Increase of the amount of small secured loan object

Xu Xian The government staff to communicate with the successful unemployed people. Our city further enlarges to the independent undertaking the small guarantee loan support strength, expands the personal loan object scope, enhances the personal loan quota, expands the interest discount scope, strengthens the small guarantee loan the fund support.　　　　At the same time, optimize the micro-guarantee loan process, set up after-loan tracking, management services and risk early warning mechanism to effectively control the loan risk. Small guarantee loan scope expands to further improve our city small guarantee loan work, positively promotes the entrepreneurship to promote the employment, our city has redefined the small guarantee loan related policy, has issued "regarding further improvement our city small guarantee loan management positively promotes the entrepreneurship to promote the employment the notice". The scope of personal loans for small secured loans is enlarged, with the city household registration, within the legal working age, a certain capacity to work, honest and trustworthy, independent start-up or partnership to set up enterprises with insufficient funds for the following individuals can apply for small secured loans: registered unemployed persons, graduated 2 years of college and technical school graduates,　　Agricultural transfer to the unemployed, returned students, demobilized veterans, Army families and disabled. The amount of personal loan increases according to the actual situation of the capital needed for starting a business in our city, the amount of small guarantee loan increases greatly. For the first time, when applying for a small secured loan, the amount of personal loan is up to 100,000 yuan, and the partnership is cumulative according to the standard of 100,000 yuan per person who meets the loan terms, but the total amount of loans does not exceed 500,000 yuan. The loan period is 2 years, when the loan expires in 2 years, the borrower will continue to need a small secured loan to support, under the premise that its project runs well, pays the interest on schedule and has the repayment ability, may apply for the loan extension. The period of extension is 1 years, the interest rate of the extended loan is carried out according to the benchmark interest rate.　　At the same time to have obtained a small guarantee loan support and has paid all the principal and interest, its operating projects run well and have the ability to repay the loan, the loan amount is still in accordance with the same standard. Meager profit the first loan of the total discount for our city to further expand the scope of small-secured loans, individuals for the first time to apply for small secured loans and profit-taking projects, by the financial Department of the full amount of interest discount; the second application for small secured loans and to engage in meager profit projects, to give 50% Our city also strengthens the small guarantee loan funds support, consummates the small Guarantee loan guarantee Fund's risk compensation mechanism. According to the actual issue of the recovery of the microfinance loan, the municipal and District finance departments arrange the appropriate proportion of funds each year to establish and perfect the continuous supplementary mechanism of the Guarantee Fund, to improve the compensatory ability of the guarantee Fund and to establish an effective compensation mechanism for the small secured loan.　　The city finance according to the small Guarantee loan annual new amount 2%, arranges the incentive subsidy fund from the Employment Special Fund, mainly uses in the small guarantee loan work outstanding performance the handling financial institution, the guarantee institution, the grassroots Employment Service organization and so on the fund subsidy. Establishing the related counter guarantee mechanism to effectively control the loan risk, establish the counter guarantee mechanism of the small guarantee loan, one is the natural person's counter guarantee way,By 1 or more stable residence, stable occupation and stable income of the city's registered residents to provide credit counter guarantee, the other is the legal person's counter-security, that is, the legal entity to provide credit counter guarantee (in which the registered capital of legal persons is not less than 500,000 yuan). Encourage the business park, Incubation Park, pioneering demonstration base and other parks for the park enterprises and entrepreneurs to provide small guaranteed loans credit counter guarantee.　　　　For the start-up project to run well, the money is used for the use of liquidity loan applications, by the security agencies commissioned by the Loan Project review and recommended by the Expert panel, can be exempted from the loan line 50% Credit counter guarantee. Establish the post-credit tracking and early-warning mechanism our city actively explore suitable for our city's small guarantee loan management model, improve the small guarantee loan approval process. The borrower makes a loan application to the Street Labor Security Institute of the place of registration or operation, and sends it to the managing financial institution after the preliminary examination, and the financial institution shall examine the borrower's credit and project and decide whether or not to issue the loan. A small loan guarantee institution that is required to provide a guarantee shall promptly issue a security opinion in accordance with the needs of the financial institution. At the same time, the establishment of credit tracking, management services and risk early warning mechanism. The guarantee institution and the handling financial institution jointly strengthen the management of the loan usage and production and operation of the borrower from the date of the loan issuance to the loan principal and interest recovery; To establish a regular visit and contact system and provide the necessary guidance and assistance to improve the success rate of the project after the borrower obtains the loan of the small guarantee , the guarantee institution and the handling financial institution set up the risk early warning mechanism, through the loan inspection, carries on the comprehensive analysis to the small guarantee loan support project production management condition and the management situation, early identifies and determines the project risk category, the degree, the reason and the development change tendency. After the loan expires, the guarantee institution and the handling financial institution are jointly responsible for collecting overdue loans from the borrower.　　　　The borrower has bad loan information and is credited to the Shenzhen personal credit system. Providing credit to promote small business employment in order to promote entrepreneurial employment, our city encourages financial institutions to provide credit support for small enterprises and give full play to the multiplier effect of small enterprises ' employment. In line with the industrial policy of our small enterprises, the newly-used in line with the requirements of small security loan application conditions of the company's existing total number of employees 12% (more than 100 enterprises up to 6%), and with its signing more than 1 years of labor contracts for its employment registration procedures, can apply for loan discount. The amount of discount loans for small businesses is no higher than 2 million yuan. To the small enterprises discount on the implementation of "first pay post" approach, according to the PBOC announced the benchmark rate of 50% discount and no more than 5000 yuan direct financing costs subsidy. The loan discount period is 2 years.