A: Provide microfinance support for first-time entrepreneurs. That is to say, for those who started their own businesses on June 5438+1 October1day, 2009, they are required to provide entrepreneurial micro-loans of no more than RMB 654.38+10,000 per person.

2. What is the "exemption" in the "exemption from loans and subsidies" policy to encourage entrepreneurship?

A: "Four exemptions and one reduction" is implemented for first-time entrepreneurs. That is, 1 is exempt from administrative fees such as registration, licensing and management. Give tax incentives. 3 entrepreneurs do not need counter-guarantee to apply for small business loans. 4. For small business loans, interest shall be reduced or exempted within 3 years according to regulations.

3. What is the "help" in the "loan-free help" policy to encourage entrepreneurship?

A: People who start a business for the first time can get "one-stop" help. Provide entrepreneurial consulting, entrepreneurial training, entrepreneurial project evaluation, entrepreneurial guidance and follow-up services for entrepreneurs. Carry out "1+3" tracking service. For every 1 entrepreneur who enjoys the policy of encouraging entrepreneurship, there should be 1 contract worker in charge of service, 1 liaison person in charge of contact and coordination, and 1 entrepreneurial tutor in charge of helping and guiding.

4. What is the "compensation" in the "free loans and subsidies" policy to encourage entrepreneurship?

A: Entrepreneurship subsidies are provided to successful first-time entrepreneurs. In other words, if you start a business for the first time and operate stably for more than 1 year, and hire a certain number of workers in our province and sign labor contracts, you will be given a one-time business start-up subsidy.

5. What are the applicable targets of "free loans and free subsidies" for entrepreneurial micro-loans?

A: After June 5438+1October 0, 2009, all registered unemployed people, people with employment difficulties (including disabled people), demobilized veterans, released prisoners, college graduates (including university student village officials and returned overseas students), employees and unemployed people in enterprises with overcapacity, migrant workers returning home to start businesses, online merchants with business registration documents and cards, and poor people. Anyone engaged in self-employment can apply. Starting a business in our province is not restricted by geography and household registration. Women in the above groups are included in the key target range.

6. What is the amount and duration of the "free loan and free subsidy" entrepreneurial microfinance?

A: The amount of "free loans and subsidies" for small business loans: the amount of loans applied by individuals does not exceed 654.38+10,000 yuan. If eligible borrowers start a business in partnership, according to the standard that the number of partners is within 6,543,800 yuan per person, the maximum amount is 500,000 yuan.

Term of "free loans and subsidies" entrepreneurial microfinance: the term of "free loans and subsidies" entrepreneurial microfinance shall not exceed 3 years.

7. What is the repayment method of the "free loan and free subsidy" entrepreneurial micro-loan?

Answer: From May of 1, 20 17, 20% of the total loan will be repaid on the 20th of the 12 month after the loan is granted, 20% of the total loan will be repaid on the 20th of the 18 month after the loan is granted, and 20% of the total loan will be repaid on the 20th of the 24th month after the loan is granted.

8. What is the discount policy of "free loans and subsidies" for entrepreneurial microfinance?

A: The micro-loans applied for by entrepreneurs are given a discount according to regulations. The specific criteria are that the poverty-stricken areas (referring to the key counties of poverty alleviation and development in our province and the contiguous counties with special difficulties, the same below) will not rise by more than 3 percentage points, and other areas will not exceed 2 percentage points. The financial department shall give full discount to eligible individual business guarantee loans in poverty-stricken areas according to regulations; The financial department will give full discount to eligible small-scale venture loans (including partnership venture) in other regions in 1 year, 2/3 in the second year and 1/3 in the third year. There is no discount for deferred and overdue loans.

9. Who is the organizer of the "free loan and free subsidy" entrepreneurial microfinance?

A: The undertaking units of the "loan-free and subsidy-free" entrepreneurial micro-loans in Yunnan Province are: county (city, district) employment agencies, industrial and commercial associations, trade unions, the Communist Youth League, women's federations, private associations and education departments.

10. What is the approval process of "free loans and subsidies" for entrepreneurial micro-loans?

A: 1 The entrepreneur applies to the specific organizer for the "loan-free and subsidy-free" micro-loan for starting a business.

After the preliminary examination by the organizer, the entrepreneur is recommended to apply for a loan from the handling rural credit cooperatives, fill in the Application and Approval Form for Entrepreneurship Microfinance in Yunnan Province, and submit relevant loan materials as required.

3. The organizer shall, jointly with the rural credit cooperatives, investigate the entrepreneurs and entrepreneurial projects, evaluate the market risk, technical risk and management risk of the entrepreneurial plans and projects, and put forward opinions on project implementation and loan review.

4. Rural credit cooperatives sign loan contracts with entrepreneurs to issue loans.

The organizers provide entrepreneurs with "free loans, subsidies" and other related supporting services.

1 1. What basic information do I need to provide to apply for a "loan-free and subsidy-free" entrepreneurial microfinance?

Answer: 1 College graduates: hold the original diploma and employment and entrepreneurship certificate. College students issue college students' school certificates, and college students who drop out of school and start businesses issue school certificates; 2. Migrant workers: hold the original manual of migrant workers or employment and entrepreneurship certificate; 3. Re-transfer to the military: hold the former military retirement certificate, employment and entrepreneurship certificate or Yunnan migrant workers service manual; Other self-employed individuals hold relevant certificates.

In addition to the required documents, the above entrepreneurs need to bring their written application, ID card, household registration book or temporary residence permit, business license, tax registration certificate and original house lease contract. Fill in the business plan in duplicate, and the Approval Form for Loan Application of Small Enterprises in Yunnan Province in quintuplicate, which meets the requirements for loan application after examination.

12. What is entrepreneurial mentor assistance?

A: Successful entrepreneurs, entrepreneurs and management experts are selected by the specific organizer as entrepreneurial mentors to provide "one-on-one" entrepreneurial guidance to entrepreneurs, and help entrepreneurs solve problems encountered in project demonstration, market analysis, business planning and enterprise management through on-site guidance and telephone exchange.

13. What are the procedures for applying for a one-time business start-up subsidy?

A: Entrepreneurs should submit a one-time application for starting a business subsidy, their ID card, business license for industrial and commercial registration, and employment contracts to specific contractors. Among them, the employed personnel must be registered in Yunnan.

14. how to deal with the failure to repay the "loan-free and subsidy-free" entrepreneurial microfinance on time?

A: After entrepreneurs get the "free loan and free subsidy" micro-loans, they should repay them in installments on time. In case of non-timely repayment or other breach of contract, the relevant organizers and rural credit cooperatives will take measures to recover the borrower according to the contract, record the breach of contract in the credit information system and publish the personal credit status.