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| Notice by the Ministry of Finance of Issuing the Measures for the Administration of Special Funds for the Development of Inclusive Finance | | 财政部关于印发《普惠金融发展专项资金管理办法》的通知 |
| (No. 75 [2023] of the Ministry of Finance) | | （财金〔2023〕75号） |
| Public finance departments (bureaus) of all provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning; the Financial Bureau of Xinjiang Production and Construction Corps; and all local regulatory authorities of the Ministry of Finance (“MOF”): | | 各省、自治区、直辖市、计划单列市财政厅（局），新疆生产建设兵团财政局，财政部各地监管局： |
| For the purposes of implementing the implementation opinions of the State Council on promoting the high-quality development of inclusive finance, further maximizing the guiding and leverage role of financial funds, improving the quality and effectiveness of financial policies supporting the development of inclusive finance, and promoting the high-quality development of inclusive finance, in consideration of the work practice and the new situation and new requirements in recent years, the Measures for the Administration of Special Funds for the Development of Inclusive Finance developed in 2019 have been revised. The revised Measures for the Administration of Special Funds for the Development of Inclusive Finance are hereby issued for your compliance and implementation. | | 为贯彻落实国务院关于推进普惠金融高质量发展的实施意见，进一步发挥财政资金引导撬动作用，提升财政支持普惠金融发展政策质效，推动普惠金融高质量发展，结合近年来工作实践和新形势新要求，我们对2019年制定的《普惠金融发展专项资金管理办法》进行了修订，现将修订后的《普惠金融发展专项资金管理办法》印发给你们，请遵照执行。 |
| Annex: Measures for the Administration of Special Funds for the Development of Inclusive Finance | | 附件：普惠金融发展专项资金管理办法 |
| Ministry of Finance | | 财 政 部 |
| September 4, 2023 | | 2023年9月4日 |
| Annex: | | 附件： |
| Measures for the Administration of Special Funds for the Development of Inclusive Finance | | 普惠金融发展专项资金管理办法 |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 These Measures are developed in accordance with the Budget Law of the People's Republic of China and its Implementation Regulation, the Law of the People's Republic of China on the Promotion of Small and Medium-Sized Enterprises, the Employment Promotion Law of the People's Republic of China, the Law of the People's Republic of China on the Promotion of Revitalization of Rural Areas and other relevant provisions for the purposes of regulating the management of special funds for the development of inclusive finance, improving policy effectiveness and fund use efficiency, and promoting the high-quality development of inclusive finance. | | 第一条 为规范普惠金融发展专项资金管理，提升政策效能和资金使用效益，推动普惠金融高质量发展，根据《中华人民共和国预算法》及其实施条例、《中华人民共和国中小企业促进法》、《中华人民共和国就业促进法》、《中华人民共和国乡村振兴促进法》等有关规定，制定本办法。 |
| Article 2 For the purposes of these Measures, the term of “special funds for the development of inclusive finance” (hereinafter referred to as “special funds”) refers to the special transfer payment funds arranged for by the central finance to support the development of inclusive finance, which are used to support provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning, and Xinjiang Production and Construction Corps (hereinafter referred to as “provinces”) in carrying out work such as discounted interest on entrepreneurship guaranteed loans, the construction of demonstration zones for the development of inclusive finance with financial support from the Central Government, and targeted cost subsidies for rural financial institutions. | | 第二条 本办法所称普惠金融发展专项资金（以下简称专项资金），是指中央财政安排支持普惠金融发展的专项转移支付资金，用于支持各省、自治区、直辖市、计划单列市、新疆生产建设兵团（以下统称省）开展创业担保贷款贴息、中央财政支持普惠金融发展示范区建设、农村金融机构定向费用补贴等工作。 |
| Article 3 The MOF shall be responsible for the design of policies for special funds, budget preparation, distribution and allocation to lower levels, organization and implementation of budget performance management, guiding local governments to strengthen the management of special funds and other relevant work. | | 第三条 财政部负责专项资金政策设计、预算编制、分配下达、组织开展预算绩效管理、指导地方加强专项资金管理等相关工作。 |
