Tianjin: Launch of municipal-level handling of entrepreneurial guaranteed loans

Introduction Recently, the Tianjin Municipal Human Resources and Social Security Bureau, the Finance Bureau, and the Tianjin Branch of the People’s Bank of China jointly held a launching ceremony for the municipal-level handling of entrepreneurial guaranteed loans. China Construction Bank Tianjin Branch will open 21 business outlets in Tianjin as municipal-level handling outlets for entrepreneurial guaranteed loans to provide employment, entrepreneurship, financial support and other services to small and micro enterprises and key entrepreneurial groups in Tianjin.

At the launch ceremony, 9.577 million yuan of entrepreneurial guaranteed loans were issued to 5 individual entrepreneurs and 5 representatives of small and micro enterprises to support individual entrepreneurship and the development of small and micro enterprises, effectively solving the impact of the epidemic Financial difficulties brought to entrepreneurs.

Since the beginning of this year, in order to overcome the impact of the epidemic and make every effort to do a good job in employment and entrepreneurship in the city, Tianjin has successively issued "32 Measures to Stabilize Employment", "76 Measures to Ensure Employment in Response to the Epidemic" and "Supporting the Employment of College Graduates" Policies and measures such as "40 Articles" and "8 Articles to Assist the Employment of Labor Forces in Difficult Villages", especially in terms of entrepreneurship, have introduced a package of favorable policies to support entrepreneurship, forming an all-round and multi-level entrepreneurship support system. As the most direct and effective support measure for individual entrepreneurs and small and micro enterprises, entrepreneurial guaranteed loans can solve the problem of slow and difficult financing in a short period of time, and have attracted widespread attention from entrepreneurs.

In order to further implement the "mass entrepreneurship and innovation" strategy and promote entrepreneurship to drive employment, the Municipal Human Resources and Social Security Bureau, the Municipal Finance Bureau, and the Tianjin Branch of the People's Bank of China issued the "Tianjin Entrepreneurship Guaranteed Loan Management Measures", which will be implemented in the policy system and operation The mechanism and management model have been adjusted, and breakthrough innovations have been made in terms of loan scope and loan amount.

Expand loan scope. Entrepreneurship guaranteed loans in Tianjin include personal entrepreneurship guaranteed loans and small and micro enterprise entrepreneurship guaranteed loans. Those who establish enterprises, individual industrial and commercial households, rural cooperatives and other business entities in this city and meet the relevant loan requirements can apply for personal entrepreneurial guaranteed loans; if a certain proportion of newly recruited personnel meet the prescribed conditions in the current year and have no credit records of violations of laws and disciplines All small and micro enterprises can apply for small and micro enterprise entrepreneurial guaranteed loans.

Increase the loan limit. For key entrepreneurial groups and "project team" members such as full-time college students, college graduates within 5 years of graduation, and "Haihe Talents" within 5 years of settlement in this city, the maximum loan amount will be raised to 500,000 yuan, with members of the same "project team" ***If you apply for a personal business guaranteed loan, the total amount can be up to 3 million yuan.

Extend the loan term. The maximum period of guaranteed loans for personal entrepreneurship is 3 years, and the maximum period of guaranteed loans for small and micro enterprises is 2 years, with one extension allowed, up to 1 year.

Expand guarantee methods. In addition to the guarantee of the Entrepreneurship Guarantee Fund, guarantees are allowed to be provided in various ways such as credit, property mortgage, equity pledge, etc. For "project team" members, entrepreneurs, entrepreneurial projects, and entrepreneurial enterprises that have obtained honorary titles at or above the municipal level, through financial institutions In principle, counter-guarantees will be canceled for creditworthy small and micro enterprises, merchants, farmers identified by assessment, as well as borrowers recommended by credit villages, credit parks, and national and municipal entrepreneurship incubation demonstration bases.

Raise interest discount standards. Full interest discounts will be provided for eligible individual business guaranteed loans; for eligible small and micro enterprise business guaranteed loans, an interest discount will be provided based on 50% of the LPR on the date the loan contract is signed.

Enrich management channels. In order to further expand the channels for obtaining entrepreneurial guaranteed loans and provide timely and convenient financial support for individual entrepreneurs and small and micro enterprises, in addition to applying to the human resources and social security department of the district where they operate, individual entrepreneurs and small and micro enterprises can also Go to the municipal handling bank branch to apply for it. Individual entrepreneurs and small and micro enterprises who are willing to apply for loans can go to the nearest handling branch for consultation and business guarantee loan business.