The threshold for starting a business in Nanjing is getting lower and lower, and there are more and more benefits-what are those who don't want to live a mediocre life waiting for?
I. Project terms
Choose a good project before starting a business.
It should be the "sweet cake" that everyone is vying for, but not many people really "eat". In 2002, the Help Center of Nanjing Federation of Trade Unions took the lead in launching a small secured venture loan of120,000 yuan, but so far only 41190,000 yuan has been lent, and two-thirds of the loans have not been loaned. Although the center has received more than 4,000 consultations and applications, the actual number of lenders is less than 200.
Why is this happening?
As it turns out, most applicants can't come up with mature entrepreneurial projects.
The reporter learned from the Municipal Federation of Trade Unions that the loan applications submitted by the guarantee center to banks are all business plans or loan project books demonstrated by entrepreneurial guidance experts or loan guarantee recommendation agencies. A mature business plan should include many contents, such as a clear operator and business premises, a mature business project with market research, including the market potential, profit cycle and business environment of this project. These contents are not seen in the "original" scheme submitted by most applicants.
It is understood that the government has done a lot of work in supporting laid-off workers to start their own businesses. For example, there is no handling fee for applying for a micro-loan for starting a business. If it is real estate mortgage, you only need to pay 40 yuan handling fee and 5 yuan form fee (the normal handling fee for real estate mortgage is more than 2,000 yuan). However, judging from the current applicants, most of them know nothing about entrepreneurial projects, and many people are lying at home and waiting for projects. In order to improve the success rate of entrepreneurship, the guarantee center set up an expert consulting team for entrepreneurship guidance and invited "second-time entrepreneurial stars" to make suggestions for laid-off workers. If you want to start a business and meet the loan application conditions, you can get "special care" from experts in the expert guidance group as long as you apply.
In addition, the Municipal Federation of Trade Unions has contacted Taihe Law Firm, and it is expected that laid-off workers who apply for small loans to start businesses in the first half of this year will enjoy free legal services. A good entrepreneurial project is the premise of entrepreneurial success. The person in charge of the center suggested that interested entrepreneurs should read more relevant websites, pay more attention to the successful practices around them, consult relevant departments and carefully choose their own entrepreneurial projects.
1, entrepreneurial projects and counter-guarantee conditions are relaxed.
What should I do if I want to start a business but have no funds?
The reporter learned from the small loan guarantee center for laid-off workers in the city that in the past two years, the center has issued loans of nearly 2 million yuan, helping nearly 65,438+10,000 people to embark on the road of entrepreneurship and employment. This year, the guarantee center will increase the loan amount and lower the threshold.
Considering the limited income of most laid-off workers, the guarantee center will identify valuables for pledge guarantee free of charge. At the same time, the "green channel" of real estate mortgage guarantee in six urban areas of the city and two suburbs of Jiangning and Pukou has been cleared, and small business loan personnel do not charge a penny for real estate mortgage. In the past, only old industries such as catering, clothing sales, food production, old-age care, and medical equipment industries could get loans. Now some emerging entrepreneurial projects such as planting and breeding are also included in the scope of loans. The conditions for counter-guarantee have also been relaxed. In addition to the original provision that civil servants and staff of institutions with stable income can provide guarantees, individual bosses with good economic benefits and a certain scale of operation and white-collar workers with stable income can also provide counter-guarantees.
2. Laid-off workers can borrow up to 50,000 yuan.
As long as they are laid-off workers in Nanjing, have permanent residence in Nanjing, are under 60 years old, have certain labor skills and have entrepreneurial intentions, they can apply for small loans in the guarantee center.
It is understood that the guarantee center cooperated with Hongwu Sub-branch of Nanjing Commercial Bank, and the government allocated 3 million yuan, and the bank issued loans according to the ratio of 1:4. Among the loans that have been issued, the amount of individual applications is generally 20,000-30,000 yuan. Appropriately increase the loan amount this year, with a maximum loan of 50,000 yuan. In addition, if laid-off workers form an entrepreneurial team to form a joint-stock enterprise or partnership enterprise, the maximum loan can be 300,000 yuan. At the same time, the guarantee center also put forward a new policy of "three priorities and two expansions": "second venture base" loan priority, job creation priority and good integrity priority; Enlarge the loan amount and scope (not only in the main city, but also in all suburbs of Nanjing).