| Local public finance departments shall be responsible for the organization and implementation of special funds, declaration and decomposition, supervision over use, budget performance management and other relevant work. | | 地方财政部门负责专项资金的组织实施、申报分解、使用监督、预算绩效管理等相关工作。 |
| The local regulatory authorities of the MOF shall, according to the job responsibilities and relevant requirements of the MOF, regulate the special funds. | | 财政部各地监管局负责按照工作职责和财政部有关要求，对专项资金进行监管。 |
| Chapter II Reward and Subsidy Policies for Entrepreneurship Guaranteed Loans | | 第二章 创业担保贷款奖补政策 |
| Article 4 For the purposes of implementing the employment priority policy, supporting key groups in employment and business start-up, and guiding financial institutions to increase the granting of entrepreneurship guaranteed loans, the expenditures of special funds shall be arranged for granting certain rewards and subsidies to entrepreneurship guaranteed loans supported by financial discount interest. | | 第四条 为落实就业优先政策，支持重点群体就业创业，引导金融机构加大创业担保贷款投放，专项资金安排支出用于对财政贴息支持的创业担保贷款给予一定奖补。 |
| Article 5 For the purposes of these Measures, the term “entrepreneurship guaranteed loans” means the loan business that is, with qualified individual entrepreneurs or micro and small enterprises as the borrowers, guaranteed by guaranteed funds of entrepreneurship guaranteed loans or government financing guarantee institutions, granted by handling banks, subject to interest discounts given by the public finance departments, and used for supporting business start-up by individuals or employment absorption by micro and small enterprises. | | 第五条 本办法所称创业担保贷款，是指以符合规定条件的创业者个人或小微企业为借款人，由创业担保贷款担保基金或政府性融资担保机构提供担保，由经办银行发放，由财政部门给予贴息，用于支持个人创业或小微企业吸纳就业的贷款业务。 |
| For the purposes of these Measures shall, the term “guaranteed funds of entrepreneurship guaranteed loans” means the funds set up by the local governments for providing guarantee for entrepreneurship guaranteed loans. Guaranteed funds of entrepreneurship guaranteed loans shall be operated and managed by public service institutions designated by the government or government financing guarantee institutions entrusted thereby. | | 本办法所称创业担保贷款担保基金，是指由地方政府出资设立的，用于为创业担保贷款提供担保的基金。创业担保贷款担保基金由政府指定的公共服务机构或其委托的政府性融资担保机构负责运营管理。 |
| For the purposes of these Measures, the term “government financing guarantee institutions” means financing guarantee institutions formed according to the law, and funded and actually controlled by the government and its authorized institutions, with the serving micro and small enterprises and “agriculture, rural areas and farmers” as the main business objective. | | 本办法所称政府性融资担保机构，是指依法设立，由政府及其授权机构出资并实际控股，以服务小微企业和“三农”主体为主要经营目标的融资担保机构。 |
| For the purposes of these Measures, the term “handling bank” means a banking financial institution that grants entrepreneurship guaranteed loans to qualified individuals or micro and small enterprises preferentially selected under procedures in comprehensive consideration of factors such as loan convenience, loan interest rate and service evaluation. | | 本办法所称经办银行，是指综合考虑贷款便利度、贷款利率、服务评价等因素，按程序择优选取，为符合条件的个人或小微企业发放创业担保贷款的银行业金融机构。 |
| Article 6 Individuals meeting the following conditions may apply for support of entrepreneurship guaranteed loans and financial discounted interests: | | 第六条 符合以下条件的个人可申请创业担保贷款和财政贴息支持： |
