"这笔贷款不只是资金的支持，更是信心的加持。它让我有了扩大经营的底气，也督促我更稳健地规划 未来，把事业做得更扎实。"在店面焕然一新的环境中，内蒙古科左中旗忧嘉贝尔的负责人王平喜悦之 情溢于言表。 资金赋能，变"大水漫灌"为"靶向施策"。政策重点面向农村牧区劳动力、高校毕业生、退役军人等10类 群体，实施差异化贷款额度，个人创业贷款最高可申请30万元，小微企业贷款最高额度提升至400万 元，精准匹配不同创业阶段需求。对资金紧缺的创业者，主动对接、优先审核、加快放款，切实缓 解"起步难、融资贵"问题，确保金融活水精准流向最需要的领域。 截至2025年年底，科左中旗已完成全年放贷目标，累计发放创业担保贷款55笔，共1179.5万元，直接带 动就业208人。全旗逐步构建起"贷得出去、用得有效、带动有力"的良性循环机制，创业生态持续优 化，发展活力不断迸发。 "让梦想照进现实，是我们发放贷款的初心。"科左中旗人力资源和就业服务中心副主任王妍表示，"下 一步，我们将继续打造'融资+服务'创业生态链，做追梦人最坚实的后盾，让每一个'梦想'都能在科左中 旗这片热土上落地生根、开花结果。"(包乌兰、呼斯乐图) 来源：通辽市人 ...

钛媒体App 12月26日消息，财政部等四部门发布《进一步发挥政府性融资担保体系作用 加力支持就业 创业的指导意见》提出，积极为创业担保贷款提供担保。政府性融资担保机构对符合条件的高校毕业生 （含大学生村官和留学回国学生）、就业困难人员（含残疾人）、退役军人、脱贫人口、返乡创业农民 工、城镇登记失业人员、刑满释放人员、化解过剩产能企业职工和失业人员、网络商户、农村自主创业 农民等十类重点就业群体以及吸纳其就业的小微企业申请的创业担保贷款，积极提供担保增信服务，重 点支持处于初创期的创业创新小微企业。在具备条件的地方，试点探索由政府性融资担保机构以一般担 保责任模式，为创业担保贷款业务提供担保增信。国家融资担保基金将符合条件的创业担保贷款担保业 务纳入再担保业务范围。（财政部） ...

Core Points - The government has introduced a series of policies to support entrepreneurs, focusing on tax incentives, subsidies, and loans [1] Group 1: Loan Support - Eligible individuals can apply for a maximum entrepreneurial guarantee loan of 300,000 yuan [3] - For eligible borrowers engaging in partnership entrepreneurship, the loan amount can be increased up to 110% of the maximum individual loan limit, with government guarantees and interest subsidies [4] - Individuals with strong repayment records and good entrepreneurial projects can reapply for loans and interest subsidies after the initial loan term, with a maximum of three applications [4] Group 2: Tax Incentives - Certain entrepreneurial groups can enjoy tax benefits, including a deduction of up to 20,000 yuan per year from various taxes for three years, starting from the month of individual business registration [6][8] - This tax deduction applies to key groups such as poverty alleviation populations, long-term unemployed individuals, and recent college graduates [8] Group 3: Administrative Fee Support - New small and micro enterprises or individual businesses established by specific groups can receive a one-time entrepreneurial subsidy, with the amount determined by local authorities [9] - Individuals from certain demographics, including the unemployed, disabled, and recent graduates, are exempt from various administrative fees for three years after their business registration [10]

Group 1 - Shandong Province is implementing a financial policy to stabilize employment by providing "steady job return funds" to companies, which are calculated at 30% of the unemployment insurance contributions made by the companies and their employees in the previous year [1] - The total amount allocated by the Shandong Provincial Finance Department for employment-related funds this year is 4.27 billion yuan, aimed at supporting the development of private and small-medium enterprises [1] - The steady job return funds have been effectively utilized by companies to ensure social security payments and enhance employee loyalty, thereby stabilizing the workforce [1] Group 2 - Financial support from the Shandong government has led to the issuance of 890 million yuan in entrepreneurial guarantee loans this year, directly supporting 2,050 individuals in starting their businesses [2] - A total of 14.29 billion yuan in special loans for stabilizing and expanding jobs has been issued to 3,345 small and micro enterprises, resulting in the stabilization and expansion of 155,000 job positions [2] - The Shandong government is prioritizing youth employment, with initiatives such as vocational skills training and financial support for skill development, including 5.6 million yuan allocated annually for skill training programs [2] Group 3 - The Shandong Provincial Finance Department plans to deepen the implementation of national policies aimed at increasing support for employment stability, including expanding the scope of social insurance subsidies [3]

