Chapter I General Provisions
Article 1 In order to support rural youth's entrepreneurship and employment, meet the needs of production and operation, and effectively prevent and control loan risks, these Detailed Rules are formulated in accordance with the Implementation Opinions of Zhangzhou Rural Youth Entrepreneurship Loan (Trial) (Tuan Zhang Wei Lian [2065 438+04] 1No.) and combined with the actual situation in xiangcheng district.
Article 2 In accordance with the principle of "voluntary application, recommendation by league organizations, independent examination and approval, and repayment of principal and interest on schedule", ensure that eligible youth loan objects and projects receive timely support and help, and ensure the safe and normal turnover of credit funds.
Article 3 The term "rural youth entrepreneurship loan" as mentioned in these Measures refers to the loans issued by rural youth and migrant workers who return home to start businesses recommended by Zhangzhou Rural Commercial Bank to xiangcheng district Youth Employment Entrepreneurship Group.
Chapter II Loan Object, Conditions, Amount and Term
Article 4 The loan object and conditions
1, age 18 to 40 years old, rural youth with full capacity for civil conduct and household registration in xiangcheng district;
2, entrepreneurial projects in line with national industrial policies, entrepreneurial projects and entrepreneurial ability, or a legitimate occupation and stable economic income, the ability to repay the principal and interest of the loan on schedule;
3, law-abiding, honest and trustworthy, no major bad credit records;
4. The purpose of the loan is legal and clear;
5. Other conditions required by Xiangcheng Youth League Committee and Zhangzhou Rural Commercial Bank.
Article 5 the loan amount. According to the borrower's production and operation status, debt repayment ability, loan fund demand, credit status, guarantee method and other factors, the maximum guarantee amount does not exceed 654.38+0 million yuan, and the financial discount loan conforms to relevant policies and regulations.
Article 6 The credit period of a loan is generally not more than 3 years, and the principal can be repaid by monthly interest rate or monthly (quarterly) installments.
Chapter III Loan Handling Procedures
Seventh rural youth entrepreneurship loans shall be handled in accordance with the following procedures: rural entrepreneurial youth apply for loans → organize preliminary examination and recommendation → bank credit approval and issuance → loan recovery → comprehensive evaluation.
(a) recommended by the league organization
1, apply at home for recommendation.
Eligible rural youth fill in the "Recommendation Form for Rural Youth Entrepreneurship Loan in xiangcheng district, Zhangzhou City", organize a group to apply for a loan to the place of residence or residence, and organize a preliminary examination of whether the borrower meets the conditions, which will be recommended to Zhangzhou Rural Commercial Bank by the Youth League Committee.
If it is a financial discount policy loan, it is still necessary for the Communist Youth League Committee to make suggestions and submit them to the county-level human resources and social security departments for review.
2. Batch application and recommendation
Eligible rural youth fill in the recommendation form of rural youth entrepreneurship loan in xiangcheng district, Zhangzhou City. According to the local conditions, the youth league organizations shall declare eligible rural youth in batches according to the administrative villages and towns (professional markets, streets and communities), and the youth league organizations shall fill out the Batch Recommendation Form for Rural Youth Entrepreneurship Loans in xiangcheng district, Zhangzhou City. After preliminary examination, it was recommended by the District Youth League Committee to Zhangzhou Rural Commercial Bank.
(2) Bank approval and issuance
After receiving the loan application recommended by the Communist Youth League Committee, the business department of Zhangzhou Rural Commercial Bank will transfer it to the branch in time according to the principle of proximity, and the handling branch will go through the relevant procedures in accordance with the loan procedures. According to the borrower's application amount, the account manager can conduct on-site investigation and approval, or conduct batch investigation and approval. After approval, Zhangzhou Rural Commercial Bank signed a loan contract with the borrower to issue loans. If you disagree, inform the applicant in time and explain the reasons.
(3) Regular communication and comprehensive evaluation.
Based on the principle of full trust and long-term stable cooperation, the Communist Youth League and Zhangzhou Rural Commercial Bank strengthen communication between functional departments, establish a contact system, regularly exchange and evaluate the development of rural youth entrepreneurship loans, and effectively enhance the ability of rural youth to start businesses and increase their income.
