What do you mean by micro-enterprises in Chongqing?

Recently, Chongqing Municipality issued "Several Opinions of Chongqing Municipal People's Government on Vigorously Developing Micro-enterprises" (Yu Fu Fa [2065438+00] No.66) and "Chongqing Micro-enterprises Entrepreneurship Support Management Measures (Trial)" (Yu Ban Fa [2065 438+00] 192). In order to facilitate the people to understand the relevant policies, the Municipal Administration for Industry and Commerce interpreted the relevant policies through the draft of the Chongqing Municipal Government website.

I. Definition of micro-enterprises

Micro-enterprise is an enterprise organization with few employees, highly centralized property rights and management rights, single products and services, and small business scale. It has the characteristics of low start-up cost, great employment flexibility and quick effect. The micro-enterprises supported by our city mainly refer to enterprises with less than 20 employees (including investors) and entrepreneurs investing 654.38+10,000 yuan or less.

Second, micro-enterprise entrepreneurship support object

The entrepreneurial support objects of micro-enterprises are "nine categories of people" supported by national policies, including:

(1) College graduates. Refers to graduates who are unemployed and have full-time secondary schools, higher vocational colleges, junior colleges, undergraduate courses, graduate students and other academic levels, as well as vocational students who have obtained vocational skill level certificates and vocational education graduation certificates (including collective accounts in this city).

(2) laid-off workers. Refers to the laid-off workers of state-owned enterprises in this Municipality who hold the Employment Certificate or the Employee Unemployment Certificate, the workers who need to be resettled after the closure and bankruptcy of state-owned enterprises, and the laid-off workers of urban collective enterprises; Other registered unemployed people in cities and towns who have enjoyed the minimum living guarantee for urban residents and are unemployed and hold the Unemployment Certificate for Urban Unemployed Persons and the Minimum Living Guarantee Certificate.

(3) Returning migrant workers. Refers to the rural household registration personnel in this city who have been engaged in work and business outside the domicile for more than 1 year within the working age stipulated by the state, and hold relevant certificates of going out to work and business.

(four) "peasants" personnel. Refers to the residents of this city who are registered as urban residents because the rural collective land is expropriated (used) by the government according to law. Except when the land acquisition has been placed for employment and the household registration relationship has moved out of this city.

(5) Immigrants in the Three Gorges reservoir area. Refers to the flooded immigrants and land-occupying immigrants in the Chongqing reservoir area of the Three Gorges Project in this city.

(6) disabled people. Refers to the city residents who hold the People's Republic of China (PRC) Disabled Persons' Card and the People's Republic of China (PRC) disabled soldiers Card and have the entrepreneurial ability.

(7) Retired soldiers in urban and rural areas. Refers to all retired noncommissioned officers and conscripts with urban household registration and rural household registration within the administrative division of this Municipality. Retired soldiers who meet the resettlement conditions, except those who have been resettled.

(8) Cultural and creative personnel. Refers to the city residents engaged in culture and art, animation and games, education and training, consulting and planning, products, advertising, fashion design and other industries.

(9) information technology personnel. Refers to the residents of this city who are engaged in Internet services, software development and information technology service outsourcing services.

Three, apply for the conditions needed to enjoy the support of micro enterprises.

Entrepreneurs applying for micro-enterprise entrepreneurship support policies shall meet the following conditions:

(a) with the city's household registration (including collective accounts);

(2) belonging to "nine categories of people";

(3) Having entrepreneurial ability;

(4) No enterprise is operating;

(5) The contribution ratio of "nine categories of people" applicants shall not be less than 50% of all investors;

(6) Other conditions that should be met.

Four. Materials to be submitted by the applicant

Entrepreneurs who apply for micro-enterprise entrepreneurship support shall submit the following materials to the township people's government and sub-district offices where they live:

(1) An application for the opening of a micro enterprise;

(2) identification;

(3) household registration book;

(4) proof of residence;

(five) the certification materials that belong to the "nine categories of people";

(6) Other materials that need to be submitted.

If the domicile is consistent with the address stated in the identity certificate or household registration book, the applicant may not submit the residence certificate.

