20 15 in order to implement the two documents, namely, the Guiding Opinions of the General Office of the State Council on Developing Mass Creation Space and Promoting Mass Innovation and Entrepreneurship and the Opinions of the State Council on Further Improving Employment and Entrepreneurship under the New Situation, the Zhejiang Provincial Government issued opinions on supporting mass entrepreneurship and promoting employment.
The policy stipulates that college students and urban and rural workers who have entrepreneurial requirements and certain entrepreneurial conditions but lack entrepreneurial funds can apply for loans of no more than 300,000 yuan to start individual industrial and commercial households; Where a partnership or enterprise is established, the loan amount may be appropriately increased. 20 18 The Zhejiang Provincial Government issued the "Implementation Opinions on Doing a Good Job in Promoting Employment at Present and in the Future", raising the maximum loan amount to 500,000 yuan.
The main purpose of the policy of 20 15 is to reduce the burden and worries of key groups, including college students, create an atmosphere of encouraging entrepreneurship and tolerating failure, and solve the problems that key groups, including college students, want to start a business without money, want to improve their entrepreneurial ability, and have no one to help them.
02, about the object that can apply for business guarantee loan.
According to the policy, all first-time entrepreneurs in Zhejiang can apply for business guarantee loans. Among them, college students or college graduates who have graduated within five years, people who have been registered as unemployed for more than half a year, people with employment difficulties, retired military personnel, and disabled people with certificates can apply for loans guaranteed by the government's venture guarantee fund.
03. Procedures for college students to apply for business guarantee loans.
According to the policy, applying for a business start-up guarantee loan must go through two procedures: first, the human resources and social security departments organize experts to review the business start-up project, and then issue a loan qualification certificate guaranteed by the college students' business start-up guarantee fund; Second, college students apply for loans from the handling bank with qualification certificates and related materials, and the handling bank then investigates the entrepreneurial projects, credit status and solvency of college students. After the approval, the business start-up guarantee fund set up by the government provides guarantee for college students, and the handling bank issues loans to college students. After paying off the principal and interest of the loan on schedule, college students apply for interest discount to the human resources and social security departments with the repayment certificate issued by the handling bank.
04, on the implementation of entrepreneurial failure compensation mechanism.
If the loan cannot be repaid due to business failure, and the loan guaranteed by the venture guarantee fund established by the government is deemed as bad, and the loan is less than 654.38+10,000 yuan, it will be fully compensated by the venture guarantee fund; Loans of 65,438+10,000 yuan but less than 500,000 yuan shall be compensated by the venture guarantee fund by 80%. At the same time, the mechanism of recovery and write-off is also clarified in the implementation measures. In principle, compensation should be given, but if it is really unable to repay, it will be written off from the venture guarantee fund after examination and approval according to the prescribed procedures.