The content is as follows.

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 Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.

Three. Loan method:

Small loans for college graduates to start their own businesses are secured by mortgage.

Four. Relevant explanation

The specific operation method can be consulted with 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.

March every year is a crucial period for college graduates to choose their career development direction. Postgraduate entrance examination? Going abroad? Or start your own business? No matter what you do, you must make a choice. In recent years, the employment situation has become increasingly severe, and more and more college students are trying to take the road of entrepreneurship. The state, society and universities all strongly support this, and many college students start their own businesses. However, due to the lack of experience, awareness and ability, college students still face many difficulties in starting a business, and some people don't even know where to start.

Preferential policies for college students' entrepreneurship

The complete handbook policy for college students' entrepreneurship pays attention to the preferential policies for college students' entrepreneurship. In recent years, in order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. For college students who plan to start a business, only by understanding these policies can they take the first step in starting a business. According to the relevant regulations of the state and the Shanghai Municipal Government, the fresh college graduates in Shanghai can enjoy four preferential policies, including free risk assessment, free policy training, free loan guarantee and partial tax relief, including:

■ 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 economic contract demonstration text cost within 1 year from the date of approval of business. 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.

■ 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 for college students to help them better grasp market opportunities.

Necessary hardware for college students' entrepreneurship

Expert analysis

The necessary hardware for college students to start a business are:

College students are enthusiastic about starting a business, but the success rate of starting a business is obviously low due to lack of experience, ability and consciousness deviation. In this regard, Xu Benliang, a college student entrepreneurship guidance expert and president of Shanghai Entrepreneurship Education and Training Center, believes that college students must have the following hardware to start a business:

Hardware 1: experience

University growth expectation On campus, lack of understanding of society, especially in market development and enterprise operation, it is easy to fall into the misunderstanding of arrogance and empty-handed. Therefore, college students should be fully prepared before starting a business. On the one hand, they should work or practice in enterprises and accumulate relevant management and marketing experience. On the other hand, actively participate in entrepreneurship training, accumulate entrepreneurial knowledge, receive professional guidance, and improve the success rate of entrepreneurship.

Hardware II: Funds

According to a survey, 40% of college students think that "capital is the biggest difficulty in starting a business". Indeed, no matter how clever a woman is, she will not cook without rice. Without funds, even the best ideas can't be transformed into real productivity. Therefore, capital is a mountain for college students to climb when they start a business. College students should explore new ideas and raise funds through multiple channels. In addition to traditional channels such as bank loans, self-raised funds and private loans, we can also make full use of financing channels such as venture capital, angel investment and venture capital.

Hardware III: Technology

Exchanging intelligence for capital is a characteristic way for college students to start their own businesses. Some venture capitalists are often willing to fund their business plans just because they take a fancy to the advanced technology mastered by college students. Therefore, college students who intend to start businesses in high-tech fields must attach importance to technological innovation, develop products with their own independent intellectual property rights and attract investors.

Hardware IV: Ability

Because of long-term exam-oriented education, college students are unfamiliar with the "rules of the game" and have outstanding skills, and their abilities in financial management, marketing, communication and management are generally insufficient. To succeed in starting a business, entrepreneurs must attach importance to both technology and management. It is suggested that you can start with partnership, family business or low-cost virtual shop to exercise your entrepreneurial ability.

Four Directions of College Students' Entrepreneurship

Although there are unlimited business opportunities in the current entrepreneurial market, it is not "peanut duran" for college entrepreneurs with limited capital, ability and experience. In this case, college students can only find a "foothold" according to their own characteristics in order to find a new world that really suits them.