Notice of the Ministry of Finance, the Ministry of Human Resources and Social Security, the People's Bank of China and the All-China Women's Federation on Improving the Policy of Fiscal Interest Discount for Small-sum Secured Loans to Promote Employment of Women by Starting New Businesses

财政部、人力资源社会保障部、中国人民银行、中华全国妇女联合会关于完善小额担保贷款财政贴息政策推动妇女创业就业工作的通知

Promulgating Institution: Ministry of Finance; Ministry of Human Resources and Social Security;The People's Bank of China

Document Number: Cai Jin [2009] No. 72

Promulgating Date: 07/27/2009

Effective Date: 07/27/2009

颁布机关: 财政部; 人力资源和社会保障部; 中国人民银行; 中华全国妇女联合会

文      号: 财金[2009]72号

颁布时间: 07/27/2009

实施时间: 07/27/2009

Text

正文

Finance departments (bureaus), departments (bureaus) of human resources and social security (personnel and/or labor security), and women's federations of all provinces, autonomous regions, municipalities directly under the Central Government and cities specifically designated in the State plan, commissioner's offices of the Ministry of Finance in all provinces, autonomous regions, municipalities directly under the Central Government and cities specifically designated in the State plan, the Shanghai Head Office, branches, business management departments, central sub-branches of all provincial capitals, the central sub-branches of Dalian, Qingdao, Ningbo, Xiamen and Shenzhen of the People's Bank of China, State-owned Commercial Banks, Joint Stock Commercial Banks and the Postal Savings Bank of China,

With a view to thoroughly carrying out the spirits of the Third Plenary Session of the 17th Central Committee of the Chinese Communist Party and the Central Rural Work Conference, accelerating the implementation of the development strategy of expanding employment, improving the policy of fiscal interest discount for small-sum secured loans for the laid-off and the unemployed (hereinafter referred to as the Small-sum Secured Loan), safeguarding women's right of development, and managing well the work of increasing employment of women by starting businesses, upon approval by the State Council, relevant issues are hereby notified as follows:

    各省、自治区、直辖市、计划单列市财政厅(局)、人力资源社会保障(人事、劳动保障)厅(局)、妇联,财政部驻各省、自治区、直辖市、计划单列市财政监察专员办事处,中国人民银行上海总部、各分行、营业管理部、省会(首府)城市中心支行、大连、青岛、宁波、厦门、深圳中心支行,各国有商业银行、股份制商业银行、中国邮政储蓄银行:

    为深入贯彻落实党的十七届三中全会和中央农村工作会议精神,加快实施扩大就业发展战略,进一步完善下岗失业人员小额担保贷款(以下简称小额担保贷款)财政贴息政策,保障妇女发展权利,做好妇女创业就业工作,经国务院同意,现就有关事项通知如下:

1. Financial institutions handling Small-sum Secured Loans (hereinafter referred to as the Undertaking Financial Institution) may extend a new personal Small-sum Secured Loan of up to RMB 80,000 to a woman living in urban areas who meets the current conditions on applicants for Small-sum Secured Loans, with the methods of loan repayment, and calculation and settlement of interests determined by the borrower and lender through consultation. Where eligible women establish a partnership or organization to get employed, an Undertaking Financial Institution may extend a loan of up to RMB 100,000 to each of the women. The limit of loans extended to women living in rural areas shall be determined by reference to the provisions on the limit of loans extended to women living in urban areas, and specific conditions on applicants of rural areas shall be jointly determined by finance departments and departments of human resources and social security of all provinces (autonomous regions, municipalities directly under the Central Government), the branch offices of the People's Bank of China and the women's federation organizations.

