I have sorted out the loan discount policies for small and medium-sized enterprises in Hubei Province. Many policies have been released to promote the vitality of the market economy and help enterprises develop. Friends who want to apply can directly study this article, hoping to help you tide over the difficulties:
1. Implement loan interest discounts for "first-time loan households"
In-depth promotion of the special action to expand the first loan of small and medium-sized enterprises (including individual industrial and commercial households), and add 150,000 "first loan households" in 2022. Guide the government to reduce the loan interest rate of "first-time loan households", encourage financial institutions and cities and counties to support "first-time loan households" in 2022 in accordance with the model of "government reduction and exemption + government discount", and the provincial finance shall follow the actual situation of each region 50% of the interest discount amount will be subsidized, and those who have already enjoyed the fiscal interest discount policy will no longer enjoy the "first loan household" discount. (Responsible units: Provincial Department of Finance, Wuhan Branch of the People's Bank of China, Hubei Banking and Insurance Regulatory Bureau, Provincial Local Financial Supervision Bureau, and the people's governments of cities, states and counties)
2. Supporting the Development of Difficult Industries with Loan Interest Discounts
For difficult industries such as transportation, accommodation and catering, culture, sports and entertainment, tourism, retail, logistics and warehousing that use bailout fund loans, the city and county finances will provide interest discounts, and provincial finances will discount interest on loans from August to December 2022 at a rate of 2 % will be rewarded. (Responsible units: Provincial Department of Finance, People's Governments of cities, states and counties)
3. Increase loan discounts for scientific and technological innovation, carbon emission reduction support tools, etc.
From August to December 2022, cities and counties will grant 1% to small, medium and micro enterprises and personal loans driven by monetary policy tools such as scientific and technological innovation re-loans, carbon emission reduction support tools, support for clean and efficient use of coal, and transportation and logistics re-loans. interest discounts (financial interest discounts shall not be enjoyed repeatedly). The provincial finance subsidizes 30% of the subsidized interest amount of each locality. (Responsible units: Wuhan Branch of the People's Bank of China, Provincial Department of Finance, Provincial Development and Reform Commission, Provincial Department of Science and Technology, Provincial Department of Economy and Information Technology, Provincial Department of Transportation, Provincial Department of Ecology and Environment, Hubei Banking and Insurance Regulatory Bureau, Provincial Local Financial Supervision Bureau, cities, states, County People's Government)
4. Increase incentives for corporate financing and credit enhancement support
Expand the scale of guarantees for small and medium-sized enterprises, and strive to achieve a balance of more than 220 billion yuan in the province's financing guarantee industry at the end of the year, and the province's new government-bank guarantee business to exceed 56 billion yuan. Support the establishment of an incentive mechanism for financing rewards and subsidies for accounts receivable and evidence receivable, for the core entity enterprises that connect with the accounts receivable financing service platform of the People's Republic of China Credit Information Center and help small, medium and micro enterprises through the platform For loans with a total annual loan volume of more than 10 million yuan, 0.5% of the actual loan amount will be rewarded, and the maximum reward for a single-family enterprise shall not exceed 2 million yuan. For supply chain certificates issued by core enterprises in the supply chain, 0.2% of the issued volume will be rewarded, and the annual reward for a single enterprise shall not exceed 2 million yuan. (Responsible units: Wuhan Branch of the People's Bank of China, Provincial Department of Finance, Hubei Banking and Insurance Regulatory Bureau, Provincial Local Financial Supervision Bureau)
5. Support the economic rewards and subsidies for the first store launch
From August to December 2022, all localities are encouraged to open the first store of well-known domestic and foreign brands in Hubei, the first store in China (mainland), the first store in the province, flagship store, and new format store in Exin, according to the actual occurrence A one-time award is given for the fee. Encourage all localities to provide a certain proportion of subsidies according to the actual expenses incurred by qualified enterprises in the first show activities of well-known domestic and foreign brands held in the province. . (Responsible units: Provincial Department of Commerce, Provincial Department of Finance, People's Governments of cities, states and counties)
6. Incentives for accelerated recovery of the convention and exhibition industry
