I. Borrower's Information
Borrowers applying for personal small short-term credit loans shall meet the following conditions:
1. China citizens with permanent residence in China, permanent residence (or valid residence certificate) in local towns and full capacity for civil conduct;
2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule;
3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;
4. Abide by laws and regulations, and have no illegal acts and bad credit records;
5. Open peony credit card or current savings account in China Industrial and Commercial Bank;
6. Sign an agreement with the lender to deduct the loan from its peony credit card or current savings account;
7. Other conditions stipulated by the lender.
Two. Loan term and interest rate
(1) The term of personal small short-term credit loan is less than 1 year (inclusive).
(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
(3) The starting point of personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.
(four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.
Third, the loan application
When applying for a loan, the borrower shall provide the following information to the lender:
1, loan application approval form;
2. My valid ID. □ Support object: Young people under 40 years old start their first small loans; Small and medium-sized enterprise loans for young entrepreneurs under the age of 40 to start their second business.
□ Loan amount: the average per capita single loan amount is less than 6,543.8+0,000 yuan, with a maximum of 6,543.8+0,000 yuan; For small and medium-sized enterprises founded by young people, the loan amount is generally less than 5 million yuan, with a maximum of 30 million yuan; The loan period is generally not more than 3 years.
□ Loan interest rate: Preferential interest rate will be implemented for projects that are included in the credit platform of provincial, prefecture (city) and county governments. The interest rate of small loans under the lending model is determined by the development bank and local cooperative banks, and the interest rate of entrepreneurial youth loans with good credit records is preferential under the same conditions.
□ Basic process: 1. Young entrepreneurs and young start-ups submit written loan applications to the local youth start-up microfinance management office.
2. The local youth entrepreneurship microfinance management office preliminarily screens the loan projects, and recommends the loan objects and projects to the financing platform and guarantee platform after the audit.
3. After the financing platform and the guarantee platform review the loan objects and projects, they shall submit them to the local credit promotion association for organizing a loan review meeting.
4 projects reviewed and approved by the loan review meeting shall be recommended by the financing platform to the provincial branches of the Development Bank.
5. The provincial branch of the Development Bank will feedback the project audit to the Communist Youth League Committee.
6. For the approved project, the provincial branch of the Development Bank shall notify the financing platform and guarantee platform of the project application place in writing to sign a credit contract and issue loans. The financing platform entrusts commercial banks to issue loans to young entrepreneurs and young entrepreneurs, and young entrepreneurs and young entrepreneurs provide counter-guarantees to the guarantee platform.