| (1) Key employment groups, including registered urban unemployed persons, persons having trouble in finding work (including the disabled), veterans, persons released after serving the full term of the imprisonment, college graduates (including university graduates working as village officials and overseas students returning to China from college graduates), employees of enterprises resolving excess production capacity, unemployed persons, rural migrant workers returning to their home villages to start their own business, online business operators, populations lifted out of poverty, and farmers independently starting up business in rural areas. | | （一）属于重点就业群体。包括城镇登记失业人员、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（含大学生村官和留学回国学生）、化解过剩产能企业职工和失业人员、返乡创业农民工、网络商户、脱贫人口、农村自主创业农民； |
| (2) An applicant and his or her spouse have no other loans, except student loans, petty loans for populations lifted out of poverty, housing loans, car loans, and small-sum consumption loan not more than 50,000 yuan (including credit card consumption), when filing an application for entrepreneurship guaranteed loans. | | （二）除助学贷款、脱贫人口小额信贷、住房贷款、购车贷款、5万元以下小额消费贷款（含信用卡消费）以外，申请人提交创业担保贷款申请时，本人及其配偶无其他贷款。 |
| Article 7 Micro and small enterprises meeting the following conditions may apply for support of entrepreneurship guaranteed loans and financial discounted interests: | | 第七条 符合以下条件的小微企业可申请创业担保贷款和财政贴息支持： |
| (1) Micro and small enterprises as stipulated in the standards for classification of small and medium-sized enterprises currently in force. | | （一）属于现行中小企业划型标准规定的小型、微型企业； |
| (2) Micro and small enterprises whose newly recruited employees meeting the conditions for applying for entrepreneurship guaranteed loans within one year of applying for entrepreneurship guaranteed loans account for 10% of the existing incumbent employees (5% for enterprises employing more than 100 persons) and that enter into labor contracts of one year or more therewith. | | （二）小微企业在申请创业担保贷款前1年内新招用符合创业担保贷款申请条件的人数达到企业现有在职职工人数10%（超过100人的企业达到5%），并与其签订1年以上劳动合同； |
| (3) They have no credit record of violation of laws and regulations such as wage arrears and failure to pay social insurance premiums. | | （三）无拖欠职工工资、欠缴社会保险费等违法违规信用记录。 |
| Article 8 For qualified entrepreneurship guaranteed loans, the public finance department shall give a financial discount interest of 50% of the actual interest rate of the loans. The public finance departments shall, in principle, offer no discounted interest to renewed or overdue entrepreneurship guaranteed loans, unless as otherwise prescribed by the State Council. | | 第八条 对符合条件的创业担保贷款，财政部门给予贷款实际利率50%的财政贴息。对展期、逾期的创业担保贷款，财政部门原则上不予贴息，国务院另有规定的除外。 |
| Article 9 Regions with good conditions shall be encouraged to gradually reduce or waive counter-guarantee requirements for entrepreneurship guaranteed loans. In principle, counter-guarantee shall be canceled for entrepreneurship guaranteed loans that meet one of the following conditions: | | 第九条 鼓励有条件的地方对创业担保贷款逐步降低或免除反担保要求。符合以下条件之一的创业担保贷款，原则上取消反担保： |
| (1) Entrepreneurship guaranteed loans of not more than 100,000 yuan applied for by individuals. | | （一）个人申请的10万元以下的创业担保贷款； |
| (2) Entrepreneurship projects recommended by national entrepreneurship incubation demonstration bases or credit communities (villages). | | （二）全国创业孵化示范基地或信用社区（乡村）推荐的创业项目； |
| (3) Entrepreneurship guaranteed loans applied for by entrepreneurial personnel, entrepreneurial projects and entrepreneurial enterprises that have obtained honorary titles at or above the city level (districted city). | | （三）获得市（设区市）级以上荣誉称号的创业人员、创业项目、创业企业申请的创业担保贷款； |
| (4) Entrepreneurship guaranteed loans applied for by entrepreneurs or micro and small enterprises who have been assessed and identified by financial institutions and meet the conditions for granting credit loans. | | （四）经金融机构评估认定、符合信用贷款发放条件的创业者个人或小微企业申请的创业担保贷款； |
| (5) Entrepreneurship guaranteed loans applied for by specific groups of people such as stable and trustworthy secondary entrepreneurs. | | （五）经营稳定守信的二次创业者等特定群体申请的创业担保贷款。 |
