Female compatriots who have entrepreneurial ideas and meet the requirements can apply for loans from small secured loan financial institutions through local women's federations. Zhangzhou Women's Federation Document Zhangzhou Finance Bureau Zhangzhou Labor and Social Security Bureau China People's Bank Zhangzhou Central Branch Fujian Rural Credit Cooperatives Zhangzhou Office China Postal Savings Bank Zhangzhou Branch Zhang Fu [20 1 1] 19 Implementation Opinions on Further Developing Women's Entrepreneurship in the City Counties (cities, districts) Finance Bureau, Labor and Social Security Bureau, Women's Federation, Counties (cities, districts) sub-branches of the People's Bank of China, rural commercial banks of rural credit cooperatives of counties (cities) and Zhangzhou branch of China Postal Savings Bank: In order to implement the Opinions on Further Developing Women's Entrepreneurship in the Province (Fu Min [20 1658) jointly issued by the Provincial Department of Finance, the Department of Human Resources and Social Security, the Fuzhou Central Sub-branch of the People's Bank of China and the Provincial Women's Federation and the municipal government document (Zhangzhengban), Two. Handling financial institutions (hereinafter referred to as "handling banks") All banking financial institutions in the city can handle this business, mainly the branches of rural credit cooperatives in counties (cities, districts), Zhangzhou Rural Commercial Bank and Zhangzhou Branch of China Postal Savings Bank. The specific handling financial institutions are determined by the counties (cities, districts) with reference to the previous handling financial institutions, and the municipal departments (including Xiangcheng District) are still determined by the Municipal Industrial Bank and Zhangzhou Rural Commercial Bank. Three. Main points of work (1) loan object. Urban and rural women who have certain entrepreneurial ability, entrepreneurial projects, and the ability to bear legal responsibilities independently, and are within the legal working age. (2) loan scope. The state restricts all legal entrepreneurial projects outside the industry. Funds are used for production, operation and social development projects, not for consumption projects. (3) loan amount. The maximum amount of female entrepreneurship is 80,000 yuan; For qualified women engaged in partnership and organized employment, the handling bank can increase the maximum loan amount per capita to 654.38+10,000 yuan. (4) loan term. The loan period is generally not more than 2 years. When the borrower applies for extension, the handling bank agrees to extend it once according to the regulations, and the extension period shall not exceed one year. (5) loan guarantee. Support diversified guarantee methods: (1) financial guarantee fund guarantee (in principle, counter-guarantee is not provided); (2) Providing guarantee by itself (including joint guarantee) and other forms. The handling bank is encouraged to issue credit loans to borrowers on the basis of conforming to the credit principle, and borrowers also enjoy the financial discount policy for small secured loans. (6) Establish a loan guarantee fund. The financial department will deposit the pre-arranged small secured loan guarantee fund in the handling bank, and the handling bank will issue small secured loans with an amount not exceeding 5 times of the guarantee fund. In case of loan loss, it shall be implemented according to the existing relevant regulations. If the borrower fails to repay the loan on time, it shall be implemented according to Article 30 of the Detailed Rules for the Implementation of Small (Guaranteed) Loans in Fujian Province (Yin Fu [2006] No.87), and the financial department shall sign an agreement with the handling bank, and the guarantee fund shall be directly deposited in the handling bank to provide guarantee for the issuance of small secured loans, and the handling bank shall share 20% of the losses. For handling banks with a recovery rate of over 90% of small secured loans, the financial department shall give a handling fee subsidy of not less than 0.5% according to the actual amount of small secured loans recovered in the current year, of which: the provincial financial burden is 0.25% and the county and city financial burden is 0.25%. (seven) loan interest