Grassroots employment means working at the grassroots level in urban and rural areas. In recent years, the state has issued a series of preferential policies to encourage college graduates to actively participate in the construction of new socialist countryside, urban communities and join the army. Generally speaking, the grass-roots level includes both the vast rural areas and urban street communities; It covers not only party and government organs, enterprises and institutions below the county level, but also social groups, non-public organizations and small and medium-sized enterprises; It includes self-employment and self-employment, as well as hard industries and hard jobs.
2. What are the main preferential policies of the state to encourage graduates to work at the grassroots level?
(1) College graduates who are engaged in social management and public services in rural grass-roots units and urban communities and meet the employment conditions of public welfare posts shall be given social insurance subsidies and public welfare post subsidies in accordance with the current national employment promotion policies.
(two) in rural grass-roots units and other social management and public service jobs in urban communities, pay wages or living allowances, and participate in relevant social insurance according to regulations.
(3) College graduates who are employed in rural grass-roots units below the county level in the central and western regions and hard and remote areas and who have served for a certain period of time, as well as college graduates who have been recruited for compulsory military service, shall be compensated for tuition fees and national student loans according to regulations.
(4) For college graduates in grassroots work experience, priority should be given to graduate recruitment and institution transfer, and the proportion of civil servants should be further expanded when recruiting civil servants by party and government organs at or above the prefecture level.
3. What are grass-roots social management and public service posts?
The so-called grass-roots social management and public service posts include village officials in rural areas, teaching, supporting agriculture, supporting doctors and helping the poor, as well as legal aid, employment assistance, social security assistant, cultural and scientific services, old-age services, home services for the disabled, and supporting services for low-rent housing in urban communities.
4. What other grass-roots social management and public service posts are there?
Develop or set up corresponding social management and public service posts in street communities, towns and other grassroots units. Part of it is funded by the government or relevant organizations and units. Arrange the use of personnel in accordance with the provisions to enjoy the relevant subsidies.
5. What is a public service post?
Management and service posts funded by the government to meet the public interests of communities and residents. Public welfare posts give priority to people with difficulties or special groups, and social insurance subsidies and post subsidies are given from special funds for employment.
6. What is the social insurance subsidy for public welfare posts?
After the employers who meet the conditions of public welfare posts recruit graduates from families with employment difficulties and zero-employment colleges and universities and pay social insurance premiums for them according to regulations, the government will give financial subsidies to the employers from the local financial re-employment funds.
7. What is the public welfare post subsidy?
Neighborhood (community) or other approved labor dispatch organizations arrange families with employment difficulties and zero-employment college graduates to engage in public welfare jobs, and implement unified management, unified payment of wages, unified payment of social insurance premiums, and signing labor contracts for more than six months. Local finance will subsidize employers.
8. What are the main policy contents of tuition compensation and student loan compensation?
If the fresh graduates from universities in the central departments (full-time junior college students, vocational college students, graduate students and graduates with second bachelor's degrees) have worked in grass-roots units in the central and western regions and hard and remote areas for more than 3 years (including 3 years), their tuition fees will be compensated by the state. If you get a national student loan during your study in school (including the national student loan in colleges and universities and the student-origin credit student loan, the same below), the compensated tuition fee will be used to repay the principal of the national student loan and the interest generated before it is fully repaid. Except for students who are oriented, entrusted and have enjoyed the policy of exempting all tuition fees during their school days.
9. What are the fields of employment where the state implements compensatory tuition fees and compensatory student loans?
