(1) application. Veterans apply directly to the handling bank.
(2) recognition. After the handling bank summarizes all the application materials, it will send the veterans' identity materials to the county veterans service center for review, and the county veterans service center will complete the review within 5 working days. Meet the conditions, sign the audit opinion and report to the County Bureau of Veterans Affairs. After collective research by the County Veterans Affairs Bureau, the appraisal opinions will be sent to the handling bank in time; Do not meet the conditions, notify the applicant in writing and explain the reasons.
(3) handling loans. The handling bank will complete the review of the application materials within 10 working days, including the verification of the loan project, the business status of the enterprise, the investigation and evaluation of the applicant's repayment ability, etc. Eligible, put forward the loan amount and repayment method, and complete the loan approval and issuance within 5 working days.
(4) filing. After the handling bank completes the loan approval procedures, it will send the approval materials to the county veterans service center for the record.
1. Policy convergence: On-the-job ex-servicemen and ex-servicemen in special public welfare posts arranged by the government are not included in the scope of business guarantee loans; You have applied for the business start-up guarantee loan specified in the Implementation Measures of Shandong Province for Business Start-up Guarantee Loan (Trial) (Lu Renshe [2065 438+07] 18), and you may not apply again.
2. Use of the loan: The venture loan shall be used for the start-up and operation expenses of the venture enterprise as agreed in the contract, and shall not be lent to others or provided as a guarantee for others, or used for purchasing securities such as stocks and futures or engaging in equity investment, or used for other purposes that violate relevant national laws and regulations.
Personal business loans and small and micro enterprise business loans shall be handled according to the following procedures:
1 application. Ex-servicemen themselves apply to the service station of ex-servicemen in the town (street) where they started their business, fill in the Confirmation Form for the Qualification of Ex-servicemen's Venture Loan, and provide application materials.
2 first trial. The town (street) service station for retired military personnel shall conduct on-site identification and information verification for retired military personnel, complete the review of application materials and on-the-spot investigation and evaluation of entrepreneurial projects within 10 working days, sign the preliminary examination opinions on the "Approval Form for Veterans' Entrepreneurship Loan Qualification" and report it to the county service center for retired military personnel.
3 qualifications. The county veterans service center will complete the audit within 7 working days, and the qualified signing qualification audit opinions will be met. After collective research by the county veterans affairs bureau, the qualification opinions will be sent to the handling bank in time; Do not meet the conditions, notify the applicant in writing and explain the reasons.
Apply for a loan. The handling bank shall complete the review of the application materials provided by the county veterans service center within 10 working days, including the verification of the relevant situation of the entrepreneurial project, the investigation and evaluation of the production and operation status and the repayment ability of the applicant. For those who meet the requirements, the retired military personnel shall be notified to go through the loan formalities in person (if supplementary materials are needed, the handling bank shall notify in advance), put forward opinions on the loan amount and repayment method, and complete the loan approval and issuance within 5 working days.
Records from five years ago. After the handling bank completes the loan examination and approval procedures, it shall timely submit the examination and approval materials to the county veterans service center for the record.
Conditional county veterans service center can jointly carry out examination and approval work with the handling bank, reduce links and shorten the time limit.