Measures for the implementation of small secured loans for laid-off workers in Henan Province In order to promote the work of small secured loans for laid-off workers, according to the Administrative Measures for Small Secured Loans for Laid-off Workers (Yinfa [2002] No.394) issued by the People's Bank of China, the Ministry of Finance, the State Economic and Trade Commission and the Ministry of Labor and Social Security and the Opinions of the People's Government of Henan Province on Further Improving and Implementing the Re-employment Support Policies for Laid-off Workers (Yufa [2003] No.27) The loan object and conditions (1) have urban resident accounts in Henan Province. Laid-off workers who are healthy, honest and trustworthy, have certain labor skills, are self-employed, start their own businesses, engage in self-employment and receive re-employment concession cards. (2) Economic entities founded by laid-off workers who meet the above conditions and organized for employment, enterprises that absorb laid-off workers to reach more than 30% of the total number of employees. (2) the loan amount and duration. Standard for the amount of small-sum secured loans for laid-off workers who are self-employed. The standard of enterprise loan amount is10.5 million yuan per laid-off worker. (2) loan term. The loan period is generally not more than two years. If it is really necessary to continue the loan due to the development of production, an application for loan extension should be submitted to the guarantee institution 65,438+0 months in advance, which will be reviewed by the guarantee institution in time, and relevant procedures will be handled with the loan bank and the lender respectively. The lending bank may issue a loan as required; The extension period shall not exceed 65,438+0 years. 3. Loan guarantee institutions, loan banks and loan guarantee institutions (1). Small loan guarantee institutions set up by labor and social security departments in various provinces and cities are responsible for organizing the implementation of small secured loans for laid-off workers, and the guarantee institutions are registered as enterprise legal persons locally. Counties (cities) can set up corresponding branches according to the needs of work. Entrusted to undertake guarantee business. The staffing of the guarantee institution shall be arranged by the local government as a whole and included in the full financial supply, and the funds required for its work (including audit and identification, project evaluation, follow-up services, etc.). ) shall be provided by the finance at the same level. The funds needed for entrepreneurship training are paid from the re-employment funds. The guarantee institution shall not charge any management service fee to the lender. (3) loan method. Guarantee institutions should sign a unified repayment agreement with commercial banks and urban and rural credit cooperatives that undertake small secured loans, and issue loans to commercial banks or urban and rural credit cooperatives according to the loan amount determined by the audit and 20% of the applied loan amount. Transfer the guarantee money to the designated account of the undertaking commercial bank or urban and rural credit cooperatives. After the guarantee fund is paid to the undertaking commercial bank or urban-rural credit cooperative, the commercial bank or urban-rural credit cooperative shall provide the guarantee institution with the required loan amount according to the ratio of 1:5. Guarantee institutions shall pay the loan interest of national discount projects in full on a quarterly basis. After the loan expires, the guarantee institution shall repay the loan principal and interest to the undertaking commercial bank or urban and rural credit cooperatives on time and in full according to the loan agreement. According to the loan amount and the calculated guarantee fund, the small loan guarantee fund arranged by the financial contribution of the municipalities under the jurisdiction of each province will be allocated to the special account of the guarantee institution in time, and the guarantee institution will allocate it to the loan bank or urban and rural credit cooperatives. The small loan guarantee fund required by the laid-off workers of provincial enterprises shall be borne by the provincial finance. Half of the losses of small secured loans shall be borne by the provinces and municipalities respectively. (2) The low-profit projects of small secured loans should be recognized by the guarantee institutions. Guarantee institutions shall calculate and summarize the discount amount of loans for meager profit projects on a quarterly basis, and after being signed by the labor and social security department at the same level, the financial department shall submit it to the Office of the Financial Ombudsman of the Ministry of Finance in Henan Province, and the financial department shall allocate it according to the audit opinions of the Office of the Commissioner. Pay discount interest funds to guarantee institutions in time. There is no discount for extended loans. V. Loan application and review procedures (1) Voluntary application. Laid-off workers or enterprises submit a written application to the local community labor security workstation, fill in the application form for small secured loans, and submit relevant materials and certificates. Among them, individuals need to submit their identity cards, re-employment offers, project reports and other materials required by guarantee institutions; Enterprises need to submit business license, tax registration certificate, ID card of legal representative, proof of laid-off workers' proportion, concession card for absorbing laid-off workers' re-employment, project feasibility study report and other materials required by guarantee institutions. (2) After receiving the loan application, the community will conduct a preliminary examination on the applicant's qualification, credit status, project market prospect and individual entrepreneurial ability. The results of the preliminary examination shall be reported to the county and district labor and social security departments after posting. (3) the county, district labor and social security department audit. The district labor and social security department shall review and summarize the preliminary opinions reported by the street labor and social security office, and report the audit results to the municipal guarantee center. (4) examination and approval of guarantee institutions. After receiving the materials submitted by the county and district labor and social security departments, the guarantee institution shall make the final determination. Determine the object and amount of loans. The employment service agencies of the labor and social security departments at all levels should provide entrepreneurship training and business guidance for laid-off workers who have confirmed loans, as well as policy support and guidance after opening. Intransitive verb loan issuance and recovery (1) loan issuance. Guarantee institutions, street labor security offices and community labor security workstations shall assist loan banks and borrowers to handle relevant loan procedures within the unified loan repayment quota of guarantee institutions. (2) Loan recovery. Guarantee institutions are responsible for the recovery of small secured loans, and rely on labor and social security institutions at all levels to establish a recovery mechanism. Street and community labor and social security institutions should actively cooperate with guarantee institutions to recover small loans within their respective jurisdictions. For borrowers whose loans are about to expire, prompt repayment in time. Borrowers who maliciously default on loans should be publicized in their communities, notified to relevant departments, disqualified from enjoying support policies, and the loans should be recovered through various effective means. Seven. Service and Supervision (1) Establish and improve the entrepreneurial service mechanism, improve the success rate of entrepreneurship, set up expert consultation institutions, establish entrepreneurial project libraries, strengthen entrepreneurial guidance, establish a tracking service system, and help implement relevant support policies. Provide follow-up services and support to improve the entrepreneurial ability and success rate of laid-off workers and reduce the loan risk. (2) Strictly review the issuance procedures and financial supervision system. Strictly follow the loan issuance procedures and do a good job in qualification examination, credit evaluation and project evaluation. Establish and strictly implement the borrower's financial supervision system, regularly check the borrower's operating and financial conditions, and timely discover and control risks. These Measures shall apply to the small-sum secured discount loans stipulated by the state. The loan measures for discount interest projects shall be implemented in accordance with the relevant provisions of Document No.84 of Jinan Branch of China People's Bank, Henan Provincial Department of Finance, Henan Provincial Economic and Trade Commission and Henan Provincial Department of Labor and Social Security. Municipalities under the jurisdiction of all provinces shall, in accordance with the spirit of these measures, formulate detailed rules for implementation and report them to the Provincial Department of Labor and Social Affairs, Jinan Branch of the People's Bank of China, Provincial Department of Finance and Henan Banking Regulatory Bureau for the record.