How to get a start-up loan
[15:54:30] Shan Chang said that the guarantor's breach of contract was resolved by the guarantee center. The final legal procedure is like this. If someone or an enterprise does not pay back the money, it is the lender first. If the lender can't repay the loan, he will come back to our guarantee institution instead of the counter-guarantee. Our guarantee institutions will look for enterprises or individuals who provide counter-guarantees.
[15:54:44] User: How many loans can a company get with an annual income of more than 2 million?
[15:54:58] Shan Chang said: Our small loan is not about the annual income of enterprises. The procedure we determine is whether you are laid off or unemployed, whether you have a re-employment concession card, and whether your project is a partnership or a single project.
[15:55: 14] User: What is the maximum amount of venture loan? Is there a ceiling?
[15:55:48] Shan Chang said: Our policy stipulates that individuals can borrow up to 20,000 yuan. Theoretically, if you collect a lot of money, you can borrow a lot of money.
[15:56:02] User: Do you need a guarantor if you have a house mortgage?
[15:56: 12] The mountain chief said: No need.
[15:56:26] User: Don't you need other mortgages to start a business with a re-employment concession card?
[15:56:40] Shan Chang said: No, the re-employment concession card is a prerequisite, and you can apply for a small loan. You still need to provide counter-guarantee to apply for small loans. Counter-guarantee is the three forms I just mentioned, one is the regime of valuable assets, the other is the guarantee of natural person, and the other is the guarantee of enterprise legal person.
[15:56:53] User: How does the government confirm that the lender is used for starting a business instead of personal consumption?
[15:57:07] Shan Chang said that the use of this fund is supervised by the guarantee center and the bank.
[15:57: 19] User: Does your guarantee center have certain measures for supervision?
[15:58:04] Shan Chang said: Yes, if it costs 20,000 yuan, there are no special measures. If the loan amount is relatively large, we should examine them. After the loan is given to him, the bank requires him to provide financial statements every month, and the third bank and guarantee center should regularly visit his enterprise to inspect his operation.
[15:58:48] User: So the guarantee center is still cautious in issuing loans?
[15:59:00] Shan Chang said: We are cautious about large amounts, but we are a little loose about small amounts, but judging from our current operation, as long as 98% people come to us to declare small amounts can borrow them.
[15:59: 10] User: What is the specific difference between a partnership project and a single project?
[15:59:20] Shan Chang said: A single loan means that I am laid off and unemployed.
[15:59:38] User: No, I'm talking about partnership projects and individual projects. Some projects are operated by one person, and some are operated by two people?
[15:59:55] Shan Chang said: In terms of industry and commerce, the single thing is that I am laid-off and unemployed, have a re-employment concession card, set up my own entity and use my own name to borrow money. In our small loan, we learned that his personal loan was a single one.
[16:00:06] Shan Chang said: Partnership means that there are more than two people with re-employment concession cards, who cooperate with each other or make loans together. This kind of loan is called "partnership loan"
[16:00: 18] User: Is there any geographical restriction on venture loans? Are there only a few places where you can get a loan?
[16:00:36] Shan Chang said: No, the microfinance policy initiated by the whole country is found all over the country, and the economic strength of each place is different. Its width is different, and the loan amount is different. What I just told you is the unified requirements made under the unified regulations of the central government. For example, in other provinces such as Shaanxi, his micro-loan was relaxed to 50,000 yuan per person.
Netizen: I have a friend from a bank who said that the procedures for small secured loans are troublesome and the credit of the reception is difficult to grasp. Commercial banks are not enthusiastic. Is that so?
[16:0 1:26] Shan Chang said: The problem encountered in the implementation of microfinance in various parts of the country is because it is a policy promulgated by the state, and banks are enterprises, and this enterprise has to survive. It doesn't make much profit in handling small loans, so banks don't have much enthusiasm in small loans, so their enthusiasm will not be very positive or high.
[16: 02:11] Shan Chang said: However, in order to promote local employment and change local employment forms, local governments have made corresponding efforts and measures in many aspects, and microfinance has undergone fundamental changes nationwide in the past six months.
