "Report on Loan Application for Entrepreneurship Plan", detailing the borrower's natural conditions, self-employed business projects and current market operation analysis, loan purpose and loan amount, profit forecast and repayment plan. At the same time, it is also necessary to fill in the "Application for Small Guaranteed Loan for Personal Entrepreneurship" and "Counter-guarantee Contract" provided by the guarantee center.
The third step is bank loan. The loan application that has been approved shall be reported to the bank by the guarantee center, and the bank shall sign a guarantee contract with the guarantee center and issue loans. The guarantee center's commitment is to let the applicant get the loan within 15 days after the application materials are delivered. But not all loan applications can be satisfied. To get a loan, you must have a mature project and ensure legal operation.
For some collective loan projects of joint-stock and partnership business households, the assistance center for needy employees has also launched on-site office services, and the staff of the credit department of the contract bank bring application forms, loan contracts and other materials to the door to handle the loan application for customers.
4, 19 kinds of entrepreneurial projects can be discounted.
The repayment period of small loans is one year, and the interest rate is determined according to the loan interest rate level published by the People's Bank of China, and shall not float upward. In order to encourage entrepreneurship, the municipal government has subsidized 19 low-profit industries. These 19 industries are: cottage industry, repair and repair, book lending, hotel service, catering service, dyeing and sewing, photocopying and typing, haircut, small dining table, canteen, moving, hourly service, household cleaning and sanitation service, primary health care service, infant care and education service, education and training service for disabled children, old-age service, patient care, and transportation for children and students.
III. Registration Articles
1, it is no longer difficult to start a business with industry and commerce.
In 2004, Nanjing was called the "Year of Entrepreneurship" by the media. The relevant departments of provinces and cities issued a series of favorable policies for entrepreneurship. Through the innovation and simplification of registration capital verification, name approval, pre-approval and registration review, Nanjing was at the forefront of the national entrepreneurship policy reform.
Last year, Nanjing Industrial and Commercial Bureau issued the Notice on Further Relaxing Market Access Conditions, which is divided into 8 categories and 23 articles, relaxing market access restrictions and encouraging investment and entrepreneurship. On March 1 2004, the Nanjing Municipal Government forwarded the Opinions of the Municipal Administration for Industry and Commerce on Further Relaxing Market Access, Encouraging Entrepreneurship and Promoting Enrichment of the People. The introduction of this opinion will activate private capital to the maximum extent and drive a new round of entrepreneurial upsurge in Nanjing. Ten new measures of "encouraging entrepreneurship and enriching the people" listed in the Opinions were implemented on March 10. It is reported that this 10 measure has relaxed the market access conditions in many aspects and fully liberalized the space for enterprises to operate independently, so as to promote the accelerated development of the individual and private economy and further release the potential of private investment. The strength of reform and innovation is at the forefront of similar cities in China.
The reporter learned from the relevant departments that the ten new policies are a major breakthrough in the previous policies, and each one has real appeal to entrepreneurs, so that Nanjing citizens can realize their boss dreams with the least money and the simplest procedures.
There are strict rules for starting a company and running an enterprise, and the highest threshold is more than 30 million yuan. In the new policy, the registered capital of all kinds of enterprises has been greatly adjusted. Venture Capital Co., Ltd. used to require a registered capital of more than 30 million yuan, but now it only needs more than10 million yuan; Venture Capital Co., Ltd., the registered capital used to be more than 50 million yuan, but now it is relaxed to more than 30 million yuan; The registered capital of venture capital management companies has also dropped to1000000 yuan.
3. Registered capital can be put in place in batches.
Preparing registered capital is the primary task of setting up a company. According to the Company Law, the minimum registered capital for establishing corporate service enterprises is100000 yuan, for retail enterprises, it is 300000 yuan, and for production and wholesale enterprises, it is 500000 yuan, and all of them must be in place before they can operate. Registered capital of less than 500 thousand yuan can be put in place by stages. This provision has become an insurmountable threshold for most self-made entrepreneurs, especially laid-off workers. The new policy relaxes the first step of enterprise establishment to the maximum extent: when the enterprise is established, investors only need to pay the minimum registered capital stipulated by the state, and the rest can be promised to be paid in one lump sum or in two installments within three years. This move is to reduce the amount of registered capital in disguise, so that investors have more funds to invest in their operations and create greater benefits for enterprises.
