Of course. At present, many provinces and cities have introduced interest-free loans with unemployment certificates to encourage laid-off workers to start businesses again. In some cities in China, urban workers can apply for interest-free loans to start businesses with unemployment certificates. One: However, it should be noted that if you want to apply for a loan, you need to provide personal identity documents and business certificates related to entrepreneurship to prove your loan purpose and repayment ability. Second, the bank's loan interest rate is calculated by computer based on personal credit information, income, work and other information. In other cases, you can only keep the credit information and try to repay the credit card on time to avoid overdue. Three: loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Four: loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Five: The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency." Six: For example, if a long-term loan is granted, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. Seven. The emergence of loan risk often begins at the stage of loan review. What happened in the comprehensive judicial practice can be seen that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. Eight: In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

2. Can I apply for unemployment loan with unemployment certificate 20 10?

Yes, unemployment card loan processing flow:

1. Apply directly to the Employment Bureau 1, apply for a loan from the Employment Bureau Section, and submit the loan application materials;

2 employment bureau to review the loan materials submitted by the borrower;

3. Field visits by county-level institutions;

4. Eligible ones are recommended to loan financial institutions.

2. Apply through the township sub-district office 1. The borrower applies to the township (street) office in the place of business and submits the loan application materials;

2, the township street office to review the loan;

3, through the audit, the loan materials submitted to the Employment Bureau for approval;

4. Eligible ones are recommended to loan financial institutions. In addition, registered unemployed persons can also enjoy free public employment services and the prescribed unemployment insurance benefits with unemployment certificates; Graduates with unemployment certificates can enjoy certain preferential tax policies if they want to start a business.