The state shall, in accordance with the provisions, implement corresponding tuition compensation and student loan compensation for graduates from universities affiliated to the central government who work in grass-roots units in central and western regions and hard and remote areas and perform a certain period of service. The geographical scope involved here mainly includes:
(1) western regions: Tibet, Inner Mongolia, Guangxi, Chongqing, Sichuan, Guizhou, Yunnan, Shaanxi, Gansu, Qinghai, Ningxia, Xinjiang, etc. 12 provinces (autonomous regions and municipalities directly under the Central Government); (2) Central region: Hebei, Shanxi, Jilin, Heilongjiang, Anhui, Jiangxi, Henan, Hubei, Hunan, Hainan and other provinces 10; (3) Hard and remote areas: some states, counties and ethnic minority areas with poor economic level and conditions determined by the State Council. (For details, please visit the Chinese government website: or visit the Peking University Legal Information website:)
(4) grass-roots units:
(a) organs, enterprises and institutions below the county level in the central and western regions and hard and remote areas, including township (town) government organs, rural primary and secondary schools, state-owned agricultural (animal husbandry and forestry) farms, agricultural technology extension stations, animal husbandry and veterinary stations, township hospitals, family planning service stations, township cultural stations and township labor employment service stations; (2) The work place is located in the front line of production in hard industries of central units such as meteorology, earthquake, geology, hydropower construction, coal, petroleum, navigation and nuclear industry.
10. What are the standards and years of tuition compensation and student loan compensation?
The maximum amount of compensation for tuition fees and national student loans per student per academic year is no more than 6000 yuan. If the actual tuition fee paid or the national student loan obtained during the school study period is less than 6000 yuan, compensation or compensation shall be made according to the actual tuition fee paid or the amount of the national student loan obtained. If the actual tuition fee paid each year is higher than 6000 yuan, compensation or compensation shall be made according to the amount of 6000 yuan per year.
The number of years for undergraduate, junior college (higher vocational), graduate and second bachelor's degree graduates to compensate tuition fees or national student loans shall be calculated according to the corresponding educational system stipulated by the state. If the study time in school is less than the corresponding length of schooling, the compensation tuition fee or the compensation student loan period shall be calculated according to the actual study time. If the study time in school is longer than the corresponding length of schooling, it shall be calculated according to the length of schooling.
One-third of the total tuition fee or the national student loan will be compensated every year, and the compensation will be completed in 3 years.
1 1. How do college graduates directly under the central government apply for tuition compensation and student loan compensation?
(1) When going through the formalities of leaving school, submit the application form for tuition fees and national student loan compensation, and the employment agreement signed by the graduate, the employment unit and the school to serve grassroots units in the central and western regions and hard and remote areas for more than 3 years; (2) If you get a national student loan during your study in school, when you sign a repayment plan with the national student loan handling bank after graduation, you should indicate that you have applied for national student loan compensation. Those who are eligible for national student loan compensation do not need to repay their loans to the bank; (3) Colleges and universities are responsible for reviewing the application qualifications and reporting them to the National Student Financial Assistance Management Center.
12. How do local college graduates get tuition compensation and student loan compensation when they go to the grassroots level for employment?
The Interim Measures for Compensation for Tuition Fees and National Student Loans for College Graduates issued by the Ministry of Finance and the Ministry of Education require that all localities should promptly study and formulate compensation measures for tuition fees and student loans for college graduates in local areas to attend grassroots units in difficult and remote areas under their jurisdiction. Whether local college graduates can get tuition compensation or national student loan compensation when they go to the grassroots level for employment, and how to apply for compensation or compensation, please consult the relevant departments of the local government.
16. what is the regional scope of the rural teachers' special post plan?
From 2006 to 2008, the implementation scope of the "special post plan" was mainly based on the "two basics" counties in the western region of the country (including some corps of Xinjiang Production and Construction Corps), including some ethnic autonomous prefectures in the central provinces that were included in the national western development plan, and due consideration was given to some border counties, ethnic autonomous counties and ethnic minority counties with special difficulties in the western region. In 2009, the scope of implementation was extended to key counties in poverty alleviation and development in the central and western regions.
17. what are the recruitment targets and conditions of the rural teachers' special post plan?
(1) Give priority to recruiting fresh graduates from normal universities and other full-time colleges, and recruit a small number of fresh graduates from normal colleges.