4. New Deal capital verification can be handled in the bank.
Once upon a time, enterprise capital verification was the biggest headache for entrepreneurs. When an enterprise is registered, it must submit a capital verification certificate issued by a statutory capital verification institution with capital verification qualification before it can apply for a business license. Therefore, investors should find an intermediary agency with capital verification qualification to apply for capital verification, pay the money and wait for the formalities to be completed. The new policy stipulates that investors only need to open a "special account for registered capital of enterprises" in a bank with a "special account for registered capital" and deposit the registered capital in currency. The administrative department for industry and commerce can confirm it according to the capital certificate issued by the bank. This alone saved each investor 500 yuan in handling fees and 5 days, and saved 8 million to10 million in costs for newly-established enterprises throughout the year.
5. The name and scope of business shall be fully liberalized.
Want to open a restaurant? As long as the name is not the same as others, you can do whatever you want now.
In the past, the legal time for name registration was 5 working days. Now, applicants can apply for name pre-approval on the spot as long as they fill in the Application Form with their identity certificate. In addition, the new policy has relaxed the restrictions on the names of investors and enterprises. That is, in addition to those who are prohibited by laws and regulations from investing in enterprises, employees on the job can also contribute to become shareholders of non-foreign-funded enterprises. If an enterprise uses an original brand name and its registered capital is above10 million, its name may not reflect the characteristics of the industry. For example, a textile enterprise may be directly registered as "Great Wall Company" or "Yellow River Company" and so on.
The business scope has also been relaxed. Where there is no prohibition or restriction by the state, enterprises can choose their own business scope according to their own conditions, and the business scope of enterprises is approved by the industrial and commercial departments according to the articles of association.
When investing in a business, it is often that everything has a license, and it is by no means news that some enterprises have to wait for a business license for a year or so. Zhu Youfa, director of the Nanjing Municipal Administration for Industry and Commerce, said that in the past, the application materials for enterprise establishment registration were strictly reviewed, so it took a long time. After the introduction of the new policy, the enterprise preparatory registration system will be implemented to encourage unemployed people to apply for enterprises. For enterprises that do not have the conditions in the process of applying for the establishment of non-corporate enterprises, but can be improved within one year, they can first issue business licenses, affix the seal of "preparatory enterprises" on their licenses, and implement "preparatory management". The pre-approval of public security, health, environmental protection and other departments can be accepted by the industrial and commercial departments and then go online for your parallel approval.
7. Production enterprises "start small stoves"
In the past, the proof of business premises must be the ownership certificate and lease agreement issued by the housing and land management department. After the implementation of the new regulations, if the production premises cannot be solved at the time of establishment registration of production-oriented private enterprises, they are allowed to register at the registered premises first, and a business license valid for one year is issued, and the enterprises will implement the production premises and go through the corresponding procedures within one year. When relaxing the requirements for the registration materials of the main residence of the market and going through the registration formalities, except for the ownership certificate issued by the housing and land management department, if there is no lease procedure, the certificate issued by the local government or its dispatched institution agreeing to use the place for business operation can be regarded as the proof of the enterprise residence (business premises) and the business premises of individual industrial and commercial households.
8. Farmers do not need to register for business in cities.
After the implementation of the new regulations, the original unlicensed urban mobile vendors no longer have to hide and fight "guerrilla warfare" with the industrial and commercial departments. The new regulations relaxed the registration requirements for rural self-employed workers. In the past, the requirements for the registration of small business hawkers in rural areas were unclear. This time, it is clearly stipulated that mobile small business hawkers in rural areas who are legally operating and mobile vendors such as farmers selling their own agricultural and sideline products in cities will no longer be registered. Using the contract management function, we will vigorously develop brokers and intermediary organizations, and implement free training and certification for agricultural and sideline products brokers. At the same time, the person in charge of the industrial and commercial department said that in the future, small business hawkers will no longer be investigated and dealt with without a license, and farmers can confidently go to the city to sell agricultural and sideline products.