[16:02:22] User: Where and what kind of people are the venture loans aimed at?
[16:02:49] Shan Chang said: Because the venture loan we are talking about is actually a small secured loan for laid-off workers, the core content of the small secured loan in the central document is to encourage laid-off workers to start their own businesses, so we will provide them with small loans.
[16:03:02] User: Can you tell us how much money your guarantee center has paid so far?
[16:03:45] Shan Chang said: My guarantee center is a county-level guarantee center. Up to now, we have lent 265,438+ten thousand yuan in the center, benefiting 125 people, involving 6/kloc-0 enterprises.
[16:04:02] User: Why does the government prepare such loans for everyone?
[16:04:29] Shan Chang said: This is a document requirement of the National Re-employment Work Conference held by the Central Committee and the State Council on June 5438+00, 2002, and it is a policy document requirement on "micro-loans" jointly issued by the Ministry of Finance, the People's Bank of China and the Ministry of Labor and Social Security, which will be implemented nationwide.
[16:04:46] Netizen: According to your feeling, is the success rate of people who get micro-loans high?
[16:05:03] Shan Chang said: Judging from the loans we have mastered and issued, the success rate is over 90%.
[16:05:59] User: Can real estate mortgage be used as the down payment for investment?
[16:06:07] The mountain chief said: No.
[16:06:23] User: Now some information consulting companies are also issuing small loans. What's the difference between them and your current venture loan center?
[16:06:52] Shan Chang said: Those intermediaries take advantage of our policy and they carry out some activities. Our guarantee center is an organization set up by the government to provide small loan guarantee, which is responsible for the capital, loan, supervision or the whole work of small loans.
[16:07: 10] User: Do I have to have a good project to get a loan?
[16:07:26] Shan Chang said: From the current practical measures, we believe that as long as the lender thinks there is a prospect and our investigation is true, we will give loans in principle.
[16:07:4 1] User: I was employed in a non-state-owned enterprise, and the company closed down, so I lost my job. Can I apply for a re-employment concession card?
[16:07:53] Shan Chang said: It is theoretically possible for him to say so, and he needs to consult the local labor department.
[16:08:38] User: If the repayment period is two years, will it be repaid in installments or in one lump sum within two years?
[16:08:55] Shan Chang said: There are two kinds, installment repayment and lump-sum repayment.
[16:09: 14] User: I originally wanted to start a business. I wanted to start a business with a loan, but I gave up after the project was done. Later, I found a job. Must I pay it back immediately?
[16:09:47] Shan Chang said: You are fine now, you will be fine in two years. But if you pay it back in two years, you have to pay interest.
[16: 10:04] User: I am a college graduate. The loan will be paid off within two years. What should I do if it is not clear within the specified date?
[16: 10:2 1] Shan Chang said: If it is still unclear, it can be extended for one year.
Netizen: Is it still unclear after one year?
[16: 10:45] Shan Chang said that it should be handled in accordance with the loan contract signed by us and the relevant provisions of the guarantee provided by us.
[16: 10:55] User: I have an industry now, but I lack working capital. Don't know how to get a loan.
[16:11:25] Shan Chang said: If he wants to get small loan funds and he is unemployed, I suggest that he go to the local labor department to see if he can get a re-employment concession card. He can borrow money in his own name if he can.
[16:11:35] Shan Chang said: If I can't get a re-employment concession card, I can get a loan by hiring someone with a re-employment concession card. According to his own scale, he recruited people with a re-employment concession card.
[16:11:50] Netizen: I got a small loan, but I still lack entrepreneurial experience, so it is inevitable that mountains and rivers will choke on water. What should I do?
[16: 12: 12] Shan Chang said: According to the microfinance policy, we must fulfill our responsibilities. The losses caused by your poor management and weak business ability are certainly without special constraints and requirements. What will happen if you leave it alone?
[16: 12:26] Shan Chang said: We still have to pay back our money when it is due.
[16: 12:39] User: Does the repayment period have to be two years? How about a year?