(2) Full-time undergraduate graduates under the age of 30 who have obtained teacher qualifications and have certain practical experience in education and teaching.
⑶ Volunteers who have participated in the "Volunteer Service Program for College Students in the West" and have teaching experience are given priority under the same conditions as graduates of normal universities who have participated in internship and teaching for more than half a year.
(4) Applicants should meet the requirements of both teacher qualifications and recruitment positions.
18. What is the recruitment procedure of the rural teachers' special post program?
Open recruitment of special post teachers and contract management. The contract stipulates the rights and obligations of both the employer and the applicant.
The recruitment work is jointly undertaken by the provincial education, human resources and social security, finance, editorial office and other relevant departments, and follows the principles of "openness, fairness, voluntariness, merit selection" and "three decisions" (county-oriented, school-oriented and post-oriented), and is carried out according to the following procedures: ① announcement of demand, ② voluntary registration, ③ qualification examination, ④ examination, ⑤ centralized training, and ⑤ qualification examination.
19. What is hiring college graduates to work in the village?
In 2008, the Central Organization Department, the Ministry of Education, the Ministry of Finance and Ministry of Human Resources and Social Security issued the Notice on Printing and Distributing, and within five years, 65,438+10,000 college graduates were hired to work in rural areas as assistant directors of village committees, assistant secretaries of village party branches or secretaries and deputy secretaries of league branches. The term of employment for college graduates in the village is generally 2-3 years.
20. Who are the people who are hired to serve in the village? What conditions need to be met?
The selection targets are full-time graduates of ordinary colleges and universities under the age of 30 with college education or above, with emphasis on undergraduates and postgraduates who graduated this year and 1 2 years. In principle, it is party member in China (including preparing for party member), and outstanding league cadres and student cadres in China who are not from party member can also be selected.
The basic conditions are: ① good ideological and political quality, practical style, hard work and strong organizational discipline. (2) Good academic performance and certain organization and coordination ability. (3) Voluntary work at the grassroots level in rural areas. ④ Good health. In addition, college graduates who have participated in activities such as "Three Supports and One Support" and "Volunteer Service Plan for the West" organized by Ministry of Human Resources and Social Security, the Central Committee of the Communist Youth League, etc., voluntarily, have the employment conditions, and can be recommended by the organization as candidates.
2 1. What is the procedure for selecting and employing people to serve in the village?
The selection and employment work is generally carried out through individual registration, qualification examination, organization inspection, physical examination, publicity, employment decision, training and other procedures.
22. What is the "three supports and one support" plan?
"three supports and one support" is the abbreviation of teaching, supporting doctors, supporting agriculture and helping the poor. In 2006, the Central Organization Department and the Ministry of Personnel and other eight departments issued the Notice on Organizing College Graduates to Teach, Support Agriculture, Support Medicine and Help the Poor in Rural Grassroots. By means of open recruitment, voluntary registration, organization selection and unified dispatch, 20,000 college graduates will be recruited every year for five consecutive years from 2006, mainly for teaching, supporting agriculture, supporting doctors and helping the poor in villages and towns. The service period is generally 2-3 years. The recruitment target is mainly the fresh graduates of colleges and universities across the country.
23. What is the plan for college students to volunteer for the western region?
The plan of college students' voluntary service in the western region is led by the Central Committee of the Communist Youth League and jointly implemented by the Ministry of Education, the Ministry of Finance and Ministry of Human Resources and Social Security. Since 2003, a certain number of college graduates have been recruited every year to engage in voluntary services such as education, health, agricultural technology, poverty alleviation and the construction and management of township youth centers in poverty-stricken counties in the west, with a term of 1-3 years.
24. What preferential policies do you enjoy after participating in the grassroots employment projects organized and implemented by the central departments?