From August to December 2022, for exhibition projects held in our province for more than 3 days (not including the time of exhibition installation and dismantling) and with a scale of more than 250 standard booths (each standard booth is 9 square meters), the provincial finance Give each standard booth a reward of 100 yuan. For newly introduced exhibitions with a scale of more than 500 standard booths, and the registered place of the host and organizer is not in Hubei, the standard of introducing 500 standard booths will be 60,000 yuan, and for every 500 standard booths, the reward amount will increase by 30,000 yuan RMB, and the maximum reward shall not exceed RMB 400,000. An additional reward of 100,000 yuan will be given to the exhibitions of the world's and national top 500 companies and domestic industry leaders whose booths account for more than 20% of the total number of booths; for every 10% increase in the proportion, the additional reward amount will increase by 50,000 yuan . (Responsible units: Provincial Department of Commerce, Provincial Department of Finance)
7. Rewards and subsidies for travel agencies to develop tourist source markets outside the province
For travel agencies legally established in Hubei and receiving tourists from other domestic provinces (autonomous regions, municipalities) in Hubei, the provincial finance shall rank among the top 30 in the province based on the total number of visitors received in 2022 or the average number of visitors received by travel agencies in the province in 2021 A one-time subsidy ranging from 500,000 to 1,000,000 yuan will be given to the top 50 rankings in terms of growth. The same travel agency that meets the conditions can only enjoy one of the reward and subsidy policies according to the principle of "higher, not lower". (Responsible units: Provincial Department of Culture and Tourism, Provincial Department of Finance)
8. Incentives and subsidies for the development of the road freight transport industry
From August to December 2022, a one-time reward of no more than 100,000 yuan will be given to newly qualified road freight companies above the designated size of the Ministry of Transport; For freight companies, the provincial finance will give 500,000 to 1 million yuan according to the ranking of the top 30 in the province in terms of road cargo turnover in 2022 or the top 50 in terms of the increase in the average cargo turnover of road freight companies in the province in 2021. etc. one-time subsidy. The same qualified road freight transport enterprise can only enjoy one of the reward and subsidy policies in accordance with the principle of "higher, not lower". (Responsible units: Provincial Department of Finance, Provincial Department of Transportation, People's Governments of cities, states and counties)
9. Rewards for the development of wholesale, retail and catering industry
Encourage and support the introduction of policies in various regions to reward wholesale, retail, accommodation, and catering enterprises above the new quota. Issued 50 million yuan of special consumption vouchers for the integration of wholesale and retail, and the integration of accommodation and catering, which will continue to boost consumption growth and drive the resumption of development of commercial and trade distribution enterprises. Encourage qualified places to subsidize the expenses of epidemic prevention, disinfection and other expenses of accommodation and catering market players and elderly care service institutions. (Responsible units: Provincial Department of Commerce, Provincial Department of Finance, Provincial Department of Civil Affairs, Provincial Development and Reform Commission, Provincial Bureau of Statistics, Provincial Market Supervision Bureau, Wuhan Branch of the People's Bank of China, and the people's governments of cities, states and counties)
10. Rewards and subsidies for the development of brand chain convenience stores
Encourage qualified places such as Wuhan to provide rewards and subsidies for newly opened community convenience stores, guide and support the development of new community business formats such as brand chain convenience stores, and better meet residents' needs for convenient consumption and quality consumption. (Responsible units: Provincial Department of Commerce, People's Governments of cities, states and counties)
Eleven, increase the intensity of automobile consumption. Support the distribution of preferential "gift packages"
From August to December 2022, support local joint automobile production and sales enterprises, refined oil management enterprises, insurance companies, etc. to promote automobile consumption through measures such as issuing car purchase subsidies, automobile consumption coupons, and free refueling insurance coupons for car purchases. Subsidies will be given to joint car promotion activities in various places. Encourage financial institutions to provide the following three types of auto financial services to natural person car owners: the amount of down payment is within 20% (including 20%) of the total amount of the uniform price of motor vehicle sales; the loan period is 5 years; The amount is within 3% or 0 interest rate and the service fee (handling fee) is within 3% of the total installment amount. Provincial finance will give one-time rewards to financial institutions that have performed well in implementing the above financial service policies from August to December 2022. (Responsible units: Provincial Department of Commerce, Provincial Department of Finance, Provincial Department of Economy and Information Technology, Provincial Local Financial Supervision Bureau)