| Article 10 Individuals or micro and small enterprises applying for support of discounted interests for entrepreneurship guaranteed loans shall apply to the local human resources and social security departments for examination of qualifications. Individuals or micro and small enterprises passing the examination of qualifications shall file applications for guarantees with the local operation and management institutions of guaranteed funds of entrepreneurship guaranteed loans or government financing guarantee institutions, and apply for loans with handling banks. Individuals and micro and small enterprises meeting the relevant conditions for guarantees and loans shall enter into contracts on entrepreneurship guaranteed loans with handling banks. | | 第十条 申请创业担保贷款贴息支持的个人或小微企业应向当地人力资源社会保障部门申请资格审核，通过资格审核的个人或小微企业，向当地创业担保贷款担保基金运营管理机构或政府性融资担保机构提交担保申请，向经办银行提交贷款申请，符合相关担保和贷款条件的，与经办银行签订创业担保贷款合同。 |
| A handling bank shall, according to the relevant provisions of the national financial accounting system and the policies for entrepreneurship guaranteed loans, calculate the due amount of discounted interests for entrepreneurship guaranteed loans, and apply for funds of discounted interests to the public finance departments at the prefecture level on a quarterly or monthly basis. The public finance department at the prefecture level shall, within one month, complete examination and appropriate funds of discounted interests to the handling bank within a month. For a province where county is directly governed by the province, with consent of the provincial public finance department, the public finance department at the county level shall be responsible for the examination and appropriation of relevant funds of discounted interest. | | 经办银行按照国家财务会计制度和创业担保贷款政策有关规定，计算创业担保贷款应贴息金额，按季度或月度向地市级财政部门申请贴息资金。地市级财政部门应当在1个月内完成审核并向经办银行拨付贴息资金。对实行省直管县的省份，经省级财政部门同意，可由县级财政部门负责相关贴息资金审核拨付工作。 |
| Article 11 Entrepreneurship guaranteed loans that comply with the relevant provisions of Article 5 to 8 of these Measures and meet the following conditions may be included in the support scope of rewards and subsidies from special funds: | | 第十一条 对于符合本办法第五条至第八条有关规定，并符合以下条件的创业担保贷款，可纳入专项资金奖补支持范围： |
| (1) The amount of personal entrepreneurship guaranteed loans shall not exceed 300,000 yuan, and the loan term shall not exceed three years. For borrowers who meet the conditions of personal entrepreneurship guaranteed loans starting up a partnership, the amount of loans may be appropriately increased according to the number of partnership entrepreneurs, with the maximum not exceeding 110% of the sum of the maximum amount of qualified personal entrepreneurship guaranteed loans, and not exceeding the maximum amount of entrepreneurship guaranteed loans for micro and small enterprises. | | （一）个人创业担保贷款额度不超过30万元，贷款期限不超过3年。对符合个人创业担保贷款条件的借款人合伙创业的，可根据合伙创业人数适当提高贷款额度，最高不超过符合条件的个人创业担保贷款额度上限之和的110%、且不超过小微企业创业担保贷款额度上限； |
| (2) The amount of entrepreneurship guaranteed loans for micro and small enterprises shall not exceed 4 million yuan, and the loan term shall not exceed two years. | | （二）小微企业创业担保贷款额度不超过400万元，贷款期限不超过2年； |
| (3) The interest rate of entrepreneurship guaranteed loans shall be determined through consultation by the borrower, the handling bank, the operation and management institution of guaranteed funds of entrepreneurship guaranteed loans or the government financing guarantee institution. The maximum interest rate of loans in the eastern region supported by rewards and subsidies shall be LPR+50BPs, the maximum interest rate of loans in the central and western regions shall be LPR+150BPs, and the maximum interest rate of loans in areas lifted out of poverty shall be LPR+250BPs. LPR is the quoted interest rate on the one-year loan market. | | （三）创业担保贷款利率由借款人、经办银行、创业担保贷款担保基金运营管理机构或政府性融资担保机构协商确定，奖补支持的东部地区贷款利率上限为LPR＋50BPs、中部地区和西部地区贷款利率上限为LPR＋150BPs、脱贫地区贷款利率上限为LPR＋250BPs。其中，LPR为1年期贷款市场报价利率。 |
| ．．．．．． | | ．．．．．． |
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