哪些对象可以申请个人创业担保贷款？

　　在城厢区内创业，在法定年龄段内，具有创业意愿、创业能力和创业条件、诚实信用的以下人员：

　　1.城镇登记失业人员

　　2.就业困难人员

　　(1)男年满50周岁以上、女年满40周岁以上的大龄城镇居民；

　　(2)持有第二代中华人民共和国的残疾人证且具有完全民事能力及劳动能力的城镇居民；

　　(3)享受城市居民最低生活保障的人员；

　　(4)连续失业一年以上的城镇居民；

　　(5)已参加失业保险并连续失业一年以上的农村进城务工劳动者；                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 

　　(6)城市规划区内的农村新被征地农民。

　　3.化解过剩产能企业职工和失业人员。化解过剩产能企业职工和失业人员,指按《福建省人民政府关于化解部分行业过剩产能的意见》（闽政[2016]30号）等规定，对钢铁、煤炭等行业淘汰过剩产能的企业的职工和失业人员。

　　4.参照享受就业困难人员政策农村三类人员，即实行计划生育的独生子女户、二女户中，男年满40周岁以上、女年满30周岁以上人员；持有第二代中华人民共和国的残疾人证且具有完全民事能力及劳动能力的人员；享受农村最低生活保障人员。            

　　5.建档立卡贫困人口。

　　6.复员转业退役军人。

　　7.刑满释放人员，含社区矫正期满人员、戒毒康复人员。

　　8.大中专院校（含技校）在校生及毕业5年内大中专院校（含技校）毕业生（含大学生村官等服务基层项目高校毕业生、港澳台高校毕业生和留学回国学生）。在我市范围内创业、具有市外户籍的大中专院校（含技校）毕业5年内的毕业生可视同我市户籍毕业生。

　　9.返乡创业农民工，主要指离开户籍所在地市外出务工或经商，近三年内返回户籍所在地县（市、区）创业的农民工（户籍地在乡镇或村的均可视为农民工）。

　　返乡创业农民工的认定：从辖区市外回来创业的农民工并具备以下条件之一的：

　　（1）近三年内持有外地市营业执照6个月以上或者有外地市营业执照注销证明的返乡农民工；            

　　（2）近三年内有在外地市缴纳社会保险费6个月以上的返乡农民工。

　　10.农村自主创业农民。

　　11.网络商户，指已在我市办理工商注册登记的网络商户，以及未办理工商注册登记但在第三方网络平台实名注册的网络商户创业者。

　　12.台湾同胞持有效期内《台湾居民来往大陆通行证》来莆就业创业的，按规定同等享受我市创业担保贷款贴息政策。