海口龙华区发布“龙惠贷”贷款贴息扶持政策

Core Viewpoint - The "Longhui Loan" interest subsidy policy launched by Longhua District in Haikou aims to alleviate financing difficulties for enterprises, reduce financing costs, and stimulate market vitality to promote high-quality economic development in the region [2]. Group 1: Policy Overview - The "Longhui Loan" is targeted at various enterprises, individual businesses, and agricultural entities registered in Longhua District that have been operating normally for over a year [2]. - Entities involved in illegal operations, high-risk industries, or with poor credit ratings are excluded from applying, ensuring the safety and compliance of fund usage [2]. Group 2: Funding Focus - The subsidy will primarily support key industries in Longhua District, including tourism, modern financial services, and high-tech industries, as well as sectors related to people's livelihoods such as catering and elderly care [2]. - Loan funds must be used for business operations and are prohibited from being allocated to real estate or stock investments to ensure effective utilization of funds [2]. Group 3: Subsidy Standards - The policy establishes three different subsidy rates based on enterprise size: - Small enterprises with loans up to 3 million yuan can receive a 0.6% subsidy - Medium enterprises with loans up to 30 million yuan can receive a 0.8% subsidy - Large enterprises with loans up to 50 million yuan can receive a 1% subsidy - Each category has a subsidy pool of 10 million yuan, totaling 30 million yuan [3]. - If enterprises use the subsidy for guarantee fees not exceeding 1%, Longhua District will cover the full amount [3]. Group 4: Application Process - Two application channels are available: enterprises can apply directly to the district government or through relevant banks [3]. - The policy follows a "first come, first served" and "pay first, subsidize later" principle, with a maximum term of 12 months to ensure timely fund availability [3].