First, the text answer
High-tech enterprise loan discount policy:
1. For the first unified service enterprise in 2022, reward1ten thousand yuan;
2. Give 20,000 yuan to service enterprises whose annual operating income reaches 50 million yuan in 2022 and the year-on-year increase exceeds 15%;
3. Reward 50,000 yuan for service enterprises with annual operating income of more than 300 million yuan in 2022 and year-on-year increase of more than 15%;
4. Reward enterprises that have made outstanding contributions to the service industry revenue in 2022, with a maximum of 6.5438+0.5 million yuan.
Second, analysis
Science is an important internal driving force for development. High-tech enterprises refer to resident enterprises that have been registered in China (excluding Hong Kong, Macao and Taiwan) for more than one year, and continue to carry out research and development and technological achievements transformation in high-tech fields supported by the state, forming core independent intellectual property rights. It is a knowledge-intensive and technology-intensive economic entity. Innovation is the fundamental driving force for the development of enterprises, and the identification policy of high-tech enterprises is a guiding policy, which aims to guide enterprises to adjust their industrial structure, take the road of independent innovation and sustainable innovation, stimulate their enthusiasm for independent innovation and improve their scientific and technological innovation ability.
3. How much can a high-tech enterprise borrow?
The discount credit project for high-tech enterprises mainly provides loans and credits for Shenzhen national high-tech enterprises and Shenzhen high-tech enterprises, and at the same time gives discount subsidies. The maximum credit loan is 20 million yuan and the longest credit period is 5 years. Discount 50%, and the whole operation declaration time is 30 working days.
What does it mean to support foreign trade enterprises to discount loans?
Designated purpose loan. The discount on loans to support foreign trade enterprises refers to loans for designated purposes, which are special bank loans subsidized by the state or banks for interest expenses. Loan discount is a preferential loan policy to encourage the construction of a cause or project.
What are the small and medium-sized enterprises that can apply for government discount loans?
Since 2005, the municipal government has issued a policy, starting with the special funds for the development of small and medium-sized enterprises, allocating 10 million yuan from it to provide financial subsidies for the financing costs of small and medium-sized enterprises in Jinan, and providing two subsidies, namely, loan interest subsidies and guarantee fees subsidies, to alleviate the embarrassment of financing costs of small and medium-sized enterprises. Then, what conditions must qualified small and medium-sized enterprises meet to apply for government discount loans? Today, I will introduce them to you.
First, meet the four conditions of notification subsidy:
According to the Notice on Giving Appropriate Financial Subsidies to the Financing Expenses of Small and Medium-sized Enterprises, eligible small and medium-sized enterprises must meet four conditions when applying for government subsidized loans.
Details are as follows:
1. Small and medium-sized enterprises registered in industry and commerce with independent legal personality;
2, small and medium-sized enterprises must be established for more than two years, in line with national policies and pay taxes on time, have a certain contribution to the local finance of this Municipality;
3. For enterprise financial accounting problems, it is necessary to standardize and improve the financial management system, and it is also necessary to submit enterprise financial information statements to the financial department on time;
4. Small and medium-sized enterprises with loans also need a good reputation, the ability to repay the principal and interest on time, and no bad credit record;
Two, small and medium-sized enterprises can apply for government discount loans:
1. Conditions: SMEs use bank loans.
5.00 million yuan
Loan result: You can apply for financing expense subsidy at a rate not exceeding 50% of the actual annual interest and guarantee expenses, with the maximum annual subsidy not exceeding 6,543,800 yuan.
2. Conditions: If the growing small and medium-sized enterprises use a bank loan of 500,000 yuan, the loan period is 12-24 months, and the single loan is 5 million yuan.
Loan result: You can apply for financing expense subsidy at a rate not exceeding 50% of the actual annual interest paid, with the maximum annual discount not exceeding 300,000 yuan;
In addition, the loan guarantee fee incurred in that year is also applied for financing fee subsidy according to 50% of the actual annual payment, and the maximum annual subsidy amount is not more than 50,000 yuan. Financing guarantee institutions are also supported.
The above are all the contents that eligible SMEs can apply for government discount loans. Have the small and medium-sized enterprises that need loans figured out the routine?
What is a discount loan?
There are three differences between loans and discount loans:
First of all, they have different meanings:
1. The meaning of loan: loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
2. The meaning of interest-subsidized loans: interest-subsidized loans refer to special bank loans subsidized by the state or banks for specific purposes.
Second, their roles are different:
1, the role of loans: Banks put concentrated monetary and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
2. The role of discount loan: discount loan is a kind of preferential loan to encourage the construction of a cause or project. The loan interest can be fully subsidized or partially subsidized. Generally speaking, the principle of who arranges and subsidizes the loan spread is implemented. The subsidized loans arranged by the state are subsidized by the central government; Low-interest loans approved by the People's Bank of China are subsidized by the People's Bank of China; Specialized banks are responsible for low-interest loans.
Third, the application process is different:
1, loan application process:
(1) accepted. The handling personnel introduce the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default treatment and various expenses that the borrower needs to bear to the customer, and conduct a preliminary examination of the loan conditions, qualifications and application materials of the borrower.
(2) investigation. According to the relevant regulations, investigators take reasonable measures to investigate the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness.
(3) approval. Authorize the approver to finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, mortgage, pledge and guarantee.
(4) distribution. After the loan conditions are implemented. According to the demand for funds, customers can apply to the bank for withdrawal quota at any time.
(5) Post-loan management. The loan bank shall, in accordance with the relevant provisions of loan management, supervise and inspect the income status, loan purposes, changes in collateral value and performance status of borrowers and guarantors, and the inspection results shall be recorded in writing and filed. Supervise the guarantee or credit of the guarantor or borrower, and ask the borrower and guarantor to provide help.
(6) Loan recovery. According to the repayment plan and repayment date agreed by the borrower and the borrower in the contract, the loan bank deducts it from the agreed repayment account. The borrower can also repay the loan at the business outlets of the loan bank.
2. Discount loan application process:
(1) Voluntary application. Eligible applicants submit written applications (some of which can be directly submitted to local human resources and social security departments or guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or related certificates.
(2) Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations.
(3) Commitment. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions.
(4) issuing loans. The loan applicant promised by the guarantee institution shall, after being examined and approved by the handling bank in accordance with relevant regulations, sign a contract and issue loans. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.