I. Strengthening of enterprise financing risk compensation and interest rate subsidy

1. Compensation for the compensation of the municipal financial guarantee institutions for the compensation incurred in the guarantee business which meets certain conditions, and for the business which meets the conditions for compensation, the For those businesses that meet the compensation conditions, the risk compensation will compensate the municipal financial guarantee institutions in grades according to the rate of compensation for the portion of the compensation rate within 8%.

Policy basis: "Yantai Municipal Financing Guarantee Risk Compensation Fund Management Interim Measures" (Yantai Finance [2020] No. 36)

Application process: ① eligible guarantee business compensation, by the municipal financing guarantee institutions to the bank to fulfill the responsibility of the compensation, according to the agreed ratio of the part of the responsibility of the Provincial Investment and Financing Guarantee Group should be borne by the municipal financing guarantee institutions in accordance with the "Provincial Re-guarantee in Shandong Province", the part of the liability of the municipal financing guarantee institutions to the banks. The municipal financing guarantee institution shall apply to the provincial investment and financing guarantee group for compensation funds in accordance with the relevant provisions of the Interim Measures for the Administration of Provincial Re-guarantee Risk Compensation Funds of Shandong Province. Municipal financial guarantee institutions in July each year, the following year, within 10 days of the beginning of January to the Municipal Finance Bureau to submit a guarantee compensation fund application report; ② Municipal Finance Bureau of municipal financial guarantee institutions compensation fund application report for compliance audit, the municipal financial guarantee institutions issued compensation fund disbursement notice.

Contact: Municipal Finance Bureau, Municipal Financing Guarantee Group

Contact Tel: 0535-6688020, 0535-6611611

2. Government financing guarantee institutions, re-guarantee institutions to meet the eligibility of small and micro-enterprises, the "Three Rural" subject of the new government The governmental financial guarantee institutions and re-guarantee institutions are exempted from guarantee fees and re-guarantee fees for qualified small and micro enterprises and "three rural" subjects. The free part of the governmental financial guarantee institutions shall be subsidized by the financial departments at the same level by arranging special funds in their budgets. Guarantee companies to carry out entrepreneurial guarantee loan business, free of enterprise and personal guarantee fees, guarantee fees by the same level of the financial sector in accordance with the policy of entrepreneurial guarantee loans.

Policy basis: "Notice on the exemption of guarantee fee for governmental financial guarantee institutions" (Yan Cai Jin [2021] No. 33)

Application process: Qualified small and micro-enterprises are instantly processed when they conduct business in governmental financial guarantee institutions.

Contact: Municipal Financing Guarantee Group, Municipal Finance Bureau

Contact Tel: 0535-6617116, 0535-6688020

3. For loans issued by banking financial institutions to small and micro-enterprises (excluding loans guaranteed by financing guarantee institutions) recognized as non-performing parts, municipal risk compensation funds will be given to the loans issued by banking financial institutions established in the Yantai City area. The municipal risk compensation fund will provide 30% loss compensation of the loan principal to the banking financial institutions established in the Yantai city area.

Policy basis: "Notice on the Revision of Interim Measures for the Administration of Yantai City's Risk Compensation Funds for Small and Micro Enterprises' Loans" (Yantai Finance [2021] No. 34)

Application process: ① Banking financial institutions, after the overdue loans of small and micro enterprises have been recognized as non-performing, will uniformly summarize the situation of non-performing small and micro enterprises' loans of the various branches within the system that are eligible for compensation, and report the application for risk compensation to the municipal financial institutions at the end of each quarter. risk compensation applications submitted to the municipal finance group for preliminary examination; ② municipal finance group in the receipt of non-performing loan compensation application materials submitted by banking financial institutions, within 10 working days to complete the audit, and will inform the audit results to the banking financial institutions, banking financial institutions can apply for review of the audit results; ③ municipal finance group in accordance with the municipal risk compensation fund disbursement plan for the disbursement of funds.

Contact: Municipal Finance Group, Municipal Bureau of Industry and Information Technology, Municipal Local Financial Supervision Bureau

Contact Tel: 0535-6887376, 0535-6243871, 0535-6789130

4. Scientific and technological achievements in the transformation of loans to the implementation of the filing of the management, in line with the conditions of the filing of the risk of compensation into the scope. Provincial finance according to the filing of the loan bad principal to give 35% of the risk compensation; municipal risk compensation ratio determined by the city according to the actual situation, in principle, not less than the filing of the loan bad principal of 35%. The remaining loan losses are borne by the lending bank.

Since 2021, the annual balance of loans for the transformation of scientific and technological achievements for a single enterprise to be included in the risk compensation has been raised from no more than 10 million yuan to 20 million yuan.

