Laizhou Venture Loan Stimulates Entrepreneurship and Vibration

In recent years, the Human Resources and Social Security Department of Laizhou has vigorously optimized the business environment, actively promoted entrepreneurship to drive employment, and used entrepreneurial guarantee loans as the starting point, continued to increase entrepreneurial support, and support the financing and development of entrepreneurial enterprises. In the first half of 2022, the city issued 246 entrepreneurial loans of 58.26 million yuan, completing 55.49%of the annual plan, and a loan discount of 2.703 million yuan.

Optimize policy design, crack the problem of blocking points

Expand the scope of support. Based on 14 types of personnel such as urban registration of unemployed, employment difficulties, and retired soldiers, such as individual industrial and commercial households such as loan conditions, such as individual industrial and commercial households, such as individual industrial and commercial households, have increased their support scope to 21 types of personnel; Increase the loan amount. The maximum amount of personal entrepreneurial guarantee loans has been increased from 150,000 yuan to 200,000 yuan, and small and micro enterprises can apply for up to 3 million yuan; new partnership entrepreneurial guarantee loans can apply for up to 600,000 yuan in loans; reduce the threshold for access. Reduce the proportion of small and micro enterprises to the proportion of new recruitment. The proportion of small and micro enterprises that meet the number of people who meet the application conditions of the entrepreneurial guarantee loan and the number of employees existing employees in the past will be reduced from 20%to 15%. The decrease is 8%; shortening the approval time. The borrower can apply for loan registration through the online service lobby. The qualification review of the Human Resources and Social Security Department is completed within 1 working day. Completed within the day; exempting anti -guarantee requirements. Cancellation of anti -guarantee requirements for newly issued personal entrepreneurial guarantee loans for personal entrepreneurship guarantee; reducing financing costs. Further reduce the financing costs of individuals and small and micro enterprises, and the interest rate of newly issued entrepreneurial guarantee loans will decrease from no more than LPR+100bp to no more than LPR+50bp.

Strengthen policy promotion and increase policy awareness

Increase online promotion and publicity, through the official website, WeChat public account, and circle of friends, multiple rounds of release and policy promotion, communication, interaction, and questioning are confusing. Strengthen the three -level linkage of cities, streets, and communities, carry out the form of entrepreneurial carriers, campus, and lower base floors, and conduct extensive publicity and targeted promotion to entrepreneurs, and combine special activities such as large -scale job fairs and retired soldiers. , Cumulative publicity of more than 200,000 people. By implementing big data comparison, more than 2,000 small and micro enterprises participating in the city and more than 3,000 individual industrial and commercial households have pushed the entrepreneurial guarantee loan policy, so that "people find policies" to accelerate the transition from "policy finding people".

Explore the working mechanism and stimulate the new vitality of the bank

The banks have increased from 3 to 4. Entrepreneurs can choose a cooperative bank when applying for a loan, forcing banks to improve the quality of service, improve service efficiency, and explore a benign competitive mechanism. Adjust and improve the cooperation bank outlets, increase the number of village -level cooperative banks, establish a biological loan service network covering the city and reasonable layout, and use the advantages of rural commercial banks, Pearl River, Post, and CCB bank outlets, wide coverage, and convenient mass work. Carrying out cooperation to help all kinds of talents return to the countryside to start business and increase farmers' income.

Optimize the process of service and enhance the sense of service experience

Relying on the "Smartman Society" information platform, promoting the new model of "Internet+" business processing, vigorously promoting the full online processing of entrepreneurial guarantee loans, realizing electronic dynamic management, and gradually realizing the "zero running leg" of service objects through "data more data". At the same time, the staff of various cooperative banks regularly go to town streets, communities, and villages to assist those with loans to apply online, which greatly facilitates the entrepreneurial loan application and is recognized by the borrower. Laizhou Nobel Kindergarten Co., Ltd. is a small and micro enterprise established in Laizhou, which was founded in October 2020. In the second half of 2021, the enterprise was in the initial construction stage, and it was necessary to operate while building, and the capital demand was large. The company had obstacles to the bottleneck of production and construction of funds.当时企业应付建筑工程款项、教学设备款项、人力费用等100多万元，企业自有资金如果支付上述款项，将面临无法正常生产活动，为了解决企业生产和建设资金急需，该企业于2021年12 Monthly submitted a business application for 3 million yuan of entrepreneurial guarantee loans. In a short period of time, Laizhou Public Employment and Talent Service Center passed the enterprise's entrepreneurial guarantee loan application and coordinated Rural Commercial Bank. In December 2021, On the 27th, it issued 3 million yuan of entrepreneurial guarantee loans for it, with a loan period of 3 years. Corporate legal person Zhang Yiyi "When the company encountered a bottleneck disorder in funds, the Laizhou Human Resources and Social Security Department issued a entrepreneurial guarantee loan to me in time, which really gave the company the snow in the snow." (Correspondent Wang Shaohui)

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