In order to continue to promote the implementation of the "Rural Revitalization Women's Action", "Women's Employment and Entrepreneurship Promotion Action" and "Science and Technology Innovation Women's Action", the Gansu Provincial Women's Federation, the Bank of Lanzhou, and the Gansu Provincial Economic Research Institute jointly launched the "Longyuan Women's Loan" series of businesses to provide financial support and services for the entrepreneurial development and operation of female college students and female entrepreneurs.
Longyuan Women's Honor Loan
Loan object
In recent years, she has been awarded the 38 Red Banner Bearer, the Model of Women's Meritorious Service, the Most Beautiful Family, the Most Beautiful Housekeeper, and female entrepreneurs such as female college students and female entrepreneurs by women's federations at the national, provincial, municipal, and county levels.
Loan amount
In principle, the loan amount of customers who have won national and provincial honors shall not exceed 500,000 yuan; The loan for customers who have won honors at the municipal and county levels shall not exceed 300,000 yuan, and the loans for other female college students, female entrepreneurs and other female entrepreneurs and operators who have not won honors shall not exceed 200,000 yuan; The loan amount will be approved according to the actual business situation of the customer.
Loan term
Short-term working capital shall not exceed 1 year, and medium and long-term loans shall not exceed 3 years.
Collateral method
"Longyuan Women's Honor Loan" can be handled in the form of credit loans.
Loan interest rate
In principle, the loan interest rate of customers who have won national honors shall be implemented according to the corresponding term loan market prime rate LRP-50BP, and the loan interest rate of customers who have won provincial honors shall be implemented according to the corresponding term loan market prime interest rate LRP-30BP; The loan interest rate of customers who have won the municipal honor shall be implemented according to the corresponding term loan market prime rate LRP-20BP, and the loan interest rate of customers who have won the county honor shall be implemented according to the corresponding term loan market prime rate LRP-10BP; The loan interest rate of other female entrepreneurs and operators such as female college students and female entrepreneurs who have not won honors shall be implemented according to the corresponding loan market prime interest rate LRP. (LRP is the 1-year loan prime rate)
Longyuan Women's Entrepreneurship Loan
Loan object
Female urban and rural workers and small and micro enterprises who are eligible for the "Guaranteed Loan for Entrepreneurship" are engaged in self-employment, partnership entrepreneurship or organized entrepreneurship in Gansu (not subject to household registration restrictions in Gansu Province).
Referring to the Measures for the Management of Special Funds for the Development of Inclusive Finance issued by the Ministry of Finance and the local finance and human resources and social security departments, Bank of Lanzhou will provide relevant information to customers who meet the financial discount and actively cooperate with customers to apply for financial discount funds.
(1) Individuals. If you meet both conditions at the same time, you can apply for a financial discount. Article 6 of the Measures for the Administration of Special Funds for the Development of Inclusive Finance, as stipulated in Article 6 of the Measures for the Administration of Special Funds for the Development of Inclusive Finance, urban registered unemployed, persons with employment difficulties (including persons with disabilities), retired soldiers, persons released from prison, college graduates (including college students, village officials and students returning from abroad), employees and unemployed persons of enterprises resolving excess capacity, migrant workers returning to their hometowns to start businesses, online merchants, people lifted out of poverty, and rural self-employed farmers and other key employment groups; Except for student loans, microfinance for poverty alleviation, housing loans, car purchase loans, and small consumer loans (including credit card consumption) of less than 50,000 yuan, the applicant and his or her spouse have no other loans when submitting the application for entrepreneurial guarantee loans.
(2) Small and micro enterprises. If you meet the three conditions at the same time, you can apply for financial discounts. Small and micro enterprises that belong to the current standards for the classification of small and medium-sized enterprises; Within one year before applying for a start-up guarantee loan, the number of newly recruited people who meet the application conditions for the start-up guarantee loan reaches 10% of the existing number of employees of the enterprise (5% for enterprises with more than 100 employees), and a labor contract with them for more than one year has been signed; There is no credit record of violations of laws and regulations such as arrears of wages and social insurance premiums.
Loan amount
In principle, the amount of guaranteed loans for entrepreneurship issued to eligible individuals shall not exceed 300,000 yuan. In principle, if a partnership starts a business or an organization to start a business together, it shall not exceed 10% of the total amount of eligible personal loans; In principle, the maximum amount of loans for small and micro enterprises shall not exceed 4 million yuan, and the loan amount shall be reasonably determined by the guarantee institution and the handling bank according to the actual loan needs of the borrowing enterprise.
Loan term
The term of the guaranteed loan for individual entrepreneurship shall not exceed 3 years, and the term of the loan for small and micro enterprises shall not exceed 2 years.
Loan interest rate
The interest rate of the start-up guarantee loan shall be determined by the borrower, the handling bank, the operation and management institution of the start-up guarantee loan guarantee fund or the government financing guarantee institution, and the upper limit of the loan interest rate shall be LRP+150BPs, and the upper limit of the loan interest rate for poverty alleviation areas shall be LRP+250BPs.
Customers who meet the loan conditions of the "Start-up Guarantee Loan" enjoy the government's interest discount policy, and the financial department will give a financial discount of 50% of the effective interest rate of the loan.
Longyuan women's exclusive loan
Loan object
The "National Women's Modern Agricultural Science and Technology Demonstration Base", "Rural Revitalization Women's Demonstration Base", "Women's Rural Employment Factory", "Women's Employment and Entrepreneurship Promotion Project" and other small and micro enterprises and the "Beautiful Courtyard" named by the Women's Federation at all levels in the province have been awarded and supported by the All-China Women's Federation and the Provincial Women's Federation.
Loan amount
In principle, the loan amount shall not exceed 10 million yuan, and the loan amount shall be approved according to the actual business situation of the customer.
Loan term
Short-term working capital shall not exceed 1 year, and medium and long-term loans shall not exceed 3 years.
Collateral method
The "Longyuan Women's Exclusive Loan" can be handled by means of credit guarantee, mortgage, pledge or combination guarantee.
Loan interest rate
In principle, it shall not be lower than the market prime rate (LRP) of the corresponding term loan, and shall not be higher than the execution rate of small reloans.
Business processes
1
Women in need of cash apply for loans from a branch of the Bank of Lanzhou.
2
The relevant branches of Bank of Lanzhou conduct on-site due diligence in accordance with the relevant credit process, and conduct final review of the customer and issue loans to the qualified borrowers according to the relevant credit policies, with reference to the list of winners and other information pushed by the Provincial Women's Federation, as well as the credit rating of the borrower by Shini Loan. In line with the provisions of the Ministry of Finance's "Measures for the Management of Special Funds for the Development of Inclusive Finance", priority will be given to the corresponding financial discount policy support.
3
Bank of Lanzhou shall carry out post-loan inspection in accordance with regulations, and recover the principal and interest of the loan on time.
If you are interested, please contact us
Producer: Zhang Wei Editor: Wang Ruoqian
Editor: Zhang Qing Contributed by: Development Department
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