On the 12th, the Ministry of Finance announced the "Measures for the Management of Special Funds for Inclusive Financial Development" (hereinafter referred to as the "Measures"). The "Measures" will come into effect on October 1, 2023, and will be implemented for five years.
Special funds for the development of inclusive finance (hereinafter referred to as special funds) refer to the special transfer payment funds arranged by the central government to support the development of inclusive finance. They are used to support the development of provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning, and the Xinjiang Production and Construction Corps. Interest rate discounts for entrepreneurial guaranteed loans, central fiscal support for the construction of inclusive financial development demonstration zones, and targeted fee subsidies for rural financial institutions.
According to the "Measures", in order to implement the employment priority policy, support the employment and entrepreneurship of key groups, and guide financial institutions to increase the issuance of entrepreneurial guaranteed loans, special fund arrangements are used to provide certain rewards and subsidies for entrepreneurial guaranteed loans supported by fiscal interest discounts.
According to the "Measures", individuals who meet the following conditions can apply for entrepreneurial guaranteed loans and financial interest discount support:
(1) Belong to key employment groups. Including urban registered unemployed people, people with employment difficulties (including disabled people), retired soldiers, people released from prison, college graduates (including university student village officials and students who have returned from studying abroad), employees of enterprises that have resolved excess production capacity and unemployed people, and farmers who have returned to their hometowns to start businesses. Workers, online merchants, people out of poverty, rural self-employed farmers;
(2) Except for student loans, micro-credit for people who have been lifted out of poverty, housing loans, car loans, and small consumer loans below 50,000 yuan (including credit card purchases), when the applicant submits an application for a business guaranteed loan, he and his The spouse has no other loans.
The "Measures" also stipulate that small and micro enterprises that meet the following conditions can apply for entrepreneurial guaranteed loans and fiscal interest discount support:
(1) Small and micro enterprises that fall under the current classification standards for small and medium-sized enterprises;
(2) Small and micro enterprises shall recruit new people who meet the application conditions for entrepreneurial guaranteed loans within one year before applying for entrepreneurial guaranteed loans to reach 10% of the company's existing employees (5% for enterprises with more than 100 employees), and with their Sign a labor contract for more than one year;
(3) There is no illegal or illegal credit record such as arrears of employee wages or unpaid social insurance premiums.
For qualified entrepreneurial guaranteed loans, the financial department will provide a fiscal discount of 50% of the actual interest rate of the loan. In principle, the financial department will not provide interest discounts for extended or overdue entrepreneurial guaranteed loans, unless otherwise stipulated by the State Council.
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