       一、对符合现行小额担保贷款申请人条件的城镇妇女,小额担保贷款经办金融机构(以下简称经办金融机构)新发放的个人小额担保贷款最高额度为8万元,还款方式和计、结息方式由借贷双方商定。对符合条件的妇女合伙经营和组织起来就业的,经办金融机构可将人均最高贷款额度提高至10万元。农村妇女贷款额度参照城镇妇女执行,申请人具体条件由各省(自治区、直辖市)财政部门、人力资源社会保障部门、中国人民银行分支机构、妇联组织共同确定。

2. As of January 1, 2009, all Small-sum Secured Loans for meager profit projects extended to eligible women living in urban and rural areas by Undertaking Financial Institutions shall be fully granted with interest discounts by the central fiscal according to the actual loan amount (excluding the seven provinces and municipalities in eastern China), and no interest discount shall be granted where the stipulated term expires. Funds for interest discounts of the seven provinces and municipalities in eastern China shall be arranged under local fiscal budget. As for loans extended yet not fully repaid prior to the date of printing and distributing of this Notice, the portion whose interest has been settled shall not be retroactively adjusted.

       二、自2009年1月1日起,经办金融机构对符合条件的城镇和农村妇女新发放的微利项目小额担保贷款,由中央财政据实全额贴息(不含东部七省市),展期逾期不贴息。东部七省市贴息资金由地方财政预算安排。本通知印发之日前已经发放、尚未还清的贷款,已结息部分不作追溯调整。

3. Women's federation organizations shall fully display the advantages of being close to grass roots, women and families to manage well registration services for applications of women of rural areas for Small-sum Secured Loans, assist undertaking guarantee institutions and Undertaking Financial Institutions in rating of personal credit, and loan extension and recovery, and prevent and control loan risks. As for borrowers recommended by the women's federation organizations, finance departments and departments of human resources and social security shall urge the undertaking guarantee institutions and Undertaking Financial Institutions to simplify procedures and shorten the time of examination and approval to handle formalities for security and loan extension as quickly as possible. In principle, the undertaking guarantee institutions shall not require the borrowers to provide counter security.

       三、妇联组织要充分发挥贴近基层、贴近妇女、贴近家庭的优势,做好农村妇女申请小额担保贷款登记服务,协助经办担保机构和金融机构做好个人资信评估、贷款发放和回收工作,切实防范和控制贷款风险。对妇联组织推荐的借款人,财政部门和人力资源社会保障部门要督促经办担保机构和金融机构简化程序,缩短审批时间,尽快办理担保和贷款发放手续。经办担保机构原则上不要求借款人提供反担保。

4. Women of rural areas shall apply to the local women's federation organization for Small-sum Secured Loans in accordance with the principle of voluntariness, and shall be subject to the examination and verification by departments of human resources and social security. The women's federation organization shall investigate into the application of a borrower to get a thorough understanding of the production and living conditions of the borrower, assess the loan need and credit standing of the borrower and present recommendation opinions on the loan in accordance with the principle of prudence. A women's federation organization shall submit the application of an eligible borrower to the undertaking guarantee institution and Undertaking Financial Institution for examination and verification in a timely manner.

       四、农村妇女按照自愿原则向当地妇联组织申请小额担保贷款,并经人力资源社会保障部门审核。妇联组织应对借款人申请进行调查,深入了解借款人的生产生活状况,对借款人的贷款需求和信用状况进行评估,按照审慎原则出具贷款推荐意见。对符合条件的借款人,妇联组织应及时提交经办担保机构和金融机构审核。

5. Departments of human resources and social security of all regions shall, on the basis of the existing community labor security platform, actively explore and play the role of women's federation organizations in promoting the extension of Small-sum Secured Loans for women of urban areas, and manage well registration services for Small-sum Secured Loans applied by unemployed women of urban areas. Women of urban areas may apply for Small-sum Secured Loans with local women's federation organizations, and shall be subject to the examination and verification by departments of human resources and social security.