Participating in the projects of "Selecting College Graduates to Work in Villages", "Three Supports and One Support", "College Students' Volunteer Service in the West" and "Special Post Plan for School Teachers in Rural Compulsory Education Stage", graduates who have completed their service enjoy the following preferential policies:
(a) merit-based recruitment of civil servants: Party and government organs at or above the prefecture (city) level should make clear the proportion of grassroots work experience personnel with more than 2 years; County and township organs should take out certain posts to recruit college students to work in the village and other grassroots employment projects.
(2) merit-based recruitment of public institutions: encourage local employment after the completion of the project, participate in natural attrition vacancies corresponding to various grassroots employment projects, and employ all college graduates with expired service. From 2009 onwards, college graduates who have worked in township institutions, after 1 year of service, can sign employment contracts with their units for not less than 3 years after passing the examination under the current vacancy situation. At the same time, all provinces (autonomous regions and municipalities) and relevant institutions at or above the county level should openly recruit staff, and should take out no less than 40% of graduates who have passed the examination of grassroots employment projects.
(3) Entrance examination and preferential treatment for further studies: within 3 years after the expiration of service, the total score of graduate students in the initial examination will be increased by 10; Priority admission under the same conditions; Higher vocational (junior college) students can enter adult undergraduate study without examination.
(4) National tuition compensation and student loan compensation policy: Graduates who participate in grassroots employment projects can enjoy corresponding tuition compensation and student loan compensation policies if they meet the prescribed conditions.
5. If you start your own business after the service expires, you can enjoy relevant policies such as administrative fee reduction, small loan guarantee, interest discount, etc.
(6) Others: calculate length, a grass-roots employment project. If the service expires and the enterprise is employed, the social insurance relationship will be transferred in accordance with the regulations.
Encourage college graduates to join the army and serve the motherland.
The state encourages college graduates to join the army. How to define "college graduates" here?
Refers to the full-time undergraduate (including higher vocational education), postgraduate and second bachelor's degree graduates of full-time public colleges, private colleges and independent colleges affiliated to the central departments and localities. It does not include previous graduates, adult higher education students, higher education self-study exam students and all kinds of non-academic education students.
26. Which department is responsible for conscription?
According to the Military Service Law, under the leadership of the State Council and the Central Military Commission, the national military service is the responsibility of the Ministry of National Defense.
According to the tasks entrusted by the Ministry of National Defense, each military region is responsible for military service in its own region.
The people's armed forces departments of provincial military regions (garrison commands, garrison commands), military sub-regions (garrison commands), counties, autonomous counties, cities and municipal districts and the military service organs of the people's governments at the corresponding levels shall, under the leadership of the military organs at higher levels and the people's governments at the corresponding levels, be responsible for military service in their respective regions.
27. What political conditions do citizens need to meet for enlistment?
The contents of the political review of conscription include: the age, household registration, occupation, political outlook, religious belief, education level, realistic performance and political situation of the main family members and social relations members. Citizens who should conquer active service must love the Communist Party of China (CPC), the socialist motherland and the people's army, abide by laws and regulations, have good moral quality, and be determined to bravely resist aggression, defend the motherland and defend the people's peaceful labor.
28. What are the basic physical conditions for citizens to enlist in the army?
Citizens enlisted in the army should be physically and mentally healthy and physically strong. Among them, there are several basic conditions:
Height: male 162cm or more, female 160cm or more.
Weight: Male does not exceed +20% and-10% of the standard weight.
Women do not exceed 15% of the standard weight.
Standard weight = (height-1 10)kg.
The personal weight of young men with excellent physical conditions can be relaxed to no more than 25% of the standard weight and no less than 15% of the standard weight.
Vision: The vision standard of road service post, the naked eye vision of the right eye is relaxed to 4.6, and the naked eye vision of the left eye is relaxed to 4.5. Young people with college education or above.
Internal medicine: HBsAg negative, and so on.
29. What are the age requirements for college graduates to join the army?
Higher vocational (junior college) graduates are 23 years old in the current year 18-23 years old, and bachelor degree or above can be relaxed to 24 years old in that year.