9. A joint venture company may be established by individuals.
Want to set up a joint venture with foreign investors as a natural person? It was impossible before, but now it is possible.
Before the promulgation of the Opinions, the industrial and commercial departments only allowed corporate legal persons, public institutions, sole proprietorship enterprises and partnership enterprises as Chinese investors to invest in Sino-foreign joint ventures and Sino-foreign cooperative ventures according to relevant policies. Under the new regulations, with the consent of the municipal government, Nanjing has taken the lead in relaxing the conditions for joint ventures and cooperation between citizens and foreign investors nationwide. Except for the personnel stipulated by laws and regulations, China citizens (including on-the-job personnel) can set up joint ventures and cooperative enterprises with overseas economic organizations or individuals.
10, encourage "knowledge" to invest in shares.
1 1, graduates' entrepreneurial road is no longer bumpy.
Nanjing is a famous historical and cultural city in China, and its position as the political center of the ten dynasties' ancient capital has resulted in the mentality that Nanjing people value officials but despise business, and a large number of state-owned enterprises have also restrained the growth of the non-public economy to a certain extent, and Nanjing youth generally have the mentality of seeking stability and not seeking change. With the increasingly severe employment forms of college graduates, the relevant departments began to encourage young people to start their own businesses and support college graduates to engage in self-employment. Except for industries restricted by the state, the registration fee for individual industrial and commercial households, the management fee for individual industrial and commercial households, the management fee for bazaars, the verification fee for economic contracts, and the production fee for demonstration texts of economic contracts are exempted within 1 year.
Nowadays, the streets of Nanjing are full of the shadow of private capital. The introduction of the new policy is undoubtedly another masterpiece of Nanjing's road to enriching the people, and entrepreneurs' hopes need not be ended by cumbersome procedures. The relaxation of private capital in the market will make a steady stream of huge private capital flow to the market unimpeded and create greater social wealth.
Fourth, preferential articles
1 There are three types of preferential tax policies.
It is understood that by the end of September 2003, nearly 2 million laid-off workers in China had enjoyed preferential tax policies, and the accumulated tax relief was about 3.5 billion yuan. This year, China will continue to implement the corresponding preferential tax policies.
At present, the system of preferential tax policies for re-employment can be mainly summarized into three categories: first, preferential tax policies to encourage and support laid-off workers to find jobs and start their own businesses; Second, tax incentives to encourage enterprises to actively absorb laid-off workers; The third is the preferential tax policy to encourage large and medium-sized state-owned enterprises to separate the main and auxiliary to resettle surplus personnel. After the introduction of the new re-employment policy, the old policy is still valid. Enterprises can choose the most favorable policies according to their own actual conditions, but they can't implement them cumulatively. These preferential policies will be implemented from 1 month 1 day, 2003, and other policies will be valid for 3 years, except for the value-added tax and business tax policies.
2. Self-employment and self-employment of laid-off workers can be reduced or exempted. Laid-off workers are engaged in self-employment. Except for industries restricted by the state, such as construction, entertainment, advertising, sauna, massage, Internet cafes, oxygen bars, etc., business tax, urban construction tax, additional tax on education and personal income tax will be exempted within three years from the date when the industrial and commercial department approves their operation. Since the country raised the threshold of business tax and value-added tax from 1 month 1 day in 2003, it means that laid-off and unemployed people who are engaged in self-employment can continue to be exempted from value-added tax and business tax if they fail to reach the threshold of monthly turnover after enjoying tax exemption for three years.
The specific adjustments are as follows: the threshold for VAT sales of goods is adjusted to 5,000 yuan per month; The threshold for selling taxable services is adjusted to a monthly sales of 3,000 yuan; The threshold for paying taxes per time is adjusted to 200 yuan for each (daily) sales; The threshold for paying business tax on schedule is adjusted to a monthly turnover of 5,000 yuan; The threshold for individual rental housing to pay taxes on schedule is adjusted to monthly turnover 1000 yuan; The threshold for paying taxes per time is adjusted to sales per time (day) 100 yuan.
