I. Introduction of Datong Bank's Venture Guarantee Loan
Datong Bank is a well-known local city commercial bank. It has many credit products, which can provide mortgage-guaranteed loan services for qualified entrepreneurs or small and micro enterprises. This product is subsidized by the financial department, mainly to support individual entrepreneurs and small and medium-sized enterprises to tide over the difficulties, so the cost is relatively favorable.
Second, the conditions for applying for a business guarantee loan
As this product is a special loan, only the following persons are eligible to apply:
Registered unemployed people in cities and towns with working age and good personal credit records, people with employment difficulties (including the disabled), demobilized veterans, released prisoners, college graduates (including university student village officials and returned students), employees and unemployed people in enterprises with overcapacity, migrant workers returning home to start businesses, online merchants, poverty-stricken people with established files and self-employed farmers in rural areas.
Small and micro enterprises also need to meet the following conditions:
1, which belongs to small and micro enterprises specified in Statistical Classification of Large, Medium, Small and Micro Enterprises (20 17).
2. In that year, the number of newly recruited small and micro enterprises that meet the application conditions for business guarantee loans reached 15% of the existing employees (enterprises with employees 100 or more accounted for 8%) and signed labor contracts with them 1 year or more.
3. There is no credit record of serious violations of laws and regulations, such as wage arrears and unpaid social insurance premiums.