Labor, banking sector to explain the small loans: 113 micro-profit projects can be subsidized
Northeast October 25, Harbin City, recently, the Harbin Municipal Bureau of Labor and Social Security and the People's Bank of China Harbin Central Sub-branch, the Harbin Municipal Bureau of Finance issued a joint "Harbin City, the management of small guaranteed loans," on the laid-off unemployed to apply for micro-credit for independent entrepreneurship conditions for a more Substantial relaxation. Over the past few days, many people have called the hotline to consult the issuance of small loans and handling matters. 20, Harbin City Employment Management Bureau of the Employment Department of Wang Zhaoyi and Ding Xin, deputy director of the section, as well as specializing in the issuance of micro-credit loans Harbin City Commercial Bank Lida branch creditors, Li Ji, the public concern about the small loans to answer the question in detail.
The object of the loan
1394604xxxx: I would like to apply for a small loan to engage in self-employment, may I ask which people and enterprises can enjoy the policy of small guaranteed loans?
Answer: The objects of small guaranteed loans are holders of "Re-employment Preferential Certificate", holders of "Harbin Employment (Loss of) Employment Registration Certificate" of urban unemployed, urban demobilized and retired veterans, voluntarily go to the grass-roots level of entrepreneurship below the county level of the regular graduates of higher education in the self-financing self-employment is insufficient (hereinafter referred to as the people who are eligible for loans), as well as people who are eligible to loans, organization, employment, partnership to run businesses, and so on. Up employment, partnership business and absorb the Re-employment Preferential Certificate holders or urban demobilized veterans employment up to a prescribed proportion of labor-intensive small enterprises, can apply for small secured loans.
Conditions
1331362xxxx: What are the conditions for an individual to apply for a small guaranteed loan?
Answer: apply for small secured loans need to have the following conditions: individuals within 60 years of age, good health, honesty and credit, with certain labor skills; with Harbin City, the household registration and permanent residence in the place of domicile; the location of the business project in the city of Harbin; self-employment, independent entrepreneurship, the insufficient part of its self-funding; engaged in services, trade, small-scale processing, and other business projects, there should be Relatively fixed business premises, sites, equipment, facilities and other conditions, and can ensure the basic operation of their projects; self-employment or self-employment projects (except for state-restricted construction, entertainment, advertising, sauna, massage, Internet cafes, oxygen bars and other industries).
1393664xxxx: What are the conditions for applying for small secured loans for partnership and organized employment?
Answer: partnership and organized employment, should be more than two people eligible for loans by voluntary negotiation, in the form of partnership to start a small business or organization, and approved by the administration for industry and commerce registration, with a legally valid "partnership business license" and partnership agreement, notary public notarization certificate issued by the labor department of the partnership identification certificate, there is a clear business Managing partner; for other people who organize and place more than 70% of the people eligible for loans, they can be regarded as enterprises in which the people eligible for loans are organized for employment.
1335951xxxx: labor-intensive small enterprises to apply for micro-guaranteed loans need what conditions?
A: Labor-intensive small enterprises to apply for micro-guaranteed loans, the requirements of the new jobs in the new increase in the year, the new recruitment of holders of the "Re-employment Preferential Certificate" or urban demobilized and retired military veterans to reach the total number of on-the-job employees of more than 30%, and with which the signing of a labor contract of a term of more than 1 year.
Procedures
1379680xxxx: I am a self-employed person and meet the conditions for applying for a small guaranteed loan, what materials are required for applying for a small guaranteed loan and how to handle it?
A: individual operators apply for small secured loans, you need to hold a written application (including my situation, the amount of the loan applied for, loan repayment period, etc.), resident identity card, household register, business projects in the local community labor security station issued by the proof of the business license, I (business), as well as the relevant proof of identity. Among them, the laid-off unemployed with "re-employment preferential certificate" or "employment (unemployment) registration certificate", demobilized soldiers with "retired soldiers self-employment certificate", regular college and university graduates with graduation certificates and "employment (unemployment) registration certificate".
In addition, the need for proof of counter-guarantor, should be issued by the counter-guarantor's household registration, identity card and salary certificate issued by the unit (stamped with the seal of the unit's human resources and labor department and the original signed opinion); entrepreneurial training and recommended by the expert group eligible for exemption from the counter-guarantee, the applicant for borrowing is also required to provide entrepreneurial training certificates, the entrepreneurial projects engaged in the qualification certificate, as well as expert group identification documents.
