Chapter 1 Basic knowledge of small secured loans
First, the concept and characteristics of small secured loans
Second, the scope of support for small secured loans
Three, the use of small secured loans and repayment methods
Four, the amount, duration and interest rate of small secured loans
Verb (abbreviation of verb) microfinance guarantee fund
Six, small secured loans discount
Seven, small secured loan guarantee and counter guarantee.
Eight, small secured loan business process
Nine, the division of responsibilities of the small secured loan business department
Ten, small secured loan business agency responsibilities
XI。 Risk management of small secured loans
Twelve. Statistics of small secured loans
Chapter II Application and Acceptance of Small Guaranteed Loans
First, get counseling.
Second, business acceptance.
Third, the first trial
Fourth, matters needing attention
Chapter III Pre-lending Investigation
First, the concept and basic requirements of pre-loan investigation
Second, the contents and methods of pre-loan investigation
Three, personal and small business loans before the investigation points
Four, comprehensive analysis and issue an investigation report.
Verb (abbreviation of verb) Key points and matters needing attention in pre-loan investigation
Chapter IV Guarantee and Counter-guarantee
I. Business Process of Guarantee
Two. Acceptance and examination of guarantee application
Three, the preliminary review of the guarantee project and on-the-spot investigation
Fourth, implement counter-guarantee measures.
Verb (abbreviation of verb) field verification
Suggestions on the guarantee of intransitive verbs
Seven, guarantee project evaluation and decision-making.
Eight. The guarantee institution promises to guarantee.
Nine, guarantee and counter guarantee work points and matters needing attention
Chapter V Loan Issuance
I. Loan approval
Second, sign guarantee contracts and loan contracts.
Three. loan origination
Four. Post-loan management
Verb (abbreviation of verb) Matters needing attention in loan issuance
Chapter VI Post-loan Management
I. Post-loan tracking management
The second is the recovery management of due loans.
Third, the management of overdue loans
Four. Identification and write-off of bad debts
Verb (abbreviation of verb) Matters needing attention in post-loan management
Chapter VII Management of Financial Discount Funds
First, the use of financial discount funds
Two. Proportion and amount of financial discount
Third, the budget management of discount interest funds
Four, the application and review of discount loans
Verb (abbreviation of verb) Examination and disbursement of discount interest funds
Six, the audit and disbursement of incentive funds
Seven. Statistical reporting system
Eight. Supervision, management and responsibility
Nine, financial discount funds management matters needing attention
Chapter VIII Credit Union District
First, the criteria for the establishment of credit cooperatives
Second, the procedure of setting up a credit cooperative.
Three, the division of responsibilities of credit community work
Four. Apply for a small secured loan at a credit union.
Verb (abbreviation of verb) credit investigation in credit union area
Six, credit cooperatives assessment and reward.
VII. Cancellation of Credit Cooperatives
Eight. Post-loan management of credit cooperatives
Chapter IX Loan File Management
First, the concept of loan files
Second, the principle of loan file management
Three. Filing of loan files
Four, the basic contents of the loan documents
Verb (abbreviation of verb) Daily management of loan files
Matters needing attention in loan file management of intransitive verbs
Chapter 10 System Construction
First, the working system of small secured loans for grass-roots human resources and social security platforms.
Second, the working system of guarantee institutions
Third, target assessment and performance incentive system.
The second part of the policy document
national policy
Notice of the People's Bank of China, the Ministry of Finance, the State Economic and Trade Commission and the Ministry of Labor and Social Security on Printing and Distributing the Measures for the Administration of Small Guaranteed Loans for Laid-off Workers (Yinfa [2002] No.394)
Supplementary Notice of the People's Bank of China, the Ministry of Finance, the National Development and Reform Commission and the Ministry of Labor and Social Security on Relevant Issues Concerning the Measures for the Administration of Small Guaranteed Loans for Laid-off Workers (Yinfa [2003]134)
Notice of the People's Bank of China, the Ministry of Finance and the Ministry of Labor and Social Security on Further Promoting the Work of Small Guaranteed Loans for Laid-off Workers (Yinfa [2004] No.51)
Notice of the Ministry of Finance on Promoting the Specific Implementation Opinions of the Financial Support Policy for Small Loans for Laid-off Workers (Jin Cai [2004] No.66)
Notice of the Ministry of Labor and Social Security on the progress of submitting 100 small-sum secured loans to key contact cities for community employment (No.96 [2004] of the Labor and Social Security Department)
Notice of the Ministry of Labor and Social Security on Printing and Distributing the Style of "Re-employment Concession Card" and "Enterprise Certificate for Absorbing Laid-off Workers" (No.474 [2005])
Notice of the People's Bank of China, the Ministry of Finance and the Ministry of Labor and Social Security on Improving and Perfecting the Policy of Small Guaranteed Loans (Yinfa [2006] No.5)
China Banking Regulatory Commission "Guidelines on Due Diligence of Credit Granting for Small Enterprises of Commercial Banks (Trial)" (No.69 [2006] of the Banking Regulatory Commission)
Notice of China Banking Regulatory Commission on Printing and Distributing the Guiding Opinions on Credit Granting for Small Enterprises in Banks (No.53 [2007] of the Banking Regulatory Commission)
Notice of the Ministry of Labor and Social Security on Further Strengthening the Scheduling of Small Guaranteed Loans in Key Contact Cities to Promote Entrepreneurship and Employment (20061February 26th). Ministry of Labor and Social Security [2007]17)
Notice of the Ministry of Finance of Ministry of Human Resources and Social Security and the People's Bank of China on Further Improving the Management of Small Guaranteed Loans and Actively Promoting Entrepreneurship and Employment (Yinfa [2008] No.238)
Notice of the Ministry of Finance on Giving Full Play to the Supporting Role of Financial Discount Funds to Promote Employment (Jin Cai [2008] No.77)
Notice of the Ministry of Finance of the People's Bank of China, Ministry of Human Resources and Social Security on Printing and Distributing the Measures for the Administration of Financial Discounted Funds for Small Guaranteed Loans (No.Jin Cai [2008]100)
Notice of the People's Bank of China and the Ministry of Finance of Ministry of Human Resources and Social Security on Standardizing the Discount Ratio of Small-sum Guaranteed Loans (Jin Cai [2009] No.41)
Notice of the People's Bank of China, All-China Women's Federation and Ministry of Finance of Ministry of Human Resources and Social Security on Improving the Financial Discount Policy for Small Guaranteed Loans to Promote Women's Entrepreneurship and Employment (Jin Cai [2009] No.72)
Notice of Ministry of Human Resources and Social Security Municipality on Strengthening the Scheduling of Small Guaranteed Loans (No.2712009).
