(July 23, 2025)
JDFB D [2025] No. 1
Attention: all Relevant Enterprises in the District:
To thoroughly implement the Guiding Opinions on Promoting the Healthy Development of Small and Medium-sized Enterprises issued by the General Office of the CPC Central Committee and the General Office of the State Council, and the notice issued by the General Office of the State Council on Several Measures for Promoting the High-Quality Development of Specialized, Refined, Unique and Innovative Small and Medium-sized Enterprises, further foster a favorable environment for the development of small and medium-sized enterprises in our district, promote their healthy growth, and strive to reduce their financing costs, we hereby formulate the Implementation Measures for Financial Interest and Fee Subsidies under Policy-Based Guarantee Loans for Small and Medium-Sized Enterprises in Jing'an District for your earnest implementation.
Implementation Measures for Financial Interest and Fee Subsidies under Policy-Based Guarantee Loans for Small and Medium-Sized Enterprises in Jing'an District
To thoroughly implement the Guiding Opinions on Promoting the Healthy Development of Small and Medium-sized Enterprises issued by the General Office of the CPC Central Committee and the General Office of the State Council, and the notice issued by the General Office of the State Council on Several Measures for Promoting the High-Quality Development of Specialized, Refined, Unique and Innovative Small and Medium-sized Enterprises, further foster a favorable environment for the development of SMEs in our district, promote their healthy growth, and strive to reduce their financing costs, we hereby formulate supporting policies regarding financial interest and fee subsidies under guarantee loans provided to SMEs in our district through the Shanghai Small and Micro Enterprise Policy-Based Financing Guarantee Fund Management Center (hereinafter referred to as the Municipal Guarantee Center) in accordance with relevant national and municipal laws and rules, and in the light of the actual circumstances of this District. The Implementation Measures are as follows:
I. Scope of Support
We shall actively guide small and medium-sized enterprises to enter emerging industries and modern service sectors, vigorously support SMEs in their high-end development through technological innovation and brand building, and elevate the level and quality of their industrial development. We shall provide them with a broader and more comprehensive space for innovation and development, promote their healthy development, and leverage their important role in this District's economic development.
II. Support Content
1. Subsidy for guarantee fees of guaranteed loans
2. Subsidy for part of the interest on guaranteed loans
Policy-based guarantees refer to loan guarantees provided by the policy-based financing platform of the Municipal Guarantee Center to support small and medium-sized enterprises.
III. Support Standards
(I) Guarantee fee subsidy
The guarantee fee rate shall not exceed 1.5%, and subsidies shall be provided based on the actual amount of guarantee fees paid. The maximum amount of guarantee fee subsidies shall not exceed 300,000 yuan.
(II) Interest subsidy
1. Technology-based innovative enterprises, including:
(1) Enterprises that have obtained "high-tech certification".
(2) Enterprises that have obtained "specialized, refined, unique and innovative" title.
(3) Enterprises that have obtained "small giants of science and technology" title.
(4) Enterprises that have obtained the title of "Science and Technology Award" at the municipal level or above.
(5) Enterprises that have obtained "double-soft certification".
(6) Enterprises that have obtained "transformation of high-tech achievements".
Subsidies shall be provided based on a maximum of 30% of the bank's benchmark interest rate, and the specific subsidy amount shall not exceed 500,000 yuan.
2. Other small and micro enterprises shall be subsidized up to 20% of the benchmark interest rate, with the specific subsidy amount not exceeding 200,000 yuan.
IV. Basic Conditions
(1) Enterprises registered with the market supervision and administration authority, operating with independent accounting and assuming sole responsibility for profits and losses, and possessing legal person status.
(2) Have completed tax registration in this District in accordance with the law and fulfill tax obligations accordingly.
(3) Maintain an account with a state-designated commercial bank or other lawfully established financial institution, and possess a sound credit profile.
(4) Have no negative credit history or major civil or economic disputes.
(5) Maintain standardized financial accounting practices.
(6) Have fully repaid all bank loans, within one year following the loan repayment.
V. Application Materials
The District Finance Bureau is responsible for accepting application materials submitted by enterprises.
Enterprises must submit applications to the District Finance Bureau within one year of repaying their loans on time. They may also apply through the Government Online-Offline Shanghai platform and submit the required materials.
(1) Application Form (in duplicate).
(2) Guarantee fee invoice and payment receipt.
(3) Interest statement from the payment bank.
(4) Repayment certificate.
(5) Loan agreement.
(6) Application for the technology-based innovative enterprise subsidy requires submission of corresponding supporting documents.
Copies of the above materials must be stamped with the company's official seal.
VI. Cases not Eligible for Support
(1) Failure to submit the financial reports and related materials required by the financial authorities.
(2) Late or inability to repay the loan.
(3) The enterprise has a poor credit record.
VII. Supplementary Provisions
(1) For cases where both the relevant national and Shanghai policies and these Implementation Measures apply, the relevant national and Shanghai regulations shall prevail. The same recipients may avail themselves of preferential treatment, but they may not receive duplicate financial support funds.
(2) After the implementation of these Implementation Measures, the relevant standards for financial fee and interest subsidies shall be subject to these Implementation Measures. These Implementation Measures will be adjusted accordingly if there are major changes in national or Shanghai policies, and the national or Shanghai policies shall prevail.
(3) These Implementation Measures shall be effective as of December 1, 2024, and shall be valid for five years.
(4) Specific details regarding the review and disbursement process will be formulated separately.
(5) The District Finance Bureau shall be responsible for interpreting these Implementation Measures.