Chapter I General Provisions

Article 1 In order to conscientiously implement the spirit of the Notice of the State Council City, the Central Committee of the Communist Party of China on Further Improving the Re-employment of Laid-off Workers, and do a good job in small secured loans for laid-off workers, According to the Notice of the People's Bank of China, the Ministry of Finance, the State Economic and Trade Commission and the Ministry of Labor and Social Security on Printing and Distributing (Yinfa [2003] No.394), the Notice of the Ministry of Finance and the Ministry of Labor and Social Security on Issues Concerning the Management of Funds for Promoting the Re-employment of Laid-off Workers (Caishe [2002]107) and Xi 'an Sub-branch of the People's Bank of China, Shaanxi Provincial Department of Finance and Shaanxi Provincial Labor and Social Security Bureau.

Article 2 Small secured loans for laid-off workers refer to loans that laid-off workers apply to commercial banks for self-employment, self-employment or partnership operation, and the guarantee institutions promise to guarantee.

Chapter II Loan Management

Article 3 Small secured loans for laid-off workers (hereinafter referred to as loans) belong to commercial loans and shall be included in the normal loan management of commercial banks.

Article 4 Loan target: Laid-off and unemployed persons (hereinafter referred to as borrowers) with registered permanent residence in Xi municipal area, under the age of 60, honest and trustworthy, and with certain labor skills and entrepreneurial ability.

Article 5 Purpose of the loan: the start-up capital or working capital required by the borrower for independent business or partnership.

Article 6 A borrower applying for a small loan shall meet the following conditions:

1, holding the Re-employment Concession Certificate issued by the labor and social security department;

2. Have certain self-owned funds (self-owned funds should not be less than 30% of the funds needed for project operation).

3, there are loan projects and feasibility analysis and implementation plan;

4, participated in entrepreneurship training and have the corresponding business ability to implement the project;

5, personal reputation, no bad credit records or other illegal acts;

6. Having a fixed business place.

Article 7 Loan method: Guarantee method is adopted, and the borrower's application, guarantee institution's guarantee and one-time payment are implemented.

Article 8 Loan amount and term: The loan amount is generally 20,000 yuan, and the term shall not exceed two years at the longest. If it is really necessary to continue to use the loan at maturity, the borrower shall apply for extension in advance. After the guarantee institution agrees to continue to provide the guarantee, the commercial bank may extend it once according to the regulations, and the extension period shall not exceed one year.

Article 9 The loan interest rate shall be determined according to the interest rate policy of the People's Bank of China and the loan interest rate level of the same grade in the same period, and shall not go up. For projects with low profit and guaranteed capital, you can apply to the central government for discount. Microfinance extension is no longer discounted.

Article 10 repayment method; By adopting a flexible way, the interest can be paid off together with the principal, or repaid in installments or in advance. The specific method shall be agreed by the lending bank and the borrower and included in the contract. If the loan principal and interest are repaid in advance, interest will be charged according to the actual use time of the interest rate agreed in the contract; If the principal and interest of small loans cannot be repaid on schedule, the loan bank may collect penalty interest according to the regulations.

Article 11 After obtaining a loan, the borrower shall perform the following obligations:

1. Be honest and trustworthy, strictly fulfill the agreed obligations, and consciously accept the post-loan management and financial supervision of loan banks and guarantee institutions to ensure the rational use of loans;

2, the use of loans to increase employment, should give priority to absorb local laid-off workers:

3. According to the repayment plan signed with the loan bank, repay the principal and interest in time and obtain a good credit record.

Twelfth loan banks and guarantee institutions shall bear the same responsibility for the recovery of loans. Loan banks and guarantee banks should pay off the principal and interest of loans in accordance with the loan management measures to ensure the safe recovery of small loans. When the non-performing rate of small secured loans reaches 20%, the lending bank should stop issuing new loans. After reducing the non-performing loan ratio through subrogation of the guarantee fund, the loan application can be resumed. For the bad debts that can't be recovered after being issued and collected in accordance with the relevant operating procedures for loans, the lending bank shall timely summarize and hand over the relevant procedures to the guarantee institution. The period from the maturity of the loan to the performance of subrogation liability by the guarantee institution shall not exceed three months, during which the quality evaluation of small secured loans shall not be included in the non-performing loan evaluation system of commercial banks. After subrogation by guarantee institutions, as creditors, microfinance banks should actively assist and cooperate.

All commercial banks should determine the person responsible for the statistics of small secured loans for laid-off workers and the reconciliation work of relevant departments, and feedback the loan situation to relevant departments in a timely manner.

Chapter III Loan Procedures

Article 13 loan procedures: the borrower applies, the township street labor security office recommends, the labor security department reviews, the loan guarantee institution reviews and promises to guarantee, and the designated commercial bank verifies the loan.

Article 14 A borrower shall provide the following materials when applying for a loan:

1, "Xi laid-off workers small secured loan application review form" (hereinafter referred to as the application form, see attached table 1) in quadruplicate;

2, "Xi laid-off workers microfinance applicants basic information registration form" (hereinafter referred to as the registration form, see table 2) in triplicate;

3. The original and photocopy of the graduation certificate obtained by participating in the entrepreneurship training;

4. The borrower's ID card and its copy;

5. The original and photocopy of the Borrower's "Re-employment Concessions";

6. The original and photocopy of the property right certificate or lease contract of the business place;

7. Project feasibility analysis and implementation plan.

Fifteenth borrowers to apply for a small secured loan must register and verify the situation in the street township labor security office and sign the "Application Form", and the borrower shall report to the city employment center. Without the establishment of the township street labor and social security office, the labor and social security department of the county (District) where it is located is responsible for preliminary verification and signing opinions.