Local policies
Notice of the Labor and Social Security Department of Inner Mongolia Autonomous Region, Hohhot Central Sub-branch of the People's Bank of China, the Finance Department and the Finance Office on Further Improving the Work of Small Guaranteed Loans (No.[2009]113 of the Internal Labor Office).
Notice of Jilin Provincial Department of Human Resources and Social Security of Changchun Central Branch of the People's Bank of China on Printing and Distributing Several Policies on Further Improving the Management of Small Guaranteed Loans to Promote Entrepreneurship and Employment (Trial) (Chang Yin Fa [2009] No.93) (2 15).
Notice of Shanghai Human Resources and Social Security Bureau on "Implementation Opinions on Improving the Guarantee of Small Loans (Trial)" (Ren Hu Shejiufa [2009]14) (22 1)
Notice of the General Office of Jiangsu Provincial Government on Forwarding the Implementation Opinions of Nanjing Branch of China People's Bank on Further Improving the Management of Small Guaranteed Loans (No.35 [2009] of Su Zhengban)
Notice of China People's Bank Hefei Central Branch Anhui Provincial Department of Finance and Anhui Provincial Department of Labor and Social Security on Forwarding the Notice of Ministry of Human Resources and Social Security, Ministry of Finance of China People's Bank on Further Improving the Management of Small Guaranteed Loans and Actively Promoting Entrepreneurship and Employment (Heyinfa [2008] No.286)
Notice of Fujian Provincial Department of Finance, Fujian Provincial Department of Labor and Social Security and Fujian Provincial Department of Personnel of Fuzhou Central Branch of China People's Bank on Further Improving the Management of Small Guaranteed Loans and Actively Promoting Entrepreneurship and Employment (Yin Fu [2009] No.21)
Notice of Jiangxi Provincial Department of Finance and Jiangxi Provincial Department of Labor and Social Security of Nanchang Central Branch of People's Bank of China on Forwarding the Notice of Ministry of Human Resources and Social Security, Ministry of Finance of People's Bank of China on Further Improving the Management of Small Guaranteed Loans and Actively Promoting Entrepreneurship and Employment (No.212).
Notice of Shandong Provincial Department of Labor and Social Security, Shandong Provincial Department of Finance, Jinan Branch, People's Bank of China on Forwarding the Notice of Ministry of Human Resources and Social Security, Ministry of Finance, People's Bank of China on Further Improving the Management of Small Guaranteed Loans and Actively Promoting Entrepreneurship and Employment (Ji Yinfa [2008] No.205)
Notice of Zhengzhou Central Branch of the People's Bank of China, Henan Provincial Department of Labor and Social Security and Henan Provincial Department of Finance on Printing and Distributing the Measures for the Implementation of Small Guaranteed Loans in Henan Province (Zheng Yinfa [2008] No.230)
Notice of the General Office of the People's Government of Hunan Province on Forwarding Nine Documents (No.34 [2009] of the Hunan Provincial Labor and Social Security Department and other departments)
Notice of Nanning Central Sub-branch of People's Bank of China, Department of Finance of the Autonomous Region and Department of Labor and Social Security of the Autonomous Region on Printing and Distributing the Administrative Measures for the Implementation of Small Guaranteed Employment Loans in Guangxi (Nanning Yinfa [2009] No.64)
Chongqing Employment and Re-employment Leading Group Office "Chongqing Small Guaranteed Loan Measures" (Chongqing Re-employment Office Zi [2008]16)
Notice of the People's Government of Ningxia Hui Autonomous Region on Printing and Distributing the Measures for the Administration of Venture Small Guaranteed Loans in Ningxia Hui Autonomous Region (Ning Fa [2008] No.92)
Notice of Yunnan Provincial Department of Labor and Social Security, Kunming Central Branch of China People's Bank of China, and Yunnan Provincial Department of Finance on Further Improving Small Guaranteed Loans to Promote Entrepreneurship and Employment (No.322 [2008] of Yunlaoshe Office)
The third part is business text sample
Standardized operation mode of small secured loans for reemployment in Jiangxi Province
Application for Small Guaranteed Loan in Puyang City
Part IV Local Experience
"5×3" Working Mode of Small Guaranteed Loan in Jilin Province
Henan Province has established mechanisms and improved policies to promote a virtuous circle of small secured loans.
Perfecting Five Systems in Jiangxi and Giving Full Play to the Role of Microfinance in Supporting Entrepreneurship and Promoting Employment