The maximum amount of entrepreneurial loans for college students in Anhui Province can reach 300,000 yuan.

According to the announcement issued by Anhui government departments, Anhui Province will support graduates to start their own businesses by implementing asset-free mortgage and counter-guarantee loan financing services. The Anhui Provincial Department of Finance set up 10000000 yuan in the bank to support entrepreneurship development, which enlarged the total loan scale to10 times of the guiding funds, and guided municipal state-owned guarantee companies and provincial cooperative banks to implement the loan financing mode of twice the assets mortgage for college graduates who have founded small and micro enterprises for more than two years and graduated within five years, and granted loans of no more than 3 million yuan according to the development prospects of established enterprises to solve the problems of insufficient mortgaged assets and small loan amount. The term of entrepreneurial loans for college students in Anhui Province is 1~2 years. After 2 years, the lenders will no longer enjoy the financial discount of Anhui Province.

The application conditions for college students' entrepreneurial loans in Anhui Province are as follows:

1, must have a college degree or above;

2 loan applicants should have stable income and the ability to repay principal and interest;

3. Not employed for more than half a year after graduation, and registered as unemployed in the local labor and social security department;

4. The project invested by the loan applicant has a certain amount of project funds;

5. The loan applicant must have a fixed residence or business premises.

The application materials for applying for college students' entrepreneurial loan in Anhui Province include: employment unemployment registration certificate issued by labor and social security department, army certificate issued by military retirees, graduation certificate of college students, land-lost certificate or certificate of returning home to start a business issued by township (street) labor and social security station.

Second, Hefei venture loan policy 202 1

Preferential policies and application requirements for college students' entrepreneurial loans

Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; If you start a business with a certain scale or become a re-employment star, you can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers and college students to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers and college students launched in many areas can also enjoy a 60% discount from the government.

College students' entrepreneurship loan is a preferential measure provided by the state to college students. 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.

Loan requirement

(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;

(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment; (5) Open a settlement account in a bank, and the operating income will be settled by the bank.

preferential policy

(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, with the balance.

(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year and levied enterprise income tax by half in the second year with the approval of the tax authorities; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.

(3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.

Relax the field of entrepreneurship

All kinds of entrepreneurs can enter industries and fields not prohibited by laws and regulations and enjoy relevant preferential policies equally.

Relax the registration title

Enterprises and individual industrial and commercial households that bid in accordance with the law are not restricted by registered capital, and are titled as "Anhui Province", which is directly declared and approved by the Municipal Administration for Industry and Commerce.

Relax the scope of preparatory business license.

If the business scope of the enterprise applying for registration involves pre-administrative examination and approval, but we are unable to submit the examination and approval documents and certificates, the industrial and commercial authorities may mark "preparation" after changing the business scope, and issue a business license for the preparation period.

"Zero Down Payment" for College Students' Entrepreneurial Registered Capital

College graduates who invest less than 500,000 yuan to set up a limited liability company within two years after graduation can register with "zero down payment" and pay their registered capital in full within three years from the date of establishment of the company.

Clarify the registered proportion of non-monetary assets.

Investors are allowed to set up small and medium-sized enterprises with intellectual property rights, scientific and technological achievements and other non-monetary assets at a fixed price, and intangible assets can contribute up to 70% of the registered capital of the enterprise.

Exempt from administrative expenses

Administrative fees related to management, registration and certification for college graduates, registered unemployed persons and returning migrant workers.

Clear entrepreneurial support groups

For college graduates and secondary vocational and technical school graduates within two years of graduation, registered unemployed people, returning migrant workers, etc. Engaged in individual business according to law, in addition to the exemption of relevant administrative fees, self-raised funds are insufficient, can apply for a small secured loan of not more than 50 thousand yuan; In line with the conditions of small-scale low-profit enterprises, enterprise income tax will be levied at a reduced rate of 20%, and a certain proportion of loan interest will be given according to regulations.

