Take The Venture Loan As A Relief Bank To 50 Unemployed People.

[lawsuit] 42 guarantors joined the defendants together. In March of this year, 50 creditors with malicious debts and 42 guarantors were separately taken to court by the bank.

Among these people, there are enterprises and laid-off workers.

Some of them are in arrears of up to 3 years, and the amount of loans is at least 20 thousand yuan, up to 500 thousand yuan.

Now that the repayment period has passed, they have not paid back a penny.

One of the malicious arrears was an advertising company on Furong Road, because the company arranged some laid-off workers. In accordance with the relevant policies, he applied for 500 thousand yuan of small and medium sized enterprises secured loans, provided by the government discount support.

However, after the maturity of the loan, Wan Mou has been malicious in debt.

The small guarantee loan center of the city has urged the borrower through various channels, but he still refuses to repay the loan.

In March 24th, Wan Mou and banks and related departments "disappeared", which was forced to be detained by the court on that day, and became the first person to be detained in Changsha.

Under pressure, 10000 yuan returned 50 thousand yuan debt on the same day, and signed repayment agreement.

Some people have made loans as a relief fund. Changsha has been implementing small loans for reemployment since 2003.

At the very beginning, the loan targets were laid off workers from state-owned enterprises and large collective enterprises.

The laid-off workers who meet the requirements can borrow 20 thousand yuan per person, the repayment period is 2 years, and enjoy the government discount.

Since then, small loans have been lowered in the city.

The loan target has also been extended to entrepreneurial personnel, demobilized soldiers and university students. In order to reduce the loan threshold, the conditions for the guarantor have also been relaxed.

According to statistics, by February 2008, loans had been issued for 57 million 857 thousand yuan, 3247 laid-off workers had directly enjoyed loans, and 7340 jobs had been created.

On the other hand, at present, Changsha has a total of 100 thousand eligible applicants for small loan guarantees, while loans are limited.

The failure of some lenders to repay loans in time has become a burden.

In 2007, the small loan non-performing loan ratio in Changsha amounted to 12%.

Some of these loans are due to personal integrity. Some of them are unable to return because of poor management or no cash flow after investment. But some people regard small loans as the "relief funds" of the government to improve their lives and do not return the idea.

In bad loans, malicious loans accounted for 80%.

According to the situation, the labor department will deal with the situation according to the circumstances: the malicious loan lenders should be recovered by legal means; if the capital turnover is difficult, they will be allowed to extend the repayment period; for those who can not afford it, hang up temporarily and renew their debts.

Lai Jianhui, director of the Changsha reemployment Small Loan Guarantee Center, said that the loan money is the bank, the government only provides the interest discount, the bank as the market main body can not make the losing money business.

Owing to the loan will face a series of serious consequences: anyone who has applied for a small loan in Changsha's labor department and provided a guarantor for the lender, if there is no loan and no renewal procedures, the bank will include the borrower and the guarantor in the black list of malicious debts. Once it is listed on the blacklist, the borrower and the guarantor will not be able to make loans for life.

"Microfinance" is a "hematopoietic agent" that helps laid-off workers realize their dream of starting an undertaking, not the government's "relief fund".

According to Lai Jianhui, offering reemployment small loans to laid-off workers and subsidized by the government in order to enable workers to start their own businesses after laid-off is a supportive policy of the government. Those who enjoy this policy should ensure that they are earmarked for special purposes.

If it is not returned on time, it will be punished by law.

In accordance with the requirements, how to apply for loans, small claims, loans, small claims, loans, voluntary applications, grass-roots labor and social security agencies and district and county (city) labor and social security bureaus shall be qualified for qualification examination and project evaluation at a level by stage, the municipal Guarantee Center shall examine and promise to guarantee, and the procedures for issuing loans by commercial banks or rural credit cooperatives in the form of small loan secured loan business shall be carried out.

Those who apply for small loan guarantee, apply relevant materials and valid certificates, apply to the grass-roots labor and social security institutions at their place of residence, and fill in the application forms for small claims loans (five copies). After preliminary examination by the grass-roots labor and social security institutions, they will be recommended to the district and county (city) labor and social security bureaus; after the district and county (city) labor and social security bureaus review the case, they will apply directly to the labor security small enterprises of the city Guarantee Center directly to the district and county (city) labor and social security bureau where the project is located.

The municipal Guarantee Center shall be submitted to the joint meeting for approval after reexamination, and then recommended to the management office and the society.

The default rate of university loans is 28.4%. The main person in charge of the people's Bank of China has revealed that the default rate of student loans in China is as high as 28.4%.

Another person in charge of another bank told reporters: "the maximum loan amount for student loans in 4 years is 30 thousand yuan. In the 5 years from 1999 to 2004, the data of Liaoning provincial universities and colleges have accumulated 6216 student loans, amounting to 65 million 440 thousand yuan, while the default amount has reached 3597, and the default amount has reached 44 million 470 thousand yuan.

57% of graduates defaulted, and the rate of bad student loans was 68%, which was astonishing, so the bank had to suspend the business.

The ICBC Beijing branch has released more than 1200 personal information of students who are in arrears with student loans online.

"Since the operation of the credit information system on-line, the bad rate has dropped significantly.

Banks send information to students who owe their loans to the credit reporting system. When they deal with credit cards and mortgage loans, banks need to inquire about their credit information according to the rules. If they are bad customers, they will refuse to handle them.

A bank head of the gold Department said.

According to Xinhua news agency, Harbin, the 63 loan arrears paid 830 thousand yuan, the reporter learned from the Labor Department of the city of Hong Kong, after nearly 20 days of work, 63 arrears of small loans have been repaid.

By the end of last year, there were 1243 small loans in the urban area of Harbin City, with a sum of 20 million 370 thousand yuan, which directly affected the laid-off workers who intend to make their own jobs and start their own businesses through small loans.

Since February 26th, Harbin city's labor and social security departments, financial departments and Bank of Harbin jointly carried out overdue loans and clearing work in the urban area, and visited people by door and door, and vigorously publicized the preferential policies for clearing work and adverse consequences of overdue loans, and urged borrowers to repay in time.

Zhengzhou: 19 laid-off workers owe loans to defendants. The people's Court of Zhongyuan District of Zhengzhou accepted the first batch of 19 small and secured loans from laid-off workers in the city after being overdue. At present, only 3 "defendants" voluntarily repaid before the court's decision.

The 19 laid-off workers applied for small loans between September 2003 and the end of 2004, with a minimum loan of 4000 yuan and a maximum of 20 thousand yuan.

By the end of 2006, after the repayment period, although the city small secured loan center worked hard, and through judicial channels issued letters of credit to these lenders, they still refused to repay.

In November 2007, the loan guarantee center filed a complaint, bringing 19 laid-off workers to court.