Legal analysis: first, the applicant entrepreneur submits a written application to the microfinance guarantee center of the labor and social security department where the entrepreneurial project is located with relevant application materials; Then review the application materials submitted by the applicant, formally accept the loan application for those who basically meet the application conditions and guide the applicant to fill in the application form for small loan guarantee; After on-the-spot investigation of the applicant's entrepreneurial project, you can wait for the bank to lend money after the approval is completed.

Legal basis: Notice of Qingdao Finance Bureau and Qingdao Human Resources and Social Security Bureau on Launching Pilot Work of Credit Guarantee for Small and Micro Enterprises in Qingdao (VI) Financing Process.

1. Small and micro enterprises eligible for prequalification can apply for loan prequalification through Qingdao Employment Network or on-site at the Municipal Employment Service Center, which is responsible for comparing the list of small and micro enterprises and verifying the employment situation.

2. Professional loan review. In accordance with the requirements of relevant documents, the agency of Qingdao Bank conducts independent loan review based on "five haves and two have-nots", employment absorption and enterprise credit, and determines whether to issue "small and micro loans" and the amount of issuance. In addition to the credit guarantee fund guarantee, the handling institution of Qingdao Bank may require the borrower to add other legal and effective credit enhancement guarantee measures, such as credit enhancement of residual value of real estate mortgage, credit enhancement of patent pledge, credit enhancement of asset mortgage, credit enhancement of corporate customers' credit guarantee, etc. Among them, the total amount of credit extension loans and interest shall not exceed 50% of the total loans.