5. Does the applicant have to receive entrepreneurship training?

After receiving the application approval materials submitted by the industrial and commercial office, the micro-enterprise offices of all districts and counties (autonomous counties) shall organize and carry out entrepreneurship training for micro-enterprises for applicants, and applicants who have received entrepreneurship training or have relevant entrepreneurial knowledge may not participate. If the applicant has experience in entrepreneurship training, it shall submit an application to the administrative department for industry and commerce, as well as the training certificate of the human resources and social security departments and other relevant supporting materials.

Six, the main content of entrepreneurship training

Entrepreneurship training for micro-enterprises is free training provided by the government. The purpose of entrepreneurship training for micro-enterprises is to improve the applicant's entrepreneurial ability, and carry out training contents such as policy interpretation, project selection, secured loans, enterprise management, marketing, contract signing and risk avoidance, employee employment and social security, industrial and commercial tax knowledge, entrepreneurship case analysis, venture capital scheme formulation and defense. After the training, the training institution will issue graduation appraisal opinions.

Seven, the process and time limit of entrepreneurship audit

Entrepreneurship audit shall be conducted in accordance with the principle of combining due diligence with centralized joint audit. After the applicant submits the venture investment plan to the micro-enterprise office of the county (autonomous county) where he intends to start a business, the auditor of the micro-enterprise office shall complete the preliminary examination within 3 working days, and submit the preliminary examination opinions to the audit team composed of departments and units such as industry and commerce, finance, taxation, education, human resources and social security, science and technology, finance, loan banks and guarantee institutions for centralized joint examination. The audit team shall, in principle, audit 1 time within 10 working days to examine and approve the proportion of financial subsidies.

Eight, after the audit, micro enterprise registration process.

(1) After the enterprise name is pre-approved, the applicant shall choose an account bank among the banks to be opened, such as Chongqing Rural Commercial Bank, Chongqing Bank and Chongqing Three Gorges Bank, and open an account with the pre-approved enterprise name, and deposit the investment funds into the account.

(two) after the applicant has passed the venture audit and the investment funds are in place, the district/county (autonomous county) micro-enterprise office shall apply to the finance department at the same level for financial subsidies. The financial department shall, according to the subsidy ratio approved by the micro-enterprise office, transfer the subsidy funds into the account opened by the applicant within 5 working days.

(III) After the entrepreneur's investment funds and financial subsidy funds are in place, the micro-enterprise office of the county (autonomous county) shall, in accordance with the relevant provisions of enterprise registration, hand over the relevant materials to the enterprise registration authority within 5 working days to complete the business license.

9. What support policies are there for micro-enterprises?

(1) Financial support policy. The municipal finance department shall, according to the development plan of micro-enterprises in counties (autonomous counties) determined by the Municipal Micro-enterprises Office, arrange and support the development budget of micro-enterprises every year, and cut the subsidy funds into pieces to reach the financial departments of counties (autonomous counties). The financial departments of counties (autonomous counties) shall implement centralized management and overall arrangement of municipal financial funds and matching funds of counties (autonomous counties), and allocate funds and subsidies to the applicant enterprises, and the proportion of subsidies shall be controlled within 50% of the registered capital.

(2) Tax support policies. From the year following the establishment of the micro-enterprise, the financial department shall calculate the tax preferential financial subsidies according to the local retained portion of the enterprise income tax, business tax and value-added tax actually paid by the enterprise in the previous year, and the total amount of subsidies shall be limited to the matching financial subsidies obtained by the micro-enterprise. Micro-enterprises apply to the local financial department for tax support policies with tax payment certificates and business licenses.

(3) Financing guarantee support policies. Micro-enterprises can apply for micro-enterprise entrepreneurship support loans in the bank where they open an account, which can be used for the borrower's liquidity or fixed assets purchase. The loan amount shall not exceed 50% of the investor's investment, and the loan interest rate shall be subject to the benchmark loan interest rate announced by the People's Bank of China for the same period. The term of micro-enterprise entrepreneurship support loan is 1-2 years, and financial discount is enjoyed according to relevant regulations. Micro-enterprises applying for entrepreneurship support loans can be guaranteed by the Three Gorges Guarantee Company or local professional guarantee companies designated by the governments of all districts and counties (autonomous counties).

