Legal analysis: for all kinds of people to start small and micro-enterprises for the first time, after October 1, 2013 to register to receive an enterprise business license, normal operation and in the founding of the enterprise to pay social insurance premiums (i.e., basic old-age insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance) for 12 months of entrepreneurs (leaving the entrepreneurship of colleges and universities, scientific research institutions and other institutions professional and technical personnel to participate in insurance, except for the original unit) issued 12,000 yuan of one-time entrepreneurial subsidies. The entrepreneurs (except professional and technical personnel of universities, research institutes and other institutions who have left their posts to start their own businesses and are insured in their original units) will be granted a one-time entrepreneurial subsidy of 12,000 yuan. The above successful entrepreneurs to recruit unemployed persons and college graduates within 2 years of graduation of the city's origin, and signed with them a labor contract of 1 year and above, for which they pay social insurance premiums for more than 4 consecutive months in the enterprise they founded, can be given `one-time entrepreneurial job development subsidy of 2,000 yuan for each job in accordance with the number of jobs created at the time of applying for the job development subsidy.
Normal operation means that the enterprise pays monthly wages and salaries not lower than the local minimum wage standard to the recruited personnel and has normal business income.
Legal basis: General Office of Jinan Municipal Party Committee General Office of Jinan Municipal Government Several Policy Opinions on Actively Responding to the Epidemic and Promoting the Healthy Development of Small, Medium and Micro Enterprises
Article 1 Ensure that the balance of credits for small, medium and micro enterprises rises steadily. Strictly implement the credit policy during the national epidemic prevention and control, guide the banking institutions to increase support for small, medium and micro enterprises, to ensure that the growth rate of loans to small, medium and micro enterprises in 2020 is not lower than the average growth rate. For small, medium and micro enterprises that have been greatly affected by the epidemic and whose funds are temporarily in trouble, banking institutions are strictly prohibited from withdrawing, cutting off or suppressing loans.
Second, reduce the financing costs of small, medium and micro enterprises. Encourage the banking institutions to take appropriate downward adjustment of lending rates, increase credit loans and medium- and long-term loans and other ways to increase support for small and medium-sized micro-enterprises, especially for the epidemic prevention and control of materials focus on the production of enterprises, in the original level of lending interest rates floated more than 10%. The banking institutions to establish, start the rapid approval channel, simplify the business process, and effectively improve the efficiency of business processing.
The third article to provide personalized financial support. For each banking institution in the city during the epidemic prevention and control of small and medium-sized micro-enterprise loans, all included in the city's small and medium-sized micro-enterprise loan risk compensation project library. In line with the interest rate policy of small and medium-sized micro-enterprise loans, according to the policy requirements to give the highest standard of interest rate support. Policy financing guarantee institutions to increase support for small and medium-sized micro-enterprises, guarantee fee rate of no more than 0.8%, cancel the counter-guarantee requirements. Fully utilize the digital financial "one loan" financing platform "101" model, to provide faster and more convenient financing channels for small and medium-sized micro-enterprises.