主要内容：1. 专项资金贴息的个人创业担保贷款，最高贷款额度为20万元，贷款期限最长不超过3年，银行可一次性给予授信。专项资金贴息的创业担保贷款利率可在贷款合同签订日贷款市场报价利率（LPR）的基础上加点，具体标准为万州区、开州区、黔江区、彭水县、武隆区、丰都县、城口县、云阳县、奉节县、巫山县、巫溪县、石柱土家族自治县、酉阳土家族苗族自治县、秀山土家族苗族自治县加点不超过250BP，其他区县加点不超过150BP。具体贷款利率由经办银行根据借款人的经营状况、信用情况等与借款人协商确定；

    2. 创业担保贷款财政贴息，在国家规定的贷款额度、利率和贴息期限内，按照实际的贷款额度、利率和计息期限计算。对2020年12月31日后新发放的符合条件的个人创业担保贷款利息，LPR-150BP以下部分，由借款人承担，剩余部分财政给予贴息。原则上，对展期、逾期的创业担保贷款不予贴息。

    适用条件：1. 借款人以个人名义申请创业担保贷款必须同时具备下列4项条件：（1）创业前为城镇登记失业人员、城乡低保人员、城镇零就业家庭成员、残疾人、复员转业退役军人、刑满释放人员、高校毕业生、化解过剩产能企业职工和失业人员、脱贫人口，或为网络商户、农村自主创业农民。（2）借款申请人在申请借款时已实际创业，即已办理工商注册登记或被认定为网络创业人员。（3）创业项目必须位于重庆市辖区。除高校毕业生外，借款人应具有重庆市户籍。（4）无不良信用记录，除助学贷款、扶贫贷款、住房贷款、购车贷款、5万元以下小额消费贷款（含信用卡消费）以外，在提交创业担保贷款申请时，本人及配偶无其他未清偿贷款；

    2. 借款申请人创办的个体工商户应不属于国家淘汰 类、限制类产业范畴，具体项目参考《产业结构调整 指导目录（2019年本）》（中华人民共和国国家发展和改革委员会令第29号）；

    3. 申请材料：（1）填写《重庆市创业担保贷款申请表》（个人）；（2）本人身份证（首次申请出示）；（3）复员转业退役军人需出示本人退伍证，刑满释放人员需出示本人释放证明书，高校毕业生需出示毕业证；

    （4）若是合伙创业担保贷款申请，除了填写《重庆市创业担保贷款申请表》（合伙），还需提供包含股东信息、股东人数、入股方式、股权分配和利润分红 等内容的合伙协议。

    依　　据：1.《重庆市财政局关于印发〈重庆市普惠金融发展专项资金管理办法〉的通知》（渝财规〔2020〕10号）；

    2.《关于加大创业担保贷款支持力度的通知》（渝人社〔2021〕236 号）。

    申请渠道：

    1. 线上：个人创业担保贷款申请可通过“重庆人社”APP、重庆“智能就业”微信小程序、重庆市人力资源和社会保障局官网等网络渠道办理；

    2. 线下：个人创业担保贷款申请现场办理地点包括贷款申请人创业所在地、户籍所在地乡镇（街道）公共就业创业服务机构（以下简称“服务机构”）或经办银行营业网点。

    咨询方式：023-12333。

Business startup guaranteed loan

    Main content: 1. Individual entrepreneurial guaranteed loans subsidized by special funds, with a maximum amount of RMB200,000 and a maximum period of three years, to be issued by bank in lump sum. The startup guaranteed loan interest rate with specially-funded interest discount may be increased or decreased on the basis of the loan prime rate (LPR) at the loan market on the date when the loan contract is signed. The standard varies in different areas, with the interest increase or decrease range not exceeding 250 BP in Wanzhou district, Kaizhou district, Qianjiang district, Pengshui county, Wulong district, Chengkou county, Yunyang county, Fengjie county, Wushan county, Wuxi county, Shizhu Tujia minority autonomous county, Youyang Tujia and Miao minorities autonomous county, and Xiushan Tujia and Miao minorities autonomous county, and not more than 150 BP in all other districts and counties of Chongqing. The lending rate is a matter for negotiation between the borrower and the handling bank according to the borrower's operation state and credit standing;

    2. The financial subsidy for startup guaranteed loans is calculated on the basis of the actual loan amount, interest rate and interest-bearing time limit within the loan amount, interest rate and interest discount period stipulated by relevant national standards. For the interest on startup guaranteed loans issued for eligible individuals after December 31, 2020, the portion below LPR-150BP shall be borne by the borrowers, and the remaining portion will be given a financial discount. In principle, there is no subsidy on interest payment for rolled-over or overdue startup guaranteed loans.

    Scope of application: 1. Borrowers applying for guaranteed loans to start up businesses in their own names must meet the following four conditions at the same time: (1) registered as urban unemployed personnel, urban and rural low-income groups, urban zero-employment family members, people with disabilities, demobilized soliders and veterans, prisoners released, college and university graduates, employees laid off due to overcapacity, and people who have got rid of poverty, online sellers, or rural self-employed farmers before starting a business. (2) The loan applicant has actually founded a business at the time of applying for a loan, i.e., has handled the procedures for business registration or is recognized as e-commerce startups. (3) The startup project must be located in Chongqing. Except for college and university graduates, the borrower shall have a registered permanent residence in Chongqing. (4) No bad credit records. Except for student loans, poverty alleviation loans, housing loans, auto loans, and less than RMB50,000 petty consumer loans (including credit card spending), the borrower and his/her spouse shall not have any other outstanding loans at the time of submitting the application for startup guaranteed loans;

    2. The individual businesses founded by loan applicants shall not fall into the category of national elimination and restriction industries. For program details, refer to the Guidance Catalog for Industrial Structure Adjustment (2019 edition) (No. 29 Decree of the National Development and Reform Commission);

    3. Application materials: (1) Fill out the Chongqing Startup Guaranteed Loan Application Form (for enterprises); (2) the applicant's ID card (to be presented for first application); (3) a discharge permit (armed services discharge papers) required if the applicant is a demobilized soldier or veteran; a release certificate required if the applicant is a former prisoner; a graduation certificate if the applicant is a college or university graduate;(4) In case of application for guaranteed loans for joint entrepreneurship, in addition to filling out the Chongqing Startup Guaranteed Loan Application Form (partnership), it is also necessary to provide a partnership agreement containing information on the shareholders, number of shareholders, way of shareholding, equity distribution, profit sharing, etc.

    Legal basis: 1. Notice of Chongqing Municipal Finance Bureau on Issuing Management Measures of Chongqing Municipality for Inclusive Financial Development Special Funds (YCG[2020] No.10);

    2. Notice on Increasing Support for Startup Guaranteed Loans (YRS(2021) No.236).

    Source of application: 1. Online: Applications for individual entrepreneurship guaranteed loans via the "Chongqing Human Resources and Social Security Bureau" APP, Chongqing "Intelligent Employment" WeChat applet, and the official website of Chongqing Human Resources and Social Security Bureau, among other channels;

    2. Offline: The application for individual entrepreneurship guaranteed loan is processed on-site at the location of business startup, the township (sub-district) public employment and entrepreneurship service agency at the applicant's registered permanent residence (hereinafter referred to as "service agency"), or the branch office (outlet) of the handling bank.

    Service hotline: 023-12333.