Recently, the municipal government issued a document to further promote the work of small secured loans in our city and promote entrepreneurship for all. With the implementation of the New Deal, the application threshold for small secured loans is lower, the amount is higher, and the beneficiaries are larger. The support given to entrepreneurs by the new small loan policy can be said to be unprecedented. This also means that small bosses who start businesses in Nanyang in the future can also use small secured loans to broaden financing channels.
Re-expansion of loan object
In the past, urban small secured loans were mainly for laid-off workers and returning migrant workers. This new policy has greatly expanded the loan targets and increased the benefits of preferential policies for small secured loans.
In the future, all urban and rural self-employed persons who are registered in this city and have the willingness and ability to start a business within the legal working age, and economic entities or labor-intensive small enterprises that have absorbed the above-mentioned personnel to a specified proportion can apply for loans.
The loan amount has been greatly increased.
Compared with the previous policies, the New Deal has further increased the amount of loans for entrepreneurs. ? At present, in the difficult period when major banks are tightening monetary policy and small and medium-sized enterprises are having difficulty in financing, it is undoubtedly the government's gift to further strengthen small secured loans for enterprises? Timely rain? . ? The relevant person in charge of the city microfinance guarantee center said.
For self-employed entrepreneurs, the original maximum personal loan amount was only 50,000 yuan, while the New Deal raised the maximum personal loan amount to 80,000 yuan; For a partnership or organization to start a business, the maximum per capita loan amount can reach 654.38+10,000 yuan, and the financial interest is fully subsidized.
For labor-intensive enterprises that have absorbed a specified number of unemployed people, the loan amount will be increased from the original maximum of 2 million yuan to 4 million yuan. The part within 2 million yuan shall be subsidized by the financial department according to 50% of the benchmark loan interest rate, and the part exceeding 2 million yuan shall not be subsidized.
The threshold of counter-guarantee is low.
In the past, entrepreneurs wanted to apply for small secured loans, and they had to have civil servants to provide counter-guarantees. As a result, some entrepreneurs could not enjoy the benefits of small secured loans because they could not find a guarantor. This new policy lowers the threshold of small secured loans and makes it easier for entrepreneurs to get loans.
In the future, in addition to the counter-guarantee provided by the staff of government agencies and institutions, entrepreneurs can also provide four forms of counter-guarantee: ① enterprises approved by the microfinance guarantee institutions and employees of enterprises with good operating conditions and stable income can provide counter-guarantee; ② Real estate mortgage guarantee; (3) Pledge of securities such as bank time deposit certificates; (4) Five guarantees between honest households.
Increase investment in guarantee funds
In order to effectively protect the demand for loans, cities and counties set up their own small loan guarantee funds, which are stored in financial institutions at the same level, closed for operation and earmarked for special purposes.
? The amount of guarantee funds is directly related to the amount of loans, and loans cannot be made without investment. ? In the future, municipal and county-level finance should continuously increase investment in guarantee funds to ensure that the scale of municipal guarantee funds reaches more than 40 million yuan and that of county-level guarantee funds reaches more than 20 million yuan. After the investment in the microfinance fund increases, the handling bank may, according to the actual situation, appropriately expand the loan interest rate of the guarantee fund for the guarantee institutions with good reputation and high recovery rate, and further expand the loan scale.
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