小微企业如何申请创业担保贷款？

Core Viewpoint - The article discusses the "Entrepreneur Guarantee Loan," which is designed to support individual entrepreneurs and small micro-enterprises by providing guaranteed loans with interest subsidies from the government [2]. Group 1: Conditions for Small Micro-Enterprises - Small micro-enterprises must meet three conditions to apply for the Entrepreneur Guarantee Loan: 1. They must fall under the current classification standards for small and micro enterprises [4]. 2. They must have hired new employees who meet the loan application criteria, reaching at least 10% of the current workforce within the past year (5% for enterprises with over 100 employees) and sign contracts for over one year [4]. 3. They must have no record of wage arrears or unpaid social insurance contributions [4]. Group 2: Loan Amount and Terms - The maximum amount for the Entrepreneur Guarantee Loan is capped at 4 million yuan, with a loan term not exceeding 2 years [6]. - The government provides a 50% interest subsidy on the actual loan interest rate [6]. - Small micro-enterprises that demonstrate strong repayment behavior, employment generation capacity, and good entrepreneurial projects can apply for continued loan and subsidy support after the initial loan term, with a maximum of three applications allowed [6]. Group 3: Application Process - Individuals or small micro-enterprises seeking the Entrepreneur Guarantee Loan must first apply for qualification review through the local human resources and social security department [8]. - After passing the qualification review, they should submit a guarantee application to the local Entrepreneur Guarantee Loan Fund management institution or government financing guarantee institution, and a loan application to the bank [9]. - The process has been streamlined through the use of information technology, significantly reducing the need for offline document submission and improving efficiency [9].