1. Scope and objects of personal loans

Registered unemployed persons in urban areas, demobilized and demobilized veterans in urban areas holding valid certificates for retiring from active service, graduates of college and technical secondary schools, and those who have moved to the city Rural laborers who start a business, farmers who have completely lost their land and farmers who move to start a business;

Individual application information for discounted loans

The following information is required when applying for a business guaranteed loan:

Two copies of the written application;

Two copies of the small loan application approval form;

The original and photocopies of the industrial and commercial business license, ID card, and household registration booklet ;

Credit report;

The original and a copy of the marriage certificate of both parties.

Each individual small-amount discounted loan that meets the scope does not exceed 200,000 yuan, and the interest discount is 2.5 percentage points higher than the benchmark interest rate of the People's Bank of China at the time of the loan. The interest discount period shall not exceed three years at most.

2. Enterprises apply for discounted loans:

Recognition of labor-intensive small businesses

Recognition conditions

Labor-intensive small businesses refer to Other small businesses other than the construction industry, entertainment industry, sales of real estate, transfer of land use rights, advertising, housing agencies, pawns, etc. In that year, the newly recruited personnel holding the "Employment and Unemployment Registration Certificate" reached 30% of the total number of current employees of the enterprise and signed a labor contract of more than one year with them. The employment procedures were complete and they participated in social insurance.

Submit materials:

Original and copy of "Recognition Certificate";

Original and copy of industrial and commercial business license;

Taxation The original and copy of the registration certificate;

The original and copy of the "Employment and Unemployment Registration Certificate" for the new personnel;

The labor contract signed between the new personnel and the enterprise;

Employment registration roster;

Original and copy of social insurance payment voucher;

Original and copy of enterprise wage payment voucher;

Employee roster;

Other materials required by the human resources and social security departments and the financial department.

Recognition procedure:

The enterprise applies to the public employment service agency, which is reviewed by the public employment service agency and reviewed by the financial department. It is issued by small businesses that meet the loan interest discount conditions. "Certificate of identification of labor-intensive small businesses absorbing laid-off and unemployed persons".

Submit materials:

In addition to providing the required materials in accordance with bank regulations, provide the "Certification Certificate" to the handling bank.

For qualified labor-intensive small businesses, the maximum amount of subsidized loans they can apply for shall not exceed 2 million yuan. For qualified labor-intensive small business loans, the financial department will provide an interest discount of 50% of the People's Bank of China's benchmark interest rate at the time of the loan. The central and local finances will each bear half of the interest subsidy funds, and the interest subsidy period shall not exceed 2 years at most.

Contact person: Liu Landi

Telephone number: 3758110