[16: 12:57] shan Chang said: the state stipulates that there are two sides, and three months a year can be used.
[16:13:17] User: Can young people outside school get loans?
[16: 13:32] Shan Chang said: Young people who are out of school can start businesses, but it is more difficult to apply.
[16:13: 41] User: I just graduated. How to continue studying?
[16: 13:54] Shan Chang said: In order to contact universities, ICBC and schools have a special loan policy to help students.
[16:14:15] User: There are products and customers, but no production funds. What did you say?/Sorry?
[16: 14:25] Shan Chang said: Then actively raise funds. There are many financing channels, and our micro-loan is one of them.
[16: 14:38] User: Isn't it the responsibility of the government to inspect the project to obtain loans?
[16: 14:52] Shan Chang said: If it is a small loan, it is not the government, but the guarantee center, the bank and the labor department to inspect your project. The purpose of the inspection is to see the authenticity of your project.
[16: 15:04] User: Are you investigating the project prospect or something else?
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[16: 15:26] User: Can I borrow money through other channels?
[16: 15:38] Shan Chang said: Other ways are definitely possible.
Netizen: introduce it?
[16: 16:45] Shan Chang said: There are various other channels of loans. One is an authentic commercial loan, and your project is better. Your development prospects and market can be introduced to commercial banks.
[16: 16:59] Netizen: Are there any special preferential policies for female loans, that is, female loans?
[16: 17:07] Shan Chang said: No, men and women are equal.
[16:17:16] User: Is the approval procedure strict?
[16: 17:28] Shan Chang said: Strictly speaking, we are not very strict about what we need to do in the capital link, because we are a project supported by the government and cannot be too strict.
[16: 17:38] User: In your guarantee center, I offered a loan and waited until I got the money. How long does it usually take?
[16: 17:48] Shan Chang said: Two weeks is normal time, and one week is fast.
[16: 18:00] User: Do I have to pay income tax on this loan?
[16: 18: 13] Shan Chang said: All the real estate formalities here are not free without paying a penny, including real estate mortgage.
[16: 18:26] User: mortgage with real estate, loan100000. If you don't pay, will you take the house away?
[16: 18:38] Shan Chang said: It depends on the actual situation. According to the loan contract signed at present, it is certain that if you don't pay back the money, you will use your property to settle the account according to the requirements of the contract.
[16:18: 51] User: Can you elaborate on what kinds of loans are available?
[16: 19:07] Shan Chang said: Yes, I want to tell you three kinds. One is commercial loans, which have their own procedures, and the other is micro-loans I just told you about. The general situation is basically clear above.
[16:19: 21] Shan Chang said: The third type is government-supported loans, which are guaranteed loans for small and medium-sized enterprises. Local governments at or above the county level have SME guarantee institutions, which are provided by the government.
[16: 19:30] Shan Chang said: The amount of policy loans for SMEs is relatively large. Generally, when a bank meets this SME guarantee institution, it will come faster than commercial loans, and its support will be much greater. These are three forms of loans.
[16:19: 41] User: What kind of requirements do formal loan departments generally have for lenders?
[16: 19:54] Shan Chang said: Our loan requirements are nothing special. There are three main points. First, your business is real. Second, your project has a good development prospect. Third, you are an honest and enterprising person.
[16:20: 12] User: Does the guarantee center have to have a re-employment certificate to get a loan?
[16:20:27] Shan Chang said: The prerequisite of our microfinance guarantee center is that people must have a re-employment concession card.
[16:20:4 1] User: Are there guarantee centers everywhere? It seems that we don't have it locally. Where can we go if there is no guarantee?
[16:20:56] Shan Chang said: Small loan guarantee centers are generally found all over the country, and there are definitely some, but some areas are called small loan guarantee centers like ours, and some are not. Guaranteed by a company with guarantee ability entrusted by the local government.
Netizen: Besides obtaining small secured loans at preferential interest rates, are there any other preferential policies for laid-off workers?
[16:2 1:20] Shan Chang said: There are also preferential policies in taxation and in industry and commerce.