Preferential policies for entrepreneurship support

For informal employment organizations, industrial and commercial registration is exempted within three years: those who have been operating normally for more than 12 months and paid social insurance according to law will be given a one-time subsidy of 2,000 yuan/person for entrepreneurs and 4,000 yuan/person for those with employment difficulties; Entrepreneurial entities that recruit registered unemployed persons, sign labor contracts for more than 1 year and pay social insurance premiums according to law will be given a one-time subsidy of 1500 yuan/person, and a one-time subsidy of 2,000 yuan/person for those with employment difficulties.

Preferential policies of pioneer park

For entities established according to law, such as college graduates and secondary vocational and technical school graduates, registered unemployed people, returning migrant workers, etc. Within 2 years after graduation, in addition to relevant administrative fees, property management fees, health fees and other management fees will be exempted, venue fees will be halved, and utilities will be appropriately reduced. The reduced part is paid from the site fee paid by half: for those with insufficient self-raised funds, small secured loans can be provided; Recruit people with employment difficulties, sign labor contracts for more than one year and pay social security fees according to law, and give social security subsidies for the corresponding period; Recruit zero-employment family members in cities and towns, and give them a one-time employment reward; For the low-profit enterprises that leave the park after the expiration of three years of cultivation, if they are in line with labor-intensive small enterprises, they can provide two small secured loans to support them.

Preferential tax policies for college graduates and secondary vocational and technical school graduates to start businesses within two years after graduation.

College graduates and secondary vocational and technical school graduates within two years of graduation are exempted from labor and personnel agency fees when starting a business, and enjoy linkage services such as entrepreneurial projects, entrepreneurial training and information consultation free of charge; Entrepreneurial projects in line with the city to encourage the development of industrial fields, to give small secured loans and discount support. College graduates who have graduated for two years and are engaged in self-employment according to law shall be exempted from business tax, urban maintenance and construction tax, education surcharge and personal income tax within one year from the date of first registration by the administrative department for industry and commerce; For college graduates and secondary vocational and technical school graduates who set up and lead scientific and technological enterprises in scientific and technological enterprise incubators created by governments at all levels and pioneer parks within two years after graduation, they are exempt from paying rent within three years; Engaged in community service industry and agricultural entrepreneurship, according to the number of employed people, give special entrepreneurship subsidies.

3. How to apply for college students' entrepreneurial loans in Huainan City, Anhui Province? What is the procedure?

Loan business introduction (1) Loan target: enterprises (institutions), individual industrial and commercial households or natural persons with China nationality and full civil capacity approved and registered in the service area (or competent authority) of rural credit cooperatives. (2) Loan conditions: the loan has marketable products, and the production and operation are profitable, and the following requirements are observed: 1, and the loan has the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; Repayment plan; 2. Except for natural persons and non-natural persons, the annual inspection procedures shall be handled by the industrial and commercial departments; 3. Deposit in the general deposit account of the lending institution and deposit in this account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis; 4. To apply for guarantee or mortgage loan, there must be loan collateral or pledge. The loan guarantor must open a deposit account in a rural credit cooperative and have a good economic entity. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations, and in principle should be real estate (such as housing, which is highly commercialized and easy to realize). 5. The borrower's asset-liability ratio shall not be higher than 70%. 6. The owner's equity and self-financing ratio of the applicant for fixed funds must meet the requirements of the State Council, and must be based on the important information of project management. 7. Except for state affairs and joint stock limited companies, the accumulated amount of overseas equity investment shall not exceed 50% of its net assets; 8. The borrower must go through the loan inspection procedures according to the regulations of the People's Bank of China. Rural credit cooperatives loan application → loan investigation → loan review → issuance → post-loan inspection → loan recovery. ...

4. What is the maximum amount of entrepreneurial loans for college students in Anhui Province?

Just check any school website. Nowadays, the financial crisis countries encourage college students to start businesses, and our school posts relevant policies for starting businesses every year! And I really want to go up every year!