Since the outbreak of this round of epidemic, the Provincial Party Committee and the Provincial Party Committee and the Municipal Party Committee and the Municipal Government have attached great importance to the relief work of small and medium-sized enterprises, and issued the "Several Measures on Supporting Fuzhou City to Actively Respond to the Impact of the New Crown Pneumonia Epidemic and Help Market Entities Relieve and Solve Their Difficulties" "Measures" notice proposed that
establish the eighth phase of special fund loans to bail out small, medium and micro enterprises to increase production and efficiency, provide Fuzhou City with a special quota of 5 billion yuan in support, and encourage cooperative banks to issue bailout loans in the form of digital renminbi .
What changes have been made in the eighth phase of the bailout loan policy to increase production and efficiency compared with the previous phases, and how should companies apply for it? Let me explain how to apply for a bailout loan and what should be paid attention to?
How to apply for a bailout loan and matters needing attention
asked
What channels should I use to apply for a bailout loan?
Qualified enterprises can apply through both online and offline channels.
Online, companies can log in to the Fujian Financial Services Cloud website (WWW.FJJFYPT.COM), "Fujian Financial Services Cloud" WeChat official account, Fujian Zhengtong APP and other multi-channel portals to publish relief needs.
offline, companies can apply to various industry authorities or to bailout participating banks, and industry authorities will guide companies to apply on the platform.
asked
I am a business that was just registered in January 2021. Can I apply for a bailout loan?
Different from previous policies that require enterprises to be established for one year, this bailout policy requires that eligible small, medium and micro enterprises registered before the end of 2021 can apply for bailout loans.
asked
whether companies can apply for bailout loans from all banks in our city?
As long as it is a cooperative bank with clear bailout policies, it can be processed. 's current cooperative banks include Industrial and Commercial Bank of China , Agricultural Bank of China, Bank of China , China Construction Bank, Bank of Communications , Postal Savings Bank , China Merchants Bank , China CITIC Bank , Everbright Bank , and Shanghai Pudong Development Bank. , Minsheng Bank , Bohai Bank and other provincial branches, as well as Industrial Bank , Fujian Rural Credit System, Xiamen International Bank , Straits Bank, Xiamen Bank , Quanzhou Bank and other provincial corporate banks, all enterprises can actively connect with each other. In the future, we will also collect the contact information of various banks and new banking institutions to inform the public in a timely manner.
asked
Can all companies enjoy the bailout loan policy?
The support objects of this bailout policy are small, medium and micro enterprises (including individual industrial and commercial households ) that are affected by the epidemic, face temporary liquidity difficulties, can quickly restore normal operating capabilities, and are registered before the end of 2021 and are still producing and operating normally (or starting to resume work and production ). They should also meet the conditions of not being involved in lawsuits, not subject to administrative penalties, and having good credit records. The eighth phase of the bailout policy further supports enterprises in key industries severely affected by the epidemic, such as transportation, accommodation, catering, and tourism. Enterprises in the real estate industry and financial investment industry are not within the scope of policy support.
asked
whether business owners engaged in the construction industry can enjoy the relief policy?
In addition to the above-mentioned key industry enterprises, the bailout policy also supports enterprises in wholesale and retail, manufacturing, construction and other fields.
asked
What are the advantages of the bailout loan policy compared with other policies?
The provincial finance real money has arranged an interest subsidy fund of 100 million yuan. The annualized interest rate of eligible enterprise loans is not higher than LPR+50BP, and the loan period does not exceed 1 year. The provincial finance will provide an interest subsidy of 1 percentage point, and the interest subsidy period does not exceed 1 year. The interest subsidy funds adopt the method of "subsidy first and then subsidy". The lending bank will directly deduct the fiscal subsidy when issuing the loan, effectively reducing the burden on enterprises.
asked
what is the maximum loan amount that a single enterprise can apply for?
The upper limit of the quota for qualified small, medium and micro enterprises is 10 million , and the upper limit of the quota for individual industrial and commercial households is 3 million .
asked
What type of loan is a bailout loan? Do you need a mortgage?
The special bailout fund policy is a policy that benefits and facilitates enterprises. The purpose is to alleviate the temporary liquidity difficulties of enterprises, ensure their normal production and operation, and help them tide over difficulties. The government has set up a platform to enhance bank confidence, encourage banks to be bold and willing to lend to qualified enterprises, reduce corporate financing costs, and alleviate corporate financial pressure. As for whether a mortgage is required, the company needs to actively communicate with the bank. The bank will match credit or guaranteed mortgage financing products to the enterprise based on its own operating conditions and risk compliance.
asked
what should I do if the bailout loan I applied for expires and I still need financing?
In order to further help small, medium and micro enterprises continue to obtain financing support, the Financial Services Cloud Platform has launched entrepreneurial guaranteed loans, business loans, foreign trade loans, technology loans, online economic loans and other policy preferential loans to meet the financing needs of various types of enterprises. At the same time, for small, medium and micro enterprises that have obtained bailout loans in the first seven phases and have expired, we also actively encourage cooperative banks to continue to provide support such as non-repayment of principal and to enterprises in the first seven phases that have normal operations and no bad credit, based on the data of the Financial Services Cloud Platform, to meet their normal financing needs but are not allowed to enjoy bailout discounts repeatedly.
asked
whether there are any specific measures to increase the credit of the special bailout loan?
In order to effectively meet the needs of enterprises and loans guaranteed by government financing guarantee institutions, enterprises that meet the "head office to head office" batch guarantee business can apply to our municipal government financing guarantee institutions for special bailout loan guarantees. Government financing guarantee institutions simplify the guarantee procedures, and the guarantee fee for enterprises that obtain guaranteed loans shall not exceed 1%.
text and pictures | Fuzhou Local Financial Supervision and Administration Bureau
Editor | Zhang Xin