rates and discounts. The loan guaranteed by the financial guarantee fund, the loan interest rate is determined within 3 percentage points (inclusive) on the basis of the benchmark loan interest rate announced by the People's Bank of China, and is fully subsidized by the finance. For the credit loans and guarantees (including joint guarantee) provided by the borrower, the loan interest rate shall be determined according to commercial principles, and the financial interest shall rise within 3 percentage points (inclusive) on the basis of the benchmark loan interest rate published by the People's Bank of China for the same period. Any form of female entrepreneurship will not be subsidized if it is postponed or overdue. If the benchmark interest rate is adjusted during the validity period of the loan contract, the loan interest rate agreed on the date of signing the loan contract shall prevail. Four. Loan Procedure (1) Loan application and recommendation. Urban and rural women apply for loans to the county or township women's federations where their registered permanent residence is located on a voluntary basis, and fill out the Application Form for Women's Entrepreneurship in Fujian Province (Annex). Women's federations at the county and township levels should investigate loan applicants, understand their production and living conditions, evaluate their loan demand and credit status, issue loan recommendation audit opinions according to the principle of prudence, and the handling bank can complete the loan investigation on this basis. (2) the principle of loan priority. When granting women entrepreneurship, they can conduct batch surveys and loans, give priority to characteristics and industrial scale, "women's demonstration village", "credit village" and "credit woman", give priority to leading enterprises, give priority to industrial chain, give priority to standardized management and good reputation, give priority to government support and good financial environment, give priority to the promotion of the whole village (town) and give priority to women's villages. (3) Review of loan application. County (city, district) women's federations shall review and summarize the application forms for women's entrepreneurship reported by township (street) women's federations, and report them to the county-level labor and social security department for review and seal. (four) loan approval and issuance. The handling bank shall examine and confirm the application materials submitted by the Women's Federation and examined and sealed by the labor and social security department, sign loan contracts with qualified applicants and issue loans. (5) Pre-extraction and settlement of discounted funds. The county women's Federation and the county labor and social security department should report the loan amount of the next quarter to the finance department at the same level for approval before the end of each quarter 10 day, and the finance department will pre-allocate the discount interest funds of the next quarter to the handling bank before the end of each quarter. V. Award Fund and Working Funds (1) Award Fund. If the recovery rate of women's entrepreneurship (the recovery rate of small secured loans in the current year = the actual recovery amount of loans due in the current year/the total amount of loans due in the current year × 100%) reaches 95% (inclusive), the financial department will reward the Women's Federation at not less than 0.5% of the payment amount to subsidize the women's work funds of the unit. (two) women's organizations work funds. The financial department should provide financial support for the work of local women's federations, make effective use of their organizational advantages, publicity advantages and carrier advantages, implement women's entrepreneurship policies, and promote women's entrepreneurship and employment. Organization and implementation of intransitive verbs (1) Establishment mechanism. Strengthen cooperation and cooperate closely. Municipal Women's Federation, Municipal Finance Bureau, Municipal Labor and Social Security Bureau, Zhangzhou Central Branch of China People's Bank, Zhangzhou Branch of Fujian Rural Credit Cooperative Association and Zhangzhou Branch of China Postal Savings Bank hold at least one joint meeting every quarter to report the situation.

