Chongqing micro-credit loans mortgage company

Small secured loans have become a "timely rain" for the disadvantaged groups in Chongqing to start businesses.

Xinhua News Agency, Chongqing, August 20th-Small secured loans have become a "timely rain" for the disadvantaged groups in Chongqing when small and medium-sized enterprises and self-employed individuals have difficulty in starting businesses and obtaining loans. According to the statistics of Chongqing Employment Service Administration, by the end of last year, in more than five years, this policy had directly helped 83,000 people to start businesses and driven 1.6 million people to find jobs.

Popular "good policy"

Since September 2002, Chongqing has implemented the policy of small-sum secured loans, helping laid-off workers, demobilized soldiers, unemployed college students, migrant workers and other difficult groups to obtain loans in the form of government-funded guarantee and full discount, with a term of 1 year. After the loan principal and interest are settled, you can apply for a one-year loan renewal. In the main city of Chongqing, the applicant must apply to the neighborhood committee of the community to which he belongs. After the audit of the neighborhood Committee, it is recommended by the local neighborhood office or the social security office of the town government to the district employment bureau for audit, and finally it is undertaken by the lending financial institution. Generally, the outer suburban counties directly apply to the county employment bureau or the township social security office, and the application will be processed after being audited by financial institutions.

Since 2003, the annual growth rate of Chongqing's issuance has become faster and faster. Last year alone, it issued 420 million yuan, an increase of 61%over the previous year. In the first half of this year, 250 million yuan was distributed, which continued to maintain the growth momentum.

In the survey, all individual or small business operators think that the small secured loan policy is popular. Wang Degang, a farmer in Kaixian County, wants to open a curtain shop in a busy area, but he can't make enough money. At this time, he applied for 20,000 yuan with the help of Kaixian Employment Bureau, and his business was booming after opening. Last year, his net profit was 60,000 to 70,000 yuan. After being laid off, Lei Side, a resident of Nan 'an District of Chongqing, founded Yu Xia Plastic Factory. Due to the lack of funds, it is difficult for this enterprise to expand its scale. He won the bid successfully with 654.38 million yuan, and bought a new equipment with his own savings, which increased the annual sales income from 800,000 yuan to 2 million yuan. He said, "Saved me."

Market-oriented operation forms a long-term mechanism

In Chongqing, the amount of small secured loans has increased year by year, but the risk is very small, and a long-term mechanism has been formed. According to statistics, at present, Chongqing should recover 650 million yuan, and actually recover 640 million yuan, with a recovery rate of 98.5%.

According to Wang Shiping, deputy director of Chongqing Employment Bureau, Chongqing's guarantee fund is jointly funded by district and county finance and municipal finance according to the ratio of 1 ratio 1 * *, which is deposited in loan-bearing financial institutions, saving manpower and expenses, and the loan discount comes from re-employment funds. Financial institutions lend according to three times the size of the guarantee fund, and the risks are borne by the county finance, the municipal finance and the financial institutions 1/3.

In order to control risks, financial institutions implement counter-guarantee: applicants can ask civil servants and institutions with full financial allocation to guarantee, or they can use facade, real estate and securities as collateral. Even if there are risks, Chongqing has formed a perfect collection mechanism. For example, the Employment Bureau of Yunyang County issued a collection notice to overdue lenders and sent people to collect them at home. If the collection fails, the guarantor shall be directly notified; if the guarantor fails to perform the guarantee responsibility, the unit where the guarantor works and the Finance Bureau shall be notified to withhold the salary repayment. At present, the non-performing rate in Yunyang County is only 0.49%.

Open up a green channel for the most difficult entrepreneurs

Can such a person get a small secured loan without a guarantor and asset mortgage? Last year, Chongqing established a green channel to provide special help to the most difficult entrepreneurs. At present, more than 50 people in Chongqing have entered the green channel, and * * * has obtained unsecured loans of 6,543,800 yuan.

Zhu Huaigang, a resident of Jiangbei District, Chongqing, came to work in an airline ticket agency after changing jobs from the army. His annual income is only 6,543,800 yuan. At the beginning of last year, he wanted to go it alone, but he lacked venture capital and could not get the asset mortgage when bidding. After layers of review, Jiangbei District Employment Bureau finally let him enter the green channel. After Zhu Huaigang got 20,000 yuan, he opened a shop and his annual income increased to 50,000 to 60,000 yuan.

Guo Wei, 26, graduated from the Conservatory of Music of Chongqing Normal University, majoring in musical instrument manufacturing of the Central Conservatory of Music. Since then, he has been mainly engaged in musical instrument maintenance. After groping in the market for a period of time, he wanted to open a musical instrument store, but he had no funds. When applying for bidding, he wanted to use his 60-square-meter house as collateral, but the bank refused. When he was desperate, he was unexpectedly recommended by Yuzhong District Employment Bureau to enter the green channel, and he borrowed 50,000 yuan at the end of last year. Now his piano shop sells 10 pianos a month on average, and the situation is promising. He said: "The Employment Bureau not only helped me get on the horse, but also gave me a lift, which allowed me to enjoy the tax-free policy of 8,000 yuan a year for college students to start businesses."

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Is Chongqing Three Gorges Bank formal?

Chongqing Three Gorges Bank is a state-owned bank in Chongqing and a bank of Chongqing people! In 20 17, it became one of the top 500 banks in the world and was named "the best financial service institution for small and medium-sized enterprises in China"!

Small mortgage loan of Three Gorges Bank: residential shops and consumer businesses can borrow money! Meet your various financial needs!

What materials are needed for the loan conditions of Chongqing Bank?

Letter of credit clause

1,/kloc-a natural person between 0/8 and 60 years old who can provide valid identification and have full capacity for civil conduct;

2 have a stable economic income and the ability to repay the principal and interest of the loan on schedule;

3. Have a fixed residence or valid residence certificate in this city;

4. Meet the conditions of our guarantee or credit loan, or provide collateral guarantee recognized by our bank;

5. Open a personal settlement account in our bank, and agree and authorize our bank to deduct the loan principal and interest and related expenses that the borrower should bear from its account;

6. There is a clear loan purpose;

7. Meet other requirements of the Bank.

Application material

1. Original and photocopy of the valid identity certificate of the loan applicant;

2, the loan applicant unit income proof materials;

3. If the borrower applying for mortgage or pledge guarantee is married, he/she must provide a marriage certificate, a valid identity certificate and a copy of his/her spouse, and a * * * repayment commitment letter issued by the borrower's spouse; If the loan applicant is unmarried, an unmarried statement shall be issued;

4. Proof of loan purpose;

5. Other necessary materials required by Chongqing Bank.

Extended data:

Lender: Chongqing Bank.

Type of institution: bank

Loan type: mortgage loan

Repayment method: installment repayment.

Loan amount:1.00-5 million.

Applicable areas: Chengdu, Guiyang, Xi and Chongqing.

Loan currency: RMB

Suitable for people: other occupations, employees of state-owned enterprises, civil servants, lawyers and teachers.

Loan interest rate: 0.60%-0.70%