最高可贷500万元,深圳发布创业担保贷款新规
![](http://www.yowoyw.com/wp-content/uploads/2024/07/360截图20240719150900560.jpg)
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。
.......................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................