最高可贷500万元，深圳发布创业担保贷款新规
笔者从最新一期政府公报了解到，为加大对初创企业和小微企业的融资支持力度，发挥创业带动就业的倍增效应，深圳制定《深圳市创业担保贷款管理办法》（下称《办法》），持续对初创企业和小微企业提供政策性融资支持。
贷款额度上限与吸纳就业人数挂钩
据悉，《办法》重点扶持对象范围由深圳户籍人员调整为登记失业人员、就业困难人员（含残疾人）、退役军人、刑满释放人员、高校毕业生、职业院校毕业生、技工院校毕业生、化解过剩产能企业职工和失业人员、网络商户、脱贫人口、农民，继续保留港澳台居民，取消重点扶持对象户籍限制，惠及面更广。
在吸纳就业方面，经营主体带动5人以上就业的，个人贷款和小微企业贷款额度最高分别为60万元和500万元。带动5人以下就业的，个人贷款和小微企业贷款额度最高为30万元和400万元。
调整小微企业贷款相关要求。小微企业吸纳就业的对象范围必须是重点扶持对象，吸纳比例从20%降为10%，超过100人的企业吸纳就业的比例从10%降为5%。小微企业贷款最长期限从3年调整为2年。
调整利率分担机制。个人贷款和小微企业贷款利率上限仍为LPR+50BPs，但是财政贴息标准调整为贷款实际利率的50%。
明确创业担保贷款用途
《办法》增加贷后管理的要求。一是明确创业担保贷款用途。创业担保贷款应当用于企业生产经营活动及企业的发展，不得用于个人消费支出以及股票、债券、基金、房产等其他非生产经营性支出。经查核存在上述情形的，财政资金不予贴息及代偿。二是明确因经办银行、担保机构未充分履行本办法相关职责规定，导致创业担保贷款发放错误或产生坏账、或多发、错发贴息资金等后果，责任由经办银行、担保机构承担。
在贷款额度要求方面，提交贷款申请时，除助学贷款、扶贫贷款、住房贷款、购车贷款、10万元以下小额消费贷款（含信用卡消费）以外，个人借款人及其配偶应没有其他贷款。
在贷款期限方面，个人借款人及其创业主体在同一贷款期限不能同时享受个人贷款和小微企业贷款。
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