Second, how to handle the female entrepreneurship loan in Zhangzhou, Fujian?

Female compatriots who have entrepreneurial ideas and meet the requirements can apply for loans from small secured loan financial institutions through local women's federations.

Zhangzhou Women's Federation Document

Zhangzhou bureau of finance

Zhangzhou labor and social security bureau

China people's bank Zhangzhou central branch

Fujian province rural credit union Zhangzhou office

Postal savings bank of China Zhangzhou branch

Zhang Fu [20 1 1]No. 19

On the further development of the city

Opinions on the implementation of women's entrepreneurship

Counties (cities, districts) Finance Bureau, Labor and Social Security Bureau, Women's Federation, county (city, district) branches of the People's Bank of China, county (city, district) rural credit cooperatives, rural commercial banks and China Postal Savings Bank Zhangzhou Branch:

In order to implement the spirit of the documents issued by the Provincial Department of Finance, the Department of Human Resources and Social Security, the Fuzhou Central Sub-branch of the People's Bank of China, the Provincial Women's Federation (Fu Min [201] No.8) and the municipal government (Zhangzhengban [201] No.52),

I. Scope of business

Zhangzhou city is under full jurisdiction.

Two. Handling financial institutions (hereinafter referred to as "handling banks")

All banking financial institutions in the city can handle this business, mainly including branches of rural credit cooperatives in counties (cities, districts), Zhangzhou Rural Commercial Bank and Zhangzhou Branch of China Postal Savings Bank. The specific handling financial institutions are determined by the counties (cities, districts) with reference to the previous handling financial institutions, and the municipal departments (including xiangcheng district) are still determined by Industrial Bank and Zhangzhou Rural Commercial Bank.

Third, the main points of work

(a) the loan object. Urban and rural women who have certain entrepreneurial ability, entrepreneurial projects, and the ability to bear legal responsibilities independently, and are within the legal working age.

(2) loan scope. The state restricts all legal entrepreneurial projects outside the industry. Funds are used for production, operation and social development projects, not for consumption projects.

(3) loan amount. The maximum amount of female entrepreneurship is 80,000 yuan; For qualified women engaged in partnership and organized employment, the handling bank can increase the maximum loan amount per capita to 654.38+10,000 yuan.

(4) loan term. The loan period is generally not more than 2 years. When the borrower applies for extension, the handling bank agrees to extend it once according to the regulations, and the extension period shall not exceed one year.

(5) loan guarantee. Support diversified guarantee methods: (1) financial guarantee fund guarantee (in principle, no counter guarantee is provided); (2) Providing guarantee by itself (including joint guarantee) and other forms. The handling bank is encouraged to issue credit loans to borrowers on the basis of conforming to the credit principle, and borrowers also enjoy the financial discount policy for small secured loans.

(6) Establish a loan guarantee fund. The financial department will deposit the pre-arranged small secured loan guarantee fund in the handling bank, and the handling bank will issue small secured loans with an amount not exceeding 5 times of the guarantee fund. In case of loan loss, it shall be implemented according to the existing relevant regulations.

If the borrower fails to repay the loan on time, it shall be implemented according to Article 30 of the Detailed Rules for the Implementation of Small (Guaranteed) Loans in Fujian Province (Yin Fu [2006] No.87), and the financial department shall sign an agreement with the handling bank, and the guarantee fund shall be directly deposited in the handling bank to provide guarantee for the issuance of small secured loans, and the handling bank shall share 20% of the losses.

For handling banks with a recovery rate of over 90% of small secured loans, the financial department shall give a handling fee subsidy of not less than 0.5% according to the actual amount of small secured loans recovered in the current year, of which: the provincial financial burden is 0.25% and the county and city financial burden is 0.25%.

(seven) loan interest rates and discounts. The loan guaranteed by the financial guarantee fund, the loan interest rate is determined within 3 percentage points (inclusive) on the basis of the benchmark loan interest rate announced by the People's Bank of China, and is fully subsidized by the finance. For the credit loans and guarantees (including joint guarantee) provided by the borrower, the loan interest rate shall be determined according to commercial principles, and the financial interest shall rise within 3 percentage points (inclusive) on the basis of the benchmark loan interest rate published by the People's Bank of China for the same period. Any form of female entrepreneurship will not be subsidized if it is postponed or overdue. If the benchmark interest rate is adjusted during the validity period of the loan contract, the loan interest rate agreed on the date of signing the loan contract shall prevail.

Fourth, the loan procedure.

(1) Loan application and recommendation. Urban and rural women apply for loans to the county or township women's federations where their registered permanent residence is located on a voluntary basis, and fill out the Application Form for Women's Entrepreneurship in Fujian Province (Annex). Women's federations at the county and township levels should investigate loan applicants, understand their production and living conditions, evaluate their loan demand and credit status, issue loan recommendation audit opinions according to the principle of prudence, and the handling bank can complete the loan investigation on this basis.

(2) the principle of loan priority. When granting women entrepreneurship, they can conduct batch surveys and loans, give priority to characteristics and industrial scale, "women's demonstration village", "credit village" and "credit woman", give priority to leading enterprises, give priority to industrial chain, give priority to standardized management and good reputation, give priority to government support and good financial environment, give priority to the promotion of the whole village (town) and give priority to women's villages.

