The loan amount applied for is 20,000 to 50,000 yuan;

In the case of partnership, the maximum is 6.5438+10,000 yuan, calculated at 20,000 yuan per person.

The loan term is generally 1 year, and the longest is no more than 2 years. You can renew it when it expires.

After the loan expires, graduates who repay the loan on schedule and meet the prescribed conditions can apply for loan discount directly to the county (city) and district employment management service agencies, and after examination, the financial department will give 50% discount.

Graduates applying for small secured loans should apply to the social security agency in the street (township) where their household registration is located for loan qualification identification, fill in the qualification identification form for small secured loans, and provide their ID card and photocopy, household registration book and photocopy, unemployment registration certificate and photocopy, feasibility and benefit evaluation report of entrepreneurial projects, relevant collateral and third-party guarantee certificate and other credentials.

First, the application conditions:

1, college degree or above;

2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.

Second, the loan term: the small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1 ~ 2 years. No longer enjoy financial discount after 2 years.

Third, loan methods: the micro-loan methods for college graduates to start their own businesses are guarantee and mortgage (pledge) loans. Four, the specific operation method can be consulted to the local labor and social security bureau.

In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.

Venture capital: refers to all the capital invested by entrepreneurs when starting a business. Including employment training to improve entrepreneurs' ability, store leasing, store decoration, store display of goods and liquidity of different amounts.

Sources of venture capital: one is self-financing and the other is social financing.

Application procedure of college students' venture capital.

1. College graduates (including junior college students, undergraduates and graduate students) who are engaged in self-employment shall be exempted from self-employment registration fee, self-employment management fee and demonstration text cost of economic contract within 1 year from the date of approval of operation. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years.

2. College students who start their own businesses can apply for a loan guarantee of up to 70,000 yuan from the bank and enjoy a loan discount.

Shanghai has set up a special entrepreneurship education and training center for recent college graduates to provide free project risk assessment and guidance to help them better grasp market opportunities.

Audit conditions

College students should pay attention to the following problems when starting a business: First, they should have mature psychological preparation, which is more suitable for starting a business; Second, don't be superstitious about your own creative projects or your own patented technology or achievements, and conduct full market research; Third, don't want to "eat a fat man in one bite", but have a stable entrepreneurial mentality; Fourth, it is best for college students to start a business in partnership rather than alone.

Requirements of banks for loan applicants:

(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;

(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) The borrower has certain self-owned funds for investment projects;

(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;

(5) Open a settlement account in the bank, and the operating income will be settled by the bank.

Loan applicants need to provide application materials.

(1) Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;

(2) Proof of repayment ability such as personal or family income and property status;

(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;

(4) Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the person with the right to dispose of it agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.

References:

Venture Capital Baidu Encyclopedia