Government subsidized loans subsidized interest how to issue

Subsidized interest loans is that the borrower from the commercial bank to obtain a loan of interest by the relevant government agencies or civil society organizations to bear all or part of the burden, the borrower only need to return the principal or a small portion of the interest in accordance with the agreement. This approach is essentially an encouragement or support from the government or civil society organization to the borrower.　The general process of applying for a loan for individuals eligible for a small guaranteed loan includes four steps: voluntary application, review and recommendation, commitment to guarantee and disbursement of the loan. Voluntary application. Eligible applicants apply in writing to the grass-roots employment platform where their household or business is located (or in some cases, directly to the local human resources and social security department or microloan guarantee institution), and submit relevant information, documents or relevant certificates.

Examination and recommendation. The human resources and social security departments to carry out qualification examination, the examination of qualified recommended to the microcredit guarantee institutions. Guarantee agency refers to the guarantee agency entrusted with the operation of the microcredit guarantee fund in accordance with the relevant provisions. Commitment Guarantee. The guarantee institution examines the applicant's project in accordance with the relevant regulations and goes through the procedure of commitment guarantee for those who meet the conditions. Loan issuance. For the borrower applicants guaranteed by the guarantee institution, the bank in charge shall sign the contract and issue the loan after approval in accordance with the relevant regulations. Banks are financial institutions of all levels and types that have signed cooperation agreements with microcredit guarantee institutions to carry out micro-guaranteed loan business.

Application for government subsidized loans need to meet the following conditions: 1, Chinese citizens with full civil capacity and age 18-65 years old; 2, good credit (2 years shall not be even three six), no illegal and disciplinary behavior; 3, the bank requires other materials; 4, submit an application to the relevant proof of household registration, and to provide the relevant conditions; 5, the local government or the local protection bureau Will be the borrower of the relevant information to rank; 6, guaranteed lending institutions or banks to review the borrower; 7, the borrower to meet the requirements of the government subsidized interest rate, etc..

Introduction of the fiscal subsidy:

A, the use of fiscal subsidy benefits are: ① with less financial resources can attract a large amount of social capital to ensure that the national key construction funds. ② Because of the financial subsidies for the first national key construction projects, and therefore conducive to the adjustment of the investment structure, the rationalization of industrial structure. ③It is conducive to reducing the cost of products and increasing the profit of enterprises, which is also conducive to increasing the fiscal revenue. ④ Different interest rates are applied to different industries, which is conducive to the establishment of a reasonable interest rate system and the indirect regulation of production and consumption.

Two, on the relevant policies on how to effectively solve the epidemic prevention and control materials to protect the key enterprise funds, the person in charge said, the five departments jointly issued a document reflecting the significant decline in the cost of enterprise financing. Financial and financial synergy, in the central bank special refinancing and central financial subsidies *** with support, the actual cost of enterprise financing fell to less than 1.6%, the enterprise will be more motivated and funds to expand production capacity, full production, to protect the supply. Expand the scope of support. By the current medical, life substance production enterprises, expanding to the important raw and auxiliary materials production enterprises, important equipment manufacturing enterprises and related supporting enterprises, important medical material storage enterprises into the scope of support.