Policy basis: "Shandong Province, scientific and technological achievements into loan risk compensation operating guidelines" (Lu Ke word [2021] No. 19) "on the increase of Shandong Province, scientific and technological achievements into loan risk compensation filing amount notice" (Lu Ke word [2021] No. 33)

Application process: ① Banks to the enterprise after the issuance of the loan within three months through the Shandong Province, science and technology level results of transformation loan management system for the record, the Municipal Science and Technology Bureau is responsible for accepting, reviewing the application for the record, and quarterly summary of the loan filing information and submit the record material to the Provincial Science and Technology Department, the Provincial Science and Technology Department review and announcement; ② in the event of a loan overdue recognition of the bad, the lending bank first to the underwriting insurance (guarantee) company to apply for compensation, compensation is not enough to cover the loss of principal, within 3 months through the platform to apply for risk compensation; no If there is no underwriting insurance (guarantee) organization, it will apply for risk compensation directly to the Municipal Science and Technology Bureau. After approval by the Municipal Science and Technology Bureau, confirm the loss and the amount of risk compensation funds at the provincial and municipal levels, issue an official report and submit it to the Provincial Science and Technology Department for review; ③ Provincial Science and Technology Department issues a provincial risk compensation plan and submits it to the Provincial Department of Finance, and the Provincial Department of Science and Technology allocates it to the lending bank after the Provincial Department of Finance issues a risk compensation fund plan. At the same time, the Municipal Bureau of Science and Technology issues the municipal risk compensation fund plan and submits it to the Municipal Bureau of Finance, and the Municipal Bureau of Finance disburses the municipal risk compensation fund; ④ After the recovery of the loss of the principal amount of the non-performing loans, the principal amount must be returned in the same year in accordance with the original ratio and the original channel. Obtain risk compensation for non-performing loan principal by due diligence to determine the recovery is not possible, the lending bank for loan write-off and to the record of the Municipal Bureau of Science and Technology to submit an application for risk compensation write-off, the Municipal Bureau of Science and Technology audit reported to the Provincial Science and Technology Department for review. Provincial Department of Science and Technology review regularly issued risk compensation write-off announcement and reported to the Provincial Department of Finance.

Contact: Municipal Science and Technology Bureau

Contact Tel: 0535-6786611

5. The science and technology-based small and medium-sized enterprises from the commercial banks to obtain loans for the transformation of scientific and technological achievements to give a certain percentage of the one-time interest subsidies. Loan interest subsidies according to the enterprise to complete the repayment of principal and interest payments, the actual payment of interest on the loan of 40% of the subsidy, the maximum subsidy of 500,000 yuan per enterprise. The actual payment of interest on the loan is subject to the proof of payment of interest by the enterprise, and each enterprise is only entitled to one interest subsidy.

Policy basis: "Shandong Province, the transformation of scientific and technological achievements loan subsidy implementation rules (provisional)" (Lu Ke word [2021] No. 82)

Application process: loan subsidies through the online way to apply for the enterprise to log in the Shandong Province Science and Technology Cloud platform to fill in the requirements. Municipal Science and Technology Bureau of the enterprise to fill in the loan subsidy declaration information for review and submit to the Provincial Science and Technology Department for review. Provincial Science and Technology Department of the loan subsidy declaration information to the applicant enterprise loan bank review, and according to the provincial science and technology funds disbursement process unified disbursement of subsidized funds.

Contact: Municipal Science and Technology Bureau

Contact Tel: 0535-6786611

6. Provincial finance for eligible intellectual property rights (patents) pledge financing a single loan, in accordance with the loan contract signing date of the last month of the one-year Loan Market Quotation Rate (LPR) of the 60% of the interest rate to give subsidy support for the amount of subsidy of interest for each enterprise per year of declaration of the maximum amount of not more than 500,000 yuan. The maximum amount of interest subsidy for each enterprise for each filing year shall not exceed 500,000 yuan. The evaluation or value analysis fee of intellectual property rights (patent rights) incurred by the enterprise due to the loan will be subsidized at 50% of the confirmed incurred amount, with the maximum subsidy not exceeding 50,000 yuan per enterprise per reporting year.

Policy basis: "Shandong Province Market Supervision Administration People's Bank of China Jinan Branch on the issuance of "Shandong Province, small and medium-sized micro-enterprise intellectual property rights pledge financing subsidy guide" notice (Lu City Supervision issued [2021] No. 9)

Application process: the enterprise according to the loan contract agreed to repayment of the principal and interest payments by the Municipal Market Supervision Bureau of the unified organization and make a declaration.

