Dongping County Business Guarantee Loan Policy Understanding Document

Dongping County Business Guarantee Loan Policy Understanding Document

Risk-guaranteed loan

It refers to the loan business that takes entrepreneurs or small and micro enterprises that meet the prescribed conditions as borrowers, and the financial department guarantees and discounts the business guarantee loans issued by financial institutions to eligible borrowers to support individual entrepreneurship or small and micro enterprises to expand employment.

0 1 personal business guarantee loan

Personal business guarantee loan refers to registered unemployed people in cities and towns, people with employment difficulties, demobilized veterans, released prisoners, college students, college graduates, employees and unemployed people in enterprises with excess capacity, migrant workers returning to their hometowns to start businesses, online merchants, poverty-stricken people who have set up files, rural self-employed, township institutions and qualified off-duty or on-the-job entrepreneurial professional and technical personnel, and young entrepreneurs from Hong Kong, Macao and Taiwan. According to the relevant requirements of the provincial party Committee and the provincial government, other qualified entrepreneurs returning home.

The maximum loan amount of an individual borrower shall not exceed 200,000 yuan. If an enterprise, a private non-enterprise unit or a farmer's professional cooperative is established, or all kinds of partnership enterprises and organizations jointly start a business, and the partners and members of the organization meet the requirements of borrowers, they may apply for a loan of no more than 600,000 yuan according to the maximum number of borrowers for each venture. The loan term shall not exceed 3 years at a time, and the cumulative times shall not exceed 3 times. The financial department will give full discount to qualified individual business guarantee loans.

In addition to student loans, poverty alleviation loans, housing loans, car loans, and small consumer loans of less than 50,000 yuan, when the applicant submits an application for a business guarantee loan, I and my spouse should have no other commercial loans. There will be no discount after the deadline. If an individual borrower is employed in other units or participates in social security after handling the business start-up guarantee loan, he shall return the business start-up guarantee loan without interest subsidy.

Personal loan application materials:

Applicants must hold ID card, household registration book, personnel category certificate and copy of business license as required.

02 small and micro enterprises venture guarantee loan

1. Small and micro enterprises shall comply with the provisions of the Statistical Classification Method for Large, Medium and Small Enterprises, the Management Method for Special Funds for Development in inclusive finance, the Notice of the Department of Human Resources and Social Security of Shandong Province, the Department of Finance and the Jinan Branch of the People's Bank of China on Printing and Distributing the Implementation Measures for Business Guarantee Loans in Shandong Province, and the Notice on Forwarding the Notice of Further Increasing the Interest Subsidy of Business Guarantee Loans to Fully Support the Entrepreneurship and Employment of Key Groups. In addition, the number of new recruits who met the application conditions for business start-up guarantee loans reached more than 15% of the existing employees of the enterprise, and signed labor contracts with them for more than 1 year.

2, small and micro enterprise borrowers should have the conditions:

1. It is in good operating condition, has repayment ability and has no bad credit record.

2. The enterprise, legal representative and major shareholders have good social reputation, no bad credit records, no illegal acts and no major litigation cases.

3. There are no serious illegal credit records such as unpaid wages and unpaid social insurance premiums.

The maximum loan amount of an enterprise borrower shall not exceed 3 million yuan, and the maximum loan period shall not exceed 2 years at a time. The loan interest rate of small and micro enterprises shall be agreed with the borrower by the handling bank according to the borrower's operating status and credit status. According to the signing date of the loan contract, 50% discount will be given to the preferential interest rate of the loan, and no discount will be enjoyed if it is postponed or overdue.

Small and micro enterprises shall provide the following materials when applying for qualification examination:

1. Dongping county small and micro enterprises secured loan application form

2. Copy of the ID card and business license of the legal representative.

3 enterprises to participate in the endowment insurance personnel roster

4. The category of qualified personnel shall be proved. Demobilized and demobilized veterans should provide "Demobilized Cadres Self-employed Certificate", "Demobilization Certificate" or "Demobilization Certificate"; A released prisoner shall provide a release certificate, a parole certificate or a notice of release from prison; College graduates should provide graduation certificates; And provide the poor with accurate identity cards issued by the poverty alleviation department.

5. The company's financial statements, etc.

Township people's agency issued the "Dongping County Venture Guarantee Loan Small and Micro Enterprise Qualification Recommendation Form" to eligible enterprises.

03 venture guarantee loan counter-guarantee method

1. natural person counter-guarantee:

Public institutions, state-owned enterprises and other personnel with guarantee ability recognized by the guarantee company provide joint and several liability guarantee;

2. Mortgage counter-guarantee:

Land use rights and property ownership that can be registered by mortgage according to regulations;

3. Pledge counter-guarantee:

Bank certificates of deposit, equity and creditor's rights owned by natural persons or enterprises;

4. Other counter-guarantee methods recognized by the guarantee company.

04 commercial guarantee loan approval procedures

1. The applicant/enterprise applies to the local employment department as required, and the individual fills in the Application Form for Business Guarantee Loan in Tai 'an City, and the enterprise fills in the Confirmation Form for Business Guarantee Loan for Small and Micro Enterprises;

2. Submit the basic loan materials to the guarantee company and the handling bank;

3. The guarantee company shall, in conjunction with the handling bank, review the applicant individual/enterprise, and handle the guarantee and counter-guarantee procedures in accordance with the regulations for those who meet the requirements, and the handling bank shall handle the loan approval procedures in accordance with the regulations;

4. The financial department shall discount the business guarantee loan according to the relevant provisions.