A: Small secured loan refers to the employment promotion policy that helps unemployed people in cities and towns, unemployed university graduates, migrant workers and retired soldiers to start their own businesses by setting up a guarantee fund funded by the government, entrusting guarantee institutions to provide loan guarantees, and handling loans from commercial banks, and helping them start their own businesses by engaging in self-employment or establishing small businesses independently and in partnership, and promoting the employment of more unemployed people.

2. Who can apply for a small secured loan?

Answer: Those who can apply for small secured loans refer to registered residents, individual industrial and commercial households or small enterprises independently established in partnership according to law who meet at least one of the following conditions within the legal working age of the country (that is, 65,438+06 to 60 years old for men and 65,438+06 to 50 years old for women).

1, registered unemployed persons in cities and towns who hold the Re-employment Concession Card issued by the labor and social security department of this Municipality;

2, has been recognized by the state institutions of higher learning (including party schools at or above the provincial level) issued by the junior college or above (including junior college) graduation certificate has not yet been employed fresh graduates.

3. Retired (demobilized) soldiers who hold the "Beijing Retired Soldiers Self-employed Certificate" uniformly printed by the Beijing Municipal Civil Affairs Bureau's Retired Soldiers Resettlement Office and stamped by the District and County Civil Affairs Bureau's Retired Soldiers Resettlement Office.

4. agricultural registered permanent residence residents who have applied for job registration at the township social security office or the village employment service station and received the "Beijing Rural Surplus Labor Employment Certificate".

3. What are the restrictions on industries that apply for small secured loans?

A: The document clearly stipulates that individual industrial and commercial households are not allowed to operate buildings, entertainment, advertisements, saunas, massages, Internet cafes and oxygen bars. Independent and partnership small enterprises engaged in construction, entertainment, advertising, sauna, massage, Internet cafes, oxygen bars, wholesale, wholesale and retail businesses and other non-retail businesses are excluded.

Four, apply for a small secured loan should have what conditions?

A: Individual industrial and commercial households applying for small secured loans or small enterprises established independently or in partnership should hold business licenses issued by the administrative department for industry and commerce of this Municipality; Handle tax registration in the tax authorities (national and local taxes) and hold a tax registration certificate; Open an account in the handling commercial bank; The capital investment that has been used for production and operation shall not be less than 30% of the loan amount; Legal operation, good credit standing, solvency, and ability to provide effective counter-guarantee measures as required. In addition to the above conditions, individual operators who operate individual industrial and commercial households must also be trained by entrepreneurship training institutions and obtain relevant certificates.

5. How to apply for a small secured loan?

Answer: If the borrower is an individual industrial and commercial household, he can submit a written application for a small secured loan to the social security office in the street (township) where his business place or account is located.

If a borrower establishes a small business independently or in partnership, it shall submit a written application for a small secured loan to the county labor and social security bureau where it is registered.

6. What is the loan amount that individual operators can apply for when starting a business?

A: The amount that individual industrial and commercial households can apply for a small secured loan does not exceed 50,000 yuan.

7. What is the loan amount that a self-reliant partnership can apply for?

A: The amount of small secured loans that can be applied for by self-reliant and partnership-founded small enterprises is generally 200,000 yuan; Or according to the business projects of enterprises and the number of unemployed people in cities and towns in this city, the per capita guarantee shall not exceed 50,000 yuan, with a maximum of 500,000 yuan.

8. What is the term of the small loan?

A: Generally, the term of small secured loans does not exceed 2 years. If it is really necessary to extend the loan upon maturity, it can be extended 1 time, and the extension period shall not exceed 1 year.

9. What materials do individual industrial and commercial households need to submit to apply for small loans?

Answer: The applicant shall submit the following materials (in triplicate, one for the social security office, one for the handling bank and one for the guarantee institution) to the social security office in the place where his household registration or business license is registered:

1, Beijing self-employed small secured loan application and recommendation letter;

2. Original and photocopy of relevant documents. Including the applicant's resident identity card and household registration book, as well as one of re-employment concession card, university diploma, self-employment card for retired soldiers in Beijing or job-seeking card for surplus rural labor in Beijing;

3. Original and photocopy of entrepreneurship training certificate. Including the entrepreneurship training certificate of Beijing Labor and Social Security Bureau, the entrepreneurship training (SYB) certificate of the Ministry of Labor and Social Security or other entrepreneurship training (education) certificates approved by the Municipal Entrepreneurship Guidance Center, and the entrepreneurship project plan or feasibility analysis report approved by the entrepreneurship training institution;

