Industrial loan conditions (1) have been registered in the administrative department of Industrial and Commercial Bank of this Municipality;
(2) Having a fixed place for production and business operation;
(3) The bank opens a settlement account;
(4) Holding a loan card issued by the People's Bank of China and passing the annual inspection;
(5) The enterprise is in good operating condition;
(6) The enterprise has a good reputation;
(7) provide financial statements;
(8) Providing collateral or guarantor approved by the bank.
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Second, Hefei entrepreneurship subsidy policy 2022
Entrepreneurial subsidy: one-time subsidy for each entrepreneur 1 10,000 yuan, and partnership enterprises or shareholders can also apply for subsidies. A startup company can apply for 10 at most, and the total subsidy does not exceed 10 million yuan. Rental subsidy: those who set up small and medium-sized enterprises in Shenzhen and lease commercial premises can get 500 yuan subsidy every month.
! The total amount of subsidies shall not exceed 45,000. Enterprise legal persons and shareholders pay social security in the name of start-up enterprises, and each person can get social security subsidies around 750 yuan every month, and the subsidies can last for 3 years! The total subsidy does not exceed 270,000 yuan. Employment subsidy: Small and medium-sized enterprises will be given to entrepreneurs according to each employee of Shixiong, with the number of subsidies not exceeding 16 and the total subsidy not exceeding 50,000 yuan.
Entrepreneurship allowance refers to low-income families, poor disabled families, college graduates from poor families and disabled people who have obtained national student loans and are extremely poor in the year of graduation. You can choose one of the difficult situations and apply for a one-time allowance as required. College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, they are allowed to share 65,438+00% of the registered capital (the contribution is not less than 30,000 yuan), and the paid-in registered capital will be increased to more than 50% within 65,438+0 years, and the balance can be put in place by stages within 3 years.
What are the requirements for applying for one-time venture funding?
(1) Starting from 20201October 30th, 165438, entrepreneurs set up their first business organization in this city, and served as the legal representative or principal responsible person;
(2) The entrepreneurs have paid social insurance premiums for 6 months in the entrepreneurial organizations they founded, and 3 of them need to recruit registered workers in this city when they enter the countryside, and have paid social insurance premiums for them for 6 months;
(3) Regular operation and paying taxes according to law 1 year or more;
(4) The entrepreneurs and entrepreneurial organizations created by this attack have good credit and have not been included in the "blacklist" of Beijing public credit information service platform;
(5) 50% of the entrepreneurial organizations founded by qualified entrepreneurs in rural areas have been operating normally for 6 months.
Legal basis:
Notify on
Article 4
Employment subsidy funds are divided into two categories: subsidies for individuals and units, and subsidies for public employment service capacity building.
Article 9
For college graduates and people with employment difficulties who have left school for more than two years since the date of industrial and commercial registration, a one-time entrepreneurship subsidy will be given on a pilot basis. The specific pilot measures shall be formulated separately by the provincial finance and human society departments.
Three. Hefei venture loan policy 202 1
Preferential policies and application requirements for college students' entrepreneurial loans
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; If you start a business with a certain scale or become a re-employment star, you can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers and college students to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers and college students launched in many areas can also enjoy a 60% discount from the government.
College students' entrepreneurship loan is a preferential measure provided by the state to college students. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.
Loan requirement
(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;
(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;
(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment; (5) Open a settlement account in a bank, and the operating income will be settled by the bank.
preferential policy
(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, with the balance.
(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.
(3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.
Relax the field of entrepreneurship
All kinds of entrepreneurs can enter industries and fields not prohibited by laws and regulations and enjoy relevant preferential policies equally.
Relax the registration title
Enterprises and individual industrial and commercial households that bid in accordance with the law are not restricted by registered capital, and are titled as "Anhui Province", which is directly declared and approved by the Municipal Administration for Industry and Commerce.
Relax the scope of preparatory business license.
