■ Establish informal employment labor organizations.
Choosing to start a business in the form of informal employment labor organizations is an effective way to reduce risks and costs. According to the relevant policies of Shanghai, recognized informal employment labor organizations can enjoy the following seven preferential policies:
1. Tax relief: local taxes such as business tax and income tax shall be exempted within 3 years, and administrative fees other than social insurance shall be exempted;
2. Give priority to social insurance: the payment base of social insurance is calculated according to the actual wage income of employees in the previous year, but not lower than the minimum wage standard of that year (currently 635 yuan);
3. Loan guarantee: If financing is difficult, you can apply for the opening loan guarantee provided by the special fund for promoting employment in Shanghai;
4. Free training: owners can participate in government-subsidized entrepreneurship training, and employees can participate in government-subsidized skills training;
5. Comprehensive employment risk insurance: employees can participate in comprehensive employment risk insurance. The insurance premium is 30 yuan every year, and the maximum claim amount is 6,543,800 yuan;
6. Post subsidy: the government gives certain post subsidies to the poor workers absorbed by informal employment labor organizations;
7. Free service: The government encourages opening service institutions to provide tax exemption application, invoice application, insurance agency, various promotion services and other free services for informal employment labor organizations by purchasing the results of opening service.
Applicable object: entrepreneurs registered in this city.
Comments:
Informal employment organization is a form of entrepreneurship with low threshold, because it can enjoy a series of preferential tax and loan policies, especially suitable for entrepreneurs with limited funds, weak anti-risk ability and lack of entrepreneurial experience. Of course, informal employment labor organizations should also undertake certain obligations, such as absorbing unemployed people in this city in accordance with the prescribed proportion. In addition, relevant departments in Shanghai also have preferential policies for entrepreneurs who have returned from studying abroad, and each pioneer park also has its own preferential policies. When starting a business, entrepreneurs can find a favorable way and place to start a business according to their own situation.
Second, preferential financing policies.
■ Special guarantee can be obtained by applying for opening loan.
In August, 2000, Shanghai launched the policy of special funds to promote employment to guarantee entrepreneurial loans. When employees apply for business loans from banks, due to the lack of personal guarantees, the city's special funds for promoting employment will provide credit guarantees on the premise that banks agree to loans. The projects guaranteed by the special fund for promoting employment include: venture loans, working capital loans, equipment loans and loans for purchasing production and business premises.
Applicable objects: students of entrepreneurship training courses, representatives of owners or partners of informal labor organizations, individual investors or partnership investors of newly established small enterprises (small enterprises within 1 year after industrial and commercial registration).
■ Personal guarantee-no guarantee for venture loans below 70,000 yuan.
Generally speaking, for entrepreneurial loan projects with a loan amount of 70,000 yuan or less, the city's special funds for promoting employment are fully guaranteed, and individuals can be exempted from the guarantee; For loan projects with a loan amount of 700-65438+ 10,000 yuan, 90% of the maximum guaranteed loan amount of the municipal special fund for promoting employment; If the loan amount is more than 654.38+10,000 yuan, the city's special fund for promoting employment can guarantee 80% of the maximum loan amount.
Applicable object: same as above.
■ The opening loan can enjoy the government discount.
Interest should be paid for the opening loan, but the borrower can apply for discount to the district and county opening guidance service center with relevant certification materials, and the city's special fund for promoting employment will fully or partially subsidize the interest on the opening loan. The amount of discount is calculated according to the number of new jobs in the economic organization run by the borrower, and the maximum subsidy can be 2000 yuan per year.
Applicable object: same as above.
■ University graduates have financial support for starting businesses.
Shanghai has launched the Shanghai University Students' Science and Technology Venture Fund with a total scale of 654.38+0.5 billion yuan, which is mainly used to finance enterprises founded by college graduates with their scientific research achievements or patented inventions, and to give consideration to creative and scientific and technological consulting enterprises. Graduates of Shanghai University with scientific and technological achievements can apply to the relevant departments, and they can get a maximum subsidy of 300,000 yuan after examination. At the same time, the fund provides financial support for the scientific and technological achievements incubation projects of college graduates. The fund will invest less than 300,000 yuan in each project, and the investment funds will be invested in stages. The investment period is generally 1 ~ 2 years.
Applicable object: college graduates.
Comments:
There are many preferential financing policies, but for entrepreneurs, the more funds, the better, because no matter what financing channels, the use of funds has interest costs. Therefore, entrepreneurs should determine whether they need financing and the amount of financing according to their business plans and existing funds, and then choose bank loans or other financing methods according to their own conditions. What needs special reminder is that the borrower must repay the loan on time and pay interest, otherwise his personal credit record will be damaged, which will bring unnecessary trouble to his future house purchase, car purchase and loan.
Three. Preferential tax policy
■ Unemployed workers, social insurance employees and surplus rural laborers who enjoy preferential tax policies before the end of 2005 (except for industries restricted by the state) are engaged in self-employment, and can enjoy preferential tax policies for up to three years according to relevant regulations, and enjoy exemption from registration, licenses and administrative fees for up to three years until the expiration.
Adapted objects: unemployed people, social security personnel and rural surplus labor force.
■ Those who absorb unemployment, social security and surplus farmers can be exempted from tax.
Newly-established service-oriented and business-oriented enterprises that add unemployed people, social security personnel and rural surplus labor force to more than 30% of the total number of employees and sign labor contracts with a term of 1 year can enjoy preferential tax-free policies for the corresponding period; If it is less than 30%, the enterprise income tax will be reduced proportionally in the corresponding year.
Existing service-oriented, business-oriented enterprises that add unemployed people, social security personnel and rural surplus labor force to more than 30% of the total number of employees and sign labor contracts with a term of 1 year or more can enjoy preferential tax-free policies for the corresponding period.
Newly-established labor employment service enterprises, which absorbed newly-added unemployed persons, social security personnel and rural surplus labor force in that year and reached more than 60% of the total number of employees, shall enjoy preferential policies for income tax reduction and exemption in accordance with relevant regulations.
Applicable object: entrepreneurs who absorb unemployment, cooperative insurance and surplus farmers.
■ Enterprises settled in urban parks have subsidies.
Enterprises entering the urban industrial park, after 65438+2003 10/0/0, add jobs or use existing jobs to recruit unemployed, cooperative insurance and rural surplus labor, enjoy the highest per capita rent subsidy of 2000 yuan or discount on opening loans according to the actual number of enterprises in that year.
Applicable object: entrepreneurs located in urban industrial parks.
Comments:
The above preferential policies are mainly to encourage unemployed people to start businesses and encourage entrepreneurs to absorb unemployed people in this city. In addition to the above policies, all districts and counties in Shanghai also have corresponding supporting incentive policies, and entrepreneurs can usually enjoy double preferential policies at the city and district levels.
Fourth, preferential policies for entrepreneurship training.
■ Entrepreneurship training can be "paid" by the government
Unemployed persons with household registration in this Municipality, cooperative insured persons and rural surplus labor force, as well as owners of informal employment labor organizations, can enjoy full subsidies in principle. Employees or employees of small enterprises who have entrepreneurial intentions within 3 years can enjoy a maximum subsidy of no more than 50%. In addition, during the entrepreneurship training course, the above-mentioned personnel can also enjoy a job skills training subsidy related to the opening project. Unemployed persons who participate in entrepreneurship training and successfully start a business during the period of enjoying unemployment insurance can receive unemployment insurance money in one lump sum with business license, certificate of informal employment labor organization, labor manual and other relevant certificates as start-up funds.
Suitable for all kinds of entrepreneurs, including college graduates.