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问:什么是再就业小额担保贷款?答:再就业小额担保贷款是指根据中发[2002]12号文件精神,为帮助下岗失业人员自谋职业、自主创业和组织起来就业,对于诚实守信、有劳动能力和就业愿望的下岗失业人员,针对他们在创业过程中缺乏启动资金和信用担保,难以获得银行贷款的实际困难,由政府设立再担保基金,通过再就业担保机构承诺担保,向银行申请的专项再就业小额贷款。问:哪些人可申请再就业小额贷款?答:凡符合法定劳动年龄具有劳动能力的当地户籍失业人员在自谋职业、自主创业或合伙经营与组织起来就业时,其自筹资金不足部分向当地商业银行总行营业部申请小额担保贷款的贷款业务。问:申请小额贷款需具备哪些条件?答:(一)持有《失业证》和《再就业优惠证》;(二)项目计划切实可行且符合项目政策文件范围;(三)自筹资金达到贷款金额10%以上(贷款前以借款人名义存人当地商业银行,与贷款本金一并使用)。
Q: What is a re-employment of micro-secured loans? A: Re-employment of micro-secured loans refers to the spirit of the document [2002] 12, in order to help laid-off workers to find jobs, start their own businesses and organize employment, honesty Trustworthy, able-bodied and laid-off workers laid-off workers for their lack of start-up process in the start-up capital and credit guarantees, it is difficult to obtain the practical difficulties of bank loans, the government set up a re-guarantee fund through the re-employment guarantee agencies promised to Special re-employment of small banks to apply for loans. Q: Who can apply for re-employment of small loans? A: Where the unemployed local residents with legal working age have the ability to work in self-employment, self-employment or partnership and organize employment, the part of the self-financing inadequate to The local commercial bank head office sales department to apply for small loans secured loan business. Q: What are the requirements for applying for a micro-loan? A: (1) Holding the “Unemployment Card” and “Reemployment Permit Card”; (2) The project plan is practicable and within the scope of the project policy documents; (3) Self-raised funds Reached a loan amount of 10% (before the loan in the name of the borrower to save the local commercial bank, together with the loan principal).