1. Apply to the local human resources and social security department and provide relevant materials as required. The relevant departments shall examine whether the qualified personnel who submit the application are qualified and the authenticity of the submitted materials;

2. Implement relevant guarantee conditions. After the qualification examination of the applicant, review the guarantee conditions provided by the applicant to ensure the authenticity and credibility of the guarantee and reduce financial risks;

3. Application of financial institutions: After the qualification examination of relevant government departments and the qualification examination of guarantors, the applicant applies to relevant financial institutions.

4. After receiving the application materials submitted by the applicant, the financial institution shall conduct audit according to the prescribed procedures. Once the materials submitted by the applicant are approved, they are ready to lend money; At the same time, sign relevant contract procedures and report relevant data to relevant government departments;

5. Do a good job in post-loan management, supervise whether the applicant's loan is implemented, and repay the loan on time according to the contract in advance.

Enterprise guaranteed loan process

1. Application: The enterprise applies for loan guarantee.

2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.

3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.

4. Guarantee: confirm the loan guarantee and counter-guarantee agreement, asset mortgage and registration with the enterprise, sign the guarantee contract with the loan bank, and formally establish the guarantee relationship with the bank and enterprise.

5. Lending: Banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises.

6. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.

7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow.

8. Dissolution: cancellation of mortgage registration, cancellation of guarantee relationship with banks and enterprises with corporate bank repayment form.

9. Record: Record the credit situation of this loan guarantee, which is divided into four grades: normal, abnormal, overdue and bad debt, so as to provide credit records for subsequent guarantees.

10. Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after repayment of loans and vouchers for cancellation of guarantee, etc., are sorted, filed and sealed for future file search.