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<li id="c_h1">会泽县妇联“贷免扶补”流?/li>
<li id="c_h2"><span>来源：县妇联 点击次数?script type="text/javascript" src="http://search.qjdwgk.gov.cn/click/default.ashx?id=6708"></script> 发布日期?012-11-20</span></li>
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<p class="msonormal" style="text-align: center; text-indent: 36.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;" align="center"><strong style="mso-bidi-font-weight: normal;"><span style="font-family: 黑体; font-size: 18pt;">会泽县妇?ldquo;贷免扶补”工作流程</span></strong></p>
<p class="msonormal" style="text-indent: 32pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><span style="font-family: 仿宋_gb2312; font-size: 16pt;" lang="en-us"> </span></p>
<p class="msonormal" style="text-indent: 32pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><span style="font-family: 仿宋_gb2312; font-size: 16pt;">按照自愿申请、妇联推荐、农村信用社核贷、就业经办机构和财政担保贴息审查的程序，办理小额贷款手续?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong style="mso-bidi-font-weight: normal;"><span style="font-family: 楷体_gb2312; font-size: 16pt;">（一）贷款申请：</span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">申请贷款的创业人员到各乡（镇）妇联小额贷款工作站，领取《创业计划书》、《云南省创业小额贷款申请审批表》进行填报?/span></p>
<p class="msonormal" style="text-indent: 32pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><span style="font-family: 仿宋_gb2312; font-size: 16pt;">申请贷款的创业人员应提供以下证明资料?/span></p>
<p class="msonormal" style="text-indent: 32pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><span style="font-family: 仿宋_gb2312; font-size: 16pt;" lang="en-us">1</span><span style="font-family: 仿宋_gb2312; font-size: 16pt;">、《身份证》；</span></p>
<p class="msonormal" style="text-indent: 32pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><span style="font-family: 仿宋_gb2312; font-size: 16pt;" lang="en-us">2</span><span style="font-family: 仿宋_gb2312; font-size: 16pt;">、《创业计划书》；</span></p>
<p class="msonormal" style="text-indent: 32pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><span style="font-family: 仿宋_gb2312; font-size: 16pt;" lang="en-us">3</span><span style="font-family: 仿宋_gb2312; font-size: 16pt;">、《营业执照》；（如<span lang="en-us">2009</span>年１?span lang="en-us">1</span>日后已办理工商登记注册的须提供）?/span></p>
<p class="msonormal" style="text-indent: 32pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><span style="font-family: 仿宋_gb2312; font-size: 16pt;" lang="en-us">4</span><span style="font-family: 仿宋_gb2312; font-size: 16pt;">、大学生应提供《毕业证》，农民工应提供《云南省农民工服务手册》，城镇复员退役军人应提供《复员证》或《退役证?span lang="en-us">,</span>下岗失业人员应提供《再就业优惠证》，为后续服务工作做准备。（按云人社发?span lang="en-us">2009</span>?span lang="en-us">13</span>号文件可享受税收优惠，从事农产品种植、养殖的按国?ldquo;三农”政策免税）?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（二）项目考察?/span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">乡（镇）妇联小额贷款工作站对贷款项目的可行性进行考察。上报县妇联，由妇联小额贷款工作站会同农信社客户经理或信贷员开展入户调查，逐户核实申请户的贷款项目、家庭及本人情况和资金需求情况，对创业计划，创业项目的市场风险、技术风险、管理风险、财务风险等方面进行评估，提出项目实施和贷款审核意见?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（三）资格认?/span></strong><strong><span style="font-family: 仿宋_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">?/span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">申请创业人员由乡（镇）进行初选，上报县妇联认真筛选后向县级农信社推荐，农村信用社会审，会审合格的由农村信用社向同级财政部门申请贴息。财政部门同意后，农信社将创业人员情况分别报县级劳动保障、财政部门备案并反馈县妇联?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（四）签订合同：</span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">农信社对贷款对象进行复查，根据批准的申请，与借款人订立《借款合同》，并办理有关手续，农村信用社在<span lang="en-us">3</span>个工作日内发放贷款?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（五）发放贷款：</span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">《借款合同》签订后，农信社以存折（或信用卡）的形式直接发放贷款?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（六）建立档案：</span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">各乡（镇）妇联工作站对贷款对象登记造册，建立贷款人员档案，并健全资金发放和回收情况的工作台帐?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（七）跟踪调查：</span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">各工作站对贷款户进行定期的贷款资金使用情况跟踪，及时向县妇联小额贷款工作站反馈信息，发现贷款中的不良行为时，应积极配合农信社及时追回贷款。借款人连续三个月或在合同期内累计六个月未按时偿还贷款，或发生其他违约情形的，农村信用社有权宣布该笔贷款提前到期，对借款人采取追索措施?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（八）还贷：</span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">借款人在规定时间内，按《借款合同》约定到指定农村信用社营业点还款。乡（镇）妇联小额信贷工作站与农村信用社建立还款信息沟通机制，及时掌控借款人还款情况，并按时报送县妇联?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（九）后续服务：</span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">为创业成功人员申请一次性创业补贴，总结和培树创业典型，做好宣传推广?/span></p>
<p class="msonormal" style="text-indent: 32.15pt; margin: 0cm 0cm 0pt; mso-char-indent-count: 2.0;"><strong><span style="font-family: 楷体_gb2312; font-size: 16pt; mso-hansi-font-family: 楷体_gb2312;">（十）建立信息沟通交流制度：</span></strong><span style="font-family: 仿宋_gb2312; font-size: 16pt;">在以上工作环节中，四?ldquo;帮扶”贯穿始终。把妇联工作?ldquo;帮扶”服务有机结合，建立培训、活动、信息沟通交流平台，提升贷款的经济效益、社会效益和人才效益?/span></p>
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