Contact: Municipal Market Supervision Bureau

Contact Tel: 0535-6242967

7. Adopting the government-funded establishment of a special risk compensation fund as a means of credit enhancement of the loans of the contractor bank, with small and medium-sized micro-enterprises of foreign trade enterprises as the focus of support for the previous year's exports of less than 20 million U.S. dollars and the total turnover of 200 million yuan below the With the support of small and medium-sized foreign trade enterprises as the focus, it issues loans not higher than the benchmark interest rate and assumes a limited compensation responsibility for foreign trade export enterprises with an export credit risk protection provided by insurance institutions, which underwrite the political or commercial risks faced by the enterprises' export accounts receivable. Enterprises apply for loans voluntarily, and the contractor banks independently examine the loans. In case of principal loss, it will be compensated by the credit insurance, banks and special funds in accordance with the prescribed ratio and within the limit.

Policy basis: "Shandong Province" Lu trade loan "financing business implementation measures (for trial implementation)" (Lu business word [2020] No. 28)

Application process: enterprises according to the needs of their own financial institutions to the contractor to put forward financing applications. At present, there are 138 financial institutions in total, including the Export-Import Bank of China, five large state-owned banks such as Industrial and Commercial Bank of China, 14 provincial city banks such as Bank of Yantai, five joint-stock banks such as China Merchants Bank and Hengfeng Bank, 110 agricultural and commercial banks such as Yantai Agricultural and Commercial Bank, and the China Export and Credit Insurance Corporation, People's Insurance Company of China, and Pacific Insurance Company.

Contact: Municipal Bureau of Commerce

Contact Tel: 0535-6016737

Two, to increase support for enterprise capital market financing

8. Through the Yantai capital market open innovation and development of the guiding funds for the restructuring of the enterprise, listing, listing, mergers and acquisitions and reorganization and the reduction of natural shareholders of the original restricted shares, securities and futures institutions to set up business institutions in the city. Institutions to set up business institutions in the city to give subsidies.

Policy basis: "Notice on the policy of further supporting enterprises to dock the capital market to accelerate the listing of listed companies" (Yantian Government Office [2019] No. 15)

Application process: before April 30 each year, enterprises meeting the conditions of the subsidy are required to submit the declaration materials, which will be summarized by the local financial supervisory bureaus of their districts and municipalities, and then together with the financial departments of the same level, will issue an audit opinion and submit it to the city's Local Financial Supervision Bureau. After summarizing the declaration materials, the municipal local financial supervision bureau will put forward the audit and subsidy opinions and submit them to the municipal finance bureau. If necessary, the Municipal Local Financial Supervision Bureau may commission a third-party professional organization to conduct the audit and determination. Municipal Finance Bureau according to the City Local Financial Supervision Bureau subsidy opinion, the allocation of guidance funds municipal part.

Contact: City Local Financial Supervision Bureau

Contact Tel: 0535-6789167

9. Private equity funds and their fund managers are registered in Yantai, complete the registration of the China Securities and Investment Funds Association, and submit the relevant application materials in accordance with the provisions of the approval of the approval of the financial subsidies or tax breaks.

Policy basis: "Yantai City to support the construction of regional fund management centers to carry out fund management services special reform and innovation policies and measures" (Yantai Government Office [2018] No. 23)

Application process: before April 30 each year, enterprises eligible for subsidies to submit the required declaration materials, summarized by the local financial supervision bureau of the district and city, in conjunction with the same level of the financial sector to issue a Audit opinion, reported to the municipal local financial supervision bureau. After summarizing the declaration materials, the municipal local financial supervisory bureau will put forward the audit and subsidy opinions and submit them to the municipal finance bureau. If necessary, the Municipal Local Financial Supervision Bureau may commission a third-party professional organization to carry out the audit and determination. Municipal Finance Bureau according to the City Local Financial Supervision Bureau subsidy opinion, the allocation of subsidies for the municipal part of the funds.

Contact: Municipal Local Financial Supervision Bureau

Contact Tel: 0535-6789167

Three, to increase financial support for inclusive finance

10. Convert the extension of support tools for inclusive small and micro-enterprise loans to inclusive small and micro-enterprise loan support tools. From 2022 to the end of June 2023, the People's Bank of China will fund 1% of the incremental loan balance of the inclusive small and micro loans issued by local legalized financial institutions.

Policy basis: "The People's Bank of China on the two direct monetary policy tools conversion and succession of continued support for the development of small and micro-enterprise related matters" (Yinfa [2021] No. 344)

Application process: ① Since 2022, the local legal person financial institutions in the form of an official document to the local People's Bank of China branch by the 10th day of the first month after each quarter application; ② People's Bank branches of the quarterly balance of inclusive small and medium-sized loan incremental review. Local corporate financial institutions branch of the People's Bank of China on the quarterly balance of inclusive small and medium-sized loan incremental preliminary examination, to determine the amount of the principal amount of the swap, and submitted to the higher People's Bank of China for finalization.

