Re-employment small secured loans refer to the spirit of Zhong Fa [2002] 12 and Gan Fa [2002] 13. In order to help laid-off workers find jobs themselves, start their own businesses and organize themselves for employment, the government has set up a re-employment fund for laid-off workers who are honest and trustworthy, have the ability to work and have the desire to find employment, in view of the practical difficulties of the laid-off workers in the process of starting their own businesses, and it is difficult to obtain bank loans. Loan conditions 1, must have a business license, a fixed business place, and more than 30% of its own funds; Engaged in business projects must comply with relevant state policies and have the ability to repay loans; Having assets recognized by the undertaking bank as collateral, or units or individuals with sufficient compensatory capacity as guarantors; The borrower must open an account in the undertaking bank, with no bad record, and belong to the permanent residence of the neighborhood Committee in the community. 2. To apply for an informal employment labor organization and a re-employment base, you must have an independent legal person qualification, a fixed production and business premises, a certain amount of fixed assets and its own liquidity, and the laid-off workers must account for more than 50% of the total number of employees. The business projects have good market prospects and good expected annualized income and repayment ability. The loan amount is controlled at 40% of the total investment. Generally, it is 50,000 yuan, the highest is 80,000 yuan, and the highest is 65,438+10,000 yuan for college graduates. The term is 2 years, and it will not be extended when it expires. Industries restricted by the state, such as construction, entertainment, real estate sales, land use right transfer, advertising, housing agency, sauna, Internet cafes and oxygen bars, may not apply for small secured loans. Loan process 1. Laid-off workers or partnership entities applying for loans should apply to their neighborhood committees or enterprises with relevant materials, and fill in the Approval Form for Re-employment in Ganzhou City. 2, after verification in line with the loan object and the prescribed conditions, apply to the re employment credit guarantee center. After preliminary examination, the situation is true and reported to the Municipal Re-employment Office. 3. After approval, submit the complete set of materials to the undertaking bank for approval. If the materials pass the examination, the applicant will go directly to the undertaking bank to handle the loan-related procedures. 4. The undertaking bank shall declare its consent according to the relevant loan approval procedures, complete the mortgage registration or pledge payment stop procedures, and issue loans after the guarantor is implemented.

Second, how do unemployed people apply for re-employment?

Laid-off workers (including unemployed people in state-owned and urban collective enterprises before the reform); 2, state-owned, urban assembly; 3. Holder of the Certificate of Minimum Living Guarantee for Urban Residents: 1. The applicant holds his/her ID card, household registration book and the Registration Certificate of Unemployed Workers in Ningbo City (with low urban residents in Ningbo City) to apply to the social security rescue machine in the street (township) where his/her household registration is located, and fill in the "self-employed, street (township)" social security rescue agency should carefully verify the relevant materials of the borrower, understand the applicant's integrity through the community neighborhood committee, and complete the preliminary examination of the borrower's qualification within 3 working days. 3. The management service agencies in each district shall return the materials related to qualification identification to the borrower and indicate to him the loan bank corresponding to each district: Haishu District: Ningbo Commercial Bank jiangdong district: Agricultural Bank Shuguang Branch Jiangbei District: Industrial and Commercial Bank Jiangbei Branch zhenhai district: China Construction Bank Zhenhai Branch Beilun.

3. What subsidies do unemployed people enjoy when they take part in employment?

Registered unemployment refers to urban and rural workers who are of working age, have the ability to work, have employment needs and are unemployed, and have registered unemployment at their domicile, permanent residence, employment place and insurance place. Working age 16 years old or above (inclusive) shall enjoy basic old-age insurance benefits according to law.

The first is the policy of encouraging enterprises (units) to absorb employment.

Enterprises (units) can enjoy vocational training subsidies, one-time employment subsidies, tax relief, business guarantee loans and discount policies.

(1) Vocational training subsidy

If an enterprise (unit) newly recruits registered unemployed persons, signs a labor contract with them for more than 1 year, and participates in enterprise on-the-job skills training by relying on its affiliated training institution or government-recognized training institution within 1 year from the date of signing the labor contract, the employees can enjoy vocational training subsidies according to regulations after obtaining the vocational qualification certificate (or vocational skill grade certificate, special vocational ability certificate and training qualification certificate, the same below).

