Jinan's Policy of Supporting Small and Medium-sized Enterprises
News from job search network of fresh graduates
At present, Jinan's support policies for small and medium-sized enterprises are: Opinions of Jinan Municipal People's Government on Promoting the Sound and Rapid Development of Small and Medium-sized Enterprises (Zheng Jifa [2008] No.34); Opinions of Jinan Municipal People's Government on Strengthening Enterprise Management (Zheng Jifa [2009] No.3); Opinions of Jinan Municipal People's Government on Doing a Good Job in SME Financing (J.F.F. [2009] No.26); Opinions of Jinan Municipal People's Government on Encouraging and Promoting the Development of Growth Enterprises (J.F.F. [2009] No.28); Implementation opinions of Jinan Municipal People's Government on further promoting the development of small and medium-sized enterprises (No.20 1 1] 1).
According to the Opinions of Jinan Municipal People's Government on Doing a Good Job in SME Financing (Zheng Jifa [2009] No.26), Jinan has set up a special fund for SME development of 50 million yuan and a bridge fund of 654.38 billion yuan. The key point of support is: 1. Fixed assets investment projects, including growth-oriented small and medium-sized enterprise projects, small and start-up projects, backbone enterprises of industrial clusters and other small and medium-sized enterprise investment projects. 2 small and medium-sized enterprise loan discount subsidy project. 3 service system subsidies, including guarantees, training, entrepreneurship counseling base, public service platform, management consulting, information construction and other subsidies. 4. Bridge funds are mainly used to solve the short-term problem of "replacing the old with the new" for small and medium-sized enterprises.
According to the Opinions of Jinan Municipal People's Government on Encouraging and Promoting the Development of Growth Enterprises (Zheng Jifa [2009] No.28), Jinan's policies in encouraging and promoting the development of growth enterprises mainly include: (1) setting up special funds for the development of growth enterprises. The fund focuses on supporting growth enterprises to carry out technological innovation, implement brand development strategy, enhance industrial scale, cooperate with large enterprise groups, and build public service platforms and specialized service systems for growth enterprises. (2) Project support. For growth enterprises that mainly invest in high-tech, high-growth investment and R&D projects with their own funds (the proportion of their own funds investment in the total investment of the project is not less than 50%), their loans will be subsidized by 30%-50% of the total interest calculated by the benchmark interest rate of bank loans for the same period within two years, with the maximum subsidy of 1 10,000 per year; For enterprises that mainly invest in bank loans (self-owned capital investment accounts for less than 50% of the total investment of the project), the total interest calculated according to the benchmark interest rate of bank loans in the same period within two years will be given a discount subsidy of 20%-40%, and the maximum subsidy per year will not exceed 500,000 yuan. The above funds are paid from the special funds for the development of growth enterprises in the city. (3) Enjoy relevant preferential policies. Eligible growth enterprises can also enjoy relevant preferential policies according to the Notice of Jinan Municipal People's Government on Printing and Distributing Several Policies for Improving the Independent Innovation Ability and Accelerating the Construction of Innovative Cities in Jinan (Zheng Jifa (2008) No.43). At least 50% of the applied technology research and development funds in this Municipality are used to support growth enterprises to carry out independent innovation and new product research and development. Under the same conditions, the government can give priority to the procurement of independent innovation products of identified growth enterprises. (4) Give economic rewards on the basis of merit. Through the comprehensive evaluation of main economic indicators, management level and technological innovation ability, 30 enterprises with the most growth are selected every year, and some financial rewards are given. Among them, growth enterprises refer to enterprises with good growth, strong independent innovation ability and great development potential. The conditions that growth enterprises should have are: growth enterprises should be registered in accordance with the law within the jurisdiction of this Municipality, and have the qualifications of independent enterprise legal persons and general taxpayers. Industry categories are mainly high-tech industries such as new materials, new energy, electronic information, advanced manufacturing and biopharmaceuticals; Strong product innovation ability, in line with the national industrial policy and the requirements of our city's industrial development orientation; Sales revenue, added value, profits and taxes increased by more than 20%.
According to the "Implementation Opinions of Jinan Municipal People's Government on Further Promoting the Development of Small and Medium-sized Enterprises" (Zheng Jifa [20 1]1No.), the policy of encouraging and supporting small and medium-sized entrepreneurial enterprises in Jinan is:1,and vigorously promoting the technological upgrading of small and medium-sized enterprises. Encourage technological transformation of small and medium-sized enterprises, introduce advanced and applicable technologies, improve and upgrade the equipment level, and give financial support to qualified equipment transformation projects with an investment of 200,000 yuan or more approved by the competent economic and information departments at or above the county (city) level, with a maximum investment of 3%. 2. Actively help micro and start-ups solve the development space. There are plans to build multi-storey standard workshops in various development zones and industrial parks, and to build small business start-up bases. Small business start-up bases invested by the government can be leased or subsidized at low prices to reduce the start-up costs of small businesses. 3. Conscientiously implement the policy of promoting employment through entrepreneurship. Registered unemployed, disabled, retired soldiers, and ordinary college graduates who have graduated within 2 years to establish sole proprietorship enterprises or partnership enterprises shall be exempted from management, registration, license and other related administrative fees within 3 years from the date of first registration in the industrial and commercial department in accordance with relevant regulations. In accordance with the conditions, procedures and contracts stipulated by laws and regulations, entrepreneurs are allowed to use family houses, rented houses and temporary commercial houses. As a business place, and enjoy the small secured loans, entrepreneurship training subsidies, entrepreneurship subsidies and other policies given by the government according to regulations.
