(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 industrial and commercial and 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 go to the bank for internal audit within 5 working days. If approved, lend immediately.
Two, how to apply for self-employment in order to 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 how much discount you need. A person can apply for a maximum discount of 50,000 yuan. If there are more loans, find more applicants, with a discount of 5%, 2500 yuan a 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 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 shall examine and approve the loan discount qualification for self-employment and self-employment, and the municipal labor and employment management office shall examine and approve the loan discount qualification for partnership and holding employment and labor-intensive small enterprises.
Fourth, the basis for handling affairs.
1, Notice of the General Office of Hunan Provincial People's Government on Forwarding the Trial Measures for the Registration and Management of Employment and Unemployment in Hunan Province by the Labor and Social Security Department and other departments (No.34 [2009] of Hunan Provincial Government Office);
2. Notice on Implementing the Operating Rules of Small Guaranteed Loans for Promoting Employment in Hunan Province (No.KLOC-0/05 [2009] of Xianglao Social Worker);
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 organizations for employment, and their self-raised funds are insufficient. Under the premise that the loan guarantee institutions promise to guarantee, they can apply to commercial banks for small secured loans:
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, sauna and Internet cafes, the same below) may apply for small-sum secured loans from commercial banks when the newly recruited personnel who meet the application conditions for small-sum 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 recruited personnel who meet the application conditions for small-sum secured loans, and pay the basic old-age insurance, basic medical insurance, maternity insurance, industrial injury insurance and unemployment insurance premiums 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 retirees certificate or "college graduation certificate" or proof of lost land 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:
Copy of business license of length;
2. A copy of the tax registration certificate;
3. loan application;
4. Valid certificates of newly recruited 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
(a) review of information
Individuals applying for small-sum secured loans should apply to the community labor security service center or township labor security service station where they are registered, and fill in the Application Form for Promoting Employment with Small-sum Secured Loans (in triplicate) with the Employment Unemployment Registration Certificate issued by the human resources and social security department, the Military Retired Personnel Certificate issued by the army, the college diploma or the certificate of lost land issued by the township (street) labor security service station. 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 borrowers and counter-guarantors;
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 feeds back information to individuals in time and returns relevant materials to those who 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.
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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 written applications (some of which can be directly submitted to local human resources and social security departments or guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or related certificates.
2. Review and recommend. The 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 for those who meet the conditions.
4. Issue loans. The loan applicant promised by the guarantee institution shall, after being examined and approved by the handling bank in accordance with relevant regulations, sign a contract and issue loans. 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.