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温州创业担保政策 惠及大批单位个人
2017-09-07 07:26:58 中国青年网
近日,温州市人力社保局对前阶段创业担保贷款工作出色的永嘉农商银行和瓯海农商银行进行了“温州创业担保贷款示范银行”授牌。
创业担保政策是温州市今年以来最具含金量的创业扶持政策之一,主要面向2015年1月1日以后初次创业人员(不包括已与用人单位建立劳动关系兼职创业人员)、登记注册3年内的企业和民办非企业单位的法定代表人、个体工商户经营者,在劳动年龄内且个人信用记录良好的可申请创业担保贷款。其中,在校大学生和毕业10年以内高校毕业生、城镇复退军人、持证残疾人等人群,被列为创业担保贷款对象的“重点人群”,由创业担保基金提供担保贷款;其他人群以抵押、质押等方式提供担保贷款,到期后予以一定贴息。
温州市创业担保贷款工作自启动以来,各有关部门积极推进,取得了明显成效。市区层面成立了3亿元规模的创业担保基金,优惠力度全省领先。如贷款对象方面,创业担保贷款重点人群从毕业5年以内的高校毕业生扩大到毕业10年以内的高校毕业生,创业担保贷款企业从小微企业扩大到中小微企业(包括民办非企业单位);贷款额度方面,合伙经营或创办企业的(股份占30%以上)最高可贷60万元,符合条件的中小微企业最高可贷500万元;降低门槛方面,打破创业担保贷款不得有其他商业贷款的门槛限制,允许创业者在未清偿其他类贷款的同时申请创业担保贷款。
截至7月底,温州市共贷出创业担保贷款金额5043万元,共有147个符合条件的个人或企业享受到优惠政策。
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