[16:2 1:36] The moderator said: What if the lender suddenly dies during the loan period?
[16:2 1:54] Shan Chang said: We haven't encountered this situation yet. The second problem is that we haven't noticed the sudden death clause in our loan.
[ 16:22: 12]
[16:22:34] Shan Chang said: According to his situation, he still needs funds, but he can't transfer them. If he wants to raise funds through my channel, as we said earlier, either you have a person with a re-employment concession card, or you can find someone with a re-employment concession card to cooperate, lend money and cooperate together.
[16:22:50] User: Learn more from Brother Shan when you have time. I wonder if I can talk in private?
[16:23:09] Shan Chang said: Welcome, leave me a message in Alibaba community.
[16:23:55] User: Is it ok to start a business with personal loans? Can you repeat the specific procedure?
[16:24:53] Shan Chang said: The procedure of personal loan is in accordance with our micro-loan policy, that is, he has to apply to the local labor department with the tax payment certificate, re-employment concession card and ID card of his company or his store, and then wait for the notice.
[16:25:0 1] Shan Chang said: His application will be examined by the local labor department and the local guarantee center, and then the bank, the guarantee center and the labor department will inform him to visit his business premises and finally inform him when he can get the loan.
[16:25: 19] User: Brother Shan Chang, your company doesn't have any loans except those with re-employment concession cards?
[16:25:35] Shan Chang said: We are specialized, and our full name is "Small Loan Guarantee Center".
[16:25:49] User: Which government department is responsible for the guarantee center?
[16:26:06] Shan Chang said: The government's labor and social security departments are responsible, some guarantee centers are not in the labor department, and some local governments have no guarantee centers, so they entrust companies with guarantee ability to do it, depending on who is in charge of the guarantee company.
[16:26:34] Netizen: Now the problem of difficult loans is everywhere, especially for small and medium-sized enterprises, which has a long road and many risks. Private financing is risky, and it is best to have a way to lend.
[16:26:59] Shan Chang said: This is the financial problem of our country. I don't know much about our place and our business form.
[16:27: 19] User: You don't have a re-employment concession card, so you can find cooperation with a re-employment concession card?
[16:27:36] The mountain chief said: Yes. This specific situation is analyzed in detail.
[16:28: 13] User: I want to know the relationship between microfinance and social security subsidies and assistance.
[16:29:25] Shan Chang said: I am mainly responsible for the guarantee of special small loans, and I have a set of plans for rescue and social security. In 2003, the state also issued a policy in this regard. If there is assistance,
[16:29:4 1] Shan Chang said: In fact, there are eight preferential policies. The key to the eight preferential policies are three aspects: first, employment support, second, small loans, third, tax relief, and fourth, social insurance, which means that the development of public welfare jobs can enjoy social insurance subsidies. [16:30:43] Netizen: If the business fails and the loan is not paid, can there be some relief?
[16:30:57] Shan Chang said: Our country has eight policies to support and promote employment. Laid-off workers who start businesses have preferential policies of exemption from income tax and business tax. If they don't repay the loans, they won't get preferential treatment, but once they start businesses, they can enjoy preferential treatment.
[16: 31:12] User: You just said that you need the tax certificate in the store to apply for a small loan. How to rent a store without funds?
[16: 31:31] Shan Chang said: There is also a prerequisite for microfinance, that is, you have to invest 30% of your own funds, and all procedures for laid-off workers to apply for industrial and commercial business licenses are free.
Netizen: Can artworks be mortgaged?
[16:3 1:58] Shan Chang said: According to our current policy, works of art cannot be mortgaged.
[16: 32:11] User: Is it difficult to identify artworks?
[16:32:22] Shan Chang said: It's hard to estimate.
[16:32:36] User: I started a small business. The factory building is rented, and the equipment is only worth hundreds of thousands. Can I get a loan?
[16:32:5 1] Shan Chang said: Yes, there must be preconditions.
[16:33:0 1] User: How much can I borrow?
[16:33: 10] The mountain chief said: 21,000.
[16:33:34] User: What's the purpose of the government to establish small loans?