(3) Review of loan application. County (city, district) women's federations shall review and summarize the application forms for women's entrepreneurship reported by township (street) women's federations, and report them to the county-level labor and social security department for review and seal.

(four) loan approval and issuance. The handling bank shall examine and confirm the application materials submitted by the Women's Federation and examined and sealed by the labor and social security department, sign loan contracts with qualified applicants and issue loans.

(5) Pre-extraction and settlement of discounted funds. The county women's Federation and the county labor and social security department should report the loan amount of the next quarter to the finance department at the same level for approval before the end of each quarter 10 day, and the finance department will pre-allocate the discount interest funds of the next quarter to the handling bank before the end of each quarter.

Verb (abbreviation of verb) reward fund and work fund

(1) bonus funds. If the recovery rate of women's entrepreneurship (the recovery rate of small secured loans in the current year = the actual recovery amount of loans due in the current year/the total amount of loans due in the current year × 100%) reaches 95% (inclusive), the financial department will reward the Women's Federation at not less than 0.5% of the payment amount to subsidize the women's work funds of the unit.

(two) women's organizations work funds. The financial department should provide financial support for the work of local women's federations, make effective use of their organizational advantages, publicity advantages and carrier advantages, implement women's entrepreneurship policies, and promote women's entrepreneurship and employment.

Organization and implementation of intransitive verbs

(1) establishment mechanism. Strengthen cooperation and cooperate closely. Municipal Women's Federation, Municipal Finance Bureau, Municipal Labor and Social Security Bureau, Zhangzhou Central Sub-branch of China People's Bank, Zhangzhou Office of Fujian Rural Credit Cooperative Association, and Zhangzhou Branch of China Postal Savings Bank hold at least one joint meeting every quarter to inform the situation and solve problems in time. Relevant departments of counties (cities, districts) should actively seek the support of local party committees and governments, strengthen leadership, establish a linkage mechanism for women's entrepreneurship, strengthen departmental communication and cooperation, hold joint meetings regularly and irregularly, ask for instructions from party committees and governments, strengthen tracking and monitoring of women's entrepreneurship, effectively solve practical problems, and provide quality services for women who have obtained loans.

(2) The responsibilities of all parties.

Organizational responsibilities of women's Federation: responsible for overall coordination of work. We should give full play to the advantages of being close to the grassroots, women and families, do a good job in the investigation, recommendation and service of women's applications, guide women to complete loan applications, track the implementation of projects, and actively help women who undertake loans to solve the difficulties encountered in the process of starting a business. Assist the handling bank to do a good job in loan recovery, and cooperate with relevant departments to carry out policy propaganda, business training and other services.

Responsibilities of Ministry of Human Resources and Social Security: Responsible for examining and stamping the application forms for women's loans recommended by the Women's Federation, providing services such as business consultation and training, and actively exploring the linkage mechanism of relevant departments in promoting women's entrepreneurship and employment.

Responsibilities of Finance Department: Responsible for reviewing and pre-allocating discount funds, and implementing incentive funds and working funds of Women's Federation. Strengthen supervision and management to ensure the smooth progress of women's entrepreneurship.

Responsibilities of the People's Bank of China: Responsible for guiding the "window" of credit policy and cooperating with women's federations to promote women's entrepreneurship.

Responsibilities of the handling bank: reasonably arrange special credit funds to ensure that eligible borrowers can get credit support in time; Simplify women's entrepreneurial procedures and shorten the time for loan approval; Set up a separate business account for women's entrepreneurship, and accept the supervision and inspection of relevant departments; Actively cooperate with relevant departments to carry out publicity and promotion of women's entrepreneurship.

(3) extensive publicity. All localities should adopt various ways to vigorously carry out social propaganda, so that women can fully understand relevant policies and regulations and actively use entrepreneurship and employment. We should conscientiously sum up the highlights and innovative work, establish advanced models, and timely submit the summary and advanced typical materials to the relevant municipal departments.

