Business support information on new-type coronavirus infectious diseases

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Subsidy system relationship

About sustained benefit

What is a sustainable benefit?
A system that provides a widespread benefit to businesses that are particularly affected by the spread of new coronavirus infectious diseases, which supports the continuation of business and serves as a source of restart.

[Target]
・ Small-sized companies, small and medium-sized enterprises, small businesses, individual businesses including freelancers, and various other corporations whose sales have decreased by 50% or more compared to the same month of the previous year due to the impact of the new coronavirus infection
 
[Payment amount]
Total sales for the previous year (business revenue)-(50% year-on-year change, monthly sales x 12 months)
* By the above calculation method
Mid-sized companies, small and medium-sized enterprises, small businesses Up to 2 million yen
Individual business operators (including freelancers) up to 1 million yen.

(Contact information)
Small and Medium Enterprise Agency Finance and Benefit Counseling Service Phone: 03-3501-1544
* Weekdays / holidays 9:00 to 17:00
 
This project is 2020 because it is assumed the establishment of the supplementary budget of the degree, you may business is the future changes and the like. Detailed conditions and application methods will be announced on the website of the Ministry of Economy, Trade and Industry as soon as they are decided.

About "Subsidies and support for elementary school leave"

What is a subsidy for elementary school leave (for business owners who employ workers)?
As a measure to prevent the spread of new coronavirus infection, in order to respond to the decrease in income due to the leave of the worker who is the guardian of the child attending the elementary school, etc. Regardless of the annual paid leave under the Labor Standards Act, this is a grant to companies that have taken paid leave.

[Target business owner] 1. Or 2. Employers who have been required to take care of their children take paid leave (wage full payment) in addition to the annual paid leave under the Labor Standards Act.
1. As a measure to prevent the spread of new coronavirus infection, a child attending an elementary school (*) that was temporarily closed
* Elementary school, compulsory education school (elementary school process only), special needs school (up to high school), after school children's club, kindergarten, nursery school, certified children's school, etc.
2. Children attending an elementary school who may be infected with the new coronavirus, such as a cold symptom
 
[Payment] Wage equivalent paid during vacation × 10/10
* Payment is limited to 8,330 yen per day * Large companies and SMEs are the same

[Effective Date] 2020 vacation was acquired between February 27 to June 30 days

[Application period] March 18th to June 30th, 2020 (Planned to announce the holidays after April 1 on the following website)
 
What is elementary school leave support money (for individuals who work by contract)?
As a measure to prevent the spread of the new coronavirus infection, when an elementary school, etc. is temporarily closed, we provide support money to parents who work as individuals who can not do the work contracted to care for their children.

[Target] Those who fall under any of the following
1. Being a parent
2. Caring for the child in (1) or (2)
(1) As a measure to prevent the spread of new coronavirus infections, children attending elementary schools, etc. that have been temporarily closed
(2) Children who are deemed to be appropriate to take time off from elementary schools, such as children infected with the new coronavirus
3. Before the temporary closure of elementary school, etc., conclude a business consignment contract, etc.
Four. During the period of temporary leave such as elementary school, it became impossible to do business at the scheduled date and time based on the business consignment contract, etc. to care for the child
 
[Paid content] 2020 In a period from February 27 on June 30, the day that could not be working per day 4,100 yen (straight-line)
 
[Application period] March 18 to September 30, 2020
(Contact information) Call center for consultations on school leave subsidies and subsidies Phone: 0120-60-3999

Details of the system, application documents, and application submission destination are as follows

About "employment adjustment subsidy"

What is an Employment Adjustment Grant?
If an employer who has been forced to reduce its business activities due to economic reasons temporarily takes leave, provides training, or seconded to a worker to maintain the employment of the worker, the leave allowance and wage It is a part of the subsidy.
 
The following special measures will be applied to Hokkaido that issues an emergency declaration.
 
