If you work for yourself, look first at the entrepreneurship guarantee loan for start-up money: up to CNY 300,000 (30万元) for an individual, with half the interest paid by the government

In plain words

If you must borrow to get started, look first at this loan, which has an interest subsidy from the government. An individual can borrow up to CNY 300,000 (30万元) for up to 3 years, and the government pays half of the interest for you. One hard condition is often overlooked: when you apply, neither you nor your spouse may have other loans, and the only ones that don't count are student loans, small loans for people lifted out of poverty (脱贫人口小额信贷), mortgages, car loans, and small consumer loans under CNY 50,000 (5万元).