If the business scope of the enterprise applying for registration involves pre-administrative examination and approval, but we are unable to submit the examination and approval documents and certificates, the industrial and commercial authorities may mark "preparation" after changing the business scope, and issue a business license for the preparation period.
"Zero Down Payment" for College Students' Entrepreneurial Registered Capital
College graduates who invest less than 500,000 yuan to set up a limited liability company within two years after graduation can register with "zero down payment" and pay their registered capital in full within three years from the date of establishment of the company.
Clarify the registered proportion of non-monetary assets.
Investors are allowed to set up small and medium-sized enterprises with intellectual property rights, scientific and technological achievements and other non-monetary assets at a fixed price, and intangible assets can contribute up to 70% of the registered capital of the enterprise.
Exempt from administrative expenses
Administrative fees related to management, registration and certification for college graduates, registered unemployed persons and returning migrant workers.
Clear entrepreneurial support groups
For college graduates and secondary vocational and technical school graduates within two years of graduation, registered unemployed people, returning migrant workers, etc. Engaged in individual business according to law, in addition to the exemption of relevant administrative fees, self-raised funds are insufficient, can apply for a small secured loan of not more than 50 thousand yuan; In line with the conditions of small-scale low-profit enterprises, enterprise income tax will be levied at a reduced rate of 20%, and a certain proportion of loan interest will be given according to regulations.
Preferential policies for entrepreneurship support
For informal employment organizations, industrial and commercial registration is exempted within three years: those who have been operating normally for more than 12 months and paid social insurance according to law will be given a one-time subsidy of 2,000 yuan/person for entrepreneurs and 4,000 yuan/person for those with employment difficulties; Entrepreneurial entities that recruit registered unemployed persons, sign labor contracts for more than 1 year and pay social insurance premiums according to law will be given a one-time subsidy of 1500 yuan/person, and a one-time subsidy of 2,000 yuan/person for those with employment difficulties.
Preferential policies of pioneer park
For entities established according to law, such as college graduates and secondary vocational and technical school graduates, registered unemployed people, returning migrant workers, etc. Within 2 years after graduation, in addition to relevant administrative fees, property management fees, health fees and other management fees will be exempted, venue fees will be halved, and utilities will be appropriately reduced. The reduced part is paid from the site fee paid by half: for those with insufficient self-raised funds, small secured loans can be provided; Recruit people with employment difficulties, sign labor contracts for more than one year and pay social security fees according to law, and give social security subsidies for the corresponding period; Recruit zero-employment family members in cities and towns, and give them a one-time employment reward; For the low-profit enterprises that leave the park after the expiration of three years of cultivation, if they are in line with labor-intensive small enterprises, they can provide two small secured loans to support them.
Preferential tax policies for college graduates and secondary vocational and technical school graduates to start businesses within two years after graduation.
College graduates and secondary vocational and technical school graduates within two years of graduation are exempted from labor and personnel agency fees when starting a business, and enjoy linkage services such as entrepreneurial projects, entrepreneurial training and information consultation free of charge; Entrepreneurial projects in line with the city to encourage the development of industrial fields, to give small secured loans and discount support. College graduates who have graduated for two years and are engaged in self-employment according to law shall be exempted from business tax, urban maintenance and construction tax, education surcharge and personal income tax within one year from the date of first registration by the administrative department for industry and commerce; For college graduates and secondary vocational and technical school graduates who set up and lead scientific and technological enterprises in scientific and technological enterprise incubators created by governments at all levels and pioneer parks within two years after graduation, they are exempt from paying rent within three years; Engaged in community service industry and agricultural entrepreneurship, according to the number of employed people, give special entrepreneurship subsidies.