30. When will the pre-recruitment of college graduates start in 2009?
There is a national conscription every winter. Since 2009, the pre-levy system has been implemented for college graduates in ordinary colleges and universities. From May to June, the military service organs in the places where colleges and universities are located will cooperate with relevant departments to carry out pre-recruitment work.
3 1. What are the procedures for college graduates to enlist in the army?
(1) Participation in military service registration and pre-enlistment registration: The county-level military service organs where colleges and universities are located jointly with relevant departments to carry out military service registration in schools to conduct a general survey of conscription, and college graduates themselves can register with relevant departments of their colleges and universities.
⑵ Participating in the pre-recruitment of colleges and universities: From May to June, the county-level military service organs where colleges and universities are located will organize colleges and universities to conduct physical and political preliminary examinations in conjunction with education, public security, health and other departments, and those who meet the basic recruitment conditions will be identified as pre-recruitment targets, and the Registration Form for Pre-recruitment Targets of Fresh College Graduates will be filled in. During the initial physical examination, focus on items such as vision and liver function.
(3) Registration at the place where the household registration is located: from June 5438+0 1 day to February 1 day, college graduates who are identified as pre-recruitment targets should register at the recruitment office of the county (city, district) where the household registration is located before the start of winter recruitment. Those who pass the physical examination and political examination and meet other recruitment conditions shall be given priority approval by the recruitment office of the county (city, district) people's government.
32. Which department is responsible for the pre-registration of college graduates?
The Armed Forces Department takes the lead in setting up the Armed Forces Department in colleges and universities, and the student management department is responsible for not setting up the Armed Forces Department. Graduates who are interested in joining the army can consult the Armed Forces Department or the Student Affairs Office of their school.
33. What preferential policies do graduates enjoy for compulsory military service?
College graduates who are recruited for compulsory military service enjoy priority placement policies such as priority registration, priority medical examination and political examination, priority examination and approval of soldiers, and preferential policies such as priority selection and use, priority entrance examination, tuition compensation or national student loan compensation.
34. How to understand the "priority registration" of graduates?
Before the registration of conscription, the military service organ at the county level shall inform the object of pre-conscription of the time, place and matters needing attention of registration. College graduates apply to the county-level military service organs where their household registration is located with the "Registration Form for Pre-Requisitioned Objects of Fresh College Graduates".
35. How to understand the "priority physical examination and political examination" of graduates?
The physical examination of college graduates' prerequisitioned objects shall be directly handled by the county-level military service organs. Before conscription, the military service organs at the county level shall inform the pre-conscripts of the time, place and matters needing attention, and make arrangements for physical examination. Except for organic or infectious diseases, it is generally not allowed to be eliminated by a single department.
When organizing the political examination of college graduates, it should be carried out in strict accordance with the provisions of the political examination of conscription. The appraisal opinions in the column of "Appraisal Opinions of Schools Attended" in the candidate's political examination form shall be subject to the opinions in the Registration Form of Pre-registered Objects of College Graduates, and the appraisal opinions shall not be filled in. Before joining the army, the Registration Form of Pre-recruiting Objects for College Graduates was loaded into the recruits' files as an annex to the political examination form.
40. What is the enrollment situation of political and legal colleges in grass-roots public security and law posts?
In 2008, political and legal colleges launched a pilot reform of the recruitment and training system, focusing on the selection of talents from retired military personnel and ordinary college graduates, and targeted recruitment and training of talents above junior college level for grassroots public security organs, procuratorial organs, law departments and departments in western and economically underdeveloped areas.
4 1. What are the contents of enrollment tuition compensation and student loan compensation?
Since 2009, the state has compensated the college graduates who have been enlisted for compulsory military service for the tuition fees paid during their school days. If you get a national student loan during school, the tuition compensation will be used to repay the principal of the student loan and the interest generated before it is fully repaid.
