| Notice by the Ministry of Finance, the Ministry of Human Resources and Social Security and the People's Bank of China of Further Effectively Completing the Work of Financial Discount for Entrepreneurship Guaranteed Loans | | 财政部、人力资源社会保障部、中国人民银行关于进一步做好创业担保贷款财政贴息工作的通知 |
| (No. 22 [2018] of the Ministry of Finance) | | （财金〔2018〕22号） |
| All public 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 Shanghai Head Office of the People's Bank of China (“PBC”), 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; and 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、各副省级城市中心支行，有关金融机构： |
| The CPC Central Committee and the State Council attach great importance to employment and entrepreneurship. Since the implementation of the policy on financial discount for entrepreneurship guaranteed loans, the financial support has been continuously increased, which has maximized a sound guiding and leading role in effectively reducing the burden on entrepreneurs and employers, helping business startups by the public and mass innovation, and expanding effective employment. At present, the focus of economic and social development is on higher level and higher quality, which has put forward higher demand on the work of entrepreneurship guaranteed loans. For the purposes of further increasing support, strengthening the management of financial discount funds, and improving the fund utilization efficiency, you are hereby notified of the following matters: | | 党中央、国务院高度重视就业创业工作。创业担保贷款财政贴息政策自实行以来，资金支持力度不断加大，在切实减轻创业者和用人单位负担，助力大众创业、万众创新，扩大有效就业方面发挥了良好的引导和带动作用。当前，经济社会发展聚焦更高水平、更高质量，对创业担保贷款工作提出了更高要求。为进一步加大支持力度，加强财政贴息资金管理，提高资金使用效益，现将有关事项通知如下： |
| I. Increasing the policy support | | 一、加大政策支持力度 |
| (1) Expanding the scope of loan objects. Besides the entrepreneurship guaranteed loan objects (registered urban unemployed persons, persons having trouble finding work, demobilized veterans, persons released after serving the full term of the imprisonment, college graduates, employees of enterprises resolving excess production capacity and laid-off employees from these enterprises, rural migrant workers returning to their home villages to start their own business, online business operators and registered poverty-stricken populations) previously prescribed, farmers independently starting up business in rural areas are included in the scope of support. The scope of the objects of loans for micro and small enterprises is adjusted to: micro and small enterprises whose newly recruited employees meeting the conditions for applying for entrepreneurship guaranteed loans account for 25% of the existing incumbent employees (15% for enterprises employing more than 100 persons) and that enter into labor contracts of one year or more therewith. | | （一）扩大贷款对象范围。除原规定的创业担保贷款对象（城镇登记失业人员、就业困难人员、复员转业退役军人、刑满释放人员、高校毕业生、化解过剩产能企业职工和失业人员、返乡创业农民工、网络商户、建档立卡贫困人口）外，将农村自主创业农民纳入支持范围。将小微企业贷款对象范围调整为：当年新招用符合创业担保贷款申请条件的人员数量达到企业现有在职职工人数25%（超过100人的企业达到15%）、并与其签订1年以上劳动合同的小微企业。 |
| (2) Reducing the conditions for the application for loans. The requirements for the loan records of individual applicants for entrepreneurship guaranteed loans are adjusted to: an applicant and his or her spouse shall have no other loans, except student loans, poverty alleviation loans, housing loans, car loans, and small-sum consumption loan not more than 50,000 yuan (including credit card consumption), when filing an application for entrepreneurship guaranteed loans. | | （二）降低贷款申请条件。个人创业担保贷款申请人贷款记录的要求调整为：除助学贷款、扶贫贷款、住房贷款、购车贷款、5万元以下小额消费贷款（含信用卡消费）以外，申请人提交创业担保贷款申请时，本人及其配偶应没有其他贷款。 |
| (3) Relaxing the requirements for guarantee and discount. Entrepreneurship guaranteed loans for micro and small enterprises that have enjoyed discount support of the public finance departments may enjoy support via guarantee provided by the guaranteed funds of entrepreneurship guaranteed loans. Individuals and micro and small enterprises raising loans that are active in repayment, that have strong capacity for promoting employment, and that have good entrepreneurial projects may continue to enjoy discounted interests on entrepreneurship guaranteed loans for not more than three times accumulatively. | | （三）放宽担保和贴息要求。对已享受财政部门贴息支持的小微企业创业担保贷款，可通过创业担保贷款担保基金提供担保形式支持。对还款积极、带动就业能力强、创业项目好的借款个人和小微企业，可继续提供创业担保贷款贴息，但累计次数不得超过3次。 |
| II. Optimizing the application procedures | | 二、优化申请办理程序 |
| (4) Improving the service mechanism. All localities and departments shall simplify the procedures and improve the efficiency, provide qualified entrepreneurs with convenient services for handling entrepreneurship guaranteed loans, and explore one-time completion of acceptance of application, review of materials, credit inquiry and other loan and guarantee formalities. Regions with good conditions shall actively explore the e-approval circulation mode, optimize the loan application, review and granting, and guarantee rapid and high-quality services. | | （四）健全服务机制。各地、各部门要简化流程、提高效率，为符合条件的创业者办理创业担保贷款提供便利化服务，探索将申请受理、材料审核、征信查询等贷款手续和担保手续一次性办结。有条件的地方，应积极探索电子化审批流转模式，优化贷款申请、审核、发放各环节，保障服务的快捷优质。 |
| (5) Improving the guarantee mechanism. All localities are encouraged to focus on the first repayment source, explore the granting of entrepreneurial loans by credit means, and gradually eliminate counter guarantee on the basis of continuously improving the risk assessment capabilities. Counter guarantee for entrepreneurs, entrepreneurial projects and entrepreneurial enterprises that have obtained honorary titles at or above the municipal (districted city) level, honest micro and small enterprises, merchants and farmer households recognized upon assessment of financial institutions, secondary entrepreneurs that maintain operational stability and are honest, and other special groups, are cancelled in principle. | | （五）完善担保机制。鼓励各地聚焦第一还款来源，探索通过信用方式发放创业贷款，在不断提高风险评估能力的基础上，逐步取消反担保。对获得市（设区的市）级以上荣誉称号的创业人员、创业项目、创业企业，经金融机构评估认定的信用小微企业、商户、农户，经营稳定守信的二次创业者等特定群体原则上取消反担保。 |
III. Advancing the work in light of local circumstances
．．．．．． | | 三、因地制宜推进工作
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