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| Notice of the Ministry of Finance, the Ministry of Human Resources and Social Security, and the People's Bank of China on Strengthening the Administration of Fiscal Interest Subsidies to Small-sum Guarantee Loans | | 财政部、人力资源和社会保障部、中国人民银行关于加强小额担保贷款财政贴息资金管理的通知 |
| (No. 84 [2013] of the Ministry of Finance) | | （财金[2013]84号） |
| The public finance departments (bureaus) and the departments (bureaus) of human resources and social security of all provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning; the Shanghai Headquarters of the People's Bank of China (“PBC”); all branches and business management departments of the PBC, all central sub-branches of the PBC in capital cities of provinces (or autonomous regions) and the central sub-branches of the PBC in Dalian, Qingdao, Ningbo, Xiamen, and Shenzhen; and all relevant financial institutions: | | 各省、自治区、直辖市、计划单列市财政厅（局）、人力资源社会保障厅（局），中国人民银行上海总部、各分行、营业管理部、省会（首府）城市中心支行、大连、青岛、宁波、厦门、深圳市中心支行，各有关金融机构： |
| For purposes of implementing the new requirements for the work of boosting employment by starting business that are raised on the Central Economic Work Conference, further conducting well the work of small-sum guarantee loans provided for laid-off and unemployed workers (hereinafter referred to “small-sum guarantee loans”), strengthening the administration of fiscal interest subsidies, and improving the use efficiency of fiscal funds, the relevant matters are hereby notified as follows: | | 为贯彻落实中央经济工作会议对创业带动就业工作提出的新要求，进一步做好下岗失业人员小额担保贷款（以下简称小额担保贷款）工作，加强财政贴息资金管理，提高财政资金使用效益，现就有关事项通知如下： |
| I. Strictly implementing the policy standards for discount loans | | 一、严格执行贴息贷款政策标准 |
| (1) The examination of applications for small-sum guarantee loans and the appropriation of fiscal interest subsidies shall be in line with the principles of free will, honesty and trustworthiness, and legality and regulation-compliance. The public finance departments at all levels shall fully recognize the significance of small-sum guarantee loans in promoting employment and improving people's livelihood, effectively perform their functions, strengthen the examination of fiscal interest subsidies, and optimize the administration of policy implementation. | | （一）小额担保贷款的申请和财政贴息资金的审核拨付，要坚持自主自愿、诚实守信、依法合规的原则。各级财政部门要充分认识到小额担保贷款工作对于促进就业、改善民生的重要意义，切实履行职责，加强财政贴息资金审核，规范政策执行管理。 |
| (2) The support objects of fiscal interest subsidies shall be governed by the existing policies, including urban registered unemployed persons, persons with employment hardship (generally refer to persons that are above the average age for marriage, are disabled, enjoy the minimum subsistence guarantee, have been unemployed for one year or more, and are difficult to get employed due to reasons like the loss of land), demobilized veterans, college graduates, and persons released after serving the full term of the imprisonment as well as labor-intensive small enterprises that meet the prescribed conditions. Among the aforesaid personnel, support priorities shall be appropriately given to the disabled, college graduates, and rural women that meet the prescribed conditions and apply for fiscal interest subsidies to small-sum guarantee loans. | | （二）财政贴息资金支持对象按照现行政策执行，具体包括符合规定条件的城镇登记失业人员、就业困难人员（一般指大龄、身有残疾、享受最低生活保障、连续失业一年以上，以及因失去土地等原因难以实现就业的人员）、复员转业退役军人、高校毕业生、刑释解教人员，以及符合规定条件的劳动密集型小企业。上述人员中，对符合规定条件的残疾人、高校毕业生、农村妇女申请小额担保贷款财政贴息资金，可以适度给予重点支持。 |
| (3) The maximum amount of small-sum guarantee loans that are supported by fiscal interest subsidies is 100,000 yuan for college graduates, 80,000 yuan for women, 50,000 yuan for other personnel that meet the prescribed conditions, and 2 million yuan for labor-intensive small enterprises. The average loan amount per capita for women that run business as partners and are organized for employment is 100,000 yuan at the maximum. | | （三）财政贴息资金支持的小额担保贷款额度为，高校毕业生最高贷款额度10万元，妇女最高贷款额度8万元，其他符合条件的人员最高贷款额度5万元，劳动密集型小企业最高贷款额度200万元。对合伙经营和组织起来就业的，妇女最高人均贷款额度为10万元。 |
(4) The interest rate of small-sum guarantee loans for individuals that are supported by fiscal interest subsidies shall raise 3% at most on the basis of the benchmark interest rate of loans over the same period issued by the PBC. The period of small-sum guarantee loans that are supported by fiscal interest subsidies is two years at the maximum. The Ministry of Finance shall provide no interest subsidy for extended and overdue small-sum guarantee loans.
．．．．．． | | （四）财政贴息资金支持的个人小额担保贷款利率为，中国人民银行公布的同期限贷款基准利率的基础上上浮不超过3个百分点。财政贴息资金支持的小额担保贷款期限最长为2年，对展期和逾期的小额担保贷款，财政部门不予贴息。
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