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 microfinance guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or relevant certificates.
2. Review and recommend. Human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to microfinance guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a small loan 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 if they meet the requirements.
4. Issue loans. The loan applicant promised by the guarantee institution shall sign the contract and issue the loan after being examined and approved by the handling bank in accordance with relevant regulations. The handling bank refers to all kinds of financial institutions at all levels that sign cooperation agreements with microfinance guarantee institutions to carry out microfinance business.
Enterprises in China must meet the following basic conditions when applying for inter-governmental discount preferential loans:
1. The country where the project is located has signed an intergovernmental framework agreement on preferential loan interest discount with China. During the initial discussion of the project or the operation of the project, the enterprise shall promptly ask the Foreign Aid Department of the Ministry of Commerce of People's Republic of China (PRC) whether the operated project conforms to the use direction of preferential loans;
2. The political situation in the country where the project is located is relatively stable and the economic construction is good;
3. The project conforms to the relevant policies of the China government and the host country, and has been approved by the host country;
4. The borrower and guarantor have good credit standing, repayment ability and compensation ability; The selected investment projects are productive, with abundant local resources, broad product market and good economic benefits, which can promote the economic development of the host country;
5. The selected investment project belongs to the introduction of infrastructure or equipment, and the host government needs to have good reputation and solvency;
6. The project application implementation unit has strong economic and technical strength and international management ability;
7. The loan amount of the project is generally not less than USD 6,543.8+0,000, and the equipment, technology and services needed for the project should be purchased or imported from China to the maximum extent; The matching funds and equipment of the project have been implemented.
The application procedure is:
(1) For projects that meet the above conditions, enterprises may apply to the Foreign Aid Department of the Ministry of Commerce and submit relevant materials. After passing the preliminary examination, the Ministry of Commerce recommended it to The Export-Import Bank of China.
(2) The Export-Import Bank of China began to evaluate the feasibility of the project after receiving the official recommendation letter from the Ministry of Commerce, but the materials required by the enterprise include a formal loan application; Project feasibility report; Qualification certificate of the enterprise applying for loan (including enterprise profile, business license and articles of association, etc.). ); The audited financial statements of the enterprise in the last three years; Guarantor information and financial statements of the last three years; Commercial contracts with African partners (in case of joint venture projects, joint venture contracts and articles of association, credit information of other partners, etc.). ); A valid written document on the approval or support of the project by the relevant African governments; Other relevant documents required by The Export-Import Bank of China. After evaluation, The Export-Import Bank of China thinks the project is feasible, and will sign a loan agreement with the borrower and a guarantee contract with the guarantor.