College graduates with full capacity for civil conduct, good health, law-abiding, honest and trustworthy, entrepreneurial desire, entrepreneurial ability, entrepreneurial projects, certain self-raised funds and legal and stable business premises are supported by small secured loans due to insufficient self-raised funds during their self-employment. According to the characteristics of college graduates, they can be divided into three types:
1. If you don't find an employment unit after graduation and register unemployment in the local human resources and social security department in time, you can apply for a small secured loan in the guarantee center where the entrepreneurial project is located with your graduation certificate and Employment Unemployment Registration Certificate or Urban Unemployment Registration Certificate.
2. Those who have left school or completed their studies can apply for a small secured loan at the guarantee center where the venture project is located with their graduation certificate and valid certificate issued by the school.
3. Fresh graduates, who have not yet graduated, can apply for small secured loans in the guarantee center where the venture project is located with their student ID card and valid certificates issued by the school.
For the above three types of college graduates who start their own businesses in cities and towns, the loan amount, term, counter-guarantee conditions, discount ratio and other specific matters shall be implemented in accordance with the Notice of Nanchang Central Sub-branch of the People's Bank of China, Jiangxi Provincial Department of Finance and Jiangxi Provincial Department of Labor and Social Security on Forwarding the Notice of China People's Bank, Ministry of Finance and Ministry of Human Resources and Social Security on Further Improving the Management of Small Guaranteed Loans to Actively Promote Entrepreneurship and Employment (No.212 [2008]).
Information to be provided:
1. Original approval form for small secured loan application in duplicate.
2, the applicant's "college diploma" and "employment unemployment registration certificate" and other valid identification in duplicate.
3. The original and photocopy of the business license of individual industrial and commercial households that have been legally operated.
4. The original and photocopy of the applicant's husband and wife ID card, household registration book and marriage certificate (unmarried persons provide unmarried certificates).
5, a stable income of the city's full financial allocation of administrative institutions to provide security, and provide the guarantor's ID card, residence booklet and a copy of the original two copies.
6. The guarantor's income certificate and the original loan commitment letter in duplicate.
According to the telephone number provided by the complainant, the staff of our bureau got in touch with the complainant on 20 1 1 on June 9, and learned that the complainant wanted to open a clothing store, and did not register for unemployment or apply for employment unemployment registration certificate. The staff of our bureau told the complainant in detail about the relevant situation of college students' entrepreneurial loans. Those who have not registered for unemployment may apply for the Employment Unemployment Registration Certificate at the registered labor security office.
We told the complainant that as long as they meet the requirements for applying for a small secured loan for re-employment and can provide the required information, they can apply for a small secured loan from the small secured loan center where the entrepreneurial project is located because of insufficient self-raised funds. We will accept it in time and recommend it to the cooperative bank for loan.
Human Resources and Social Security Bureau
20 1 1 June 9, 2008