1. The maximum amount of small secured loan is 654.38 million yuan, and the loan period is two years. Loans to engage in low-profit projects, the state according to the benchmark interest rate rose by 3 percentage points.
2. Small secured loans are based on the principle of "territorial management", so you should apply to the employment bureau where your household registration is located. The required formalities, certificates and procedures are as follows:
(1) Handling financial institutions directly handle loans.
Step 1: Financial institutions lend money. The borrower applies to the handling financial institution and provides relevant loan application materials. Handling financial institutions shall accept and review according to the provisions of credit policies, and if they meet the requirements of credit access, handling financial institutions shall issue loans according to the provisions.
Step 2: Discount recommendation and filing. For those who meet the financial discount conditions and do not need counter-guarantee from guarantee institutions, the handling financial institutions shall issue the Recommendation Form for Small Loan Guidance and Entrepreneurship, and the borrower shall provide the following materials to the local employment bureau (labor and social security institutions of credit cooperatives, the same below) for the record within 10 working days after obtaining the loan:
1. The recommendation form for micro-loan entrepreneurship guidance issued by the handling financial institution;
2. Original and photocopy of industrial and commercial business license and tax registration certificate (partnership agreement and photocopy of partner's ID card are also required for partnership operation);
3. The original and photocopy of the bank loan contract;
4. Personal documents: ID card, household registration book, original and photocopy of re-employment concession card or unemployment certificate (employment unemployment registration certificate), support concession card, valid certificate of discharged soldiers, and certificate of rural workers entering the city to start a business.
Step 3: Qualification and condition review. The employment bureau shall, within 5 working days, organize personnel to verify the project situation, employment situation, business situation and loan situation of the applicant for the record, and collect relevant information. The Employment Bureau will submit the record verification to the Labor and Social Security Bureau for review and confirmation on a monthly basis (if it is reviewed, handled and verified by the labor and social security institutions in the credit union area, it will be reported to the Employment Bureau for review and confirmation, and will be reported to the Employment Bureau for record on a monthly basis).
Step 4: Participate in training and provide entrepreneurial services. In accordance with the relevant policies and regulations on entrepreneurship to promote employment, the Employment Bureau timely organizes qualified personnel to participate in entrepreneurship training organized by the labor and social security department and entrepreneurship service organized by the Entrepreneurship Guidance Center of the Employment Bureau; Strengthen daily management and follow-up services. , and establish relevant basic management accounting, establish and improve the management service operation mechanism.
Three, small secured loan institutions to guarantee loans.
Step 1: The borrower participates in entrepreneurship training organized by the labor and social security department and entrepreneurship services such as project provision and entrepreneurship guidance organized by the Entrepreneurship Guidance Center of the Employment Bureau, and obtains the training qualification (graduation) certificate.
Step 2: The borrower applies to the community where the household registration is located, fills in the Confirmation Form of Small Guaranteed Loan Application for Individual or Partnership Entrepreneurship in Guangyuan City (hereinafter referred to as the Confirmation Form of Personal Loan Application), and provides relevant loan application materials. The borrower shall provide the following information to the community where his household registration is located:
1, the original ID card of both husband and wife and 3 copies;
2. The original and 3 copies of the household registration book of both husband and wife;
3. The original marriage (divorce) certificate or unmarried certificate and 3 copies;
4. The original and 3 copies of the business place certificate;
5. Original and 3 copies of the "SIYB" entrepreneurship training certificate;
6, small secured loan project demonstration report;
7. The original and 3 copies of the residence certificate issued by the community where the husband and wife live;
8. One-inch recent photo of husband and wife1;
9, "personal loan application form" 3 copies;
10, 3 originals and photocopies of industrial and commercial business license and tax registration certificate.
The third step: community review. After the community where the borrower's household registration is located has passed the examination, it shall endorse the examination opinions on the Confirmation Sheet of Personal Loan Application, and report the qualified materials to the subdistrict office where the borrower's household registration is located.
Step 4: Democratic appraisal and qualification examination. The subdistrict office where the borrower's household registration is located shall, after receiving the above information from the borrower, review the borrower's loan qualification and application materials within 5 working days, conduct on-the-spot investigation on the borrower's business premises, and organize democratic appraisal. The appraisal results were publicized in the neighborhood offices and communities where the borrower is located for 3 days, and the review opinions were endorsed on the "Personal Loan Application Confirmation Form". Finally, report all the materials that meet the loan conditions to the office of the local small-sum secured loan coordination leading group.
Step 5: Review. The Office of the Small Guaranteed Loan Coordination Leading Group shall, within 5 working days after receiving the application materials, organize labor and social security, finance, employment, guarantee institutions and other units to conduct centralized and unified examination and approval of the loan application materials of the small secured loan applicants within their jurisdiction, and endorse the joint examination opinions on the "Personal Application Confirmation Form". Review financial institutions that meet the loan conditions and send them to undertake small secured loans.
Step 6: Loan investigation. The audited qualified small secured loan application, the handling financial institution shall conduct an investigation before lending, and inform the Office of the Small Secured Loan Coordination Leading Group whether to issue loan opinions within 5 working days, and report the small secured loan application that needs guarantee to the Small Secured Loan Coordination Leading Group for examination and approval.
Step 7: loan guarantee procedure. If it meets the application conditions after examination and needs to provide counter-guarantee procedures, the borrower can carry out counter-guarantee in the following four ways:
1. With the approval of the county labor and social security department, the small-sum guarantee institution where the borrower is located is reviewed according to the loan risk procedure. If the review needs to provide counter-guarantee procedures, the small guarantee institution shall handle counter-guarantee procedures in accordance with the regulations within 4 working days.
2. Upon the assessment and approval of the financial institutions that handle small secured loans, my house (with two certificates complete), automobiles, machinery and equipment (with purchase invoices attached), large durable consumer goods or securities can be used as collateral (pledge), and the registration department is exempt from mortgage registration fees for houses or other financial things used for mortgage.
3. Upon the assessment and approval of financial institutions handling small secured loans, the borrower provides counter-guarantee with the personal credit of on-the-job personnel of government agencies and institutions and other personnel with stable income.
4. If there is no third-party counter-guarantee, the borrower can counter-guarantee assets such as accounts receivable, trademarks, patents, equity and property rights upon the assessment and approval of financial institutions that handle small-sum secured loans.
Meet one of the following conditions, can be exempted from counter-guarantee, by the relevant departments or institutions issued a certificate of review or proof of exemption from counter-guarantee.
1. Laid-off and unemployed workers who have participated in entrepreneurship training and passed the examination in the community where the pilot of establishing a credit union area is carried out, completed the project entrepreneurship plan and passed the expert argumentation, are recommended by the labor and social security department of the jurisdiction, and signed a loan commitment letter with the credit union area after the county labor and social security department has examined and agreed.
2, credit cooperatives engaged in individual business and apply for business license, recommended by the regional labor and social security departments, county and district labor and social security departments for approval.
3. There are more than 5 employees in government agencies and institutions, middle-level cadres (managers) in domestic-funded enterprises with good economic benefits and foreign-funded enterprises with a certain scale, and financial institutions can directly issue small secured loans.
Step 8: borrow money. Upon examination, the handling financial institution shall sign a loan contract with the borrower and issue the loan to the borrower within 5 working days after signing the contract.