(a) general employment and re-employment microfinance conditions 1. Unemployed persons (except retirees and older laid-off workers) who have reached the age of 18, and natural persons with full civil capacity whose males are under 60 and females are under 55; 2. Good health, honesty and trustworthiness, entrepreneurial ability, re-employment training and certain labor skills; 3. Belonging to the permanent residence of the community neighborhood committee; 4. A partnership entity or small enterprise must have a fixed place of business and a certain amount of its own funds; 5. The business projects engaged in must be low-profit projects, and those engaged in the following projects may not issue small loans for employment and re-employment: construction, advertising, housing agency, pawn, sauna, massage, Internet cafe, oxygen bar, beauty salon, water bar, bar, foot washing, finance and insurance, post and telecommunications, entertainment, sales of real estate and transfer of land use rights. (2) General employment and re-employment micro-loan amount of 6540. 2. For borrowers with strong entrepreneurial ability and excellent entrepreneurial projects, the loan amount can be relaxed to 80,000 yuan; 3. According to the number of unemployed people absorbed by borrowers of small enterprises or partnership entities, the maximum loan amount shall not exceed 1 10,000 yuan per capita. (3) loan term. The term of the micro-loan for employment and re-employment shall not exceed one year at the longest, and it shall not be extended or repaid after the expiration. If it is necessary to continue the loan after the loan expires, you can re-apply for the loan to the local district and county labor and employment management department on the premise of paying off the original loan principal and interest, and re-apply for the loan at the loan bank after the approval of the labor and employment management department. The longest loan period shall not exceed one year. (4) Process and materials to be submitted: The borrower applies to the neighborhood committee of the jurisdiction and is recommended by the local street (town or township); Report to the county-level labor and employment management department, and the labor and employment management department shall, jointly with the financial department, transfer the information and review opinions to the loan bank within 5 working days after the examination and approval. After the loan bank accepts it, it shall promptly notify the borrower to fill in the Application (Approval) Form for Small Loans for Employment and Re-employment of XX Bank (hereinafter referred to as the Loan Application Form), and the borrower shall also submit the following materials to the loan bank: 1. Basic information of the borrower (1) Personal ID card and household registration book or household registration book of the natural person borrower ① (proof of spouse's identity is required for married people); (2) If the borrower is married, a marriage certificate is required; Unmarried, the applicant shall provide proof of unmarried or issue a declaration of unmarried; ③ Employment certificate, unemployment certificate, subsistence allowance, demobilized veterans and other relevant documents; (4) Relevant certification materials (such as business license, contract, sales certificate, neighborhood committee certificate, etc.). Individuals engaged in production, business or entrepreneurship; (5) a copy of the personal settlement account opened in the undertaking bank; 6. Audit opinions of the labor and employment management departments and financial departments in the districts and counties where they are located; All landowners need to provide other materials. (2) Business license, organization code certificate and tax registration certificate of the borrower of the small enterprise or partnership entity; (2) Articles of association or partnership agreement; (3) Certification materials of the legal representative or person in charge; (4) A copy of the loan card; (5) Relevant certificates for absorbing the unemployed (copies of unemployment certificate, labor contract, unemployment insurance, etc.). ); ⑥ settlement account information opened in the loan bank; ⑦ Power of attorney authorizing credit inquiry; The examination materials of the labor and employment management department and the financial department of the county; Pet-name ruby other materials that need to be provided. 2. Guarantee materials (1) Guarantee materials ① guarantor's ID card and household registration book or household registration certificate (proof of spouse's identity is required if the marital status is married); (2) If the guarantor is married, a marriage certificate is required; Unmarried, the applicant shall provide proof of unmarried or issue a "declaration of unmarried"; Credit certificate in the form of personal credit certificate issued by the guarantor; (4) The guarantor has proof materials of real estate or equivalent securities that are higher than the loan application amount 1.2 times; (five) the business license, organization code certificate, a copy of the articles of association and the certification materials of the legal representative of the enterprise; ⑥ Ensure the financial statements of the enterprise in the latest year and recent period; ⑦ Ensure a copy of the enterprise loan card; Legal documents to ensure that the enterprise agrees to guarantee; Pet-name ruby guarantee enterprise is higher than the amount of the loan application 1.5 times the copy of the real estate; Attending other materials that need to be provided. (2) Collateral (pledge) guarantee materials ① Original and photocopy of pledge certificate; ② Basis for proving the value of collateral; (3) Relevant copies (personal ID card, enterprise loan card, business license, organization code certificate, etc.). Certificate of ownership of pledge; (4) Legal documents that the mortgagee and his * * * people agree to provide mortgage guarantee for the loan; ⑤ Other materials that need to be provided.