4, the applicant's "individual business license" copy, the original and copy of the special industry production and operation license;

5. A copy of the ownership certificate of the applicant's business premises;

6. The original "Personal Commitment Letter of Small Guaranteed Loan in Beijing Credit Union District" signed by the applicant;

7. Information on counter-guarantee measures to be provided by the applicant (small secured loans in non-credit cooperative areas);

8. Proof that the applicant's own funds are not less than 30% of the loan amount. Proof refers to the invoice or receipt of the expenses incurred by the applicant for business investment;

9. Unemployed college graduates are required to provide personal file filing certificates issued by filing institutions;

10, other materials required by the guarantee company and the handling bank.

X. What materials do small enterprises need to submit to apply for small loans?

The applicant enterprise shall submit the following materials to the county labor and social security bureau of industrial and commercial registration (in triplicate, one for the county labor and social security bureau, one for the handling bank and one for the guarantee institution):

1, application and recommendation letter of small secured loan for small enterprises in Beijing;

2. Original and photocopy of relevant documents of enterprise investors. Including enterprise investors' resident identity card, re-employment concession card, university diploma, Beijing retired soldiers' self-employment card and Beijing rural surplus labor force job-seeking card;

3. Copy of enterprise business license, original and copy of enterprise organization code certificate, and copy of tax registration certificate (national tax and local tax);

4. Original and photocopy of the enterprise registration capital verification report;

5. Original and photocopy of the certificate of ownership of the business premises;

6. Original and photocopy of the production and operation license for special industries;

7. Copy of articles of association and partnership agreement;

8. Resume and ID card of the legal representative, original and photocopy of the power of attorney of the authorized agent and ID card of the agent;

9. Copy of the loan card and password (or copy of the query result of the loan card);

10, the resolution of the shareholders' meeting or the resolution of the partners' meeting when the enterprise decides to apply for loan guarantee;

1 1, enterprise profile and project feasibility report;

12. Counter-guarantee measures to be provided;

13, financial statements of last year and current period, including balance sheet, income statement, cash flow statement, etc. ;

14, proof that its own funds are not less than 30% of the loan amount, which refers to the official invoice of the expenses incurred by the enterprise applying for business investment;

15. If the investor is an unemployed university graduate, a personal file filing certificate issued by the filing institution shall be provided;

16. Other materials required by the guarantee company and the handling bank.

To apply for a small secured loan of up to 500,000 yuan, the following materials are required:

17, a copy of the labor contract signed by the enterprise to recruit registered unemployed people in cities and towns in this city;

18, the enterprise pays social insurance records for employees;

19, the original and copy of enterprise wage payment voucher (payroll);

20, the unemployed "re employment concession card" copy.

XI。 How long does it take to apply for a loan?

A: The small secured loan accepting institution will give the applicant a formal reply within 12 working days from the date of receiving the loan application and qualified materials.

Twelve. What obligations should the borrower undertake during the period of enjoying the secured loan?

A: The borrower and the counter-guarantor shall perform their obligations in strict accordance with the Entrusted Guarantee Contract and the Loan Contract. It is necessary to use the loan according to the specified purposes, submit financial statements, project progress and other materials to the county labor and social security department or social security office, guarantee institutions and handling banks on a quarterly basis and ensure their authenticity, implement repayment funds in advance, and accept the supervision and inspection of the above departments on the use of funds, production and operation, and financial activities. The situation of the borrower or counter-guarantor changes (such as the division, merger, change of property and legal representative of the enterprise, etc.). ); When a natural person changes his household registration, address, telephone number, marital status, economic status, etc. ), it shall notify the county labor and social security department or social security office, guarantee institution and handling bank in advance or within 3 days from the date of change, and actively cooperate with relevant units to handle relevant formalities in time.

Thirteen. What should I do if I can't repay the loan on time after the small secured loan expires?

Answer: For the small-sum secured loan projects that have not been repaid in time or have been announced to be due in advance, the handling bank will issue the overdue loan collection notice to the borrower, and recover the loan from the borrower within 15 working days from the date when the loan term expires or the bank announces that the loan is due in advance.

After the end of the recourse period, if the borrower still fails to pay the loan principal and interest, the guarantee fund management institution shall make compensation to the handling bank in advance, and the compensation content is limited to the outstanding loan principal.