[16:33:48] Shan Chang said: In 2002, the Central Committee held a national employment work conference. So far, there are still 5 million laid-off workers in China. In order to promote the reform of our enterprise, our national policy has been continued. Due to the restructuring of enterprises, small loans can be provided to the main and auxiliary enterprises and the restructured enterprises.
[16:35:46] User: Loan business starts from licensing to reducing water and losing weight. There will be procedures such as issuing permits and reducing taxes and fees. Is there any organization that can provide us with one-stop service?
[16:35:58] Shan Chang said: Go to the local labor and social security department, where there is a one-stop service window. Just go there.
[16:36:09] User: Can retirees apply for small loans?
[16:36: 19] Shan Chang said: No, the rule is that people under 60 have the ability to start their own businesses.
[16:36:48] User: Besides lending money to lenders, will the guarantee center promote some projects?
[16:37:33] Shan Chang said: The guarantee center does not undertake recommended projects, and the local labor department has a department specifically responsible for entrepreneurial projects, and the situation varies from place to place. Our Guiyang Labor and Social Security Bureau has many projects, which can be used as a reference for laid-off workers and those with re-employment concession cards.
[16:38:07] Netizen: For re-employment entrepreneurs with a certain scale, 20,000 yuan seems to be a drop in the bucket and can't solve the problem. We have two requirements, one is to simplify the formalities, and the other is to increase the loan amount. Are these possible?
[16:38:40] Shan Chang said: The two problems he mentioned are the problems that appeared or existed in microfinance in various parts of the country some time ago. In many aspects, such as improving the disadvantages of microfinance in various places, minimizing intermediate links and simplifying application procedures,
[16: 39:11] Shan Chang said: There is also the flow of funds. Things are different in different places. We haven't relaxed here. We still only borrow 20,000 yuan per person according to the central regulations. In order to make up for the lack of funds, we have implemented a portfolio loan. Portfolio loan means that you feel that one person has too few loans and can make joint loans.
Netizen: Where do county enterprise loan personnel go for loans?
[16:40: 16] Shan Chang said: Go to the local labor department.
[16:40:32] User: For example, I borrowed 20,000 yuan for business. Can I borrow another 20 thousand after I pay off?
[16:40:45] Shan Chang said: According to our current policy, each laid-off and unemployed person can only enjoy the preferential policy of microfinance once.
[16:4 1:23] User: If I can't provide qualified guarantee, is it possible for me to get a small loan?
[16: 41:41] The mountain chief said: That's impossible. Microfinance also has its own procedures.
[16:4 1:59] User: Is there no project limit for the loan?
[16:42: 10] Shan Chang said: No, but projects that violate national laws are not allowed.
[16:42:27] Netizen: I have difficulties in life after being laid off. Now people and I are a little confused about starting a business. What do you think is the solution?
[16:43: 12] Shan Chang said: Go to the relevant entrepreneurship websites, as well as the local labor department, or the entrepreneurship guidance section to have a look, listen to their opinions, communicate more, and see if the local labor department has any projects that meet their own personality and preferences. Learn more about good projects in entrepreneurship on the website, if there is a re-employment discount card.
[16:43:26] User: Is there a time limit for the re-employment concession card? Is it impossible to get a loan after a period of time?
[16:44:00] Shan Chang said: In June 2002, the central government issued a policy of three years, which may be extended.
[16:44: 13] User: So the loan will not be available by the end of 2005?
[16:44:38] Shan Chang said: You can't say that. Before the new policy came out, it was still based on the previous policy.
[16:44:53] User: Will the guarantee center always take care of the lender after the loan arrives?
[16: 45:11] Shan Chang said: The situation varies from place to place. I have never done this job before. I have done a lot of work myself, to understand their situation, give some guidance to their enterprises, combine them, exchange ideas, see their entrepreneurial experience and see what difficulties they have.
[16:45:23] User: Is the loan only for the unemployed?
[16:45:38] Shan Chang said: This is also a kind of laid-off workers. Go to the local labor department to see what kind of unemployed people are. Get the re-employment concession card and you can start a business.
