Notice On Further Improving The Management Of Small Loan Guarantee And Actively Promoting Entrepreneurship And Promoting Employment

中国人民银行 财政部 人力资源和社会保障部关于进一步改进小额担保贷款管理积极推动创业促就业的通知银发〔2008〕238号中国人民银行上海总部，各分行、营业管理部，各省会（首府）城市中心支行，各副省级城市中心支行，各省、自治区、直辖市、计划单列市财政厅（局）、人事厅（局）、劳动保障厅（局），财政部驻各省、自治区、直辖市、计划单列市财政监察专员办事处，各国有商业银行、股份制商业银行、中国邮政储蓄银行：为落实《中华人民共和国就业促进法》和《国务院关于做好促进就业工作的通知》（国发〔2008〕[2008]5号）精神,进一步改进下岗失业人员小额担保贷款（以下简称小额担保贷款）管理，积极推动创业促就业，经国务院同意，现就有关事项通知如下：一、进一步完善小额担保贷款政策，创新小额担保贷款管理模式和服务

The way is to allow small loan interest rates to float in accordance with regulations.

Since January 1, 2008, the loan interest rate of small secured loans operated by financial institutions (hereinafter referred to as financial institutions) can be up to 3 percentage points on the basis of the benchmark lending rate announced by the people's Bank of China.

Among them, the interest rate added to the small profit project is fully borne by the central government. All minor guarantee loans will be executed according to the loan interest rate stipulated in the date of the loan contract if the benchmark interest rate is adjusted during the validity period of the loan contract.

The loan that has been paid and has not yet been paid before the date of promulgation of this notice shall continue to be executed according to the loan interest rate stipulated in the original loan contract.

(two) expand the scope of small secured loan borrowers.

On the basis of the scope of the small loan secured by the current policy, the registered unemployed persons and those with difficulty in employment can meet the prescribed conditions.

The specific conditions for the borrowers of small secured loans are formulated by the provinces (autonomous regions and municipalities directly under the central government).

Among them, the central government will pay interest on the application of small secured loans for small profit projects.

The specific discount rate and method shall be formulated by the Ministry of Finance and relevant departments.

(three) raise the amount of small secured loans.

The maximum amount of new loans issued by financial institutions to individuals is 50 thousand yuan, and the repayment method and the method of interest payment are agreed by both parties.

For those who meet the requirements of partnership and organize employment, financial institutions can appropriately expand the scale of loans.

(four) innovative small loan management mode and service mode.

Encourage qualified areas to actively innovate and explore new models for the management of small loans with local characteristics.

Under the premise of guaranteeing the safety of small secured loans, financial institutions should simplify loan procedures as much as possible, shorten loan approval time, and provide more convenient and efficient financial services for the unemployed.

For borrowers who have good credit records, repay loans on time, and make good use of loans, the banking financial institutions shall actively provide credit support, and give appropriate preferential treatment in respect of credit review, loan interest rate, loan amount and time limit.

Two, improve the management of fiscal discount funds, broaden the channels for the use of discount interest funds, and improve the risk compensation mechanism of the small loan guarantee fund (hereinafter referred to as the guarantee fund).

The provincial financial departments (including the cities under separate planning, the same below) should arrange appropriate funds for the establishment and improvement of the continuous replenishment mechanism of the guarantee fund every year, and continuously improve the compensation ability of the guarantee fund.

The central government takes into consideration the factors such as the growth and compensation status of the guarantee funds in the provincial financial departments, and arranges a certain proportion of funds annually from the discount loan funds of small guarantee loans. It rewards the guarantee fund of provincial finance departments, encourages the guarantee agencies to reduce the threshold of counter guarantee or cancel the counter guarantee.

(two) establish an effective reward and compensation mechanism for small secured loans.

