What is the application process of government venture loan discount?

1. What is the application process for government-run discount loans?

(1) Go to the local community labor security station to receive the application form, submit the business license, Re-employment Concession Certificate or Urban Unemployment Registration Certificate, and ID card to re-apply for business and conduct credit field investigation, and recommend it to the district labor (security) department. ③ The district labor (security) department shall review the materials within 2 working days and report to the municipal labor and social security department. (4) The municipal labor and social security department shall conduct an audit within 2 working days, and recommend it to the guarantee institution if it passes. Meet the requirements (5) After accepting the application, the guarantee company shall go through the counter-guarantee procedures with the individual and conduct internal audit with the bank within 5 working days. If approved, it will lend immediately.

Second, how to apply for self-employment can enjoy the national discount loan.

Submit an application to the local poverty alleviation office (the application should explain what project you are working on, how much money you have invested, how much money you have borrowed from the bank, and the amount you need to discount. A person can apply for a discount of up to 50,000 yuan. If there are many loans, find more applicants, and the discount is 5%, 2500 yuan per year). After the application is approved, fill in the discount form. After the leaders in charge of the discount in the poverty alleviation office sign and seal, they go to the bank (usually the credit union) where the loans are made to find the leaders to sign and seal.

All handwritten. I just got a discount.

Third, the government discount loan application process

I. Service matters

Small secured loans to promote employment

Second, the responsible unit

Re-employment Counseling Section of Labour Department

Third, authority.

Small secured loans to promote employment are divided into two levels of management. District-level labor and employment management institutions examine and approve the loan discount qualification for self-employment and self-employment, and the municipal labor and employment management office examines and approve the loan discount qualification for partnership enterprises and organized employment and labor-intensive small enterprises.

Fourth, the basis for doing things.

1, Notice of the General Office of the People's Government of Hunan Province on Forwarding the Trial Measures for the Registration and Management of Employment and Unemployment in Hunan Province by the Department of Labor and Social Security (No.34 [2009] of Hunan Provincial Government Office);

2. Notice on Implementing Operating Rules of Small Guaranteed Loans for Promoting Employment in Hunan Province (No.[2009] of Xianglao Social Worker105);

3. Notice on Improving the Financial Discount Policy for Small Guaranteed Loans to Promote Women's Entrepreneurship and Employment (Zhu Cai She [2009] No.26).

4. Notice on Forwarding the Ministry of Finance and the People's Bank of China on Strengthening the Management of Discounted Funds for Small Guaranteed Loans (Jin [2014] No.8).

Verb (short for verb) The object to be processed.

(a) within the legal working age, have a certain entrepreneurial ability and entrepreneurial desire, meet one of the following conditions, self-employed, self-employed, or partnership and organization of employment, and the self-raised funds are insufficient, under the premise that the loan guarantee institution promises to guarantee, you can apply for a small secured loan from a commercial bank:

1, holder of employment unemployment registration certificate;

2. Urban veterans;

3. University graduates;

4. Land-lost farmers and rural women entrepreneurs.

(II) Labor-intensive small enterprises that meet the loan conditions (except those that are discouraged by national industrial policies such as advertising industry, sauna and Internet cafes, the same below) may apply for small secured loans from commercial banks when the newly recruited personnel who meet the application conditions for small secured loans reach more than 30% of the total number of existing employees (100 enterprises reach 15%).

(3) The loan applicant must meet the following conditions:

L, registered by the industrial and commercial departments;

2. Having a fixed business place and a certain amount of self-owned funds;

3, engaged in business projects must comply with the relevant laws, regulations and policies of the state;

4, self financing is not less than 40% of the funds needed for the project;

5. No bad record and good credit;

6, in principle, should be through entrepreneurship training, obtain the "entrepreneurship training certificate".

