Reporter (Zhao Wanshan, the all-media reporter of Lanzhou Daily) learned from the recent promotion meeting of entrepreneurship guarantee loans in Lanzhou that in the second half of the year, the employment departments at all levels in our city will focus on the issuance of entrepreneurship guarantee loans, take unconventional measures such as relaxing counter-guarantee restrictions and increasing the speed of loans, speed up the review of loan applications, rapidly advance the progress of loan issuance, and fully complete the annual objectives and tasks.

It is understood that on the basis of continuously improving the risk assessment ability, the city has effectively relaxed the restrictions on counter-guarantee and relaxed the scope of counter-guarantee to people with fixed income. Counter-guarantor refers to the third person who provides guarantee for the debtor and asks the debtor to provide guarantee to ensure the realization of his right of recourse.

Explore the issuance of entrepreneurial guarantee loans through credit, and cancel the counter-guarantee in principle for specific groups such as entrepreneurs who have won honorary titles above the municipal level, entrepreneurial projects and enterprises, micro-credit enterprises recognized by financial institutions, merchants and farmers, and second-time entrepreneurs with stable and trustworthy operations, so as to solve the bottleneck problem of counter-guarantee for entrepreneurial guarantee loans.

At the same time, loosen the loan according to regulations. Cancel the restriction that you can apply for a loan after three months of business license registration; Small and micro enterprises are no longer required to provide social security payment records when applying for loans, and the third responsible person can be used as the counter-guarantor. The maximum amount of a counter-guarantor is 6,543,800 yuan+0.5 million yuan, and employees who apply for business guarantee loans are encouraged to provide counter-guarantee. The bank will no longer conduct on-the-spot investigation and audit on the individual business guarantee loan households recommended by the employment department. Personal loans need 15 working days, and loans for small and micro enterprises that meet the loan conditions need 15 working days, which enhances the attractiveness of business guarantee loans.

It is reported that in the first half of the year, Lanzhou added 707 business guarantee loans of 93.53 million yuan, and resettled 1903 people. (Lanzhou Daily)