Zhangzhou City Rural Youth Entrepreneurship Loan Implementation Rules
Chapter 1 General Provisions
Article 1 is to support rural youth entrepreneurship and employment. In order to meet the needs of production and operation and effectively prevent and control loan risks, these implementation rules are specially formulated in accordance with the "Implementation Opinions of Rural Youth Entrepreneurship Loans in Zhangzhou City (Trial)" (Tuanzhang Committee Lian [2014] No. 1) and the actual situation of Xiangcheng District.
Article 2 In accordance with the principles of “voluntary application, recommendation by the league organization, independent review and approval, and on-time repayment of principal and interest”, it is necessary to ensure that eligible youth loan objects and projects receive timely support and assistance, and Ensure the safety and normal turnover of credit funds.
Article 3 The term "rural youth entrepreneurship loans" as mentioned in these Measures refers to the loans that Zhangzhou Rural Commercial Bank provides to rural youths recommended by the Youth League Organization of Xiangcheng District for employment and entrepreneurship, and for migrant workers to return to their hometowns to start their own businesses.
Chapter 2 Loan Objects, Conditions, Amount and Term
Article 4 Loan Objects and Conditions
1. Aged between 18 and 40 years old, with Rural youth registered in Xiangcheng District with full capacity for civil conduct;
2. The business project complies with the national industrial policy, has an entrepreneurial project and entrepreneurial ability, or has a legitimate occupation and stable economic income, and has the ability to repay the principal and interest of the loan on schedule Ability;
3. Abide by laws and regulations, be honest and trustworthy, and have no major bad credit records;
4. The purpose of the loan is legal and clear;
5. Xiangcheng Other conditions required by the Youth League Committee and Zhangzhou Rural Commercial Bank.
Article 5 Loan Quota. Reasonable determination will be made based on factors such as the borrower's production and operation status, debt repayment ability, demand for loan funds, credit status, guarantee method, etc. Among them, if it is handled in the form of guarantee, the maximum amount shall not exceed 1 million yuan. Financial discount loans shall be subject to relevant policies.
Article 6 The credit period of a loan generally does not exceed 3 years. The principal can be repaid in one lump sum with monthly interest, or the principal and interest can be repaid in monthly (quarterly) installments.
Chapter 3 Loan Processing Procedures
Article 7 Rural Youth Entrepreneurship Loans shall be handled according to the following procedures: rural entrepreneurial youth submit loan application → preliminary review and recommendation by the Youth League organization → bank credit approval and issuance →Loan recovery→Comprehensive evaluation.
(1) Recommendation by Youth League organizations
1. House-to-house application for recommendation
Qualified rural youth fill out the "Zhangzhou Xiangcheng District Rural Youth Entrepreneurship Loan Recommendation Form" 》, apply for a loan on a voluntary basis to the Youth League organization at the place of household registration or permanent residence. The Youth League organization will conduct a preliminary review on whether the borrower meets the conditions, and the Youth League District Committee will recommend it to Zhangzhou Rural Commercial Bank.
If it is a fiscal discount policy loan, the Youth League Committee must also make recommendations and submit them to the county-level human resources and social security department for review.
2. Batch application for recommendation
Qualified rural youth fill in the "Zhangzhou Xiangcheng District Rural Youth Entrepreneurship Loan Recommendation Form". The Youth League organization will combine the local conditions to provide qualified rural youth with Centralized and batch applications are made according to administrative villages and towns (professional markets, streets, and communities). The Youth League organization fills out the "Batch Recommendation Form for Rural Youth Entrepreneurship Loans in Xiangcheng District, Zhangzhou City". After preliminary review, the district Youth League Committee recommends it to Zhangzhou Rural Commercial Bank.
(2) Bank approval and release
After receiving the loan application recommended by the Youth League Committee, the Zhangzhou Rural Commercial Bank business department will promptly allocate it to the branch based on the principle of proximity, and the handling branch will follow the loan application Handle relevant procedures. According to the borrower's application quota, the account manager can conduct door-to-door investigation and approval, or batch investigation and approval. After approval, Zhangzhou Rural Commercial Bank signs a loan contract with the borrower and issues the loan. If you disagree, inform the applicant promptly and explain the reasons.