Attachment: 1, Zhangzhou Female Entrepreneurship Application Form

2, 20 1 1 female entrepreneurship quota allocation table

Zhangzhou Women's Federation Zhangzhou Bureau of Finance

Zhangzhou Labor and Social Security Bureau China People's Bank Zhangzhou Central Branch

Fujian province rural credit cooperative union Zhangzhou office China Postal Savings Bank Zhangzhou branch

20 1 1 year April 1 1 day

Keywords: entrepreneurial women's point of view

Zhangzhou Women's Federation Office 20 1 1 April11Seal.

(* * * 400 copies)

Attachment 1:

Application Form for Women's Entrepreneurship in Zhangzhou City

applicant

Name, gender, age and nationality telephone number

Name of head of household

ID number (household registration) Family population: people,

In which: loan amount of laborers (yuan) and loan period (year)

Identification address

The intended use of the loan

Guarantee method □ Joint guarantee □ Credit guarantee □ Natural person guarantee □ Legal person guarantee □

Mortgage □ Pledge □ Other methods (please specify): □ Guarantor:

Signature (seal) of the applicant: signature (seal) of the head of household:

Date, year and month

Township (town,

Street)

Opinions of women's Federation

Stamps:

Signature of Chairman:

Date, year and month

Opinions of county-level women's Federation

Stamps:

Signature of Chairman:

Date, year and month

Opinions of county-level labor department

Stamps:

Signature of person in charge:

Date, year and month

Opinions of the handling bank

Stamps:

Date, year and month

Attachment 2:

Female entrepreneurship 20 1 1

Quota allocation list

Remarks on the amount of counties (cities, districts) (ten thousand yuan)

Xiangcheng district 600

Longwen district 1000

Longhai 5000

Zhangpu county 5000

Xiao Yun county 3000

Dongshan county 900

Zhaoan county 3500

Nanjing county 3000

Pinghe county 1000

Hua 'an County 1000

Changtai county 600

The total is 24600

Third, how to apply for a business start-up loan from the Women's Federation?

The applicant for enterprise credit business shall meet the following conditions: 1, which is in line with the national industry and industry policies and does not belong to small enterprises with high pollution and high energy consumption. 2. The enterprise has a good reputation in various commercial banks and has no bad credit record. 3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection. 4. It has the necessary organizational structure, management system and financial management system, has a fixed business place, operates legally, and the products have market and benefits. 5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors. 6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record. 7. The enterprise operates steadily, and its establishment period is in principle more than 2 years (inclusive), and it has at least one or more financial reports for one fiscal year, and its sales revenue growth and gross profit are positive for two consecutive years. 8. Abide by the credit policy of China Construction Bank for small businesses. 9. Comply with national financial regulations and policies and relevant bank regulations. 10. Open a basic settlement account or a general settlement account in this bank. Steps: Submit the loan application-submit the guarantee-submit the accounting statements for the last three years-fill in the loan related forms and assist the bank to complete the customer evaluation report.

4. What conditions do foreigners need to buy a house in Zhangzhou?

First, the conditions for foreigners to buy a house are:

1. Non-local households who can provide tax payment certificates or social insurance payment certificates for more than 1 year are limited to buying 1 apartment in lunan district, lubei district and high-tech industrial development zones (the above-mentioned houses include newly-built commercial housing and second-hand housing).

2. Non-local households with houses of 1 set or more, and those with non-local households who cannot provide tax payment certificates or social insurance payment certificates for more than 1 year, shall suspend the sale of their houses within the above range.

2. What are the policies for buying a house in Zhangzhou?

1. For the paid employee families who have no housing and loan records, if they use the housing provident fund loan to purchase the first ordinary self-occupied house, the down payment ratio shall not be less than 30%; If the housing provident fund is used to purchase a second house, the down payment ratio shall not be less than 60%; For the purchase of third and above houses, the housing provident fund management department shall not issue provident fund personal housing loans to them.

2. For households who purchase the first home and apply for commercial personal housing loans, the down payment ratio shall not be less than 30%; For households with 1 apartment, the down payment ratio should be no less than 40% in order to apply for commercial personal housing loans to improve their living conditions; Commercial personal housing loans will be suspended for households that purchase third or above houses.