3. Applying for a loan is divided into three steps.
The first step is for the applicant to consult the guarantee center. The applicant holds ID card, re-employment concession card and other relevant documents, and writes an Application Report for Business Plan Loan, detailing the borrower's natural conditions, self-employed projects and current market operation analysis, loan purpose and loan amount, profit forecast and repayment plan. At the same time, it is also necessary to fill in the Application Form for Small Guaranteed Loan for Personal Entrepreneurship and the Counter-guarantee Contract provided by the guarantee center.
The third step is bank loan. The approved loan application shall be reported to the bank by the guarantee center, and the bank shall sign a guarantee contract with the guarantee center to issue loans. The guarantee center's commitment is to let the applicant get the loan within 15 days after the application materials are delivered. But not all loan applications can be satisfied. To obtain loans, there must be mature projects to ensure legal operation.
For some collective loan projects of joint-stock and partnership business households, the Help Center for Poor Workers has also launched a door-to-door office service, where the staff of the credit department of the signing bank bring application forms, loan contracts and other materials to the door to apply for loans for customers.
4. 19 kinds of entrepreneurial projects can be discounted.
The repayment period of small loans is one year, and the interest rate is determined according to the loan interest rate level published by the People's Bank of China. In order to encourage entrepreneurship, the municipal government implements government interest subsidies for 19 low-profit industries. These 19 industries are: cottage industry, repair and replacement, book lending, hotel service, catering service, dyeing, printing and typing, haircut, small dining table, canteen, moving, hourly service, household cleaning and sanitation service, primary health care service, infant care and education service, education and training service for disabled children, old-age service, patient care and transportation service for children and students.
Three. Register articles
1, it is no longer difficult to start a business in industrial and commercial tax.
In 2004, Nanjing was called "Year of Entrepreneurship" by the media. Relevant departments of provinces and cities have issued a series of favorable policies for entrepreneurship. Nanjing is at the forefront of the national entrepreneurship policy reform by innovating and simplifying the links of registered capital verification, name approval, pre-approval and registration review.
Last year, Nanjing Industrial and Commercial Bureau issued the Notice on Further Relaxing Market Access Conditions, which was divided into 8 categories and 23 articles to relax market access restrictions and encourage investment and entrepreneurship. On March 1 2004, the Nanjing Municipal Government forwarded the opinions of the Municipal Administration for Industry and Commerce on further relaxing market access, encouraging entrepreneurship and promoting enriching the people. The introduction of this opinion will maximize the activation of private capital and drive a new round of entrepreneurial upsurge in Nanjing. Ten new measures of "encouraging entrepreneurship and enriching the people" listed in the Opinions were implemented on March 10. It is reported that this 10 measure has relaxed the market access conditions in many aspects, fully liberalized the space for enterprises to operate independently, promoted the accelerated development of the individual and private economy, and further released the potential of private investment. The strength of reform and innovation is in the forefront of similar cities in China.
The reporter learned from the relevant departments that the ten new policies are a major breakthrough in previous policies, and each one has a real appeal to entrepreneurs, so that Nanjing citizens can realize their boss dreams with the least money and the simplest procedures.
There are strict rules for starting a company and running a business, and the highest threshold is more than 30 million yuan. In the new policy, the registered capital of various enterprises has been greatly adjusted. Venture Capital Co., Ltd. used to require a registered capital of more than 30 million yuan, but now it only needs more than 6.5438+million yuan; Venture Capital Co., Ltd., the registered capital used to be more than 50 million yuan, but now it is relaxed to more than 30 million yuan; The registered capital of venture capital management companies has also dropped to 6,543,800 yuan.
