광양시, "소상공인 최대 3천만원 대출·연 4% 이자지원"

전남 광양시가 경기침체로 운영난을 겪고 있는 소상공인에 대한 '2025년 광양시 소상공인 융자금 이차보전 지원사업'을 오는 25일부터 접수한다고 12일 밝혔다.

광양시에 따르면 소상공인 융자금 이차보전 지원사업은 대출을 받는 소상공인에게 2년 동안 연 4%의 이자를 시 예산으로 지원하는 제도다.

특히 올해는 금리 인하 추세를 반영해 이자 지원율을 기존 5%에서 4%로 조정했으며 대출 취급 금융기관을 지난해 8개 사에서 올해 14개 사로 확대해 소상공인의 이용 편의성을 높였다.

지원대상은 광양시에서 3개월 이상 사업장을 운영 중인 소상공인으로 유흥주점, 전자상거래 소매업, 성인용 게임장, 법무·회계·세무 서비스업 등 일부 업종은 지원 대상에서 제외된다.

대출 신청을 원하는 소상공인은 우선 광양시청 3층 투자경제과에 방문해 신청서와 구비서류를 제출해야 하며 추천서를 발급받은 후에는 광양시와 협약을 맺은 14개 관내 금융기관에서 대출을 받을 수 있으며 대출금액은 최대 3천만 원으로 제한된다.

협약 금융기관으로는 ▲광주은행(동광양금융센터, 광양지점) ▲IBK기업은행(광양지점)▲NH농협은행(광양시지부, 동광양지점) ▲우리은행(광양POSCO금융센터) ▲하나은행(광양지점) ▲신한은행(광양금융센터) ▲광양시새마을금고(본점) ▲지역 농·축협(동광양농협, 광양농협, 광양원예농협, 광양동부농협, 다압농협, 진상농협) 등이 포함됐다.

정해종 광양시 투자경제과장은 "소상공인 융자금 이차보전 지원사업이 소상공인의 경영 안정과 지역 경제 활성화에 기여할 것으로 기대한다"며 "소상공인을 위한 실질적인 지원책을 지속적으로 마련하겠다"고 밝혔다.

[아래는 구글로 번역한 영문기사 전문입니다. 영문번역에 오류가 있을 수 있음을 전제로 합니다. Below is the full English article translated by Google. It is assumed that there may be errors in the English translation.]

Gwangyang City, Jeollanam-do announced on the 12th that it will accept applications for the '2025 Gwangyang City Small Business Loan Secondary Support Project' for small business owners who are experiencing operational difficulties due to the economic downturn starting on the 25th.

According to Gwangyang City, the Small Business Loan Secondary Support Project is a system that supports small business owners who receive loans with an annual interest rate of 4% for 2 years from the city budget.

In particular, this year, reflecting the trend of interest rate reduction, the interest support rate was adjusted from 5% to 4%, and the number of financial institutions handling loans was expanded from 8 last year to 14 this year, increasing convenience for small business owners.

The support target is small business owners who have been operating a business in Gwangyang City for more than 3 months, and some industries such as entertainment establishments, e-commerce retailers, adult game centers, and legal, accounting, and tax service industries are excluded from the support target.

Small business owners who wish to apply for a loan must first visit the Investment and Economic Affairs Department on the 3rd floor of Gwangyang City Hall and submit an application form and required documents. After receiving a letter of recommendation, they can receive a loan from 14 financial institutions within the city that have signed an agreement with Gwangyang City. The loan amount is limited to a maximum of 30 million won.

The financial institutions that have signed an agreement include ▲ Gwangju Bank (Dong Gwangyang Financial Center, Gwangyang Branch) ▲ IBK Industrial Bank of Korea (Gwangyang Branch) ▲ NH Nonghyup Bank (Gwangyang Branch, Dong Gwangyang Branch) ▲ Woori Bank (Gwangyang POSCO Financial Center) ▲ Hana Bank (Gwangyang Branch) ▲ Shinhan Bank (Gwangyang Financial Center) ▲ Gwangyang Saemaul Geumgo (Head Office) ▲ Regional Agricultural and Livestock Cooperatives (Dong Gwangyang Agricultural Cooperative, Gwangyang Agricultural Cooperative, Gwangyang Horticultural Cooperative, Gwangyang Dongbu Agricultural Cooperative, Daap Agricultural Cooperative, Jinsang Agricultural Cooperative).

Jeong Hae-jong, head of the Investment and Economic Affairs Division of Gwangyang City, said, “We expect that the secondary collateral support project for small business loans will contribute to the management stability of small business owners and the revitalization of the local economy,” and added, “We will continue to prepare practical support measures for small business owners.”