Small Guaranteed Loans for Promoting Employment
II. Responsible Units
Re-employment Guidance Section, Employment Department
III. Authority
Small Guaranteed Loans for Promoting Employment is divided into two levels of management, the District Labor and Employment Management Agency for the approval of the loan interest subsidy eligibility for independent entrepreneurship and the Department of Self-employment, and the Municipal Labor and Employment Management Office of the partnership and organization of employment and labor-intensive small business loan subsidy qualification approval.
Four, based on
1, "General Office of the Hunan Provincial People's Government on the forwarding of the Department of Labor and Security and other departments of Hunan Provincial Employment and Unemployment Registration Management Pilot Measures and other nine documents of the Notice" (Xiangzhengbanfa [2009] No. 34);
2, "on the implementation of the implementation of the relevant operating rules of the Hunan Provincial Employment Promotion Micro-guaranteed Loans" (Xianglao social workers word [2009] No. 105);
3, "on the implementation of Hunan Province to promote employment of small-scale guaranteed loans" (Xianglao social worker word [2009] No. 105);
3. Notice on Improving the Policy of Financial Interest Subsidy for Small Guaranteed Loans to Promote Women's Entrepreneurship and Employment (Zhu CaiShe [2009] No. 26).
4. "Notice on Transmitting the Notice of the Ministry of Finance, Ministry of Human Resources and Social Security, and the People's Bank of China on Strengthening the Management of Interest-Subsidizing Funds for Small-Scale Guaranteed Loans" (Xiangcaijin [2014] No. 8).
V. Objects
(1) Within the legal working age, with certain entrepreneurial ability and entrepreneurial aspirations, meeting one of the following conditions, self-employment, self-employment, or partnership and organization of employment, the part of their self-funding is insufficient, on the premise of the loan guarantee institution commitment to guarantee, you can apply for a small guaranteed loan from commercial banks:
1, holders of the Employment and Unemployment Registration Certificate;
2, urban military retirees;
3, college and university graduates;
4, landless peasants and rural women starting their own businesses.
(2) Labor-intensive small enterprises eligible for loans (except for advertising, sauna, massage, Internet cafes and other enterprises not encouraged by the national industrial policy, hereinafter the same) can apply to commercial banks for small guaranteed loans if they have recruited more than 30% of the total number of employees (15% for enterprises with more than 100 employees) in the year who are eligible to apply for small guaranteed loans. loan.
(3) The applicant for the loan must have the following conditions:
l, registered by the industrial and commercial departments;
2, have a fixed business site and a certain amount of its own capital;
3, engaged in the business project must be in line with the relevant state laws, regulations and policies;
4, self-funding of not less than 40% of the funds required for the project;
5, the project must have a capital of not less than 40%;
6, the project must have a capital of not less than 50%.
5, no bad record, good credit;
6, in principle, should pass the entrepreneurial training, and obtain the Certificate of Competence in Entrepreneurial Training.
(4) Labor-intensive small enterprises applying for micro-guaranteed loans must meet the following conditions:
l, registered by the industry and commerce and taxation departments;
2, have a fixed business site and a certain amount of their own capital;
3, engaged in business projects must be in line with the relevant state laws, regulations and policy provisions;
4, Have the ability to repay the loan;
5. Sign a labor contract of more than one year's duration with the personnel newly recruited in the year who are eligible to apply for micro-guaranteed loans, and pay the basic pension insurance, basic medical insurance, maternity insurance, work-related injury insurance and unemployment insurance premiums for them.
(v) The micro-guaranteed loans can only be used for self-employment, self-employment of persons eligible for the loans, or for the start-up funds and working capital of their partnership entities and labor-intensive small enterprises.
Six, provide materials
1, the applicant's identity card;
2, "employment and unemployment registration card" or military retiree documents or "higher education students' graduation certificates" or proof of loss of land or by the township (street) labor security service station issued by the return of entrepreneurship certificate;
3, a copy of the business license;
4, employment re-employment Project plan and loan application, mainly reviewing the feasibility of the business project and investment benefit analysis;
5, proof of self-financing;
6, street (township) office recommendation and recommendation certificate, including proof of the applicant's creditworthiness;
7, other materials that need to be provided.
(2) Qualification examination of eligible labor-intensive small enterprises applying for micro-guaranteed loans. The employment service organization, based on the application of the enterprise, conducts qualification examination of the loan applicant and reports it to the finance department at the same level for review. The contents of the qualification examination are:
l, a copy of business license;
2, a copy of tax registration certificate;
3, loan application form;
4, valid documents of newly recruited personnel eligible for micro-guaranteed loan application in the current year;
5, roster of employees (stamped by the enterprise);
6, signing agreement between the enterprise and the newly recruited Labor contract signed between the enterprise and the newly recruited personnel who meet the conditions for application for micro-guaranteed loans (copy);
7. Record of the enterprise's payment of social insurance for the employees (stamped by the social insurance agency):
8. Proof of payment of wages by the enterprise (payroll sheet) (stamped by the enterprise);
9. Other materials required to be provided.
VII. Procedures and Time Limits
(I) Review of Information
Any individual applying for a small secured loan, holding an Employment and Unemployment Registration Certificate issued by the Human Resources and Social Security Department, or an army veteran's document issued by the army, or a Certificate of Graduation of Students from Higher Education Institutions, or a certificate of dislocation, or a certificate of returning to the hometown to start a new business issued by a township (street) labor security service station. The applicant shall apply to the community labor security service center or township labor security service station where his/her household registration is located and fill in the "Application and Approval Form for Small Guaranteed Loan for Promoting Employment" (three copies), and then undergo the preliminary examination by the street (township) labor security service station. The county (city) district human resources and social security department will recommend the application to the specialized micro-guarantee loan guarantee institution after the recognition.
Any labor-intensive small enterprise applying for a micro-guaranteed loan should fill in the Application and Approval Form for Micro-Guaranteed Loan for Labor-Intensive Small Enterprises (three copies) and apply to the municipal labor and employment service agency.
(2) Field Investigation
1. Check the authenticity of various information provided by the borrower and the counter-guarantor;
2. Understand the borrower's basic family situation and assets;
3. Understand the operation of the borrower's project, including the annual income, expenditure and profit.
(3) Loan Recommendation
Based on the results of the field investigation, make a decision on whether or not to agree to recommend the loan to the borrower's loan application.
(IV) Guarantee
Eligible loans will be guaranteed by the Feng Yuan Investment Guarantee Company, and timely feedback will be given to the individual and relevant information will be returned to him/her if he/she does not meet the conditions of the counter-guarantee.
The processing time limit for qualification and guarantee is ten working days respectively.
VIII. Complaint Handling
The Re-employment Guidance Section of the Municipal Labor and Employment Management Office is responsible for guiding the city's work of promoting employment in small-scale secured loans, and checking the completion of target tasks.
Complaints phone: 28681564
The above is related to the Hunan government guaranteed loan application.
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