3. Registered capital can be put in place in batches.
Preparing registered capital is the primary task of establishing a company. According to the Company Law, the minimum registered capital of a company service enterprise is 654.38+10,000 yuan, that of a retail enterprise is 300,000 yuan, and that of a production and wholesale enterprise is 500,000 yuan, and they must all be in place before they can operate. Registered capital of less than 500 thousand yuan can be put in place by stages. This provision has become an insurmountable threshold for most self-made entrepreneurs, especially laid-off workers. The first step of the new policy to relax the establishment of enterprises to the maximum extent: when an enterprise is established, investors only need to pay the minimum registered capital stipulated by the state, and the rest can promise to pay it in one lump sum or in two installments within three years. This move is to reduce the amount of registered capital in disguise, so that investors have more funds to invest in business and create greater benefits for enterprises.
4. New Deal capital verification can be handled in the bank.
Once upon a time, enterprise capital verification was the biggest headache for entrepreneurs. When an enterprise is registered, it must submit a capital verification certificate issued by a statutory capital verification institution with capital verification qualifications before it can apply for a business license. Therefore, investors should look for intermediaries with capital verification qualifications to apply for capital verification, pay money, and complete the formalities. The new policy stipulates that investors only need to open a "special account for registered capital of enterprises" in a bank with a "special account for registered capital" and deposit the registered capital in currency. The administrative department for industry and commerce may confirm it according to the capital certificate issued by the bank. This alone saved 500 yuan's handling fee and five days for each investor, and saved 8 million to100000 yuan for newly established enterprises throughout the year.
5. Fully liberalize the name and business scope.
Want to open a restaurant? As long as the name is different from others, you can do whatever you want now.
In the past, the legal time for name registration was 5 working days. Now, applicants can apply for name pre-approval on the spot as long as they fill in the application form with their identity certificates. In addition, the new policy also relaxed the restrictions on investors and enterprise names. That is, in addition to those who are prohibited from investing in enterprises by laws and regulations, employees on the job can also contribute to become shareholders of non-foreign-funded enterprises. If an enterprise uses an original brand name with a registered capital of 10 million yuan or more, its name shall not reflect the characteristics of the industry. For example, a textile enterprise may be directly registered as "Great Wall Company" or "Yellow River Company" and so on.
The scope of business has also been relaxed. Where there is no prohibition or restriction by the state, enterprises can choose their own business scope according to their own conditions, and the business scope of enterprises shall be approved by the industrial and commercial departments according to the articles of association.
Investing in an enterprise often requires a license for everything, and some enterprises have to wait for a business license for about one year. This is by no means news. Zhu Youfa, director of the Nanjing Municipal Administration for Industry and Commerce, said that in the past, the application materials for enterprise establishment registration were strictly reviewed, so it took a long time. After the introduction of the new policy, the enterprise preparation registration system will be implemented to encourage unemployed people to apply for enterprises. For enterprises that do not have the conditions in the process of applying for the establishment of an unincorporated enterprise, but can be improved within one year, they may first issue a business license, affix the seal of "preparatory enterprise" on the license, and implement "preparatory management". The pre-approval of public security, health, environmental protection and other departments can be accepted by the industrial and commercial departments and then submitted to you for parallel approval.
7. Production enterprises "open small stoves"
The proof of the past business premises must be the ownership certificate and lease agreement issued by the housing and land management department. After the implementation of the new regulations, if the production site of a production-oriented private enterprise cannot be solved when it is registered, it is allowed to register at the registration site first and issue a business license valid for one year. The enterprise will implement the production site and go through the corresponding procedures within one year. When relaxing the requirements of registration materials for the main residence of the market and going through the registration formalities, except for the ownership certificate issued by the housing and land management department, if there is no lease procedure, the certificate issued by the local government or its dispatched institution agreeing to use the place for business operation can be used as the proof of the enterprise residence (business premises) and the business premises of individual industrial and commercial households.
8. Farmers don't need to register enterprises in cities.
After the implementation of the new regulations, the original unlicensed urban mobile vendors no longer need to hide and fight "guerrilla warfare" with the industrial and commercial departments. The new regulations relax the registration requirements of rural self-employed households. In the past, the requirements for the registration of small business vendors in rural areas were not clear. This time, it is clearly stipulated that mobile vendors such as small business vendors legally operating in rural areas and farmers who sell their own agricultural and sideline products in cities will no longer be registered. Make use of the contract management function, vigorously develop brokers and intermediary organizations, and implement free training and certification for agricultural and sideline products brokers. At the same time, the person in charge of the industrial and commercial department said that in the future, small business hawkers operating without a license will no longer be investigated, and farmers can go to the city to sell agricultural and sideline products with confidence.
