大学生想创业，怎么获得小额担保贷款？尿毒症患者长期透析能否获得医保的补助？昆明两会召开期间，记者就此采访了昆明市人力资源和社会保障局。

College students would like to venture,How to obtain small assure loan?Uremia patients long-term dialysis access to health care subsidies?Kunming CPPCC sessions,The reporter interviews the human resources and social security bureau of kunming.

　如何创业 How to venture

　　先培训再申请贷款 The first training to apply for loans

　　“我想申请创业贷款，应该从哪儿开始入手呢？”云南大学大四学生小张从大一开始就在大学城里练摊，几年的历练让他坚定了创业的决心。借鉴广州大学城的案例，他很想开一个专供大学生的快餐店，可是如何当老板、如何赚钱，这真是一门需要学习和实践的课程。

"I want to apply for a business loan,Where should starts?"Yunnan university senior student zhang from freshman year beginning in the university town to be a vendor,A few years of experience make him firm determination to the enterprise.Reference to the case of guangzhou university city,He is would like to open a fast food restaurant for college students,But how to when the boss/How to make money,This is a need to study and practice of the course.

　　2012年7月，昆明市被国务院表彰为全国创业先进城市，这是对近年来昆明市促进创业带动就业工作的充分肯定。在创业服务体系建设方面，昆明已经形成了一套较为系统的帮扶模式。针对小张的情况，市人社局工作人员建议他首先可以到学校的就业处报名，申请参加培训班，除了学习到企业构思、评估市场、团队建设等课程，最终撰写出一份详细的创业计划书。市就业局已在9所在昆高校开展毕业年度大学生的创业培训工作，促进更多的大学生毕业后就能走入创业的行列。

In July 2012,Kunming is the state council as a national advanced city for business,This is the kunming in recent years to promote entrepreneurial drive the employment of the full affirmation.In the innovation service system construction,Kunming has formed a set of systematic model of aid.According to the situation of zhang,City people club bureau staff suggested that he first can go to school employment registration,Apply to join the training class,In addition to learning to enterprise idea/Evaluation market/Team building courses,Finally to compose a detailed business plan.City aliens has set up a file in the 9 in Queensland university to carry out the graduation year college students' entrepreneurial training work,Promote more college students after graduation can walk into the ranks of the business.

　　其次，小张可以到学校所辖的劳动就业部门申请“贷免扶补”政策扶持，就业部门会为创业者提供创业咨询、项目评审、资金扶持、跟踪服务等“一条龙”创业服务。在办理了工商营业执照后可申请最高不超过10万元的创业小额贷款。为了做好贷后跟踪服务，昆明市已建立了“1+3”跟踪服务机制，确保每1名享受小额创业贷款的创业人员，都有1个承办单位负责服务，1名联络员负责联系协调，1名创业导师负责帮扶指导。

secondly,Zhang can go to school and employment department of the application"Credit help free up"Policy support,The employment department will provide business consulting for entrepreneurs/Project review/Capital support/Tracking service, etc"one-stop"Innovation service.In dealing with the commerce business license can be applied when the highest do not exceed 100000 yuan of entrepreneurial small loans.In order to do after credit tracking service,Kunming has established"1 + 3"Tracking service mechanism,To ensure that every one enjoy the small business loan business personnel,Have a organizer responsible for service,A representative responsible for relation coordination,A business supervisor is responsible for supporting guidance.

　　毕业后，小张还可以申请进入大学生创业园这个创业孵化平台，享受到免费办公场所和办公设备、通信费补贴、政策咨询、资金扶持、创业培训、专家辅导以及后续跟踪、法律咨询等创业服务。截至2012年12月，昆明已建成大学生创业园35个，入驻项目455个，带动就业人数5255人。对入驻创业园的人员优先提供小额担保贷款或“贷免扶补”小额贷款政策扶持。数据显示，从2009年到2012年，昆明已通过“贷免扶补”政策累计扶持15142人成功创业，发放创业小额贷款8.08亿元，直接带动近4.5万人就业，到期贷款还款率达100%。

After graduation,Zhang can also apply to college students pioneer park this business incubation platform,Enjoy free office and office equipment/TongXinFei subsidies/Policy advice/Capital support/Entrepreneurial training/Expert guidance and followup/Legal consulting business service.As of December 2012,Kunming has built college students pioneer park 35,In project 455,Drive the employment of 5255 people.In pioneer park to the personnel to provide small assure loan or priority"Credit help free up"Small loan policy support.Data display,From 2009 to 2012,Kunming already through the"Credit help free up"Policy accumulative total support 15142 people do poineering work successfully,Issue entrepreneurial small loans 808 million yuan,Direct drive of nearly 45000 people obtain employment,Matured loans repayment rates up to 100%.

