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Notice by the Ministry of Finance, the Ministry of Human Resources and Social Security and the People's Bank of China of Further Increasing Interest Subsidy for Entrepreneurship Guaranteed Loans to Fully Support the Business Startup and Employment of Priority Groups [Effective]
财政部、人力资源社会保障部、中国人民银行关于进一步加大创业担保贷款贴息力度全力支持重点群体创业就业的通知 [现行有效]
【法宝引证码】

Notice by the Ministry of Finance, the Ministry of Human Resources and Social Security and the People's Bank of China of Further Increasing Interest Subsidy for Entrepreneurship Guaranteed Loans to Fully Support the Business Startup and Employment of Priority Groups 

财政部、人力资源社会保障部、中国人民银行关于进一步加大创业担保贷款贴息力度全力支持重点群体创业就业的通知

(No. 21 [2020] of the Ministry of Finance) (财金〔2020〕21号)

The finance departments (bureaus) and human resources and social security departments (bureaus) of all provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning; the Finance Bureau, Human Resources and Social Security Bureau of Xinjiang Production and Construction Corps; the People's Bank of China (“PBC”) Shanghai Head Office, all branches and operations offices of the PBC, and all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities: 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),新疆生产建设兵团财政局、人力资源社会保障局,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、各副省级城市中心支行:
At present, the Covid-19 pandemic has had a certain impact on employment and entrepreneurship. For the purposes of thoroughly implementing the spirit of the important speeches delivered by General Secretary Xi Jinping at the meeting held for making arrangements for advancing in an overall manner the prevention and control of COVID-19 and economic and social development, comprehensively strengthening measures to stabilize employment, maximizing the guiding role of subsidized interest funds for entrepreneurship guaranteed loans, strengthening financial security, fully supporting the resumption of work and production, entrepreneurship and employment, and promoting orderly and stable economic and social development, you are hereby notified of the matters as follows: 当前新冠肺炎疫情对就业创业造成一定影响。为深入贯彻落实习近平总书记在统筹推进新冠肺炎疫情防控和经济社会发展工作部署会议上的重要讲话精神,全面强化稳就业举措,更好发挥创业担保贷款贴息资金引导作用,加强资金保障,全力支持复工复产和创业就业,推动经济社会有序稳定发展,现通知如下:
I. Expansion of the coverage   一、扩大覆盖范围
1. The scope of groups shall be increased. The new loans extended from the date of issuance of this Notice to December 31, 2020 shall be available to the following groups: first, the hard-hit individual industrial and commercial households in wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that temporarily lose their sources of income; second, individuals who take out loans to buy cars exclusively for rental operations; third, full-time drivers who take out loans to buy cars and join an online car-hailing platform (“Two certificates” for full-time drivers, i.e. the Online-hailing Taxi Driver's License and the Vehicle Operation Certificate, and other certification materials are required); fourth, eligible taxi, online ride-hailing enterprises or their subsidiaries; fifth, individuals who have enjoyed the policy on interest subsidy for entrepreneurship guaranteed loans and have paid off the loans on time. Those who have business difficulties during the pandemic period may re-apply for entrepreneurship guaranteed loans. (一)增加支持群体。自通知印发之日至2020年12月31日新发放贷款,应将下列群体纳入支持范围:一是受疫情影响较大的批发零售、住宿餐饮、物流运输、文化旅游等行业暂时失去收入来源的个体工商户;二是贷款购车专门用于出租运营的个人;三是贷款购车加入网络约车平台的专职司机(需平台提供专职司机“双证”等证明材料);四是符合条件的出租车、网约车企业或其子公司;五是对已享受创业担保贷款贴息政策且已按时还清贷款的个人,在疫情期间出现经营困难的,可再次申请创业担保贷款。
2. The threshold for application shall be lowered. The proportion of the employees who are recruited by micro and small-sized enterprises for the year and meet the conditions for applying for entrepreneurship guaranteed loans in their existing employees shall be lowered from 20% to 15%, and to 8% for enterprises with more than 100 employees. (二)降低申请门槛。小微企业当年新招用符合条件创业担保贷款申请条件的人数与企业现有在职职工人数的占比,由20%下降为15%,超过100人的企业下降为8%。
II. Appropriate increase of the quota   二、适当提高额度
The entrepreneurship guaranteed loan ceiling that an eligible individual can apply for shall increase from 150,000 yuan to 200,000 yuan. Where an eligible individual borrower of entrepreneurship guaranteed loans jointly starts up business, the loan ceiling may be raised as appropriate according to the number of borrowers, but the maximum shall not exceed 10% of the eligible personal loan. 符合条件的个人最高可申请创业担保贷款额度由15万元提高至20万元。对符合条件的个人创业担保贷款借款人合伙创业的,可根据合伙创业人数适当提高贷款额度,最高不超过符合条件个人贷款总额度的10%。
III. Reasonable loan extensions allowed   三、允许合理展期
The entrepreneurship guaranteed loans owed by micro and small-sized enterprises and individuals (including individual industrial and commercial households, similarly hereinafter) that have temporary liquidity difficulties may be extended, at a maximum, to June 30, 2020, during which period the government finance shall provide interest subsidies. If the borrower of a personal entrepreneurship guaranteed loan that has been granted is infected with Covid-19, the loan extension shall not exceed one year in principle. 对流动性遇到暂时困难的小微企业和个人(含个体工商户,下同)创业担保贷款,可给予展期,最长可展期至2020年6月30日,展期期间财政给予正常贴息。对已发放的个人创业担保贷款,借款人患新冠肺炎的,展期期限原则上不超过1年。
IV. Lowering of interest rates
......
   四、降低利率水平
......

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