Eighth rural youth entrepreneurship loans need to provide information.
1. Borrower's ID card, household registration book and marriage certificate;
2. The valid certification materials for business projects such as individual industrial and commercial households, sole proprietorship enterprises, partnerships, corporate enterprises, etc. or certification materials for consumption purposes must provide business licenses, and special industries must also have production and business licenses for special industries; Original and photocopy of legal and valid business license;
3. If there is a commendation certificate at or above the county level, provide the original and photocopy of the certificate.
4. Other relevant information deemed necessary by the handling bank.
Chapter IV Preferential Measures
Article 9 Simplify loan procedures. The rural youth entrepreneurship loan adopts the management mode of "one-time approval, use with the loan, balance control and recycling". Once the loan amount is approved, according to the borrower's actual demand for loans, you can go to Zhangzhou Rural Commercial Bank outlets to handle loans within the approved amount at any time.
Article 10 Preferential loan interest rates shall be implemented. All rural youth entrepreneurship loans recommended by the youth league organizations can enjoy the preferential policy of Zhangzhou Rural Commercial Bank that the interest rate of similar loans with the same term and grade falls 10%; Rural youth who have been commended at or above the county level can enjoy the preferential policy of lowering the loan interest rate 15%.
Eleventh priority loans. Zhangzhou Rural Commercial Bank arranges special funds for rural youth entrepreneurship loans every year, giving priority to ensuring rural youth entrepreneurship loans and ensuring that the loan needs of rural youth are met.
Twelfth the implementation of zero fees. Rural youth entrepreneurship loans are exempt from handling fees, production fees and mortgage registration fees. And the loan business is free.
Article 13 rural youth entrepreneurship loans are used for entrepreneurial production and operation projects, and urban and rural youth who meet the current conditions of small-scale financial discount guarantee loans can enjoy the financial discount policy according to regulations.
Chapter V Cooperative Operation
Fourteenth league organizations should give full play to the advantages of being close to the grassroots and the masses, increase the training of entrepreneurial youth, publicize and explain the policy of entrepreneurial loans, and do a good job in borrower registration, preliminary examination and recommendation services.
Fifteenth league organizations should cooperate with Zhangzhou Rural Commercial Bank to do a good job in pre-loan service, loan management and post-loan write-off, and inform the bank in time when problems are found.
Article 16 The league organization shall strongly recommend and use various financial products and services of Zhangzhou Rural Commercial Bank, and coordinate the settlement of fund accounts and youth entrepreneurship loans in Zhangzhou Rural Commercial Bank.
Article 17 Zhangzhou Rural Commercial Bank provides comprehensive, efficient and high-quality financial services for youth league organizations and rural youth through measures such as linkage of general branches, combination of credit resources and comprehensive financial services.
Article 18 Zhangzhou Rural Commercial Bank practices the promise of "sunshine credit" service, strictly implements the "three checks" system of loans, establishes and improves the risk control mechanism of youth entrepreneurship loans, and does a good job in loan management and loan recovery according to the principle of self-management and self-risk.
Nineteenth Zhangzhou Rural Commercial Bank should establish and improve the credit files of rural youth entrepreneurship loans, and make monthly (quarterly) statistics on loan acceptance, issuance and stock.
Article 20 League organizations at all levels and Zhangzhou Rural Commercial Bank should sum up the good experiences and practices of developing youth entrepreneurship loans in a timely manner, gradually establish and improve an effective incentive and restraint mechanism, and timely commend advanced units and individuals that promote rural youth entrepreneurship loans.
Chapter VI Supplementary Provisions
Article 21 Where these Measures are inconsistent with the national laws and regulations, the national laws and regulations shall prevail.
Twenty-second city youth entrepreneurship loans with reference to these measures.
Article 23 These Measures shall be interpreted and revised by Xiangcheng Youth League Committee and Zhangzhou Rural Commercial Bank.
Article 24 These Measures shall be implemented as of the date of promulgation.
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