Newly established enterprises in Jiangsu Province (established after September 30, 2002) are the main channels for creating new jobs. The government has given great preferential treatment to this: before the end of 2005, new service-oriented enterprises (except industries restricted by the state) will be exempted from business tax, urban maintenance and construction tax, education surcharge and enterprise income tax for three years if they absorb more than 30% of the total number of employees; If the absorption ratio is less than 30%, the enterprise income tax will be reduced or exempted according to the absorption ratio of laid-off workers accounting for 2 times of the total number of employees in the enterprise, that is, for every absorption1%,the enterprise income tax will be reduced or exempted by 2%; For newly established commercial retail enterprises that only engage in retail business, they can enjoy preferential policies except business tax according to the same prescribed conditions (because commercial enterprises do not pay business tax).
For existing enterprises (established before September 30, 2002) that expand their production scale and absorb laid-off and unemployed people for re-employment, tax incentives are also given: for existing service-oriented enterprises (except industries restricted by the state) and commercial retail enterprises that only engage in retail business, before the end of 2005, if the number of laid-off and unemployed people in their new posts reaches more than 30% (including 30%) of the total number of employees, they can enjoy a reduction of 30% every year within three years. Among them, enterprises that are exempt from additional education fees are also exempt from local education surcharges.
4. Large and medium-sized state-owned enterprises have preferential treatment for the placement of surplus personnel. Economic entities (except those that are restructured and established by such enterprises (finance, insurance, posts and telecommunications, construction, entertainment, and enterprises that sell real estate and transfer land use rights) can enjoy preferential treatment of exemption from enterprise income tax within three years if they meet the following four conditions: First, they can make use of the non-main business assets of the original enterprises, idle assets or close the effective assets of bankrupt enterprises; Second, independent accounting, clear property rights and gradual diversification of property rights subjects; The third is to absorb the surplus staff of the original enterprise to reach more than 30% (inclusive) of the total number of employees in this enterprise; The fourth is to change or sign a new labor contract with the redundant personnel who have been resettled.
5. How do enterprises handle preferential tax procedures?
The procedure is divided into two steps: first, prepare materials and submit a written application to the local labor and social security department, and the qualified labor department will issue the "Certificate of Recognition of Newly-established Service Enterprises Absorbing Laid-off Workers". After obtaining the "Certificate of Confirmation", you can submit the following materials to the local competent tax authorities to apply for tax relief, and you can enjoy preferential tax treatment after approval.
▲ What materials do enterprises need to submit for identification?
1.Copy of business license; 2. A copy of the tax registration certificate; 3 laid-off workers "re employment concession card" and a copy of the original; 4. Staff roster (enterprise seal); 5. The original and photocopy of the labor contract signed between the enterprise and the newly recruited laid-off workers; 6. A copy of the record (certificate) of social insurance premiums paid by the enterprise for employees; 7. Copy of enterprise wage payment voucher (payroll) (enterprise seal); 8. Copy and photocopy of the Annual Inspection Registration Certificate of the Ministry of Labor and Social Security; 9. Other materials required by the labor and social security department ▲ What materials should be provided for the enterprise's application for tax reduction or exemption? 1. application form for tax reduction or exemption; 2. A copy of the business license; 3. A copy of the tax registration certificate; 4. A copy of the "Certification of Newly Established Service Enterprises Absorbing Laid-off Workers"; 5. Balance sheet and income statement; 6. List of Operating Income of Service Enterprises; 7. Other materials required by the competent tax authorities.
Because of the different nature of enterprises, the information required to be provided by them will be different in items 4 and 6.
6. How do individuals handle preferential tax procedures?
Laid-off workers who start their own businesses may hold the following materials after receiving the tax registration certificate:1.copy of business license; 2. A copy of the tax registration certificate; 3. Re-employment Concession Card; 4. For other materials required by the competent tax authorities, apply to the local competent tax authorities for tax reduction or exemption, and after the approval of the tax authorities at or above the county level, you can go to the local competent tax authorities for tax reduction or exemption procedures for business tax, urban maintenance and construction tax, education surcharge and personal income tax.
"Re-employment Concession Card" is a certificate for laid-off workers who start their own businesses to continue to enjoy tax support policies. Only laid-off workers who hold this card can apply for tax reduction or exemption this year.
References:
Www.cfzn.org, a guide to creating wealth.