42. Can college graduates enjoy tuition compensation or student loan compensation policy when they join the army?
Students, orientation students, entrusted students, national defense students, college graduates recruited according to the conditions of military cadres, and non-commissioned officers directly recruited from college graduates who have enjoyed the policy of exempting all tuition fees during their school days do not enjoy tuition compensation and student loan compensation.
43. What are the standards for tuition compensation and student loan compensation?
The amount of tuition fees or principal and interest compensation for national student loans for graduates who perform compulsory military service shall not exceed 6,000 yuan per academic year; If the tuition fees actually paid by graduates or the principal and interest of the national student loan obtained during the school period are higher than 6000 yuan, compensation or compensation shall be made according to the amount of 6000 yuan per year; College graduates who actually pay tuition fees or the principal and interest of national student loans are less than 6000 yuan each year during their study in school shall be compensated or compensated according to the principle of higher tuition fees and principal and interest of national student loans.
5 1. Which graduates can apply to be research assistants or assistants?
Employment targets are mainly outstanding fresh graduates, including doctoral students, master students and undergraduates trained by universities and scientific research institutions with the right to confer degrees.
52. Are the graduates employed by scientific research projects employees?
Not the official staff of the project undertaker, the employed graduates must sign a service agreement with the project undertaker to clarify the rights, responsibilities and obligations of both parties.
53. What should be included in the service agreement signed between the undertaking unit of scientific research project and the employed graduates?
(a) the name and address of the project undertaker;
(2) The name, resident ID number and address of the research assistant;
(3) Term of the service agreement;
(4) Work content;
5] The amount and payment method of labor expenses;
(6) Social insurance;
(7) Other contents agreed by both parties through consultation.
The service agreement shall not stipulate that graduates shall bear liquidated damages.
54. What is the duration of the service agreement?
The service agreement can be signed for up to 3 years. If the service agreement with a term of less than 3 years has expired but the project implementation period has not expired, it can be renewed to 3 years through negotiation according to the work needs. After the expiration of 3 years, graduates who intend to continue to work in the project unit and the project undertaker agrees to accept it must go through formal employment procedures. (continued to the seventh edition)
55. Can the service agreement be terminated during the performance?
During the performance of the service agreement, graduates may propose to terminate the service agreement, but they shall notify the project undertaker in writing 15 days in advance.
If the project undertaker proposes to terminate the service agreement, it shall notify the graduates in writing 30 days in advance. After the termination or expiration of the research assistant service agreement, qualified graduates can enjoy unemployment insurance benefits according to regulations.
56. How do graduates get paid?
The project undertaker shall pay the labor service fee to the graduates, and the specific amount shall be determined by both parties through consultation. The time of being hired as a research assistant is calculated as the length of service.
57. Does the project undertaker insure the employment graduates?
The project undertaker shall handle social insurance for graduates, including basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, and pay them in full and on time. Specific measures such as insurance, payment and treatment payment shall be implemented with reference to the relevant provisions of various social insurances.
58. How do employed graduates transfer their household registration?
During the period of participating in the project research, according to local conditions, graduates' accounts and files can be stored in the talent exchange center where the project undertaker or family is located before entering school. The talent exchange center where the project undertaker is located or the talent exchange center where the family is located before school provides free account and file keeping services.
59. How to find employment after the service agreement expires?
Upon the expiration of the agreement, if the project undertaker has no intention to renew his employment, the graduates will be employed in other positions. At the same time, the state encourages the project undertaker to give priority to those who have served as research assistants when formally hiring (hiring) personnel. The project undertaker or other employing units formally employ (recruit) the personnel who have served as research assistants, in accordance with the Labor Contract Law, the Notice of the General Office of the State Council on Forwarding the Opinions of the Ministry of Personnel on the Trial Appointment System in Institutions (Guo Ban Fa [2002] No.35) and other regulations.
7 1. How do college graduates improve their entrepreneurial ability?