The central finance, according to a certain proportion of the annual new amount of small guarantee loans in the provinces and municipalities, arranges a certain amount of funds from the discount interest funds for small guarantee loans, mainly for the financial institutions, guarantee institutions and credit communities which have outstanding performance in the work of small guarantee loans.

The specific compensation policy and the risk compensation policy of the guarantee fund shall be separately formulated by the Ministry of finance according to the annual payment of small secured loans and the guarantee performance of the guarantee fund.

(three) further improve the management of discount interest funds.

The provincial departments of finance should manage and make good use of the financial discount interest funds of small secured loans, and ensure that the discount interest funds can be appropriated in time and earmarked for special purposes.

The discount loan funds of small secured loans are allocated to the municipal financial departments at various levels.

The municipal financial departments should further simplify audit procedures, strengthen supervision and management, and change the reporting system of loan interest discount from monthly report to quarterly report.

Three, increase support for labor-intensive small businesses, and give full play to its stimulating role in expanding employment.

The number of newly recruited applicants who met the conditions of application for small loan guarantees reached 30% of the total number of employees in the enterprise (more than 100 of the enterprises reached 15%), and the labor-intensive small businesses which had signed 1 years or more of the labor contracts. The financial institutions should reasonably determine the amount of small secured loans according to the actual number of applicants, and the maximum amount should not exceed RMB 2 million yuan, and the loan period should not exceed 2 years.

(two) to handle financial institutions to grant small loans to labor-intensive small businesses that meet the above requirements, the financial departments shall pay interest (50% discount) on the basis of the benchmark lending rate of the people's Bank of China (discount rate is not extended).

The handling fee subsidy and bad debt allowance for financial institutions are still implemented according to current policies.

(three) encourage provincial and provincial financial departments to use the guarantee fund to provide loan guarantee services for labor-intensive small businesses that meet the requirements.

The specific management policies were led by provincial finance departments and reported to the Ministry of Finance for the record.

Four, we should further improve the linkage mechanism of "small loan guarantee + credit community building + entrepreneurship training". (1) all localities should actively rely on the platform of community labor security, further improve entrepreneurship information storage, entrepreneurship training, improve personal credit, strengthen the follow-up management of small loan guarantee loans, and promote the organic linkage of "small loan guarantee + credit community building + entrepreneurship training".

For borrowers who have obtained the certificate of creditworthy community recommendation, participated in entrepreneurship training, completed the business plan and passed the expert's argumentation, and met the conditions of small loan guarantee, we should refine the management, actively push forward the reduction of the threshold of counter guarantee and gradually eliminate the counter guarantee.

Two, earnestly implement the relevant provisions of the notice of the Ministry of labor and social security of the Ministry of finance of the people's Bank of China on improving and improving the policy of small secured loans ([2006]5 [2006]], further refine and strictly enforce the credit community standards and identification methods, strengthen the assessment and management of credit communities, timely summarize the good experience and good practices of creating credit communities, and gradually establish and improve effective incentive and rewards and punishments mechanisms.

The specific assessment indicators and assessment methods are led by provincial finance departments.

Three, the human resources and social security departments, the financial departments and the branches of the people's Bank of China should further closely cooperate with each other, make full use of the joint conference system of local employment, establish a linkage mechanism for the construction of credit communities, and actively improve and improve the "green channel" for small and medium sized loans guaranteed by the "human resources and social security departments' entrepreneurship training - credit community comprehensive personal credit rating - credit community recommendation - handling financial institutions' Loans - regular visits to credit communities".

In addition to this circular, the relevant provisions of the small cap guarantee loan issued by the people's Bank of China, the Ministry of finance, the Ministry of labor and social security have been implemented.

If the policy is inconsistent with this notice, the present Notice shall prevail.

We invite all branches of the PBC to join the local financial and human resources and social security departments to pmit the notice to relevant financial institutions within their respective jurisdictions.

The Ministry of finance of the people's Bank of China, Ministry of finance, human resources and social security, August 4th, two, eight