[Subsidy rate] SMEs 4/5, large companies 2/3 (Small companies 9/10, large companies 3/4 when dismissal is not done)

[Payment limit days] 100 days in 1 year (150 days in 3 years)

[Business operators subject to special exceptions] Business owners located in areas that have issued an emergency declaration and requested voluntary restraint

[Details of special measures]
1. Subsequent submission of notice of plans for leave, etc. is possible until 2020 June 30
2. Treated as meeting production index requirements (sales etc. decreased by 10%)
3. Even if the employment index (average value in the last 3 months) is increasing year-on-year
Four. Applicable to business owners less than 1 year after establishment
Five. Increase the subsidy rate to 4/5 SMEs and 2/3 large companies (* usually 2/3 SMEs and 1/2 large companies)
 
(Contact) Hokkaido Labor Bureau Phone: 011-788-2294, Hello Work Kutchan Phone: 0136-22-0248

About "overtime work improvement subsidy (coronavirus related special course newly established)"

As a new type coronavirus infectious disease countermeasureSupporting new business owners of teleworkAs the same measure as "Telework course for new coronavirus infection control"Supporting business owners to develop special leave provisions available to workers"Special Workplace Improvement Course" has been established as an overtime work improvement grant.
 
"Telework course for new coronavirus infection control"
[Target business owner] Small business owner who newly introduces telework as a new coronavirus infection control measure
* Applicable to business owners who are introducing it on a trial basis
 
[Approaches targeted for subsidies] Introduction and operation of teleworking communication equipment Creation and modification of work rules, labor-management agreements, etc.

[Main requirements] To carry out initiatives targeted for subsidies during the project implementation period
At least one worker who performed telework

[Implementation period of projects covered by the grant] February 17 to May 31, 2020

[Payment amount] Subsidy rate 1/2 Maximum amount per company 1 million yen
 
"Workplace awareness improvement special course"
[Target business owner] Business owners of small and medium-sized enterprises that establish a special leave provision that can be used by workers as a countermeasure for new coronavirus infections

[Approach targeted for subsidies] Creation / change of work rules, etc. Introduction / update of labor management equipment, etc.

[Main requirements] Develop special leave provisions that workers can use as a response to the new coronavirus during the project implementation period.

[Implementation period of projects covered by the grant] February 17 to May 31, 2020

[Payment amount] Subsidy rate 3/4 * If the scale of business is 30 people or less and the cost of facilities / equipment that contributes to the improvement of labor efficiency exceeds 300,000 yen, subsidize 4/5. The maximum amount is 500,000 yen.
 
(Contact information)
"Telework course for new coronavirus infection control"
Telework Counseling Center Telephone 0120-91-6479
 
"Workplace awareness improvement special course"
Hokkaido Labor Bureau Employment Environment and Equality Department Phone: 011-709-2311

Loan / interest subsidy system

About "interest-free and unsecured loans"

"Special loan for new coronavirus infectious disease"When"Special interest supply system"Realizing interest-free by using together.
 
What is the special loan for new type coronavirus infectious disease?
For businesses (including freelancers) whose business conditions have deteriorated due to new coronavirus infections, Flat interest rate regardless of creditworthiness and collateral, and cut interest rate by 0.9% from the base interest rate for three years after loanIs a loan provided by the Japan Finance Corporation.

[Finance target] One of the following who has suffered a temporary deterioration in business conditions due to the impact of the new coronavirus infection
1. Those whose sales for the last month have decreased by 5% or more compared to the same period of the previous year or the year before last
2. Those who have a business history of 3 months or more and less than 1 year and 1 month, and whose sales for the last 1 month have decreased by 5% or more compared to either of the following:
a. Average sales for the last 3 months (including the last 1 month)
b. Sales in December 2019
c. 2019 sales average amount of the October to December
* Sole proprietors (including freelance, limited to small-scale) respond flexibly to qualitative explanations of impacts.

[Usage of funds] Working capital, equipment funds [Security] Unsecured

[Lending period] Equipment within 20 years, operation within 15 years (of which less than 5 years deferment)

[Limited loan amount (separate frame)] Small and medium enterprises 300 million yen, national business 60 million yen

[Interest rate] Initial 3 years Base rate ▲ 0.9% Base rate after 4 years
SMEs 0.21% (base interest rate 1.11%) National business 0.46% (base interest rate 1.36%)
(Maximum rate cut: SMEs 100 million yen, national business 30 million yen)
(Contact) Japan Policy Finance Corporation Business Fund Consultation Dial Telephone: 0120-154-505
(Application window) Japan Policy Finance Corporation Sapporo Branch SMEs Telephone: 011-281-5221
Hokkaido Economic Center Building, Kita 1-jo Nishi 2-chome, Chuo-ku, Sapporo 060-0001
 
What is the special interest supply system?
Japan Policy Finance CorporationAmong small and medium-sized enterprises, etc., who have provided loans under the "special loan for new coronavirus infectious diseases", sole proprietors including freelancers, which have a particularly large impact, and those whose sales have sharply decreased.For example, we will provide financial support by supplying interest.
 
