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Guiding Opinions of Xi People's Government on Supporting College Students' Self-employed Loans (for Trial Implementation)
Municipal Development [2008] 12 1
People's governments of all districts and counties, departments and institutions directly under the Municipal People's Government:
In order to further implement the Opinions of the Municipal Party Committee and the Municipal Government on Improving the Investment Environment for Self-employment and Promoting the Self-employment Investment of the Whole People (Shi Fa [2007] No.215), encourage college students to start their own businesses and drive more people to achieve employment and re-employment, the municipal government decided to set up a loan fund to support college students to start their own businesses. In order to do this work well, this guidance is formulated.
I. Guiding ideology
Fully implement the spirit of the 17th National Congress of the Communist Party of China, take Scientific Outlook on Development as the guide, actively promote entrepreneurship for all, and gradually establish an entrepreneurial support system for college graduates with safety characteristics, so as to solve the problems existing in the process of college students' self-employment, such as high threshold, insufficient training, limited capital channels and poor information exchange, effectively promote entrepreneurship for all in our city to a new level and make contributions to the economic and social development of Angola.
II. Organizational leadership and responsibilities
The coordination office for Xi's support for college students' self-employment loans (hereinafter referred to as entrepreneurship loans) was established, led by the Municipal Entrepreneurship Office, with the Municipal Finance Office, the Municipal Finance Bureau, the Municipal Science and Technology Bureau, the Municipal Labor and Social Security Bureau, the Municipal Personnel Bureau, the Municipal Commercial Bank and other departments as members. The work coordination office is responsible for guiding and coordinating the work of venture loans; Formulate relevant policies for venture loans; To formulate the annual work plan for venture loans; Establish a regular consultation mechanism to guide, evaluate and supervise the work of venture loans; Submit a work report on venture loans to the municipal government; Review and adjust the scale of venture capital and other related work.
Third, the responsibilities of various departments.
All departments of the coordination office of entrepreneurial loans should conscientiously do a good job in the work related to college students' entrepreneurial loans.
(a) City Entrepreneurship Office is responsible for coordinating the daily work of college students' entrepreneurial loans, formulating management measures for college students' self-employment training, identifying the qualifications of college students' self-employment training bases, and issuing training certificates.
(two) the Municipal Finance Office is responsible for taking the lead in formulating policies related to venture loans.
(three) the Municipal Finance Bureau is responsible for raising and managing the college students' entrepreneurial loan fund, and supervising the use of the college students' entrepreneurial loan fund.
(four) the Municipal Labor and Social Security Bureau, the Municipal Personnel Bureau and other departments are responsible for the self-employment training of college students.
(five) the Municipal Science and Technology Bureau is responsible for formulating the evaluation methods for college students' self-employment projects and organizing the evaluation of entrepreneurial projects.
(six) city commercial banks are responsible for the issuance and recovery of entrepreneurial loans, as well as the post-loan management and responsibility collection of entrepreneurial loans. All departments of the coordination office of entrepreneurship loan should attach great importance to the work of entrepreneurship loan for college students, strengthen cooperation and communication, formulate simple and easy management measures and implementation rules according to their respective responsibilities, and determine the person responsible for this work.
Fourth, the nature of the loan.
Venture loan is a loan that the municipal government introduced the credit system into the self-employment service system in order to promote the national entrepreneurship, which was jointly developed with the municipal commercial bank, guaranteed by Xi 'an Economic and Technological Investment Guarantee Co., Ltd. and independently issued by the municipal commercial bank.
V. Object and conditions of loan application
(1) The loan object is a small legal person enterprise established after June 5438+ 10/in 2008, with its registered place and tax relationship in Xi municipal area, engaged in research and development, production and service of high-tech products, or engaged in modern service industry and modern agricultural development.
(two) the loan object has a business plan and the loan project has a feasibility study report.
(3) The legal representatives of loan enterprises are university graduates (including graduate students) registered in Xi in recent years and those who have returned from studying abroad.
(four) the legal representative of the loan enterprise has the qualification certificate of entrepreneurship training recognized by the Municipal Entrepreneurship Office.
(5) The legal representative or actual controller of the loan enterprise has no violation of laws and regulations and no bad credit record.
The purpose, term, interest rate, repayment method and amount of the intransitive verb loan
(1) loan purpose: the venture loan is mainly used for the capital needs of enterprises to purchase productive fixed assets, working capital and other normal operations.
(II) Term of loan: The term of venture loan is generally not more than two years. Before the loan expires, the borrower shall file an application, which can be extended after being approved by the municipal commercial bank.
(III) Loan interest rate: The interest rate of venture loans is based on the benchmark interest rate of the same period and grade published by the People's Bank of China.
(4) Repayment of interest: In principle, the venture loan shall be repaid in one lump sum, and the interest shall be settled quarterly or monthly.
(V) Loan amount: The amount of business start-up loan is determined according to the actual capital demand of business start-up projects, and in principle it shall not exceed 500,000 yuan. Seven, loan application procedures
(a) after obtaining the entrepreneurship training certificate approved by the Municipal Entrepreneurship Office, the loan applicant shall submit an application for project technology and feasibility assessment to the Municipal Science and Technology Bureau with a business plan or a project feasibility study report.
(2) The loan applicant applies to Xi 'an Economic and Technological Investment Guarantee Co., Ltd. with the project evaluation opinion of the Municipal Science and Technology Bureau, and goes through the guarantee procedures.
(three) the loan applicant holds the loan guarantee opinion of Xi 'an Economic and Technological Investment Guarantee Co., Ltd. to apply for a loan at the branch of the city commercial bank.
(four) city commercial banks independently review and decide whether to issue loans according to the loan issuance procedures. In all aspects of the audit, where negative opinions are put forward, written opinions should be issued to the Municipal Entrepreneurship Office and the applicant himself.
Eight. Loan management
The daily supervision, management and audit of venture loans are jointly undertaken by the Municipal Commercial Bank and Xi 'an Economic and Technological Investment Guarantee Co., Ltd.. The two departments should improve the efficiency of financial services, strengthen the follow-up inspection of loans, and formulate practical risk prevention measures to effectively prevent loan risks.
Nine. Requirements for all parties
(1) The Municipal Science and Technology Bureau and Xi 'an Economic and Technological Investment Guarantee Co., Ltd. shall complete the relevant review within 30 working days and 15 working days respectively, and issue the review opinions.
(2) The borrower shall be liable for repayment, and if it fails to repay the loan on time, it shall bear corresponding legal liabilities.
(3) City commercial banks and Xi 'an Economic and Technological Investment Guarantee Co., Ltd. should strengthen loan management and follow-up inspection.
(four) due to dereliction of duty, the responsibility of the relevant personnel shall be investigated according to law.
(5) The municipal commercial bank shall submit the Xi 'an Loan Form for Supporting College Students' Self-employment to the Entrepreneurship Loan Coordination Office on a monthly basis, and send a copy to Xi 'an Economic and Technological Investment Guarantee Co., Ltd. ..
Ten, the guidance from the date of issuance.
Press release issued on 26 February 2008/KLOC-0.