Iv. Guarantee loan for starting a business 202 1 policy
First, how to determine the interest rate of the newly issued business guarantee loan? How to share the loan interest with the financial discount? According to the spirit of "Notice on Further Increasing the Interest Discount of Business Guarantee Loans to Fully Support the Entrepreneurship and Employment of Key Groups" (Jincai _2020_2 1), the loan interest rates of "loan-free and subsidy-free" loans, individual business guarantee loans and small and micro enterprise loans in our province can rise to a certain extent on the basis of the loan market quotation-LPR on the signing date of the loan contract, The specific criteria are that the floating range of poverty-stricken areas (including key counties for poverty alleviation and development and 14 contiguous areas with special difficulties, the same below) shall not exceed 250BP (2.5 percentage points), and the floating range of other areas in our province shall not exceed 150BP (1.5 percentage points). Starting from 202 1, 1 and 1, newly-issued "offset-free" loans, personal business guarantee loans and loans for small and micro enterprises, with interest below LPR- 150BP, shall be borne by the borrower, and the rest shall be financially subsidized. What are LPR and BP? _LPR is the quoted interest rate in the loan market (the best lending rate). _BP is the base point, and one base point is equal to 0.0 1%. How to calculate personal interest and financial discount when applying for a business guarantee loan? For example, Xiao Li runs a clothing store and applied for a business guarantee loan of 200,000 yuan in his personal capacity. It is known that the current LPR of 1 year is 3.85%. Then: Xiao Li's loan interest is: (3.85%1500.05438+0%) 200,000 yuan = 10700 yuan, of which: the individual shall bear: (3.85%-1500.05438+0%) 200,000 yuan. What is the deadline? How to repay? Loan amount: 1. The maximum amount of qualified personal business guarantee loans and "free loans and subsidies" loans is 200,000 yuan. 2. Eligible borrowers who start a business in partnership shall be approved according to the standard of 200,000 yuan per partner, with the upper limit of1100,000 yuan. 3. The loan amount of small and micro enterprises shall be determined by the handling bank according to the operating conditions, repayment ability and guarantee of the enterprise, with a maximum of 3 million yuan. Loan term: 1. The longest term of "loan-free and subsidy-free" loans and personal business guarantee loans shall not exceed 3 years (if the applicant is less than 3 years away from the statutory retirement age, the loan term shall not exceed the remaining statutory retirement years). 2. The maximum loan period for small and micro enterprises shall not exceed 2 years. Payment method: 1. Personal business guarantee loan is paid off in one lump sum when it expires. 2. The "loan-free and compensation-free" loan will be paid off in three installments (12 months, with 20% paid off in the 24th month and 70% paid off in the 36th month since the signing of the loan contract). 3. Small and micro enterprise loans will be paid off in one lump sum. 4. After the borrower and the loan bank reach an agreement through consultation, they can repay the loan according to the loan contract. 3. What is the support object of the business guarantee loan? The support objects of "free loans and free subsidies" and personal business guarantee loans are basically the same. Mainly refers to the following 10 categories: ① registered unemployed people in cities and towns; ② Persons with employment difficulties (including the disabled); ③ Demobilized demobilized soldiers; (4) Persons released from prison; (5) College graduates (including university student village officials and returned students); ⑥ Resolving employees and unemployed people in enterprises with excess capacity; ⑦ Migrant workers who return home to start businesses; 8 online merchants; Pet-name ruby file card for the poor; Attending the rural self-employed. Employed people who rely on the employment platform to purchase necessary production and operation tools are included in the support target. Starting a business in our province is not restricted by registered permanent residence areas and industries. 4. What are the prerequisites for applying for a business guarantee loan? 1. The applicant is registered as a market entity in the administrative area of Songming and operates normally (including online merchants), and the production and operation projects comply with national industrial policies and laws and regulations; 2. When submitting the loan application, the applicant has not been employed or gone through retirement formalities in an organ, institution or enterprise other than the loan business entity (except for university student village officials and employees of enterprises that have solved excess capacity); 3. When submitting a loan application, the applicant and his/her spouse should have no other loans except student loans, poverty alleviation loans, housing loans, car loans and small consumer loans (including credit card consumption) below 50,000 yuan. 4. The applicant has no bad credit record, and the cumulative number of times he has obtained the support of business guarantee loan is no more than 3 times. 