Sou Hu Cai Jing·2025-11-24 10:50Core Insights - The article highlights the successful implementation of a new entrepreneurial guarantee loan policy in Chongqing, which has significantly improved financial support for local businesses [2][5]. Group 1: Loan Policy and Impact - The first entrepreneurial guarantee loan in Chongqing's Tongliang District was issued, indicating enhanced financial services for the real economy [2]. - Since June, Chongqing has lowered the financing threshold for entrepreneurship through measures such as increasing loan limits and providing subsidies [2]. - Personal entrepreneurial loan limits have increased from 300,000 to 500,000 yuan, while small and micro-enterprise loan limits have risen from 4 million to 6 million yuan [2]. - Eligible enterprises can receive a maximum guarantee fee subsidy of 0.5% per year, resulting in an effective loan interest rate of no more than 1.75% [2]. Group 2: Loan Processing Efficiency - The time taken from loan application to disbursement has been reduced to 4 working days, a significant improvement from the previous 15 days [5]. - The Chongqing Rural Commercial Bank's local branch efficiently completed due diligence and approval processes, showcasing the effectiveness of the new policy [3]. Group 3: Economic Benefits - The construction company that received the loan is experiencing short-term funding needs due to winning multiple renovation projects for schools and hospitals [2]. - The issuance of entrepreneurial guarantee loans in Tongliang District has led to the creation of over 4,000 jobs this year, with a total of 133 million yuan in loans disbursed [5].