Yellowstone's entrepreneurial guarantee loan in the first half of the year doubles

Increase the loan quota, reduce the application threshold; increase the speed of management, reduce the guarantee conditions; improve the efficiency of funds, reduce financial risks ... On the 3rd, the reporter learned from the Huangshi Human Resources and Social Security Department that in the first half of this year, the city was an entrepreneur as entrepreneurs in the first half of this year. With 982 loans with small and micro enterprises, with a amount of 240 million yuan, which has doubled a total of 120 million last year.

It is understood that this year, the city's small and micro enterprises that recruit college graduates and eligible conditions have increased from the maximum of not more than 3 million yuan to 5 million yuan, which greatly alleviated the problem of financing difficulties of startups. At the same time, further reduce the threshold for small and micro enterprises to apply for lending, and the number of people who recruit the number of people who meet the application of entrepreneurial guarantee loans within one year and the proportion of the number of employees existing employees in the enterprise will be reduced from 15%to 10%to 10%. The lowering is 6%. As of the end of June, 20 million yuan was issued for small and micro enterprises that meet the conditions.

At the same time, set up a "one -stop" service window offline, combined with various departments to reconstruct the approval process, streamlined approval links, cancel duplicate information, implement innovative measures such as the "acceleration office", "packaging office" and the acceptance of the disappear The time limit has compressed from 15 working days to 7 working days; online development and construction of "Dongchu Rongtong" innovation loan online applet. The exemption of the anti -guarantee loan of personal entrepreneurship guarantee loans increased from 100,000 yuan to 200,000 yuan, and the loan business of 200,000 yuan or below could not be handled without a guarantee person. As of the end of June, 199 entrepreneurs were exempted from anti -guarantee, and the amount of loans issued 33.78 million yuan.

In addition, vigorously promoting the first -established banks in the province to take risks and independent loan models. For eligible borrowers, the banks shall implement a "one -stop" loan and lending service to ensure that the funds are quickly reached and direct to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct access to direct direct reach Entrepreneurs. Use "UnionPay Credit Data+Local Government Credit Data" to carry out comprehensive analysis of big data, improve the accuracy and security of loan review, establish a "442" risk sharing mechanism, and continuously reduce the risk of guarantee funds. In the construction of the innovation loan network office platform, innovatively inserted the front and the entire online risk monitoring module for real -time early warning, so that the risk prevention runs through the entire process. As of the end of June, the loan was issued by the bank's risk and the amount was 126.18 million yuan.

In order to improve the awareness of the masses and reduce policy coverage, the Municipal Human Resources and Social Security Department fully integrates online and offline methods, traditional media and new media channels. 35,000 publicity messages, held 4 entrepreneurial guarantee loan work promotion associations, facing Huangshi major street communities and chamber of commerce associations, etc. to carry out policy preaching, establish a street community WeChat work contact group, real -time rolling the latest policies, exchange business resources ... Policy publicity will be promoted Really sink to the "door of the house" of the residents. (Reporter Ding Huan Correspondent Yang Liu)

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