3. Can I apply for an interest-free loan with unemployment certificate 20 10?

First, small secured loans are preferential policies for the state to support entrepreneurship. According to your situation, you can apply for a small secured loan. 2. The maximum loan for small secured loans is 654.38 million yuan, and the state will raise the interest rate by 3 percentage points. Third, the implementation of small secured loans belongs to the employment bureau where your household registration is located. The required procedures, certificates and procedures are as follows: (1) Handling loans directly by financial institutions Step 1: Lending by financial institutions. If the relevant loan application materials provided by the borrower meet the credit access after examination, the handling financial institution shall release them according to the regulations. /kloc-within 0/0 working days, provide the following materials to the local employment bureau (Labor and Social Security Institute of Credit Union District, the same below) for the record: 1, recommendation form for the guidance and entrepreneurship of handling funds; 2. Original and photocopy of industrial and commercial business license and tax registration certificate (copy of partner ID card of partnership enterprise); 3. The original and photocopy of the bank loan contract; 4. Personal documents: the original and photocopy of valid documents such as ID card, household registration book, re-employment concession card or unemployment certificate (employment unemployment registration certificate), and the proof that rural workers have started businesses in cities. Step 3: Qualifications: organize personnel to verify the project, employment status, business status and loan status of the applicant for filing, and submit the verified information to the labor security agency of the labor credit cooperative for review, handling and verification, and report it to the Labor and Social Security Bureau for review and confirmation, and report it to the Employment Bureau for filing after monthly summary). Step 4: Participate in training and provide entrepreneurial services. In accordance with the relevant policies and regulations on entrepreneurship to promote employment, the Employment Bureau timely organizes qualified personnel to participate in entrepreneurship training organized by the labor and social security department and entrepreneurship service organized by the Entrepreneurship Guidance Center of the Employment Bureau; Strengthen daily management and follow-up services. , and establish relevant basic management accounting, establish and improve the management service operation mechanism. (II) Small-sum secured loan institutions apply for loans. Step 1: The borrower participates in entrepreneurship training organized by the labor and social security departments, project provision and business guidance organized by the Entrepreneurship Guidance Center of the Employment Bureau, and obtains a certificate of passing the training (completion). Step 2: The borrower applies to the community where the household registration is located, fills in the Confirmation Form of Small Guaranteed Loan Application for Individual or Partnership Entrepreneurship in Guangyuan City, and provides relevant loan application materials. The borrower needs to submit the information to his account: 1, and the original and photocopy of the ID cards of both husband and wife; 2. The original and 3 copies of the household registration book of both husband and wife; 3. The original marriage (divorce) certificate or unmarried certificate and 3 copies; 4. Proof of business premises; 5. Original and 3 copies of the "SIYB" entrepreneurship training certificate; 6, small secured loan project demonstration report; 7. The original and 3 copies of the residence certificate issued by the community where the husband and wife live; 8. One-inch recent photo of husband and wife1; 9, "personal loan application form" 3 copies; 10, 3 originals and photocopies of industrial and commercial business license and tax registration certificate. The third step: community review. After the community where the borrower's household registration is located has passed the examination, it shall endorse the examination opinions on the Confirmation Sheet of Personal Loan Application, and report the qualified materials to the subdistrict office where the borrower's household registration is located. Step 4: Democratic appraisal and qualification examination. The subdistrict office where the borrower's household registration is located shall, after receiving the above information from the borrower, review the borrower's loan qualification and application materials within 5 working days, conduct on-the-spot investigation on the borrower's business premises, and organize democratic appraisal. The appraisal results were publicized in the neighborhood offices and communities where the borrower is located for 3 days, and the review opinions were endorsed on the "Personal Loan Application Confirmation Form". Finally, report all the materials that meet the loan conditions to the office of the local small-sum secured loan coordination leading group. Step 5: Review. The Office of the Small Guaranteed Loan Coordination Leading Group shall, within 5 working days after receiving the application materials, organize labor and social security, finance, employment, guarantee institutions and other units to conduct centralized and unified examination and approval of the loan application materials of the small secured loan applicants within their jurisdiction, and endorse the joint examination opinions on the "Personal Application Confirmation Form". Review financial institutions that meet the loan conditions and send them to undertake small secured loans. Step 6: Loan investigation. For the audited qualified small secured loan applications, the handling financial institutions shall conduct an investigation before lending, and notify the Office of the Small Secured Loan Coordination Leading Group whether to issue loan commitment opinions within 5 working days, and the applications requiring guarantee shall be reported to the Small Secured Loan Coordination Leading Group for examination and approval. Step 7: loan guarantee procedure. If the borrower meets the application conditions and needs to provide counter-guarantee procedures after examination, the borrower can provide counter-guarantee in the following four ways: 1. With the approval of the county labor and social security department, the small guarantee institution where the borrower is located shall conduct a review in accordance with the loan risk procedures. If the review needs to provide counter-guarantee procedures, the small guarantee institution shall handle counter-guarantee procedures in accordance with the regulations within 4 working days. 2. Upon the assessment and approval of the financial institutions that handle small secured loans, my house (with two certificates complete), automobiles, machinery and equipment (with purchase invoices attached), large durable consumer goods or securities can be used as collateral (pledge), and the registration department is exempt from mortgage registration fees for houses or other financial things used for mortgage. 3. Upon the assessment and approval of financial institutions handling small secured loans, the borrower provides counter-guarantee with the personal credit of on-the-job personnel of government agencies and institutions and other personnel with stable income. 4. If there is no third-party counter-guarantee, the borrower can counter-guarantee assets such as accounts receivable, trademarks, patents, equity and property rights upon the assessment and approval of financial institutions that handle small-sum secured loans. Meet one of the following conditions, can be exempted from counter-guarantee, by the relevant departments or institutions issued a certificate of review or proof of exemption from counter-guarantee. 1. Laid-off and unemployed workers who have participated in entrepreneurship training and passed the examination in the community where the pilot of establishing a credit union area is carried out, completed the project entrepreneurship plan and passed the expert argumentation, are recommended by the labor and social security department of the jurisdiction, and signed a loan commitment letter with the credit union area after the county labor and social security department has examined and agreed. 2, credit cooperatives engaged in individual business and apply for business license, recommended by the regional labor and social security departments, county and district labor and social security departments for approval. 3. There are more than 5 employees in government agencies and institutions, middle-level cadres (managers) in domestic-funded enterprises with good economic benefits and foreign-funded enterprises with a certain scale, and financial institutions can directly issue small secured loans. Step 8: borrow money. Upon examination, the handling financial institution shall sign a loan contract with the borrower and issue the loan to the borrower within 5 working days after signing the contract.