Small and medium-sized enterprises enjoy vocational training subsidies according to the number of registered unemployed people who are employed and carry out training instead of work. The maximum subsidy period shall not exceed 6 months. The acceptance period of the vocational training subsidy policy of replacing training with work is 65438+February 3, 20201.

(two) a one-time absorption of employment subsidies

Enterprises that employ registered unemployed persons for more than half a year, sign labor contracts for more than 1 year and pay social insurance according to regulations can enjoy one-time employment subsidies (except Beijing and Jiangxi), and the implementation period is from 1 year to 1 year in 2020.

(3) Tax relief

If an enterprise employs people who have been registered as unemployed for more than half a year, zero-employment families and family members who enjoy the minimum living guarantee for urban residents, and sign a labor contract with them for more than 1 year and pay social insurance premiums according to law, the enterprise where they work can deduct the value-added tax, urban maintenance and construction tax, education surcharge, and give local education surcharge and enterprise income tax concessions in turn according to the actual number of employees within three years (36 months) from the month of signing the labor contract and paying social insurance. The quota standard is 6000 yuan per person per year, with a maximum increase of 30%. The people's governments of all provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation in the region, determine specific quota standards within this scope. The implementation period of the policy is 20 19 1 10 to 2021February 3 1.

(four) business guarantee loans and interest subsidies

Small and micro enterprises that meet the requirements for applying for a business start-up guarantee loan can apply for a business start-up guarantee loan when the newly recruited registered unemployed workers reach employees 15% (enterprises with employees 100 or more account for 8%), sign a labor contract with them 1 year or more, and have no record of serious violations of laws and regulations such as unpaid wages and unpaid social insurance premiums, with a loan amount of no more than 3 million yuan. Small and micro enterprises with positive repayment, strong employment promotion ability and good entrepreneurial projects can continue to enjoy the discount on entrepreneurial guarantee loans, and the cumulative number of times is no more than 3 times.

Second, support the skills upgrading policy.

Registered unemployed persons who participate in vocational skills training can enjoy vocational training subsidies and vocational skills appraisal subsidies according to regulations.

(5) Vocational training subsidies

Registered unemployed persons who have obtained vocational qualification certificates after participating in employment skills training and entrepreneurship training can enjoy vocational training subsidies according to regulations.

(six) occupation skill appraisal subsidies

Registered unemployed persons with the same occupation (type of work) and skill level who have passed the initial vocational skill appraisal and obtained the vocational qualification certificate (vocational skill grade certificate and special vocational ability certificate) can enjoy the vocational skill appraisal subsidy according to the regulations. For those who are included in the guidance catalogue of vocational qualifications and vocational skills appraisal in key industries, all localities may appropriately raise the subsidy standard according to the actual situation.

Third, support the policy of self-employment (self-employment)

Registered unemployed people who start their own businesses (self-employed) can enjoy policies such as business guarantee loans and interest subsidies, tax relief, and administrative fee relief.

(seven) business guarantee loans and interest subsidies

Registered unemployed people start their own businesses or start their own businesses in partnership. In addition to student loans, poverty alleviation loans, housing loans, car loans, and small consumer loans of less than 50,000 yuan (including credit card consumption), if my spouse and I have no other loans, they can apply for business guarantee loans. The loan amount does not exceed 200,000 yuan, and the loan period does not exceed 3 years. If you start a business in partnership, you can appropriately increase the loan amount according to the number of partnership entrepreneurs, and the maximum amount shall not exceed 10% of the total amount of qualified individual loans. Borrowers with positive repayment, strong employability and good entrepreneurial projects can continue to enjoy the discount on entrepreneurial guarantee loans, but the cumulative number of times is no more than 3 times.

(8) Tax relief

Persons who have been registered as unemployed for more than half a year, zero-employment families and those who have been registered as unemployed within the working age of families enjoying the minimum living guarantee for urban residents are engaged in self-employment, and the actual value-added tax, urban maintenance and construction tax, education surcharge, local education surcharge and personal income tax can be deducted in turn within three years (36 months) from the month of registration of individual industrial and commercial households. The quota standard is 12000 yuan per household per year, with a maximum increase of 20. The implementation period of the policy is 20 19 1 10 to 2021February 3 1.