12. Support car update consumption
Strengthen the supervision of motor vehicle environmental protection standards, and continue to promote the implementation of vehicle emission inspection and maintenance systems. Strengthen the cascade utilization of new energy vehicle batteries, improve new energy vehicle battery financing, insurance and other services, increase the residual value of new energy second-hand vehicles, and increase the replacement rate of new energy second-hand vehicles. Speed up the subsidy cashing progress of the 2022 special car trade-in campaign, rationally simplify the subsidy review and disbursement process, increase the frequency of subsidy fund disbursement, accelerate the elimination and renewal of old vehicles, and promote the upgrading of automobile consumption. (Responsible units: Provincial Department of Commerce, Provincial Development and Reform Commission, Provincial Department of Economy and Information Technology, Provincial Department of Finance, Provincial Department of Transportation)
13. Promote the healthy development of the second-hand car market
Strictly implement the policy of comprehensively canceling the restrictions on the movement of second-hand cars, cancel the restrictions on the entry of small non-operating second-hand cars that meet the National V emission standards, and promote the free circulation of second-hand cars and the cross-regional operation of enterprises. Support the reduction of compliant operating costs for used car dealerships, encourage localities to moderately discount interest on financing loans for used car dealers, and subsidize local interest discounts at the provincial level. Fully implement the tax reduction policy of lowering the value-added tax on second-hand car transactions from 2% to 0.5%. Implement the management regulations on the registration, filing and vehicle transaction registration of the second-hand car market entities. Regulate second-hand car transactions and charging behaviors, accelerate the development of second-hand car dealership business and enter the upper limit of transactions into the system. (Responsible units: Provincial Department of Commerce, Provincial Department of Finance, Provincial Public Security Department, Provincial Bureau of Statistics, people's governments of cities, states and counties)
14. Optimizing the car environment
Before the end of 2022, according to the changes in oil prices, the category of "refueling coupons" will be added in the "Huigou Hubei" consumer coupon distribution activity in due course to reduce the travel cost of fuel vehicle owners. According to the local medium and long-term new energy vehicle ownership, regional distribution, type structure, etc., all localities dynamically optimize the planning and layout of public charging facilities, and incorporate them into the overall urban and rural planning, simplify the approval procedures for charging infrastructure planning and construction according to relevant regulations, and urge property service companies Cooperate with the construction of charging facilities. Support charging facility operators to accelerate technological innovation, strengthen quality control, and effectively improve the utilization efficiency of charging facilities and the service capabilities of operation and maintenance. Reasonable planning and introduction of convenience measures for on-street parking in various places. Guide various business establishments to formulate reasonable parking fee standards to reduce parking costs. Accelerate the application of new technologies and new models to improve the effective supply level of urban parking facilities. Increase efforts to use local government special bonds to support the construction of qualified parking facilities. (Responsible units: Provincial Department of Commerce, Provincial Development and Reform Commission, Provincial Department of Economy and Information Technology, Provincial Department of Public Security, Provincial Department of Finance, Provincial Department of Housing and Construction, Provincial Department of Transportation, Provincial Energy Bureau, and the people's governments of cities, states and counties)
15. Subsidies for home appliances to promote consumption
In-depth development of the "Hubei Consumption·Smart and Interesting Life" campaign encourages all localities to issue consumer coupons to individual consumers around the field of home appliances, or provide subsidies for individual consumers to purchase home appliances, so as to stimulate the vitality of the home appliance consumer market. The provincial finance will subsidize 50% of the government's financial investment in issuing consumer coupons or consumer subsidies from June to December 2022. Encourage qualified places to adopt the direct subsidy method of financial funds to subsidize the updated consumption of green smart home appliances, clarify the scope of subsidized products, subsidy funding standards, settlement methods, etc., and promote the consumption of home appliances. (Responsible units: Provincial Department of Commerce, Provincial Department of Finance, People's Governments of cities, states and counties)