(four) the administrative fee waiver policy. Micro-enterprises shall go through the licensing, annual inspection and annual examination procedures, and be exempted from administrative fees within three years.

X. What are the penalties for violating the Administrative Measures?

One of the following acts shall be ordered by the micro-enterprise office of the county (autonomous county) to make corrections; If the circumstances are serious, the micro-enterprise office of the county (autonomous county) shall revoke the applicant's support qualification, and investigate the responsibility of the relevant departments according to law:

(1) Failing to use the capital subsidy funds according to the investment plan;

(two) to obtain the qualification of support by deception;

(3) Renting or lending support qualifications;

(four) false capital contribution, false registered capital, registered capital flight;

(5) Other illegal acts.

Departments and units of industry and commerce, finance, taxation, human resources and social security, finance, etc. shall, within the scope of their respective functions and duties, supervise the use of funds, business opening, closure and cancellation, and employment of micro-enterprises in the whole process according to law, and severely investigate and deal with acts of defrauding, evading waste and transferring funds and assets. Anyone suspected of committing a crime shall be transferred to judicial organs for criminal responsibility according to law. The applicant's malicious fraud, fraud, misappropriation of funds and other illegal acts are recorded in the enterprise credit information system or personal credit information system. Relevant administrative organs and financial institutions, based on bad credit records, take measures to prohibit or restrict illegal parties in terms of bank credit, administrative licensing and policy support according to law.

XI。 Answers to hot issues of public concern

1. Can foreign college graduates enjoy the micro-enterprise support policy when they come to Chongqing to study?

A: College graduates who come from other places to study in Chongqing can apply for micro-enterprise entrepreneurship support policies as long as their hukou (including collective hukou) is still in Chongqing. College graduates studying in different places in Chongqing can also apply for micro-enterprise entrepreneurship support policies as long as their hukou moves back to Chongqing.

2. What links do entrepreneurs have to go through to enjoy the support policy?

A: Entrepreneurs have to go through four main links: First, business application. Mainly by the township or street, industrial and commercial office to review the applicant's conditions. The second is entrepreneurship training. Training institutions will train applicants on entrepreneurial knowledge to improve entrepreneurs' entrepreneurial ability. The third is the business review link. An audit team composed of relevant municipal departments will conduct a centralized audit of the applicant's venture capital plan. The fourth is the registration link. After the applicant has passed the venture audit and the investment funds are in place, the micro-enterprise office will apply to the financial department for financial subsidies. After the capital subsidy funds are in place, the enterprise can complete registration and enjoy relevant supporting policies such as taxation and financing guarantee.

3. What does the startup audit mainly review?

A: The opening audit mainly examines the following contents: (1) Appraisal opinions on the completion of training institutions; Basic information about the enterprise to be established and the applicant; Information about products to be produced or services to be provided; Personnel and organizational structure of the enterprise to be established; Market forecast and marketing strategy; The production management plan of the products or services to be produced; Financial planning such as fund subsidy fund use plan; Relevant materials that should be submitted for registration; Venture investment and financing plan and other related content.

4. Can micro-enterprises that do not have mortgage or guarantee conditions apply for support policies for micro-enterprise loans?

A: Micro-enterprises that do not have mortgage or guarantee conditions can be guaranteed loans by the Three Gorges Guarantee Company. If the governments of all districts and counties (autonomous counties) designate local professional guarantee companies to provide guarantees for micro-enterprises, the Three Gorges Guarantee Company will provide them with re-guarantees. The guarantee company shall charge the guarantee fee according to the minimum standard of the current Measures for the Administration of Guaranteed Loans and not higher than 2% of the guarantee amount.

5. Can existing micro-enterprises enjoy supporting policies?

A: The support policy for micro-enterprises is mainly to encourage entrepreneurship. Therefore, the existing micro-enterprises can not enjoy the relevant support policies, and the applicants who start new businesses can only enjoy the micro-enterprise support policies once.

Twelve. Obtain relevant policies

You can log in to Chongqing Red Shield. Com "to inquire about the policies related to entrepreneurship support for small and micro enterprises. If in doubt, you can call the local industrial and commercial department for public consultation, or consult the office of the Municipal Leading Group for Micro-enterprise Development (Tel: 63835460).