College students with entrepreneurial will can participate in entrepreneurship training and practice and receive general entrepreneurship education, so as to systematically learn entrepreneurial knowledge, improve entrepreneurial plans, improve the profitability of enterprises, reduce risks and promote entrepreneurial success.
At present, many colleges and universities offer courses and entrepreneurial practice activities in entrepreneurship training, and college students can choose to participate; In addition, local human resources and social security departments have also set up entrepreneurship training courses. Unemployed college graduates can apply to the local human resources and social security departments to participate in subsidized training. Such as "GYB" (generating your business idea), "SYB" (starting your business) and "IYB" (improving your business).
72. What preferential policies can college graduates enjoy when they start their own businesses?
(1) Small secured loans and discount support
(1) registered unemployed college graduates who start their own businesses and have insufficient self-raised funds can apply for a small secured loan of not more than 50,000 yuan from a local designated bank; For those who are engaged in low-profit projects, they can also get preferential support.
② College graduates who voluntarily start businesses at the grass-roots level below the county level in the western region may also apply for small secured loans from local handling banks when their self-raised funds are insufficient; Those who engage in low-profit projects can get 50% preferential support.
(2) Free of relevant administrative fees.
Within 2 years after graduation, college graduates registered in the industrial and commercial departments to engage in self-employed businesses will be exempted from administrative fees for management, registration and license within 3 years from the date of first registration in the industrial and commercial departments.
(3) Enjoy training subsidies.
Graduates who register as unemployed after leaving school can enjoy vocational training subsidies when they attend entrepreneurship training organized by human resources and social security departments.
(4) Free entrepreneurial service
College graduates who are willing to start a business can get free business guidance services provided by the public employment service department, including project development, scheme design, risk assessment, business guidance, financing services and follow-up support.
73. What is a small secured loan? What is the purpose of small secured loans?
Small-sum secured loan refers to the establishment of a guarantee fund through government investment, entrusting a guarantee institution to provide loan guarantee, which is issued by the handling commercial bank to solve the problem that the unemployed who meet certain conditions engage in self-financing loan business.
Small secured loans are mainly used for start-up funds and working capital of self-employment, self-employment or partnership organizations.
74. What is the amount of small secured loans? How long is the loan term?
The state stipulates that the maximum amount of personal application should not exceed 50,000 yuan, and different regions have different regulations on the amount of small secured loans, and the amount in many regions is even higher than 50,000 yuan. Partnership loans are bigger.
Generally, the term of small secured loans is not more than 2 years, which can be extended 1 year.
75. How to apply for a small secured loan? In which banks can I apply for a small secured loan?
Small secured loans shall be handled in accordance with the procedures of voluntary application, community recommendation, human resources and social security department audit, loan guarantee agency audit commitment, and commercial bank loan verification.
Commercial banks in various countries, joint-stock commercial banks, city commercial banks and urban and rural credit cooperatives can offer small-sum secured loans, and each region can determine the specific handling bank according to the actual situation. Small secured loans can be handled at designated specific handling banks.
76. Which projects are low-profit projects?
The People's Bank of China, the Ministry of Finance and the former Ministry of Labor and Social Security jointly issued the Notice on Improving and Perfecting the Policy of Small Guaranteed Loans (Yinfa [2006] No.5), making it clear that the people's governments of all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning should determine the scope of low-profit projects in light of actual conditions. It mainly includes: cottage industry, repair and replacement, book lending, hotel service, catering service, dyeing and sewing, copying and typing, haircut, small dining table, canteen, moving, hourly service, household cleaning and sanitation service, primary health care service, infant care and education service, education and training service for disabled children, old-age service, patient care and transportation service for children and students.
For those engaged in low-profit projects, the loan interest will be borne by the finance 50% (the central finance will bear 25%, the local finance will bear 25%, and no discount will be given during the extension period).
Employment guidance services and employment assistance
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