Guidelines for Ningbo Venture Guarantee Loan Application (Conditions for Hangzhou Venture Guarantee Loan Application)

Within the administrative area of this Municipality, China citizens, Hong Kong, Macao and Taiwan personnel who are of working age and have a good personal credit record, and foreigners who hold permanent residence permits for foreigners, may apply for business guarantee loans for the first time in five years.

Second, the application purpose

The business guarantee loan can only be used for the borrower's business start-up capital, working capital turnover, technical transformation and other production and business activities, and may not be used for buying stocks, futures and other securities and engaging in equity investment, or for purposes that violate relevant state laws, regulations and policies.

Third, the application materials

1. Application Form for Qualification of Personal Business Guarantee Loan

2. The original social security card or resident ID card, the original residence permit for Hong Kong, Macao and Taiwan residents and the original permanent residence permit for foreigners shall be provided for the first time.

3. Graduates of entrepreneurship training courses are required to provide the original certificate of entrepreneurship training courses and the original business project plan, business premises lease contract or proof of their own premises.

4. Entrepreneurial contest winners need to provide the organizer's documents, award-winning certificates, award-winning links and other award-winning certification materials.

5. University graduates and students are required to provide academic credentials within 5 years after graduation.

6. Production and operation certification materials

Fourth, the application process

1. The borrower shall bring the materials with the business license or unit registration certificate to the street human resources and social security service institution where the household registration is located to apply for the qualification confirmation of the business guarantee loan.

2. After receiving the materials, the street human resources and social security service institutions shall complete the acceptance, examination and review, feed back the applicant's identification results on the spot, issue the Application Form for Qualification Identification of Personal Business Guarantee Loan and relevant loan application materials, and submit them to the handling bank.

3. The handling bank shall, within 10 working days after receiving the loan application, investigate and review the relevant information, credit status and solvency of the borrower's entrepreneurial project, and make a decision on whether to lend.

Remarks:

1. The borrower can only apply for a commercial guarantee loan from one handling bank at a time. If the partnership has multiple managing partners, only one of them can declare a commercial guarantee loan during the same loan period.

2. To meet the loan conditions, sign a loan contract with the borrower and issue loans; For those who do not meet the loan conditions, notify the borrower in time and explain the reasons. The handling bank shall report the issuance of business guarantee loans to the human resources and social security departments of all districts and counties on a monthly basis.