9. A joint venture company may be established by an individual.
Want to establish a joint venture with foreign investors as a natural person? It was impossible before, but now it is possible.
Before the promulgation of the Opinions, the industrial and commercial departments only allowed enterprises as legal persons, institutions, sole proprietorships and partnerships as Chinese investors to invest in Sino-foreign joint ventures and Sino-foreign cooperative enterprises according to relevant policies. According to the new regulations, with the consent of the municipal government, Nanjing has taken the lead in relaxing the conditions for joint ventures and cooperation between citizens and foreign investors nationwide. In addition to the personnel prescribed by laws and regulations, China citizens (including on-the-job personnel) may establish joint ventures and cooperative enterprises with overseas economic organizations or individuals.
10, encouraging "knowledge" to invest in stocks.
1 1, the road to entrepreneurship for graduates is no longer bumpy.
Nanjing is a famous historical and cultural city in China. The position of the political center of the ancient capital of the Ten Dynasties has caused Nanjing people to value officials over business. A large number of state-owned enterprises have also restrained the growth of the non-public economy to a certain extent, and Nanjing youth generally have a mentality of seeking stability and not seeking change. With the increasingly severe employment forms of college graduates, relevant departments have begun to encourage young people to start businesses and support college graduates to start their own businesses. Except for industries restricted by the state, the registration fee for individual industrial and commercial households, the management fee for individual industrial and commercial households, the management fee for bazaars, the verification fee for economic contracts and the production fee for demonstration texts of economic contracts shall be exempted within 1 year from the date of approval.
Nowadays, the streets of Nanjing are full of the shadow of private capital. The introduction of the new policy is undoubtedly another masterpiece of Nanjing's road to enriching the people, and the hopes of entrepreneurs need not be terminated by cumbersome procedures. The relaxation of private capital in the market will make a steady stream of huge private capital flow to the market unimpeded and create greater social wealth.
Fourth, preferential articles
1. There are three kinds of preferential tax policies.
It is understood that by the end of September 2003, nearly 2 million laid-off workers in China had enjoyed preferential tax policies, and the accumulated tax relief was about 3.5 billion yuan. This year, China will continue to implement the corresponding preferential tax policies.
At present, the system of preferential tax policies for reemployment can be summarized into three categories: first, preferential tax policies to encourage and support laid-off workers to find jobs and start businesses; Second, preferential tax policies to encourage enterprises to actively absorb laid-off workers; The third is the preferential tax policy to encourage large and medium-sized state-owned enterprises to separate the main and auxiliary to resettle surplus personnel. After the introduction of the new re-employment policy, the old policy is still valid. Enterprises can choose the most favorable policies according to their own actual conditions, but they cannot implement them cumulatively. These preferential policies have been implemented since June 5438+1 October12003. Except for the VAT and business tax policies, other policies are valid for three years.
2. Self-employment and self-employment of laid-off workers can be reduced or exempted. Laid-off workers engage in self-employment. Except for industries restricted by the state, such as construction, entertainment, advertising, sauna, massage, Internet cafes, oxygen bars, etc. Business tax, urban construction tax, education surcharge and personal income tax shall be exempted within three years from the date when the industrial and commercial department approves its operation. Since the country raised the threshold of business tax and value-added tax from 5438+ 10/on June 2003, it means that laid-off and unemployed people engaged in self-employment can continue to be exempted from value-added tax and business tax if they do not reach the threshold of monthly turnover after enjoying tax-free treatment for three years.
The specific adjustment is: the threshold of value-added tax for goods sales is adjusted to 5000 yuan per month; The threshold for selling taxable services is adjusted to a monthly sales of 3,000 yuan; The threshold for each tax payment is adjusted to 200 yuan for each (daily) sales; The threshold for paying business tax on schedule is adjusted to a monthly turnover of 5,000 yuan; The threshold for individual rental housing to pay taxes on schedule is adjusted to monthly turnover 1000 yuan; The threshold for each tax payment is adjusted to each (daily) sales 100 yuan.