       五、各地人力资源社会保障部门要在现有社区劳动保障平台的基础上,积极探索发挥妇联组织在促进城镇妇女小额担保贷款发放中的作用,进一步做好城镇失业妇女申请小额担保贷款登记服务工作。城镇妇女可以向当地妇联组织申请小额担保贷款,并经人力资源社会保障部门审核。

6. Women's federation organizations shall cooperate with departments of human resources and social security, undertaking guarantee institutions and Undertaking Financial Institutions in the preparation before loan extension, management during the term of the loans and review after the repayment of the loans. Strengthen training for women who intend to be self-employed by starting businesses, instruct women to choose proper projects to start businesses, follow up project implementation, clearly understand the family status, projects in need of loans, loan amounts and capability of repayment, actively help the women who apply for loans solve difficulties, and effectively enhance their capability of self-employment by starting businesses and increasing income and wealth.

       六、妇联组织要配合人力资源社会保障部门、经办担保机构和金融机构,做好贷前服务、贷中管理和贷后核查工作。加大创业就业妇女培训力度,指导妇女选择合适的创业项目,跟踪项目实施,做到家庭情况清、贷款项目清、贷款数额清、还贷能力清,积极帮助解决承贷妇女困难,切实增强妇女创业就业和增收致富能力。

7. Finance departments, departments of human resources and social security and branch offices of the People's Bank of China of all regions shall attach great importance to the work of Small-sum Secured Loans to women, effectively take the advantages of women's federation organizations in terms of organization, publicity and carrier to well implement the policies of Small-sum Secured Loans and well perform the work of raising the employment of women by starting businesses. Finance departments at all levels shall provide fund guarantee for local women's federation organizations to carry out the work of Small-sum Secured Loans.

       七、各地财政部门、人力资源社会保障部门、中国人民银行分支机构要高度重视妇女小额担保贷款工作,切实利用妇联组织的组织优势、宣传优势和载体优势,落实好小额担保贷款政策,做好妇女创业就业工作。各级财政部门要对当地妇联组织开展小额担保贷款工作给予经费保障。

8. Women's federation organizations with solid basic management, diligent loan management and high recovery of small-sum secured and recommended loans shall be included in the current incentive mechanism for Small-sum Secured Loans, the assessment and incentive standards of which shall be determined by finance departments at the provincial level in conjunction with departments of human resources and social security, branch offices of the People's Bank of China and women's federation organizations. Incentive funds shall be used as subsidies for the working expenses of local women's federation organizations at all levels.

       八、对基础管理工作扎实、贷款管理工作尽职、小额担保推荐贷款回收率高的妇联组织,纳入现行小额担保贷款奖励机制,由省级财政部门会同人力资源社会保障部门、中国人民银行分支机构、妇联组织等确定考核和奖励标准。奖励资金用于地方各级妇联组织的工作经费补助。

9. Finance departments, departments of human resources and social security, branch offices of the People's Bank of China and women's federation organizations of all regions shall strengthen departmental communication and coordination, establish the joint working mechanism for the work of Small-sum Secured Loans undertaken by grass root women's federation organizations. Women's federation organizations at the provincial level shall enhance assessment and management over grass root women's federation organizations, summarize applicable experience and good practices of local women's federation organizations at all levels in carrying out the work of Small-sum Secured Loans in a timely manner, and gradually establish and improve an effective incentive and restaint mechanism. 

Finance departments of all regions shall, in conjunction with local departments of human resources and social security and branch offices of the People's Bank of China promptly forward this Notice to relevant financial institutions within their respective administrative regions.

Ministry of Finance 

Ministry of Human Resources and Social Security

People's Bank of China

All-China Women's Federation

July 27, 2009

       九、各地财政部门、人力资源社会保障部门、中国人民银行分支机构、妇联组织要加强部门沟通协作，建立基层妇联组织小额担保贷款工作联动机制。省级妇联组织要加强对基层妇联组织的考核管理，及时总结地方各级妇联组织开展小额担保贷款工作的好经验、好做法，逐步建立和完善有效的激励约束机制。

    请各地财政部门联合当地人力资源社会保障部门、中国人民银行分支机构将本通知速转发至行政区域内相关金融机构。

财政部

人力资源社会保障部

中国人民银行

中华全国妇女联合会

二○○九年七月二十七日