When applying for a micro-secured loan, the applicant applies to the labor security station in the community where the business project is located with the relevant documents, fills in the "Application for Micro-secured Loan", and waits for the community labor security workstation and the local district labor security department to conduct the first and second examination and make recommendations; then the applicant applies for a loan guarantee to the Hacienda Micro-security Loan Guarantee Center. The Hacienda Small Loan Guarantee Center will determine the qualification of the counter-guarantor provided by the borrower, and after investigating and verifying the relevant information as well as the business project, it will transfer the relevant information agreed upon by the applicant to the bank that handles the loan for final examination. If the business project is a micro-profit project, the loan application must be submitted to the Labor Security Department of Hacienda for review and confirmation before the applicant can apply for the subsidized loan at the bank that handles the loan. Finally, the loan processing bank of the borrower's business projects for further review, agree to the loan project, sign the consent opinion, the issuance of loans; do not agree to lend the project to the borrower applicant to explain the reasons, put forward suggestions for improvement, and at the same time, the issuance of loans back to the Hacienda Microfinance Guarantee Center.
Conditions of the counter-guarantor
1394602xxxx: I want to apply for a small loan personally, do I need collateral? Is it possible to choose a counter-guarantor without collateral? What kind of person can act as a counter-guarantor?
Answer: The individual applying for a small guaranteed loan should have no less than the amount of the loan and according to the law can be pledged bonds, certificates of deposit or no less than the amount of the loan and according to the law can be mortgaged houses and so on to do collateral (offsetting, pledge registration fees at their own expense).
If you do not have the above conditions, you can choose a counter-guarantor.
An employee or retired (pensioned) civil servant of a state administrative agency who is not more than 65 years old; an employee of a public institution who is not more than 60 years old for men and 55 years old for women, and who does not have a loan; an employee of a state administrative agency who is in the workforce, who is not more than 60 years old and who does not have a loan; an enterprise or a company with good benefits or who is able to produce normally and continue to operate, as confirmed by the Hacienda Microfinance Center. The employees of the enterprises that have been recognized by the Microfinance Guarantee Center as capable of normal production and better efficiency, or that have been awarded the title of contract-abiding and credit-abiding enterprises (the employees should have signed labor contracts with the enterprises for more than three years), and who are under 55 years of age for men or under 50 years of age for women, and who do not have any loans, are eligible to act as the counter-guarantors.
Scope of Credit Communities
8462xxxx: What kind of people are recommended by credit communities as eligible for loans and what are the credit communities?
Answer: At present, there are 90 communities in Ha*** established as pilot credit communities for small secured loans for laid-off unemployed people. Anyone who meets the micro-secured loan policy, household accounts in the credit community, business projects in the jurisdiction of the street office, in the community under the recommendation of small loans are not required to counter-guarantee.
1331365xxxx: What business projects are considered micro-profit projects that can receive interest rate subsidies for engaging in micro-profit project loans?
A: Micro-profit projects are business projects such as planting and breeding, processing and manufacturing, commercial circulation, transportation, food service, etc., ***113 by people who meet the loan conditions in the community, street, industrial and mining areas.
Links
Credit Communities
Dowai District: Binjiang Street Office of the protection of the community, Daxing Street Office of the seamen's community, Donglai Street Office of the educator's community, Renli Street Office of the Huifangli community, Chongjian Street Office of the Royal Garden community, Nanping Street Office of the Nanma Street Office of the Nanping community, Dongyuan Street Office of the Yanjiang community, Shengli Street Office of the Sanma community, Taikou Street Office of the Sanma community, Shengli Street Office of the Shengli community. Office, the Mosque Community of Taikoo Street Office, the Northeast New Community of Zhenjiang Street Office, the Dongtie Community of Locomotive Street Office, the Heping Community of Nanzhi Street Office, the Songdian Community of Dayou Street Office, the Swan Community of Cement Street Office, the Cultural Community of Minqiang Street Office, the Taida Community of Taiping Street Office, and the Longjiang Community of Xinyi Street Office. .
Reference: