Chapter I General Rules
Article 1 For the implementation of the CPC Central Committee, the State Council on the stabilization of the economy, the integration of the prevention and control of epidemics And economic and social development of the decision-making and deployment, increase the coordination of fiscal and financial policies, give full play to the role of financial funds to help solve the zero-credit small and medium-sized micro-enterprises to obtain the first loan difficult predicament, and further reduce the cost of financing of small and medium-sized micro-enterprises in our region, the development of this program.
The second Jinpu New District to support the first loan of small and medium-sized micro-enterprises, the annual arrangement of special funds 20 million yuan. Among them, the first loan subsidies for small and medium-sized micro-enterprises amounted to 16 million yuan per year, the first loan guarantee fee subsidies for policy financing guarantee institutions in Jinpu New Area and the first loan business support funds amounted to 4 million yuan per year, the implementation of the total amount of control.
Article 3 Micro, small and medium-sized enterprises, refers to the Ministry of Industry and Information Technology, the National Bureau of Statistics, the Development and Reform Commission, the Ministry of Finance jointly issued a "notice on the issuance of small and medium-sized enterprises typing standards" (Ministry of Industry and Information Technology joint enterprise [2011] No. 300) the provisions of the medium-sized enterprises, small enterprises and micro-enterprises. The enterprises.
Article 4 "first time loan" refers to the first time an enterprise obtains a cash loan from a banking financial institution with a physical branch, excluding discounted bills, off-balance-sheet non-cash financing, loans obtained from Internet banks without physical branches, and loans from non-banking institutions. The loans obtained by enterprises from banking financial institutions with physical outlets are defined as the first cash-based loans obtained by enterprises from banking financial institutions with physical outlets.
Article 5 Adhere to the principle of standardization and transparency of the first loan subsidies, earmarked for the purpose of accepting the audit of the audit department.
The financial sector according to the work required to hire a third-party intermediary agency to subsidize the issuance of regular and irregular checks.
Article 6 Subsidies include subsidized interest rates for first-time loans to micro-, small- and medium-sized enterprises (MSMEs), subsidies for first-time loan guarantee fees for the policy financing guarantee companies in Jinpu New Area (hereinafter referred to as the "Guarantee Company"), and support funds for first-time loan business.
Chapter II First Loan Discount
Article 7 Discount conditions
1. Loan object: small, medium and micro enterprises registered in Jinpu New District.
2. First time loan: the first time loan is recognized based on the People's Bank of China credit report.
3. Loan amount: the amount of the first credit agreement or loan contract for a single household is less than RMB 30 million (inclusive).
4. Loan purpose: business loans and fixed asset investment project loans for daily operations such as plant and equipment. The first loan for MSMEs does not include discounted bills, real estate company loans, financing platform company loans and non-productive business fixed asset investment project loans.
Article VIII Discount range: the same loan object, the discount period of up to one year, the start date for the enterprise in the credit line of the first use of funds, the cut-off date for the first use of funds for the next year corresponding to the date.
Article IX Discount rate: 2% annualized discount rate for agriculture-related enterprises, 1.5% annualized discount rate for high-tech enterprises, and 1% annualized discount rate for other types of enterprises.
Article 10 Interest rate subsidy: in accordance with the principle of first payment, that is, the enterprise to pay interest to the lending bank, and then apply for subsidies.
Article XI The first loan subsidy quarterly declaration, issuance. Enterprises in the first month of each quarter to apply for the previous quarter's interest rate.
Article 12 Dalian financial technology service platform (hereinafter referred to as the "platform") (www.dljrkjfw.com) for the enterprise to provide the first loan subsidy online application, cash channel. Enterprises based on market-oriented principles and lending banks to carry out their own online or offline loan financing docking and obtain the first loan, the platform to complete the registration can apply for loan subsidies.
The implementation rules of the relevant subsidies are led by the People's Bank of China Jinzhou New District Central Sub-branch.
Chapter III Subsidies for First Loan Guarantee Fees
Article 13 From 2022 onwards, the guarantee company's guarantee business of the first loan of the new small and medium-sized micro-enterprises, according to the 1% of the guaranteed amount of subsidies. .
Article 14 Subsidized conditions
1. Guarantee object: small and medium-sized micro-enterprises registered in the Jinpu New Area.
2. Guarantee amount: the total amount of guarantee for a single household is less than 30 million yuan (inclusive).
3. Usage of the guaranteed loans: business loans and fixed asset investment project loans for daily operations such as plant and equipment. The first loan for MSMEs does not include discounted bills, real estate company loans, financing platform company loans and non-productive business fixed asset investment project loans.
4. Guarantee fee rate: no higher than 1% for guarantee fee for financing guarantee of less than 5 million yuan (inclusive), and no higher than 1.5% for guarantee fee for financing guarantee of more than 5 million yuan.
Article 15 The first loan guarantee fee subsidy annual application, issued once.
Chapter IV First Loan Business Support Funds
Article XVI For the purpose of continuously consolidating the guarantee capacity and enhancing the guarantee radiation effectiveness of the first loan business of small and medium-sized micro-enterprises, the guarantee will be fully referenced to the first loan business of the previous year from 2022 onwards. From 2022 onwards, with full reference to the previous year's first loan business and the next year's capital utilization plan, the guarantee company will be given no more than 2 million yuan per year to support funds, directed to the expansion of the first loan guarantee business.
Article 17 Support funds are applied for and issued once a year.
Chapter V Attachment Rules
Article XVIII The enjoyment of subsidies under this program for small and medium-sized micro-enterprises, guarantee companies through the platform to publicize, and to accept public supervision.
Article 19 Apply for subsidies for small and medium-sized enterprises, guarantee companies are responsible for the authenticity of the submitted materials. If the audit and other departments found that the material is false, the use of funds is not true and other issues, the implementation of the "one-vote veto", recovery of subsidized funds, permanent cancellation of subsidies and legal responsibility.
Article 20 This program is responsible for the interpretation of the new District Finance Bureau.
Article 21 This program shall come into force on February 16, 2023, for a period of five years. After the official implementation of this program, "Dalian Jinpu New Area Finance Bureau on the issuance of" Jinpu New Area small and micro-enterprise loan subsidies for the first time the implementation of the program "notice" (Dajin Caijinfa [2021] No. 960) is repealed at the same time. Previously in accordance with the "Dalian Jinpu New Area Finance Bureau on the issuance of" Jinpu New Area small and micro-enterprise loan subsidies for the first time the implementation of the program "notice" has applied for the first loan subsidies for enterprises are still in accordance with the original program.