After receiving the borrower's application, the street township labor security office or the county (district) labor security department shall complete the preliminary verification of the borrower's credit status, self-owned funds and other basic information within 3 working days. And give the borrower a clear answer. If you don't agree, explain the situation.

Article 16 The borrower's loan application shall be uniformly examined and approved by the municipal labor and social security department. After receiving the loan application, the city employment service center shall verify the situation in time, and make a clear answer to the borrower's small loan application within 5 working days and determine whether it belongs to a low-profit project. Do not agree, to explain the situation; To agree to reduce the projects identified as meager profits, comments should be endorsed in the corresponding columns of the Application Form and reported to the Municipal Labor and Social Security Bureau for approval.

The borrower will submit the application materials to Xi 'an Economic and Technological Investment Guarantee Co., Ltd. (hereinafter referred to as An Insurance Company) for review and approval by the Municipal Labor and Social Security Bureau.

Article 17 After receiving the borrower's application materials, the western insurance company shall complete the investigation and evaluation of the micro-loan project within 10 working days, and give the borrower a reply on whether to commit to the guarantee. If it does not meet the guarantee conditions, it shall return the application materials to the borrower in time and explain the situation; Those who meet the requirements shall sign a guarantee agreement with the borrower in time, and the specific contents of the agreement shall be drawn up by the western insurance company. The borrower himself holds the "Application Form" signed by the guarantee institution to handle the loan formalities at the commercial bank that provides the loan. The "Application Form" endorsed by the guarantee institution serves as the certificate that the guarantee bank issues a commitment guarantee to the loan handling bank.

Article 18 After receiving the loan application materials, a commercial bank shall complete the investigation and review of the project applying for small loans within 15 working days, and fill in the comments in the bank review column of the application form. Eligible, should sign a loan contract with the borrower and timely lending, commercial banks should feedback the application form and lending situation to the western insurance company and the municipal employment service center within 5 working days.

Chapter IV Guarantee Institutions and Discount Funds

Nineteenth Xi 'an laid-off workers microfinance guarantee business, by Xi 'an Economic and Technological Investment Guarantee Co., Ltd. specific implementation.

Article 20 The western insurance company shall accept the supervision and inspection of the financial and labor security departments on the use direction of the small-sum secured loan guarantee fund, the audit of the audit department and the supervision of all sectors of society.

Article 21 The Municipal Finance Bureau shall pay 1% of the loan principal to the western insurance company. The guarantee fee shall be settled once every quarter as the working capital of the loan guarantee institution. The guarantee fee for laid-off workers of central and provincial enterprises shall be reported to the Municipal Finance Bureau after statistics by the Western Insurance Company, and shall be submitted to the provincial finance after examination by the Municipal Finance Bureau, and shall be borne by the central and provincial finance.

Article 22 The procedures for commercial banks to apply for interest subsidies for small loans shall be implemented in accordance with the Notice of the Ministry of Finance and the Ministry of Labor and Social Security on Issues Concerning the Management of Funds for Promoting the Re-employment of Laid-off Workers (Caishe [2002] 107).

Chapter V Management of Guarantee Funds

Article 23 The guarantee fund of small-sum secured loans for laid-off workers in the city refers to the guarantee fund raised and closed for operation by the city, district (county) according to the needs of re-employment work, which is specially used for laid-off workers to apply for small loans from commercial banks, with unified management and special fund, and shall not be used for other purposes, and entrusted to an economic and technological investment guarantee company for operation.

Twenty-fourth western insurance companies are responsible for the management of small loan guarantee funds, and the balance of their secured loans shall not exceed 5 times of the fund balance. The disbursement of the guarantee fund, in accordance with the principle of earmarking, is limited to repaying the overdue loan principal and interest of laid-off workers.

The balance of the security fund should be transferred to the next year to continue to use, and shall not be changed.

Twenty-fifth western insurance companies and loan banks should establish a regular reconciliation system, check the loan amount regularly, and report the compensation situation to the Municipal Finance Bureau in a timely manner.

Chapter VI Supplementary Provisions

Twenty-sixth banks should set up a separate account of small secured loans for laid-off workers, make separate statistics, and report the statistics table of small secured loans for laid-off workers to the People's Bank on a quarterly basis (see Table 3). If the borrower repays the principal and interest on schedule or in advance, the loan bank shall attach a separate list and notify the western insurance company and the municipal employment service center in writing in time, so that the western insurance company can cancel the guarantee in time. The People's Bank of China, finance and labor and social security departments will assess this business on a quarterly basis, and commend the handling banks and personnel of commercial banks that actively and conscientiously manage loans.

Twenty-seventh western insurance companies shall, in accordance with the requirements of the accounting statement system, prepare monthly, quarterly and annual statements in a timely manner, and submit them to the finance, labor and social security departments at the same level and the guarantee institutions at higher levels.

Twenty-eighth approach by the people's Bank of China Xi 'an branch business management department, the Municipal Finance Bureau, the Municipal Labor and Social Security Bureau is responsible for the interpretation of.

Twenty-ninth the implementation since June 6, 2003.