　　除了贷款，小张还要注意收集其他创业扶持信息。比如，去年“泛海扬帆—昆明大学生创业行动”公益项目启动，昆明145个创业大学生报名申请资助，经过网络审核、资格审查和项目公示等程序，最终有41名大学生的创业项目获得2万至5万元不等的资金资助。截至今年1月10日，第一批资助款近70万元(资助金的50%)，已全部拨付给各申请人。

In addition to loan,Xiao zhang must pay attention to the collection of other business support information.Such as,Last year"Seamen away - kunming university student's pioneering work action"Public welfare project start,Kunming 145 business college students sign up for funding,Through the network audit/Credentials and projects such as public program,Finally have 41 college students' venture project was 20000 to 50000 dollars funding.So far this year on January 10,,The first batch of grant-in-aid nearly 700000 yuan(50% of the funding),Already all allocated to each applicant.

　居民医保 Residents medical insurance

　　分段报销降低自付费用 Section to submit an expense account to reduce out-of-pocket costs

　　因为患了尿毒症，住在梁源小区的汪女士每个月都得去医院透析，这让本来就不富裕的家庭背上了沉重的经济负担。汪女士参保了居民医保，一个月前，她托记者问问，自己这样的尿毒症患者能否享受医保报销。

Because had uremia,Live in the LiangYuan ms wang every month to go to a hospital dialysis,It makes originally not wealthy family back a heavy economic burden.Ms wang the ginseng residents medical insurance,A month ago,She holds a reporter ask,So the uremia patients can enjoy medical insurance reimbursement.

　　记者了解到，城乡居民医保将昆明市居民医保和新农合制度合二为一，实行同城同保，惠及近400万参保人。城乡居民基本医保筹资标准统一为每人每年306元，其实个人只需缴费50元(此前成年人缴费为70元)，其他均由财政补助。最高支付限额由原来的3万元提高到6万元，门诊统筹医疗费报销由原来的20%提高到50%，最高支付限额由原来的每年200元提高到400元等。

The reporter understands,Urban and rural residents medical insurance will kunming residents medical insurance and the new agriculture close 2 for one system,Practice with the city,Nearly 4 million people to ginseng.Urban and rural residents in the basic medical insurance financing standard unified 306 RMB/per person per year,In fact the individual pay cost only fifty yuan(Previously adults pay cost for 70 yuan),Other all by financial aid.Highest pay limitation from the original 30000 yuan raised to 60000 yuan,Outpatient service medical treatment plan as a whole to submit an expense account is increased from the original 20% to 50%,Highest pay limitation from the original 200 yuan a year increased to 400 yuan, etc.

　　而作为基本医保的有效补充，大病补充医保此次也随着新政进行了调整。记者昨日从医保中心获悉，大病补充医保已于上周出炉，有关负责人透露，新大病医保最大的亮点就在于分段报销，降低自付费用，减轻患者负担，保障大病医疗需求。以医疗费用为总额划分不同报销比例。以汪女士的情况来说，在一个自然年度内，她入院治疗的费用将以自付医疗费累计，凡是医保政策范围内自付医疗费累计超过2万元以上3万元以下(含3万元)部分统筹基金支付50%；3万元以上4万元以下(含4万元)部分支付60%；4万元以上5万元以下(含5万元)部分支付70%；5万元以上10万元以下(含10万元)部分支付80%；10万元以上个人自付。

As the basic medical insurance and the effective supplement,A serious illness supplementary medical insurance with the New Deal has been adjusted.From reporters yesterday that medical insurance center,A serious illness supplementary medical insurance has released last week,Relevant person in charge said,New medical illness the biggest bright spot is the section to submit an expense account,Reduce out-of-pocket costs,Reduce the burden of patients,Security needs medical treatment of a serious illness.With the total cost of medical treatment into different reimbursement ratio.Ms wong in the case,In a natural within the year,She hospital costs will be paid from the accumulated medical expenses,All within the scope of medical insurance policy from pay medical treatment fee accumulative total more than 20000 yuan of above 30000 yuan of the following(Including 30000 yuan)Part as a whole fund pays 50%;30000 yuan of above 40000 yuan of the following(Including 40000 yuan)Partial payment 60%;40000 yuan of above 50000 yuan of the following(Including 50000 yuan)Partial payment 70%;50000 yuan of above 100000 yuan of the following(Including 100000 yuan)Partial payment 80%;100000 yuan of above individual out-of-pocket.

　　此外，今年实施的《昆明市城乡困难群体重特大疾病医疗救助实施意见》则主要针对城乡最低生活保障对象、农村五保供养对象，当地政府规定的其他特殊困难群体提供医疗救助。重特大疾病救助病种中就包括了尿毒症，门诊救助标准全年累计救助金额不超过5000元，住院医疗救助全年累计救助金额不超过50000元。(罗南疆)

In addition,The implementation of this year[Kunming urban and rural difficult group and great disease medical assistance implementation opinions]It is aimed at urban and rural minimum living guarantee object/Rural "five guarantees" object,The local government regulations of other special difficult groups provide medical assistance.Great disease salvage diseases will be included in uremia,Outpatient service rescue standard annual accumulated salvage the amount is more than 5000 yuan,Hospital medical treatment of annual accumulative total amount of aid is no more than 50000 yuan.(ROM. Southern)