[Applicable subject] One of the small and medium-sized enterprises who borrowed by "Special loan for new coronavirus infectious disease", which meets the following requirements
1. Sole proprietor (including freelance, limited to small scale): No requirement
2. Small business (corporate business): Sales decreased by 15%
3. Small and medium-sized enterprises (businesses other than 1.2.): Sales decreased by 20%
* Small scale requirements
・ Manufacturing, construction, transportation, and other industries have 20 or fewer employees
・ Wholesale, retail and service industries have 5 or fewer employees

[Interest supply] Period: Initial 3 years after borrowing Upper limit of supply: SME 100 million yen, national business 30 million yen
(For inquiries) SME Financial Consultation Service Phone: 03-3501-1544

About "safety net loan"

What is Safety Net Lending?
Safety net lending has temporarily deteriorated due to changes in the social and economic environment, etc. (decrease in sales, etc.), but it is expected that the business condition will recover and develop in the medium to long term. It is a system to lend money to businesses.
 
[Target] Business operators expected to be affected in the future due to new coronavirus infection

[Use of funds] Working capital, equipment funds

[Credit limit] Small and medium-sized business 720 million yen National business 48 million yen

[Lending period] Equipment funds within 15 years Working capital within 8 years

[Stationary period] Within 3 years

[Interest rate] 1.11% for small and medium-sized businesses 1.91% for national businesses

(Contact) Japan Policy Finance Corporation Business Fund Consultation Dial Telephone: 0120-154-505
(Application window) Japan Policy Finance Corporation Sapporo Branch SMEs Telephone: 011-281-5221
Hokkaido Economic Center Building, Kita 1-jo Nishi 2-chome, Chuo-ku, Sapporo 060-0001

About "loan for business environment change type"

What is a business environment change type loan?
This is a loan system that contributes to stable management by facilitating the financing of necessary funds for small and medium-sized enterprises whose management is hindered by a new coronavirus infection.

1. Loan target Small business owners, etc. who fall under the following
(1) Small and medium-sized enterprises, etc. who are certified to be "specified small and medium-sized enterprises" based on the provisions of Article 2, Paragraph 5, Item 4 of the Small and Medium Enterprise Credit Insurance Act ⇒ Safety Net Guarantee No. 4 (SN4) Certified SMEs, etc.
(2) Small and medium-sized enterprises, etc. who have been certified as "specified small and medium-sized enterprises" based on the provisions of Article 2, Paragraph 5, Item 5 of the Small and Medium Enterprise Credit Insurance Act ⇒ Certified by Safety Net Guarantee No. 5 SMEs, etc.
(3) Small and medium-sized enterprises, etc. who have been certified as "special small and medium-sized enterprises" based on the provisions of Article 2, Paragraph 6 of the Small and Medium-sized Enterprise Credit Insurance Act ⇒ Small and medium-sized enterprises, etc. that have been certified as a crisis-related guarantee
(4) Businesses that have been directly or indirectly affected by the epidemic of new coronavirus-related pneumonia, and as a general rule, sales etc. have decreased by 5% or more compared to the same period of the previous year for the last month after the start of handling the system. In addition, SMEs, etc. who are expected to decrease sales by 5% or more over 3 months including 2 months from the same period of the previous year
 
2. Loan terms
・ Use of funds Business funds (including funds required to refinance road financing)
・ Lending amount within 200 million yen
・ Lending period within 10 years (of which deferred within 3 years) * Deferred within 2 years in case of crisis-related guarantee
・ Loan interest rate Fixed interest rate Within 5 years 1.0% per year
Within 10 years 1.2%
Floating interest rate 1.0% per year (limited to loans with a term of more than 3 years)
・ Collateral and redemption method According to the provision of the financial institution
・ Credit guarantee All guarantees are provided by the Credit Guarantee Society.
 
