The Municipal Bureau of Human Resources and Social Security conscientiously implemented the spirit of the 13th Plenary Session of the 10th Municipal Party Committee and the Economic Work Conference of the Municipal Party Committee, issued the notice of "Luoyang Small Guaranteed Loan Operating Rules (Trial)", adjusted the current small secured loan policy, further relaxed the conditions of small secured loans, further increased the quota, and added financial discount loans. College graduates can also apply for loans in the year of graduation to promote mass entrepreneurship and innovation.

1 fresh graduates can apply for loans at school, and the period for graduates to apply for loans is extended to 5 years.

Yang Zhenfeng, deputy director of the Municipal Bureau of Human Resources and Social Security, said that small secured loans can be divided into four types according to the objects: first, self-employment (individual entrepreneurship), second, partnership operation, third, organization of employment (organization of employment), and fourth, labor-intensive small and medium-sized enterprises (SMEs).

Seven types of self-employed persons

1. Persons who hold employment and unemployment registration certificates, are in the state of self-employment, and were not employed in government agencies, enterprises and institutions when they started their own businesses.

2. Persons who hold the proof of employment difficulties of human resources and social security departments, are in the state of self-employment, and are not employed in organs, enterprises and institutions when starting their own businesses.

3. Land-expropriated farmers who hold land-lost certificates or employment unemployment registration certificates issued by human resources and social security departments.

4. Retired soldiers who hold the Certificate of Discharged Compulsory Soldiers from Active Service or the Certificate of Self-employment for Retired Soldiers in Cities and Towns are in a self-employed state and have not been employed in organs, enterprises and institutions when starting their own businesses; Demobilized cadres who hold demobilized cadres' certificates or retired soldiers' certificates and letters of recommendation issued by self-employment management service institutions, are in the state of self-employment and are not employed in organs, enterprises and institutions when they start their own businesses.

5. College graduates who hold the Certificate of Self-employment of College Graduates, are in the state of self-employment and are not employed in institutions, enterprises and institutions at the time of self-employment; Graduates who hold graduation certificates from ordinary institutions of higher learning, secondary vocational schools and technical schools are in the state of self-employment and have not been employed in enterprises and institutions when they start their own businesses.

6. Ex-prisoners who hold the release certificate of the judicial department and are self-employed.

7. Persons with disabilities who hold disability certificates and are self-employed.

? In view of the small-sum secured loan policy for college students, the municipal people's social department has given strong support. ? Meng Weidong, director of the Employment Promotion Department of the Municipal People's Social Security Bureau, said: On the one hand, we should promptly follow up the national policy of encouraging college students to start businesses and increase the loan policy for college graduates who graduated in the same year. Graduates can apply for loans in the microfinance guarantee center for laid-off workers in the city only by issuing the certificate of self-employment of college graduates at the student office of the university where they are located; On the other hand, the time limit for graduates to apply for small secured loans has been extended from the past two years to the present five years.

A partnership enterprise is an economic entity established by a person who meets one of the above seven conditions and holds a business license and a partnership agreement.

An economic entity that has signed a labor contract 1 year or more to organize employment for those who meet one of the above seven conditions, and the number of employees is not less than 50% of the total number of employees. 1 year is 30% of the total number of newly recruited employees in small and medium-sized enterprises (15% for enterprises with more than 0/00 employees), or the number of newly recruited graduates in ordinary universities, secondary vocational schools and technical schools exceeds15% of the total number of employees (15%)

Personal loans can reach up to 400,000 yuan.

Wang Xianli, director of the Microfinance Center of the Municipal People's Social Security Bureau, said that microfinance is mainly divided into two categories according to the interest burden: one is financial discount loans, and the other is financial non-discount loans that meet the loan conditions but do not meet the discount conditions and are higher than the discount amount.

? This year, new financial interest-free loans were added. Applicants who meet the requirements can apply again with financial interest-free loans. This will greatly increase the loan amount. ? The person in charge said.

For small secured loans supported by financial discount funds, the maximum personal loan amount is 654.38+10,000 yuan. In addition, the maximum loan amount without financial discount is 300,000 yuan.

The maximum loan amount for financial discount funds to support partnership operation and organized employment is 50,000 yuan to 6,543,800 yuan per capita, and the total amount generally does not exceed 2 million yuan; The maximum loan amount without financial interest subsidy does not exceed 300,000 yuan per capita, and the total amount generally does not exceed 3 million yuan.

The maximum loan amount for SMEs supported by financial discount interest funds is 2 million yuan, and the maximum loan amount for SMEs without financial discount interest is 3 million yuan.

Those who repay the loan on time can continue to give loan support.

Wang Xianli said that small secured loans for SMEs that meet the policy requirements will be subsidized at 50% of the benchmark loan interest rate announced by the People's Bank of China for the same period.

Discount loans at the stage of self-employment, loans at the stage of partnership and organization, and loans for small and medium-sized enterprises, all have a maximum term of no more than 2 years. With the expansion of its business scale and the increase of jobs, those who support the success of starting a business through small secured loans and return the small secured loans on time can continue to be supported by small secured loans. For the extended and overdue small secured loans, the financial department will not discount the interest, and the interest rate of the interest-free loans will be implemented according to the interest rate agreed with the handling bank.

;