This article comes from the job search network of fresh graduates.
Second, the latest subsidy policy for small and micro enterprises in Jinan
Legal analysis: For the entrepreneurs who started small and micro enterprises for the first time and registered to receive the social insurance premiums paid by enterprises after 2065.438+0 (namely, basic old-age insurance, basic medical insurance and insurance) (except for professional and technical personnel of institutions such as universities and research institutes who leave their jobs to start businesses), a one-time business start-up subsidy of 6.5438+0.2 million yuan will be given. If the above-mentioned successful entrepreneurs recruit college graduates who have lost their jobs and sign labor contracts with them for 1 year or above, and pay insurance premiums for them at the founding meeting, they can give each post a one-time entrepreneurship post development subsidy of 2000 yuan according to the number of jobs they apply for.
Normal operation refers to employees' monthly salary and normal operating income.
Legal basis: Several Policies on Actively Responding to the Epidemic Situation and Promoting the Healthy Development of Small and Medium-sized Enterprises by the General Office of Jinan Municipal Committee and the General Office of Jinan Municipal Government.
Article 1: Ensure that the credit balance of small and medium-sized enterprises rises steadily. Strictly implement the credit policy during the national epidemic prevention and control period, guide all banking institutions to increase their support for small and medium-sized enterprises, and ensure that the growth rate of loans for small and medium-sized enterprises is not lower than the average growth rate in 2020. For small and medium-sized loans that are greatly affected by the epidemic and whose funds are temporarily trapped, the loans will be cut off and the loans will be pressed.
Second, reduce the financing cost of SMEs. By adjusting the loan interest rate, increasing credit loans and medium-and long-term loans, we will increase support for small and medium-sized enterprises, especially the interest rate of key loans for epidemic prevention and control materials will go up and down by more than 10%. All banking institutions should establish and start fast approval channels, simplify business processes, and effectively improve business efficiency.
Article 3 Provide personalized financial support. Incorporate SME loans from banking institutions in our city into the risk compensation policy of SME loans in our city, and give the highest standard discount support according to the policy requirements. Policy financing guarantee institutions should increase the matching rate to no more than 0.8%, and cancel the "one loan, one loan" financing platform "10 1" mode to provide faster and more convenient financing channels for small and medium-sized enterprises.
3. Jinan SME loan subsidy 202 1?
Support Policy and Tax Subsidy Policy for Small and Micro Enterprises in Jinan 202 1
Key Points of Loan Discount Policy for Small and Micro Enterprises in Jinan in 2020
Subsidy object
Small and micro enterprises that have been established for more than two years and have gone through industrial and commercial registration and tax registration in their respective jurisdictions, and have the qualifications of independent enterprise legal persons; And repay on time, no bad credit record.
Enterprise classification standard
According to the Notice of Ministry of Industry and Information Technology, Bureau of Statistics, National Development and Reform Commission and Ministry of Finance on Printing and Distributing the Classification Standards for Small and Medium-sized Enterprises (Ministry of Industry and Information Technology Lianqi (2011) No.300).
Expense period
The date of subsidy financing expenses is June 65438+1 October1to February 3 1 last year.
Nature of loan
The financing expense subsidy applied by the enterprise must be the financing expense incurred by the working capital loan borrowed from the bank financial institution in the name of the enterprise itself.
Scope and standard of subsidies
Small and micro enterprises
The actual financing cost is 50%
Minimum 500,000 yuan
Up to100000 yuan.
Application channel
Enterprises can apply for finance in their own districts and counties.
submission time
From April to July every year, the submission time of each district and county is not uniform. Please refer to the official notice of each district and county for details.
Required materials
Business license, application report, SME statement, material authenticity commitment letter, enterprise loan interest discount non-repetition declaration commitment letter, social insurance fund special bill, enterprise financing expense financial subsidy declaration form, proof of no bad tax-related records, enterprise credit report of China People's Bank, audit report, loan contract, interest payment voucher, guarantee fee voucher, bank statement of last year, etc. , specific to the requirements of the financial department of the jurisdiction where the enterprise is located.
Time of receipt of subsidy funds
After the information is qualified, the money will be transferred to the customer's account before the end of the application year.
4.22 What is the subsidy for micro-enterprises?
About 200 thousand yuan!