The second step: preliminary examination. The Municipal Personnel Bureau is responsible for the pre-loan review of small loans, examining whether graduates meet the loan conditions, and whether the loan application project belongs to the small loan financial discount and meager profit project, and issuing a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.
Step 3: Review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit.
Step 4: Guarantee. The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided.
Step 5: Recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant.
Step 6: borrow money. College graduates (including junior college students, undergraduates and graduate students) engaged in self-employment are exempted from self-employment registration fees, self-employment management fees, and economic contract demonstration text cost. 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.