After the guarantee institution or the handling bank compensates the small secured loan, it may exercise the right of recourse against the borrower according to law. Recovery measures include:

(a) to urge borrowers to make repayment plans and recover loans as soon as possible;

(2) Disposing of the loan collateral (pledge) according to law;

(3) To bring a lawsuit against the malicious evasion of secured debts.

The borrower will bear all expenses incurred by the guarantee institution to recover the loan and interest through legal procedures.

14. What are counter-guarantee measures?

A: Counter-guarantee refers to the act of the borrower providing guarantee to the third party when the third party provides guarantee to the lender for the borrower.

15. What are the contents of counter-guarantee measures?

A: According to the Guarantee Law, counter-guarantee measures include deposit, mortgage, pledge and guarantee.

Counter-guarantee method

Apply for borrower

cash deposit

1. Sign the contract, including entrusting to guarantee the objectivity and authenticity of the contract and commitment;

2. Pay the deposit to the guarantee institution in accordance with the prescribed proportion;

3. Go to the notary office for notarization.

impawn

1. Signing contract: entrustment guarantee contract, objective authenticity commitment letter, mortgage (pledge) counter-guarantee contract;

2. Provide information on the ownership of the collateral or rights; 3. Go to the notary office for notarization.

sequence

three

square

think

use

protect

certificate

natural person

1. Contract signing: entrustment guarantee contract, objective authenticity commitment, unlimited joint and several personal liability commitment;

2. Provide information about their property;

3. Go to the notary office for notarization. The spouse shall be the * * * counter-guarantor.

Legal person or other organization

1. Contract signing: entrustment guarantee contract, commitment letter of objectivity and authenticity, and third-party credit guarantee contract;

2. Provide information about their property;

3. Go to the notary office for notarization.

Individual unlimited joint and several liability

If the applicant is a small enterprise, its corporate legal person or principal responsible person or executor of partnership affairs shall sign an undertaking of unlimited joint liability with the guarantee institution, and the procedures are similar to those of natural persons.

Sixteen, what is the loan discount?

A: Loan discount means that the small secured loans for low-profit projects are fully subsidized by the municipal finance. The borrower does not pay interest during the loan period, and the maximum discount is no more than two years, and no subsidy will be given during the extension period.

17. How to apply for loan discount?

Answer: When applying for a small secured loan, a borrower who meets the conditions of loan discount should submit a written application for financial discount to the accepting institution and fill out the Application Form for Financial Discount of Small-scale and Small-profit Small Secured Loan.

Eighteen, what are the meager profit projects that enjoy full financial concessions?

Low-profit projects refer to self-employed projects such as commerce, catering, repair, etc. engaged by qualified personnel in communities, streets, industrial and mining areas. , including: cottage industry, repair and replacement, book lending, hotel service, catering service, dyeing and sewing, copying and typing, haircut, small dining table, canteen, moving, hourly service, household cleaning and sanitation service, primary health care service, infant care and education service, and disabled children.

What is the loan interest rate that does not enjoy the full financial discount policy?

A: The interest rate of small secured loans shall be based on the benchmark interest rate published by the People's Bank of China and shall not go up. On April 28th, 2006, China People's Bank announced the benchmark loan interest rate as follows:

short-term loan

Annual interest rate%

Within six months (including six months)

5.40

Half a year to one year (including one year)

5.85

medium and long term loans

Annual interest rate%

One to three years (including three years)

6.03

Three to five years (including five years)

6. 12

More than five years.

6.39

Twenty, what is a small secured credit union area?

A: Credit union area refers to the street (township) that recommends unsecured micro-loans to banks based on the personal credit commitment of individual operators applying for micro-secured loans within their jurisdiction and on the basis of investigation and evaluation of their credit status. The credit union area is based on the street (township) social security office, relying on the community employment service organization, absorbing the community labor security coordinator as a member, and established under the guidance of the county finance department, labor security department, guarantee institution and microfinance handling bank.

Twenty-one, what are the credit information of credit cooperatives to loan applicants?

1, household survey: mainly investigate the applicant's behavior ability, family income, personal and family property;

2. Community neighborhood Committee survey: mainly investigate the applicant's neighborhood relationship, public service payment, personal and family debt, social morality, etc.;

3. Sectional police investigation: mainly investigate whether the applicant has a record of violation of law and discipline;

4. Investigation of business premises: mainly investigate the applicant's business premises, equipment and operation;

5. Credit record survey: mainly investigate the loan, credit and credit card usage between the applicant and banks and other financial institutions.