3. Guarantee rate
● In case of applying general warranty
0.45% to 1.90% per year depending on business conditions
(If you meet the requirements of the Credit Guarantee Association → discount 0.1% or 0.2%)
Guarantee of special small health application 0.72% per year
(If the requirements of the Credit Guarantee Association are met → 0.1% discount)
● In case of applying business stability related guarantee
Guarantee of regular insurance application 0.70% (SN4) / 0.60% (SN5)
Guarantee of applying unsecured insurance 0.68% (SN4) / year 0.58% (SN5)
Guarantee of applying special retail insurance 0.48% (SN4) / year 0.41% (SN5)
(If the requirements of the Credit Guarantee Association are met → 0.1% discount)
● When applying crisis-related guarantees
Guarantee of regular insurance 0.70%
Unsecured insurance coverage guarantee year 0.68%
Guarantee of applying special retail insurance 0.48% per year
 
Four. Handling period 2020 January 29-2021 January 31
 
Five. Handling financial institution
・ Hokkaido Bank ・ Hokuyo Bank ・ Dogai Head Office Bank Hokkaido Branch ・ Credit Bank ・ Credit Union
・ Dorin branch of Norinchukin Bank and Shoko Chukin Bank
 
6. Loan mediation application
・ Submission to Chamber of Commerce and Industry, Chamber of Commerce of Hokkaido, Central Association of Small and Medium Enterprises of Hokkaido, (S) Hokkaido SME General Support Center
·Documents to be submitted
(1) Loan mediation application form (Small and Medium-sized Enterprises General Promotion Fund Loan Procedure Attachment common first style)
(2) Other necessary attached documents
・ Two financial statements
* Those who have not completed the financial statements or declaration for the 2nd term can submit the financial statements (not required if there is no financial statement that can be submitted) and the latest trial balance.
・ Commercial register copy or registration certificate (for corporations)
・ Quotation or contract (submit as necessary)
・ Certificate of the mayor of being a "specified small and medium-sized enterprise" (in the case of loans (1) and (2))
・ Certificate of the mayor of being a "special small business person" (in the case of loan target (3))
・ Record (separate form) (for loan target (4))
* The above-mentioned record shall be attached in place of the "record (attached sheet No. 5 style)" of the attached documents in "4 Loan Application" in "Loan for Business Environment Change" of the SME General Promotion Fund Loan Procedure.
* In addition, when applying for a loan intermediation for the loans (1), (2), and (3), attach the necessary documents to the loan application (Small and Medium Enterprise General Promotion Fund Loan Procedure Appendix 2 common form) and handle it It is also possible to apply for a loan from a financial institution (“direct application”).
 
7. Point
Loans to respond to changes in the business environment [Certified companies] Lending procedures (new coronavirus-related pneumonia)
* For handling other than the above, refer to the SME General Promotion Fund Loan Procedure

About "Special loan for sanitary environment drastic changes"

What is a special loan for hygienic environmental changes?
Business stability of lifestyle-related business operators who have a significant impact on maintenance and improvement of hygiene level due to temporary deterioration of business conditions due to significant changes in hygiene environment due to infectious diseases or food poisoning (dramatic changes in hygiene environment) Is a special loan system for

[Finance target] Those who run a hotel, restaurant business, and coffee shop business that are having difficulty in financing due to a temporary deterioration in business conditions due to the occurrence of a new coronavirus infection, and who fall under any of the following
1. Sales for the last month have decreased by 10% or more compared to the same period of the previous year or the year before last, and are expected to continue to decrease.
2. Business conditions are expected to recover and develop over the medium to long term

[Use of funds] Working capital

[Limited loan amount] Separate frame 10 million yen (separate frame 30 million yen for the inn business)

[Interest rate] 1.91%

[Lending period] Within 7 years (of which deferral period is within 2 years)

[Handling period] 2020 February 21 -2020 August 31, 2008

(Contact) Japan Policy Finance Corporation Business Fund Consultation Dial Telephone: 0120-154-505
(Application window) Japan Policy Finance Corporation Sapporo Branch SMEs Telephone: 011-281-5221
Hokkaido Economic Center Building, Kita 1-jo Nishi 2-chome, Chuo-ku, Sapporo 060-0001

Other systems

Japan Post Insurance and Japan Post support measures

Japan Post Insurance and Japan Post provide assistance to policyholders of Japan Post Insurance and simplified life insurance contracts, such as extending the grace period for premium payments and reducing or exempting the interest rate applied to emergency loans for ordinary loans. doing.

Inquiries regarding information on this page

Niseko Town Hall
TEL:0136-44-2121
FAX:0136-44-3500