Borrowers Have Difficulties.

"Small guarantee loan is good, but it's too much trouble to loan."

Recently, Song Yun, the first small loan beneficiary in Bengbu, said so when he saw reporters.

Lu Yun, a laid off worker with a disability of both lower limbs, was lucky enough to become the first small loan beneficiary in Bengbu in August 13th last year, because he did not want to lie at home for food relief. After many efforts, he was the first disabled person in the city to make loans from nothing to start his own business.

She took out a photocopy of the mortgage pfer book issued by the Bengbu small and medium sized enterprise Credit Guarantee Corporation, and told the reporter: "our house has already given the building licence to the Guarantee Corporation for safekeeping. Originally it thought that it could borrow 20 thousand yuan from Bengbu commercial bank at once, but it could not get their trust, and each time they had to go through many formalities before they could borrow 00 scattered funds."

She said that the first loan was only 1500 yuan.

Using this sum of money to install a fixed telephone and buy several second-hand sewing machines, there will be very little left.

When applying for a loan for second times, the Bengbu commercial bank ZTE branch only offered 3500 yuan.

Because she could not buy cheaper cloth in the field, she had to buy more than 1000 yuan of quilt cover in Bengbu. "No scale benefit, no money, but money loss."

Song Yun said.

The reporter saw Song Yun's passbook in ZTE branch, from August 26, 2003 to May 25, 2004, she divided 9 times, altogether removed 15500 yuan from the bank.

She also told reporters that she had paid nearly 4000 yuan.

She said she had lost the initiative to start her business and was always worried about the debt of 20 thousand yuan.

Bengbu City Commercial Bank ZTE branch of Zhai Xing Jia president in an interview with reporters, Song Yun loan is a discount interest loan.

As the first small loan beneficiary in Bengbu, several of our relevant departments have a positive attitude towards their business.

However, her expense plan includes children's tuition fees, telephone installation fees and living expenses, which brings us to the problem.

Song Yun once told the bank staff that he wanted to borrow 6500 yuan to make western trousers.

When the bank gave her the loan, she found that she had no such ability.

Lu Shunping, general manager of Bengbu small and medium enterprises Credit Guarantee Corporation, said Song Yun did not have the loan conditions at that time.

It is the street where she wants to promote the laid-off workers' Entrepreneurship before reporting it.

"She wants to make things bigger, but she doesn't have the conditions to make bigger ones."