[16:46:07] User: What if the lender loses the ability to work during the loan period?
[16:46:54] Shan Chang said: We haven't met this yet, and there is no agreement. Thank you for your question. We will have an explanation about this situation in the future. Let's take a look at the basic situation first, and then synthesize it. I didn't expect an accident, and it will definitely happen. This situation is because the central document was also implemented in the second half of 2002, and we need to improve it.
[16:47:09] User: I started my business after I got the business loan. What should I do if I encounter arbitrary charges?
[16:47:46] Shan Chang said: If you encounter arbitrary charges, let him report them to the government. We severely cracked down on arbitrary charges. Don't be afraid to report them to the government, urban management and public security.
[16:48:0 1] User: How to handle this loan in cooperation with re-employed people?
[16:48: 13] Shan Chang said: The procedure is the same as I said before.
[16:48:24] User: The building materials industry has a long loan. What do you think of this?
[16:48:35] Shan Chang said: From the perspective of small loans, if the delay is too long, you can report it to the labor authorities. Don't be afraid, it will be solved soon.
[16:48:59] Netizen: Can people who have formal jobs no longer have venture loans?
[16: 49:11] Shan Chang said: Judging from the current policy, there is no loan policy for those who are already bound by the policy, but you can borrow the policy, recruit people with re-employment concession cards, and obtain loans through cooperation.
[16:49:27] User: Did you say your full name?
[16:49:37] Shan Chang said: Yes, it is the "small loan guarantee center".
[16:50:02] User: How long does it take to apply for a re-employment concession card?
[16:50: 13] Shan Chang said: usually one to two weeks.
[16:50:57] User: A small secured loan does not require the borrower to hold a certain amount of money, does it?
[16: 51:14] Shan Chang said: He didn't ask for it, but when bidding for your project, it is stipulated that you should have your own funds and 30% funds. In our actual operation, this item is strictly regulated.
[16:5 1:36] Netizen: 98% of people, you just said loans.
[16:5 1:50] Shan Chang said: 98% of the loans in our district have been issued.
[16:52: 12] User: What is the other 2% failure for?
[16:52:25] Shan Chang said: First, the project I reported was untrue. He reported it with someone else's project, and we found that he was repaying the loan during the investigation, not using it for his own business.
[16:52:49] Shan Chang said that the second money he borrowed went to Beijing to do other business. If it doesn't meet the requirements, we can't supervise.
[16:53: 17] User: You just said, how do you determine whether this project is his own or someone else's?
[16:53:3 1] Shan Chang said: the official seal and business license he applied for, the examination of tax registration, and his own ID card and seal all need to be signed. Mainly consult relevant personnel who are not very good partners.
[16:53:50] Shan Chang said: After all, we are in a certain area, and there is a labor security office below us. This person must be in various urban areas. We know little about labor security.
[16:57:08] The host said: It's almost time. Could you please say a few words to our netizens?
[16:57:22] Shan Chang said: I want to talk about three aspects. The first aspect is venture loan, which is what we call venture loan today. It is defined in it. There is no entrepreneurial loan for laid-off workers with re-employment concession card to start their own businesses in China. Our national policy has not been found yet. This is one point. At the same time, what I said today is based on the policies issued by the provincial and local labor departments, because I only operate our work in combination with the reality of my work and the policies of our central government, which is different from other regions. In the second and a half years when we issued loans, I found that entrepreneurs should not choose projects as if the newer projects are better and the more advanced projects are better. These are not necessarily the same. We should combine ourselves with our abilities to create what we have. 95% people use mechanical products. Our enterprise is a relatively concentrated enterprise in the military machinery industry and a relatively supporting enterprise in the military industry. No, the third thinks that this small loan is specially for laid-off workers, so it can't be loaned. In fact, the policy is flexible. Small loans can be employed through re-employment discount cards. In fact, many laid-off workers have this card, but it has not played its due role. In fact, they can develop through such loans. Please give more opinions on these aspects and those that are not well said. You can leave a message in the community if you have any questions. Thank you.
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