Newly established enterprises in Jiangsu Province (established after September 30, 2002) are the main channels to create new jobs. The government has given great concessions to this: before the end of 2005, new service-oriented enterprises (except industries restricted by the state) that absorb more than 30% of the total number of employees will be exempted from business tax, urban maintenance and construction tax, education surcharge and enterprise income tax for three years; If the absorption ratio is less than 30%, the enterprise income tax will be reduced or exempted according to the absorption of laid-off workers accounting for 2 times of the total number of employees in the enterprise, that is, for every absorption 1%, the enterprise income tax will be reduced or exempted by 2%; For newly established commercial retail enterprises that only engage in retail business, they can enjoy preferential policies other than business tax under the same conditions (because commercial enterprises do not pay business tax).
Tax incentives are also given to existing enterprises (established before September 30, 2002) that expand production scale and absorb laid-off and unemployed people for re-employment: for existing service-oriented enterprises (except industries restricted by the state) and commercial retail enterprises that only engage in retail business, before the end of 2005, laid-off and unemployed people in new positions will reach more than 30% (including 30%) of the total number of employees, and they will enjoy 30% reduction and exemption every year for three years. Among them, enterprises that are exempt from education surcharge are also exempt from local education surcharge.
4. Large and medium-sized state-owned enterprises have preferential treatment for the placement of surplus personnel. Economic entities (except those established by restructuring such enterprises (such as finance, insurance, posts and telecommunications, construction, entertainment, selling real estate and transferring land use rights) can enjoy preferential treatment of exemption from enterprise income tax within three years if they meet the following four conditions: First, they can use the non-main business assets of the original enterprises, idle assets or the effective assets of closed bankrupt enterprises; Second, independent accounting, clear property rights, and gradual diversification of property rights; The third is to absorb the surplus staff of the original enterprise to reach more than 30% of the total number of employees in this enterprise (inclusive); The fourth is to change or sign a new labor contract with the redundant personnel who have been placed.
5. How do enterprises handle preferential tax procedures?
The procedure is divided into two steps: first, prepare the materials and submit a written application to the local labor and social security department. If it meets the requirements, the labor department will issue the "Certificate of Newly Established Service Enterprises for Absorbing Laid-off Workers". After obtaining the Certificate of Recognition, you can submit the following materials to the local competent tax authorities to apply for tax reduction or exemption, and you can enjoy preferential tax treatment after approval.
▲ What materials do enterprises need to submit for appraisal?
1. Copy of business license; 2. A copy of the tax registration certificate; 3 laid-off workers "re employment concession card" and a copy of the original; 4. Staff roster (corporate seal); 5. The original and photocopy of the labor contract signed between the enterprise and the newly recruited laid-off workers; 6 copies of the records (vouchers) of the enterprise paying social insurance premiums for employees; 7. Copy of enterprise wage payment voucher (payroll) (enterprise seal); 8. A copy of the annual inspection registration certificate of the Ministry of Labor and Social Security and a copy; 9. Other materials required by the labor and social security department ▲ What materials do enterprises need to provide when applying for tax reduction or exemption? 1. application form for tax reduction or exemption; 2. A copy of the business license; 3. A copy of the tax registration certificate; 4. A copy of the Letter of Confirmation of Newly Established Service Enterprises for Absorbing Laid-off Workers; 5. Balance sheet and income statement; 6 service enterprise operating income schedule; 7. Other materials required by the competent tax authorities.
Due to the different nature of the enterprise, the information required will be different in items 4 and 6.
6. How do individuals handle preferential tax procedures?
Laid-off workers who start their own businesses can hold the following materials after receiving the tax registration certificate: 1. Copy of business license; 2. A copy of the tax registration certificate; 3. Re-employment concession card; 4. For other materials required by the competent tax authorities, apply to the local competent tax authorities for tax reduction or exemption. After being approved by the tax authorities at or above the county level, you can go through the tax reduction or exemption procedures for business tax, urban maintenance and construction tax, education surcharge and personal income tax at the local competent tax authorities.
The "Re-employment Concession Card" is a certificate for laid-off workers to start their own businesses and continue to enjoy tax support policies. Only laid-off workers with this card can apply for tax reduction or exemption this year.