Policy Support Enhancement - Various regions have intensified support for entrepreneurial guarantee loans, effectively reducing financing costs for startups [2][3] - Ningxia has implemented a notification to encourage local governments to arrange interest subsidies for entrepreneurial loans, allowing applicants without residency restrictions [2] - In Shizuishan, 528 small and micro enterprises received 308 million yuan in loans, a year-on-year increase of 20.6%, directly creating 3,197 jobs [2] Support for Graduates' Entrepreneurship - Multiple regions are actively promoting entrepreneurship among college graduates, with Henan providing up to 300,000 yuan in guarantee loans for eligible projects [4] - Tianjin has seen 96 college graduates receive various entrepreneurial subsidies, covering popular sectors like car rental and film editing [4] - The multiplier effect of entrepreneurial guarantee loans is highlighted as a key path to alleviate structural employment issues and achieve high-quality employment [4] Banking Sector's Role - Banks are launching specialized credit products to support college graduates' entrepreneurship, with Hunan's local bank supporting 492 entrepreneurial entities with 439 million yuan in loans [7] - Shanghai Pudong Development Bank has successfully partnered with Shanxi Province to provide financing support for eligible entrepreneurial entities [7] - The introduction of "credit + guarantee" models by banks aims to enhance funding efficiency and adapt to the needs of startups lacking traditional collateral [8] Economic Impact and Innovation - The increase in entrepreneurial guarantee loans is seen as a crucial measure to activate economic internal dynamics and foster new productive forces [5] - The collaboration between loan policies and local industrial planning enhances the efficiency of fiscal fund usage and promotes innovation ecosystems [6] - Financial technology is being utilized to streamline loan approval processes, improving accessibility for entrepreneurs [8]

Group 1 - The core viewpoint of the articles emphasizes the importance of government policies in stabilizing employment and supporting enterprises amid changing external environments [1][2][4] - Shandong Province has implemented a "steady job return" policy, providing financial support to companies to help them maintain employment levels, with 3.87 billion yuan returned to 57,900 insured units from January to June [1][2] - The province has also extended various financial and tax incentives, including a 30% return on unemployment insurance for large enterprises and 60% for small and micro enterprises, alongside skill enhancement subsidies totaling 275 million yuan for 153,400 individuals [2][4] Group 2 - New economic sectors such as digital economy and green economy are emerging as new growth points for job creation, with Shandong providing entrepreneurial support through loans and simplified processes, resulting in 9.662 billion yuan in new entrepreneurial loans issued [4] - The province has allocated 56 million yuan annually to enhance vocational training in high-demand industries, supporting 13 quality vocational schools and 54 programs to cultivate skilled talent [4] - A pilot program in selected districts has digitized the process of social assistance, streamlining the distribution of funds to low-income households, with 46.479 million yuan disbursed to 53,000 individuals by the end of June [5][6]

Employment and Social Security Overview - The overall employment situation remains stable, with new professions and jobs creating more high-quality employment opportunities for workers [1][2] - In the first half of the year, 6.95 million new urban jobs were created, achieving 58% of the annual target, while the urban survey unemployment rate stood at 5.0%, unchanged from the previous year [2][3] Social Insurance Fund Performance - As of June 30, the number of participants in basic pension, unemployment, and work injury insurance reached 1.071 billion, 245 million, and 300 million respectively, all showing steady year-on-year increases [1][4] - The total income of the three social insurance funds in the first half of the year was 4.53 trillion yuan, with total expenditures of 3.89 trillion yuan, resulting in a cumulative surplus of 9.83 trillion yuan by the end of June [1][4] Policy Measures and Support - The government has implemented various policies to support employment, including reducing unemployment insurance rates, which saved enterprises over 90 billion yuan in labor costs [2][3] - Specific measures include the issuance of 6.2 billion yuan in stability funds to insured enterprises and 11.3 billion yuan for training and employment promotion [2][3] New Employment Forms and Protection - The pilot program for occupational injury protection for new employment forms has expanded, with 12.34 million participants as of June 30, and new pilot provinces added [5][6] - The government is actively working on improving social security benefits, including adjustments to the basic pension standards for urban and rural residents [5][6] New Occupations and Entrepreneurship - The introduction of new occupations reflects advancements in technology and consumer demand, with 17 new professions and 42 new job types announced [6][7] - Support for youth entrepreneurship includes government-backed loans of up to 300,000 yuan for eligible graduates and 4 million yuan for small businesses [7]

Group 1 - The new measures increase the personal loan limit for entrepreneurial guarantee loans from 300,000 yuan to 500,000 yuan, and for small and micro enterprises from 4 million yuan to 6 million yuan [1] - The measures provide interest-free, collateral-free, and guarantee-free startup loans ranging from 30,000 to 100,000 yuan for eligible youth aged 18 to 40 who start a business within three years in Sichuan [1] - The entrepreneurial subsidy policy has been optimized to cover recent graduates, unemployed individuals, returning migrant workers, and self-employed veterans, with subsidies of up to 10,000 yuan based on business operation duration and scale [1] Group 2 - The measures encourage returning and local entrepreneurship, providing support for new agricultural entities such as family farms and cooperatives, with applicable small and micro enterprise support policies [2] - There are specific subsidies for overseas returnees who start businesses in Sichuan, with funding of up to 300,000 yuan based on the category of the enterprise [2] - The measures also strengthen tax and financial support for entrepreneurs [3]