(four) small labor-intensive enterprises applying for small secured loans must meet the following conditions:

L, registered by the industrial and commercial and tax authorities;

2. Having a fixed business place and a certain amount of self-owned funds;

3, engaged in business projects must comply with the relevant laws, regulations and policies of the state;

4. Have the ability to repay the loan;

5. Sign a labor contract 1 year or more with the newly hired personnel who meet the application conditions for small secured loans, and pay the basic old-age insurance premium, basic medical insurance premium, maternity insurance premium, work-related injury insurance premium and unemployment insurance premium for them.

(five) small secured loans can only be used for self-employed, self-employed or their partnership entities and labor-intensive small enterprises that meet the loan conditions.

The provision of intransitive verb materials

1, applicant's ID card;

2, "employment unemployment registration certificate" or military retired personnel certificate or "college graduation certificate" or land-lost certificate or certificate issued by the township (street) labor and social security service station;

3. A copy of the business license;

4, employment and re employment project plan and loan application, mainly to review the feasibility and investment benefit analysis of entrepreneurial projects;

5. Self-financing certificate;

6, street (township) office recommendation and recommendation certificate, including the applicant's credit certificate;

7. Other materials that need to be provided.

(two) the qualification examination of qualified labor-intensive small enterprises to apply for small secured loans. Employment service agencies shall, according to the application of enterprises, examine the qualifications of loan applicants and report them to the finance department at the same level for examination. The content of qualification examination is:

A copy of the length business license;

2. A copy of the tax registration certificate;

3. loan application;

4. Valid certificates of newly hired personnel who meet the application conditions for small secured loans in that year;

5, employee roster (corporate seal);

6. The labor contract signed by the enterprise and the new recruiter who meets the application conditions for small secured loans (copy);

7. Records of enterprises paying social insurance for employees (seal of social insurance agency):

8, enterprise wage payment voucher (payroll) (enterprise seal);

9. Other materials that need to be provided.

VII. Procedures and time limits

Information review

Individuals applying for small secured loans hold the Employment Unemployment Registration Certificate issued by the human resources and social security department or the Military Retired Personnel Certificate or College Student Graduation Certificate issued by the army or the Lost Land Certificate or Home Visit Certificate issued by the township (street) labor security service station, and apply to the community labor security service center or the township labor security service station where the household registration is located, and fill in the application form for promoting employment with small secured loans (in triplicate County (city) district human resources and social security departments identified, recommended to specialized small secured loan guarantee institutions.

Labor-intensive small enterprises applying for small secured loans shall fill in the Application Form for Small Secured Loans for Labor-intensive Small Enterprises (in triplicate) and apply to the municipal labor employment service agencies.

② Field investigation

1. Check the authenticity of various materials provided by the borrower and the counter-guarantor;

2. Understand the borrower's basic family situation and assets;

3. Understand the borrower's project operation, including annual income, expenditure and profit.

(3) Loan recommendation

According to the results of field investigation, make a decision on whether to agree to recommend the loan for the borrower's loan application.

(4) guarantee

Fengyuan Investment Guarantee Co., Ltd. undertakes to guarantee the qualified loans, and gives timely feedback to individuals and returns relevant materials to the loans that do not meet the counter-guarantee conditions.

The time limit for qualification examination and guarantee is ten working days respectively.

Eight, complaint handling

The Re-employment Guidance Section of the Municipal Labor and Employment Management Office is responsible for guiding the city's small secured loans to promote employment and checking the completion of the target tasks.

Complaint Tel: 2868 1564

The above is related to the Hunan government's application for secured loans.

If you have any other questions, please come for detailed consultation.

It's an honor to help you.

4. What is the application method of discount loan?

Discount loan application method: For individuals who meet the requirements of small secured loans, the general process of applying for loans includes four steps: voluntary application, review and recommendation, commitment to guarantee and loan issuance.

1, voluntary application. Eligible applicants submit a written application (part of which can be submitted directly to the local human resources and social security department or guarantee institution) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or relevant certificates.

2. Review and recommend. Human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations.

3. Promise. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures if they meet the requirements.

4. Issue loans. The loan applicant promised by the guarantee institution shall sign the contract and issue the loan after being examined and approved by the handling bank in accordance with relevant regulations. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.