What should I do if I have a "golden idea" and a good project, but I lack start-up capital? The guaranteed loan policy for entrepreneurship is one of the important ways for the human resources and social security departments to provide financing assistance for small and micro enterprises. With the assistance of the supporting interest discount policy, enterprises can enjoy a low-interest loan of up to 3 million yuan.
Although the policy is good, without professional guidance and assistance, many enterprises may not be able to quickly enjoy the preferential policies. Only when the policy really helps enterprises solve practical problems and helps enterprises develop steadily, can it give full play to its maximum value and significance. In order to better help the development of enterprises, the district human resources and social security department has provided considerate services, including policy interpretation, material preparation, etc., so that enterprises can obtain loans more conveniently and quickly.
In the hot land of Putuo, there are many enterprises that have been helped by entrepreneurial guarantee loans, and the Deer Hunting Research Institute is one of them.
It is reported that Shanghai Deit Information Technology Co., Ltd. English name: deltablue, abbreviation: Deer Hunting Digital Research, founded in December 2017, registered in Shanghai Business Incubation Demonstration Base China Normal University Science and Technology Park. Focusing on the field of interest e-commerce, Deer Hunting Digital Research is a first-class institution of ByteDance and a key cooperative institution of Douyin cross-border e-commerce brand self-broadcasting.
Due to the tight liquidity brought a lot of pressure to the company, the company had communicated with the opening bank about the loan intention, but unfortunately the result was not as expected. When he tried to apply for a policy-guaranteed loan from a relevant institution, he was also politely rejected during the review process. Faced with this dilemma, the company sent a request for help to the Science and Technology Park of East China Normal University.
After learning about the needs of enterprises from the Science and Technology Park of East China Normal University, the district human resources and social security department took quick action and conducted in-depth communication with enterprises. After many exchanges, the staff found that the company was in urgent need of a large amount of financial support due to undertaking new business projects. In order to solve the urgent needs of enterprises, the district human resources and social security department integrates multiple resources to build a bridge of communication with banks for enterprises. Through detailed understanding, it is found that the stuck point of the problem is on the "financial statement".
Therefore, under the active promotion of the district human resources and social security department and the East China Normal University Science and Technology Park, the bank conducted an in-depth investigation of the assets and credit status of the enterprise and the guarantor (actual controller). In the course of the investigation, the staff found that there were some omissions in the accounts of the enterprise, resulting in a certain discrepancy between the report data and the actual business situation. In response to this problem, the district human resources and social security department took the lead in coordinating the enterprise to reorganize the accounts and adjust the statements, so as to truly reflect the operating conditions of the enterprise, and finally make the financing application of the enterprise pass smoothly.
In the end, through the joint efforts of many parties, the company successfully obtained a loan of 1.5 million yuan in less than 60 days, successfully solving the current financial problem.
The effective combination of precise services and the actual needs of enterprises has enabled Deer Hunting Digital Research to obtain timely entrepreneurial guarantee loan assistance. The enthusiasm of the district human resources and social security department is not only reflected in the financial support provided to the enterprise, but also in the fact that they really care about the growth and development of the enterprise. After this successful assistance, the district human resources and social security department immediately reviewed the process and summed up the experience.
The relevant person in charge said: "We realize that small and micro enterprises do not have a deep understanding of the preferential enterprise policy, and there is a certain information gap. When applying for loans, enterprises often encounter problems such as poor communication with banks and non-standard online application operations. ”
In this regard, the district human resources and social security department quickly worked out a solution. Taking the loan incident of the Deer Hunting Digital Research Institute as an opportunity, the district human resources and social security department invited a number of banks and third-party evaluation agencies to jointly go deep into the community of the park to carry out publicity.
At the same time, the staff has carefully compiled a detailed loan application flow chart to provide intuitive and easy-to-understand guidance, so that enterprises can conduct online affairs more conveniently. In addition, it also strengthens the communication between enterprises and banks, and tailors "exclusive files" for them according to the actual needs of enterprises, which not only realizes the effective integration of resources, but also further forms a multi-party linkage working mechanism of "park (street)-district promotion-bank". And under the guidance of the relevant departments of the city, a "financing service commissioner" has been set up in the park to escort the development of enterprises.
In the next step, the district human resources and social security department will further give full play to the advantages of regional resources, continue to deepen the environmental soil suitable for creation and business, make full use of the guaranteed loan policy for entrepreneurship, and strive to solve the financing problems of small and micro enterprises and entrepreneurs, and help promote employment through entrepreneurship.