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 period: the state provides 0 ~ 2 years of small-scale entrepreneurial loans for college graduates, and no longer enjoys financial interest subsidies after 2 years.
Third, the loan method: micro-credit loans for college graduates to start their own businesses.
Four. Legal procedures related to starting a business
Investment in the establishment of enterprises must be conducted in accordance with relevant laws. Its project is mainly responsible for tax registration procedures and bank account opening procedures.
Five. Application materials in applying for such loans, there are three more important points:
1, the loan applicant must have a fixed residence or business premises.
2. Business license and business license, stable income and debt service ability;
The most important thing is that the projects invested by entrepreneurs already have their own funds.
develop
Advantages of college students' entrepreneurship
1, college students are full of hope for the future. College students have young blood, exuberant vitality and the spirit of "newborn calves are not afraid of tigers". These are entrepreneurs.
2. Academic and professional advantages College students have learned a lot of theoretical knowledge during their school years. They have high-level technological advantages, and the most promising career at present is to establish high-tech enterprises. The importance of technology is self-evident. The characteristic of college students' entrepreneurship is to exchange intelligence for capital. Some venture capitalists usually take a fancy to the advanced technology mastered by college students and are willing to have certain internal relevance with most courses offered during the period. What students learn from it is an idea and a kind of help.
3. College students are innovative. Universities provide a platform for college students, such as student associations, so that students can exercise their skills in business and handling affairs. In addition, colleges and universities all over the country have held various innovation competitions for college students to guide their awareness of entrepreneurship and innovation. Holding ideas and challenging the confidence and desire of traditional industries is the source of motivation for college students to start their own businesses.
4, college students have strong conceptual ability. With the standardization of market economy, enterprises are closed to the outside world, making scientific decisions, and starting a business is not something that can be put into action without any preparation. Entrepreneurs should have enough knowledge to understand the process of planning analysis, registration selection and brand management. Compared with other entrepreneurs in society, such as farmers, college students have a strong advantage in these highly conceptual theories.
5. Advantages of college students' team combination College students are formed by the team organizer's own network, and members are familiar with each other. Because of trust, it is easier to accept * * *, which increases the cohesion of the team and reduces some risks. Each member has his own advantages and plays different roles in the team, with complementary resources and good team complementarity. Building an efficient team is the beginning of success.
2. How to register an account to log in to Xuexin.com?
1, open a computer browser and enter "Xue Xin". Com "and search. Find the official website of Xuexin.com in the search results, and click enter.
2.Xuexin.com is also called China Higher Education Student Information Network. After entering Xuexin.com's homepage, slide down to find the "Xue Xin Archives" column on the right.
3. Click the Register button below the learning letter file column.
4. Fill in the corresponding mobile phone number, password, name, ID number and other information in the real-name registration interface.
5. After filling in the information, click Register Now below. At this point, the operation steps of registering Xuexin.com account are completed. Just log in with the registered account password.
Precautions:
1. It is recommended to use common mobile phone numbers for real-name registration. Please set the password to be easy to remember when registering.
2. "Xuexin.com Account" can be used to log on to various service platforms in Xuexin.com. The supporting platforms include: Xue Xin Archives (including photo proofreading and school registration information checking), China Graduate Admissions Information Network, College Entrance Examination Special Enrollment Registration Platform, National Recruitment Network, Xue Xin Employment, Mainland (Mainland) Colleges, Hong Kong, Macao and Taiwan Admissions Information Network, Academic Career Platform, New Career Network and National College Student Entrepreneurship Service Network. If you register an account when using these services, you can use them. For example, if you have proofreading images, you can use this account for online registration, military service registration, enlistment and so on. , there is no need to register your account again.
Third, how to register a company for college students to start a business
College students should pay attention to the classification of companies when registering their own enterprises.
There are only two provisions in China's Company Law: one is a limited liability company and the other is a joint stock limited company.
The second company is an enterprise legal person, with independent legal person property and legal person property rights, and is liable for the company's debts with all the company's property. Shareholders are liable for the debts of the company to the extent of their subscribed capital contribution, so their liability is limited.
Secondly, there are some organizational forms, such as individual industrial and commercial households, sole proprietorship enterprises, partnerships, farmers' professional cooperatives and so on.
None of the above forms is an enterprise legal person and has no independent property rights. The investor shall bear unlimited joint and several liability (limited partnership is added due to special circumstances in the new partnership).
So you can choose an organizational form to register. The minimum capital contribution of a registered company is RMB 30,000 (if there are higher provisions in laws and regulations, such provisions shall prevail). You need an accounting firm and other capital verification institutions to issue a capital verification report, as well as proof of residence, application for company establishment and other materials to apply for registration with the company registration authority.
The company is an independent legal person, has its own property, and its shareholders are only liable to the extent of their capital contribution, so they must have paid-in registered capital.
Fourth, the registration process of college students' entrepreneurial enterprises
Entrepreneurial inspiration illuminates life, and college students' entrepreneurship changes their destiny! To this end, I would like to share with you the registration process of college students' entrepreneurial enterprises. Please refer to.
On the Registration of College Students' Entrepreneurial Enterprises
1, the program is more simplified.
Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted.
2. Reduce various expenses.
Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". College graduates engaged in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record.
Reminder: According to the staff of the individual department of the Industrial and Commercial Bureau, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring the Employment Recommendation Form for College Graduates, graduation certificates and other related materials when going through the relevant procedures for starting their own businesses.
In terms of college students' entrepreneurial financial loans,
1, giving priority to loans and granting credit loans appropriately.
Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks.
2. Simplify the loan procedures.
By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time.
3. Preferential interest rate
Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate.
Reminder: Bank related persons such as China Bank, China Agricultural Bank, China Construction Bank, Minsheng Bank, CITIC Industrial Bank, etc. It is said that the bank has not yet launched the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person concerned in the office of CITIC Industrial Bank said that banks should also consider their security while pursuing the profitability and liquidity of funds. Compared with other loans, college graduates' self-employment loans are risky. College students have just graduated, lack social work experience, and have no suitable collateral or guarantee. Banks generally do not lend easily. Another person in the industry also said that even if college students have suitable projects at hand, this is only an individual phenomenon. As an enterprise, the input cost and income of such loans issued by banks are not proportional.
In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. At present, a number of banks have offered personal business loans to natural persons with permanent residence or valid residence status in cities and towns and over the age of 18. This kind of risky loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans.
College students pay taxes on entrepreneurship.
College graduates who are engaged in self-employment are exempted from tax registration certificate 1 year from the date when the business department approves their operation. Newly established urban labor and employment service enterprises (except industries restricted by the state), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees, may be exempted from income tax for 3 years with the approval of the competent tax authorities. After the expiration of the tax exemption period for labor employment service enterprises, if the newly placed unemployed persons account for more than 30% of the total number of original employees of the enterprise in that year, the income tax may be halved for 2 years with the approval of the competent tax authorities.
Guess you are interested in:
1.20 17 college students' entrepreneurial loan process
2.20 17 process for college students to apply for business loans
3.20 17 conditions and procedures for college students to apply for interest-free loans for starting a business
4.20 17 interest-free loan policy for college students' entrepreneurship
5.20 17 preferential policies for interest-free loans for college students' entrepreneurship
6.20 17 Requirements for College Students' Entrepreneurship Loan