Contact: People's Bank of China Downtown Sub-branch

Contact Tel: 0535-3577739

Fourth, support enterprises to increase innovation and entrepreneurship

11. "Talent Loan" refers to the cooperative banks to provide, under the premise of risk-controllable and commercial sustainability, specialized in high-level talent or business. Under the risk-controlled, commercially sustainable premise, specifically for high-level talents or their long-term enterprise to carry out the transformation of scientific and technological achievements and innovation and entrepreneurial activities of unsecured, unsecured credit products. The scope of "Talent Loan" loan recipients is determined by each district and city. Among them, the "Talent Loan" loan objects included in the scope of municipal risk compensation are high-level talents holding Shandong Province "Huicai Card" or Yantai City "Excellent Talent Card" or enterprises registered within the administrative area of Yantai City. The company is registered in the administrative area of Yantai City.

Policy basis: "on the issuance of the" Yantai "talent loan" risk compensation fund management measures "notice" (Yantai gold supervisory word [2021] No. 13)

Application process: holders of Shandong Province" Huicai card "or Yantai City" superior talent card "superior talent card". At present, the "talent loan" business record a total of 14 banking institutions, including the Bank of China, Yantai Agricultural and Commercial Bank and other 8 agricultural and commercial banks, Rizhao Bank and other 3 city commercial banks, Penglai Minsheng Village Bank and other 2 village banks.

Contact: Municipal Local Financial Supervision Bureau

Contact Tel: 0535-6789226

12. Guaranteed loans for entrepreneurship refers to individual entrepreneurs or small and medium-sized enterprises as borrowers with prescribed conditions, guaranteed by the Guarantee Fund for Guaranteed Loans for Entrepreneurship and issued by banking financial institutions handling such loans, with interest rates subsidized by the financial sector, and used to support individual entrepreneurs or small and medium-sized enterprises as borrowers. The loans are used to support individual entrepreneurship or employment expansion of small and micro enterprises. Qualified individual borrowers can apply for a maximum of 200,000 yuan of guaranteed loans for entrepreneurship, qualified corporate borrowers can apply for a maximum of 3 million yuan of guaranteed loans for entrepreneurship, personal and small and micro-enterprise guaranteed loans for entrepreneurship interest, LPR-150BP or less, the part of the borrower and the borrowing enterprise, the remaining part of the financial subsidy.

Policy basis: "Shandong Province Entrepreneurial Guaranteed Loan Implementation Measures" (LU Renmin Social Word [2020] No. 27) "on the forwarding of the "on further increasing the entrepreneurial guaranteed loan subsidies to fully support the key groups of entrepreneurship and employment of the notice" (LU Caijin [2020] No. 25)

Application process: the borrower individuals, borrowing enterprises to the entrepreneurial place of human resource Social security department to apply, human resources and social security department to review the qualification audit, through the qualification audit of the individual or enterprise recommended to the cooperative bank for loan applications. At the same time, you can also declare online, log on to the website of Yantai Human Resources and Social Security Bureau, through the "Yantai Human Resources and Social Security Online Office" or "Smart Human Resources and Social Security" to declare.

Contact: Municipal Bureau of Human Resources and Social Security, People's Bank of China Downtown Branch

Contact Tel: 0535-6905298, 0535-3577735

13. Fully protect the credit rights and interests of the main body of the information affected by the epidemic of new coronary artery disease, for the "infected with new coronary artery disease hospitalized in hospitals or quarantine We will provide financial support for the four categories of information subjects: "people hospitalized or quarantined for treatment or quarantine for infection of Candidatus Sinensis pneumonia, people in need of isolation and observation for the prevention and control of the epidemic, staff participating in the prevention and control of the epidemic, as well as individuals and enterprises affected by the epidemic and temporarily deprived of their sources of income".

Policy Basis: "Notice of Transmitting the Relevant Documents of the Guidance of the General Office of the People's Bank of China on the Guiding Opinions on the Protection of Credit Rights and Interests during the Prevention and Control of the New Crown Pneumonia Epidemic" (No. 42 of Yen-Yin-Fa [2020])

Application Procedure: ①Persons who are hospitalized or quarantined due to the infection of the new Crown Pneumonia, people who are under quarantine observation for the prevention and control of the new Crown Pneumonia epidemic and staff members who are involved in the prevention and control of the new Crown Pneumonia epidemic can apply to the access institution for overdue financial support. staff can apply to the access agency to adjust the overdue credit record, and submit the application materials and the necessary supporting materials; ② affected by the new crown of pneumonia epidemic temporarily lost the source of income of individuals and enterprises, you can apply to the access agency to adjust the overdue credit record, and in accordance with the requirements of the access agency to provide the affected by the new crown of pneumonia epidemic temporarily lost the source of income of the relevant materials.

Contact: People's Bank of China Downtown Branch

Contact Tel: 0535-3577873