State support for small and micro interest-free loans is the main content of the State Council's Opinions on Supporting the Healthy Development of Small and Micro Enterprises: (1) Financial support: First, the central government will expand the scale of special funds for small and medium-sized enterprises from 654.38+0.287 billion yuan to 654.38+0.465438+07 billion yuan, and will increase the total scale of funds year by year; Second, the central government arranged 654.38+0.5 billion yuan to set up a national SME development fund, which is mainly used to guide local and venture capital institutions and other social funds to support small and micro enterprises in the initial stage. (2) Financing guarantee services: First, guarantee institutions that mainly provide loan guarantees for small and medium-sized enterprises and whose annual new guarantee business amount reaches more than three times their net assets can continue to enjoy the preferential policy of exemption from business tax for three years; Second, through the risk subsidies and premium subsidies of central financial funds, guarantee institutions are encouraged to increase the scale of small and micro enterprise guarantee business and reduce the guarantee fees of small and micro enterprises; The third is to promote the development of re-guarantee institutions and strengthen their functions of diversifying risks and increasing credit.
2. How much can a manufacturer borrow with interest-free loans?
Many can borrow 300 thousand, which is about five years.
Three. Interest-free loan conditions for SMEs
Legal analysis: 1. Enterprises applying for interest-free loans that have been approved and registered by the administrative department for industry and commerce and passed the annual inspection. 2, the enterprise has a sound management system and administrative system, the enterprise financial management organization is orderly, the internal structure of the enterprise is clear, and each post is fully equipped. 3. The enterprise is in good operating condition, has sufficient repayment ability, and its own debt does not exceed the standard. At the same time, corporate reputation is also very important, so as to ensure timely repayment. 4. Enterprises have certain core competitive advantages in brand, reputation and technology in the market, which can drive economic development and create economic and social benefits.
Legal basis: People's Republic of China (PRC) Commercial Bank Law.
Article 34 Commercial banks should conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies.
The purpose, repayment ability and repayment method of Article 35 should be strictly examined.
Commercial bank loans are subject to separation of examination and loan.
Article 39 A commercial bank shall abide by the following provisions on the management of the ratio of assets to liabilities when granting loans: (1) The ratio of the balance of capital-sufficient assets to the balance of current liabilities shall not be less than 25%; (3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%. (4) Other provisions of the State Council Banking Regulatory Department. If a commercial bank established before the implementation of this Law does not conform to the provisions of the preceding paragraph, it shall conform to the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.