(3) Regular communication and comprehensive evaluation
The Youth League Organization and Zhangzhou Rural Commercial Bank adhere to the principle of full trust, commit to long-term and stable cooperation, and strengthen communication between functional departments. , establish a liaison system, regularly communicate and evaluate the development of entrepreneurial loans for rural youth, and effectively enhance the ability of rural youth to start a business, find employment, increase income and become rich.
Article 8 Information required for rural youth entrepreneurial loans
1. Borrower’s ID card, household registration book, marriage certificate;
2. Business projects Valid certification materials or certification materials for consumption purposes, such as individual industrial and commercial households, sole proprietorships, partnerships, and legal person enterprises must provide business licenses, etc. Special industries must also have special industry production and operation licenses; original copies of legal and valid business licenses and a copy;
3. If there is a commendation certificate at or above the county level, the original and copy of the certificate must also be provided.
4. Other relevant information that the handling bank deems necessary.
Chapter 4 Preferential Measures
Article 9 Simplify loan procedures. Rural Youth Entrepreneurship Loans adopt the management method of "once approved, loaned as needed, balance controlled, and recycled". Once the loan limit is approved, according to the borrower's actual demand for the loan, the borrower can go to Zhangzhou Rural Commercial Bank outlets at any time to apply within the approved limit. of loans.
Article 10: Implement preferential loan interest rates. All rural youth entrepreneurship loans recommended by the Economic League organizations can enjoy the preferential policy of Zhangzhou Rural Commercial Bank, which reduces the interest rate of similar loans of the same term and grade by 10%; all rural youth who have been commended at the county level or above can enjoy the preferential policy of 15% reduction in loan interest rate.
Article 11 Priority in loan arrangement. Zhangzhou Rural Commercial Bank arranges special funds for rural youth entrepreneurial loans every year, giving priority to rural youth entrepreneurial loans to ensure that the loan needs of rural youth are met.
Article 12: Zero charges. Entrepreneurship loans for rural youth are exempted from handling fees, production fees, mortgage registration fees, etc., and the loan business is zero-charge.
Article 13 Rural youth entrepreneurial loans are used for entrepreneurial production and operation projects, and urban and rural youths who meet the current applicant conditions for small fiscal interest discount guaranteed loans will enjoy the fiscal interest discount policy in accordance with regulations.
Chapter 5 Cooperative Management
Article 14 The Youth League organization should give full play to its advantages of being close to the grassroots and the masses, increase the training of entrepreneurial and employed young people, and improve the entrepreneurial loan policy. Promote, explain, and provide borrower registration, preliminary review, and recommendation services.
Article 15 The Youth League organization must cooperate with Zhangzhou Rural Commercial Bank in pre-loan services, loan management and post-loan verification, and report problems to the bank in a timely manner.
Article 16 The Youth League organization should strongly recommend and use various financial products and services of Zhangzhou Rural Commercial Bank, and coordinate the fund accounts in the system and funds related to youth entrepreneurship loans to settle in Zhangzhou Rural Commercial Bank.
Article 17 Zhangzhou Rural Commercial Bank provides comprehensive, efficient and high-quality financial services to Youth League organizations and rural youth through measures such as the linkage between the head office and branches and the combination of credit resources and comprehensive financial services.
Article 18 Zhangzhou Rural Commercial Bank practices the "Sunshine Credit" service commitment, strictly implements the "three checks" system for loans, establishes and improves the risk control mechanism for youth entrepreneurship loans, and operates independently and takes risks at its own risk. We will do a good job in loan management and loan recovery in principle.
Article 19 Zhangzhou Rural Commercial Bank shall establish and improve credit files for rural youth entrepreneurship loans, and collect statistics on loan acceptance, issuance, and inventory on a monthly (quarterly) basis.
Article 20 Youth League organizations at all levels and Zhangzhou Rural Commercial Bank should promptly summarize good experiences and practices in carrying out youth entrepreneurship loans, gradually establish and improve effective incentive and restraint mechanisms, and timely promote rural youth Advanced units and individuals in entrepreneurial loan work will be commended.
Chapter 6 Supplementary Provisions
Article 21 If these Measures are inconsistent with national laws and regulations, the national laws and regulations shall prevail.
Article 22: Entrepreneurship loans for urban youth shall be implemented with reference to these Measures.
Article 23 The Xiangcheng Youth League Committee and Zhangzhou Rural Commercial Bank are responsible for the interpretation and modification of these Measures.
Article 24 These Measures shall come into effect from the date of promulgation. ;