5. What should entrepreneurs do if they cancel their business licenses while enjoying the financial discount policy for business guarantee loans? Business license is an important certificate for entrepreneurs to engage in production, operation and entrepreneurial activities, and it is also an important basis for organizers and handling banks to identify whether entrepreneurs really engage in entrepreneurial activities. Entrepreneurs are generally not allowed to cancel their business licenses during the period of enjoying the financial discount policy of "free loans and subsidies" for business guarantee loans. If it is necessary to cancel the business license under special circumstances, it shall report to the organizer and the handling bank in advance and apply for cancellation after obtaining the consent. Cancellation of business license without authorization shall be handled in the following ways: 1. If the entrepreneurial project is still in normal operation, the loan organizer will issue a rectification notice to it, and order the borrower to re-apply for the industrial and commercial business license within 1 month. Rectification on time, can not recover the loan, continue to give discount; If the business license is not obtained within 1 month after the issuance of the rectification notice, the loan principal shall be fully recovered, and the loan interest from the month when the business license is cancelled to the period when the loan principal is recovered shall be borne by the borrower. The recovered discount interest funds are returned to the financial department through the original channels. 2. Entrepreneurial projects have stopped operating. If it is less than 12 months from obtaining the business license to canceling the business license, or if it is verified that it belongs to fraudulent loans and discount interest funds, the loan principal will be recovered. The loan discount from the month when the business license is cancelled to the period when the loan principal is recovered shall be borne by the lender, and the recovered discount funds shall be returned to the financial department according to the original channels. If the entrepreneurial project has ceased to operate, and its business license has been cancelled for more than 12 months, and it is verified that it does not belong to fraudulent loans and discount funds, the loan principal will not be recovered temporarily, and the loan interest will be borne by the borrower from the month when the business license is cancelled; From the month when the business license is revoked, the financial discount will be suspended, and the discount funds already allocated from the month when the business license is revoked will be recovered, and the original channels will be returned to the financial department. 3. Entrepreneurial projects have stopped, and at the same time, new entrepreneurial projects are operating, which belongs to the turn of business projects. Entrepreneurs take the initiative to report to the organizer and the handling bank within 3 months after the business turn, reissue the business license of the new project and complete the relevant information of the business turn, and continue to give interest subsidies without recovering the loan; If the borrower fails to declare voluntarily, apply for a business license or fill in relevant information for more than three months, the loan principal will be recovered, and the loan discount from the month when the business license is cancelled to the period when the loan principal is recovered will be borne by the borrower, and the recovered discount funds will be returned to the financial department through the original channels. 6. What should I do if the entrepreneur is recruited by the employer to achieve employment and enjoys the financial discount policy support of the business guarantee loan? If a worker is employed by a unit, it is called unit employment; Workers who achieve employment through entrepreneurship are called entrepreneurial employment. Has been employed by the unit, does not belong to the business guarantee loan policy support object, shall not enjoy the business support policy. Enterprises have started to find jobs while enjoying the financial discount policy support of "free loans and subsidies" for business guarantee loans, and have been recruited by the unit to realize the employment of the unit. The borrower shall report to the organizer and the handling bank in time, and the organizer and the handling bank shall strengthen the tracking management of such business guarantee loans and deal with them separately according to different situations. 1. If the borrower is recruited by government agencies and institutions (including supernumerary personnel) and placed in public welfare posts, the loan principal shall be recovered, and the loan interest from the month of recruitment (placement) to the period of recovering the loan principal shall be borne by the borrower. The recovered discount interest funds are returned to the financial department through the original channels. 2. After obtaining the loan, if you are recruited by various enterprises, you don't need to recover the loan principal and continue to discount interest in the entrepreneurial state. However, the organizer and the handling bank should strengthen the monitoring and management of loans to prevent loan risks and defraud financial interest subsidies.