1, voluntary application. Eligible applicants, to the household or business location of the grass-roots employment platform (some can be directly to the local human resources and social security departments or microcredit guarantee institutions) to submit a written application, and submit relevant information, documents or relevant certificates.
2. Examination and recommendation. The human resources and social security departments to carry out qualification examination, the examination of qualified recommended to the microcredit guarantee institutions. Guarantee institutions are those entrusted with the operation of the microcredit guarantee fund in accordance with the relevant provisions.
3. Commitment guarantee. Guarantee institutions in accordance with the relevant provisions of the project review of the applicant, qualified for the commitment guarantee procedures.
4. Loan issuance. Guarantee institutions committed to guarantee the borrower applicant, the bank in accordance with the relevant provisions of the approval after the signing of the contract, the issuance of loans. The bank refers to all kinds of financial institutions at all levels that have signed a cooperation agreement with the microcredit guarantee institution to carry out the business of micro-guaranteed loans.