(nine) administrative fees.

Registered unemployed persons engaged in self-employment (excluding construction, entertainment, real estate sales, land use right transfer, advertising, housing agency, sauna, Internet cafe and oxygen bar) may be exempted from relevant administrative fees such as management, registration and license within three years from the date of first registration by the industrial and commercial department.

Fourth, the policy of ensuring basic living.

Registered unemployed persons can enjoy unemployment insurance, unemployment allowance, one-time living allowance, temporary living allowance, minimum living guarantee and one-time temporary assistance policy according to the insured situation and the degree of life difficulties.

(10) Unemployment protection

For the unemployed who have paid the insurance premium 1 year, have not stopped employment due to their own wishes, have registered for unemployment and have job requirements, the unemployment insurance premium shall be paid in full and on time. From 20 19 and 12, registered unemployed persons who are unemployed after receiving unemployment insurance benefits and are less than 1 year away from the statutory retirement age can continue to enjoy unemployment insurance benefits until the statutory retirement age.

Unemployed persons who have not been employed after receiving unemployment insurance benefits, as well as insured unemployed persons who do not meet the conditions for receiving unemployment insurance benefits, may apply for receiving unemployment benefits for six months, with the standard not exceeding 80% of the local unemployment insurance benefits. The policy implementation period is from March 2020 to 65438+February.

Unemployed migrant workers recruited by insured units who do not pay fees and work continuously 1 year may apply for a one-time living allowance. Unemployed migrant workers who have been insured for less than 1 year from May 2020 to February 2065 shall enjoy a temporary living allowance of no more than 3 months per month according to the urban minimum living standard of the insured place.

(eleven) the minimum living guarantee

Registered unemployed persons who are unable to go out for work, business or employment, resulting in income decline and basic living difficulties, can apply for inclusion in the minimum living guarantee if they meet the minimum living guarantee conditions. The specific standards are determined by the local civil affairs department.

(twelve) one-time temporary relief funds

Registered unemployed persons who are unable to return to work due to the epidemic, have no source of income for three consecutive months, have difficulties in living and are not covered by unemployment insurance policies and are not included in the minimum living guarantee can apply for one-time temporary assistance. The specific standards are determined by the local civil affairs department.

In addition to the above policies, registered unemployed people can enjoy free recruitment information release, career guidance, career introduction, entrepreneurship guidance, vocational training project recommendation and other services in local public employment service agencies and grassroots service platforms. Eligible registered unemployed persons can apply for recognition as persons with employment difficulties in accordance with regulations and be included in the employment assistance system. If it is really difficult to achieve employment through market channels, you can enjoy public welfare job placement.

4. How do unemployed people apply for re-employment?

1, laid-off workers from state-owned and urban collective enterprises (including unemployed workers who were employees of state-owned and urban collective enterprises before the restructuring); 2, state-owned, urban collective enterprises closed bankruptcy personnel need to be placed; 3, hold the "urban residents minimum living guarantee Jinling evidence" of other unemployed people in cities and towns. The specific application procedure is as follows: 1. The borrower who applies for a loan holds his/her ID card, household registration book and the Registration Certificate of Unemployed Persons in Ningbo (other unemployed persons must also provide the original and photocopy of the Minimum Living Guarantee Certificate for Urban Residents in Ningbo), apply to the social security relief agency in the street (township) where the household registration is located, and fill in the Qualification Confirmation Form for Self-employed Special Lenders. 2, street (township) social security relief agencies should carefully verify the borrower's relevant materials, through the community neighborhood committee to understand the applicant's integrity, and within 3 working days to complete the preliminary examination of the borrower's qualification, reported to the local employment management service agencies. 3. The employment management service agencies in each district shall complete the qualification identification of the borrower within 2 working days, return the relevant materials to the borrower, and indicate the loan banks corresponding to each district. The loan banks corresponding to each district are as follows: Haishu District: Ningbo Commercial Bank jiangdong district: Agricultural Bank Shuguang Branch Jiangbei District: Industrial and Commercial Bank Jiangbei Branch zhenhai district: China Construction Bank Zhenhai Branch Beilun District: Bank of China Beilun Branch.