condition

Many students don't understand the policy.

The success rate of venture loans is not high.

On May 9th, the State Council issued the Notice on Doing a Good Job in Employment and Entrepreneurship of College Graduates in 20 14, pointing out that 20 14 to 20 17 will be implemented nationwide? College Students' Entrepreneurship Leading Program? .

According to the relevant policies, the annual loan period for college students is two years, and they can enjoy government interest subsidies, with an annual tax exemption of 8,000 yuan and a maximum loan amount of 65,438+10,000 yuan. If they apply for a joint loan, the loan amount shall not exceed 500,000 yuan.

However, according to Li Xinmin, deputy director of the Entrepreneurship Service Department of Henan Provincial Department of Human Resources and Social Security, there are about 5,000 college students who apply for small secured loans and succeed every year in Henan, accounting for only 1% of the graduates? .

? Xinxiang has more than18,000 college graduates every year, and only more than 500 students can get loans every year. ? According to You, director of Xinxiang Small Loan Guarantee Center, there are many reasons for the low success rate of loans, one of which is that many college students are not clear about policies.

Not long ago, some media conducted a survey on 100 fresh graduates from Hunan University, Central South University and other universities. The results show that 5 1% students have the idea of starting a business, and 1% students have already started a business. Among them, 34% expressed their understanding of the state's support policies for college students' entrepreneurship.

Many colleges and universities offer employment guidance courses, but some colleges and universities do not do a good job in explaining the national support policies and loan application conditions.

Teacher Guan, a counselor of a private university, said that he didn't understand the relevant policies of college students' entrepreneurship, but only read the documents and national policies conveyed by the school when the students were about to graduate.

reform

Xinxiang university Qianshou rensheju

Open a loan? Green channel?

On July 2nd, Henan Institute of Science and Technology established the guidance service center for college students' small loan guarantee. Zhang Zhenkun, a fresh graduate, got a two-year interest-free loan of 654.38 million yuan, enough to free him? Business? The problem of insufficient global liquidity.

At the beginning of this year, Zhang Zhenkun registered as a self-employed, renting a house and hiring employees, and changed from a student to an A? Boss? But the problem that comes with starting a business is the lack of funds.

At this time, it coincides with the establishment of the alma mater and Xinxiang Municipal Bureau of Human Resources and Social Security? College student microfinance guarantee guidance service center? Zhang Zhenkun got a loan of 654.38 million yuan in two weeks.

Will. College student microfinance guarantee guidance service center? The school was established, and a special person was appointed to accept student loan applications. After receiving the notice, Xinxiang Loan Guarantee Center took the initiative to go to colleges and universities to review student information and apply for loans. At the same time, bank loans also went to colleges and universities to sign agreements with students. This move is the first in Henan.

Among the nine universities in Xinxiang, Henan Institute of Science and Technology became the first school to cooperate with the Human Resources and Social Security Bureau. Wang, director of the school's employment department, said: Guiding a service center is like opening a loan in a school? Green channel? We are the most active among the nine universities, so we become the first. ?

? The biggest advantage of setting up the center is that students can understand the policy of venture loan more quickly, and applying for loans can be completed at school without running back and forth. The establishment of such a service center depends first on the opinions of the school. ? You Xiang Bo said.

Xinxiang Municipal Bureau of Human Resources and Social Security has also made up its mind that the same service center will be spread all over Xinxiang universities in the future.

question

College students' entrepreneurship in different places

Find a suitable guarantor

According to the guarantee conditions for college students to apply for small loans, applicants need to provide nearly 10 kinds of documents and materials such as application form, ID card, household registration book, college students' self-employment certificate or unemployment registration certificate, business plan, business license, guarantor's ID card, household registration book and unit certificate.

In addition, the application conditions require that the guarantor of the college student loan is? All of them are administrative institutions? Therefore, finding a guarantor has become the most difficult part of college students' loan.

According to the regulations, you can only find a guarantor at the location of the university, one-on-one. Most college students study and start businesses in different places. With limited local contacts, it is difficult to find a suitable guarantor.

? My patron is my teacher. ? Zhang Zhenkun said that letting teachers guarantee students is a countermeasure that Henan Institute of Science and Technology came up with to help students start a business loan.

Wang said that teachers can help students by watching projects, which not only enhances the feelings between teachers and students, but also completes the loan. Good projects can even cooperate, which is undoubtedly a win-win situation. If the student fails to repay the loan, the money will be deducted from the teacher's salary.

? Teachers should support students' ideas and help them as much as possible, provided that they understand students and consider the feasibility of entrepreneurial projects. ? Zhang Dingfa is a biology teacher of Henan Institute of Science and Technology and a guarantor of Zhang Zhenkun's loan. Zhang Dingfa said that he knows his students and he is not worried about students not paying back their money.

However, not all teachers are willing to take risks. The school encourages teachers to vouch for students, but does not insist. ? Wang said to him.

good

? Guarantee the linkage between different places in the province?

Approved by the Provincial People's Social Welfare Department.

In April this year, the Human Resources and Social Security Bureau of Henan Province 18 drafted? Guarantee the linkage between different places in the province? The document was submitted to the Provincial People's Social Welfare Department. ? The human and social departments already know, but there is no specific policy. ? Li Xinmin said,? Guarantee the linkage between different places in the province? The main purpose of the plan is to let students find someone to be a guarantor in other cities other than their hometown or university location, which will relax the geographical restrictions on loans and lower the threshold for loans.

? For example, if you are from Kaifeng, go to college in Xinxiang, and want to stay and start a business after graduation, you can find qualified relatives and friends in Kaifeng to help you as a guarantee. We check the guarantor's information through the small loan center in Kaifeng, and make sure that there is no problem after implementation, so Xinxiang can provide services here. ? You Xiang Bo explained that after the establishment of this measure, their work will increase, but it will provide convenience for college students. If this linkage is established, Henan will be the first in the country.

You Xiang Bo said that as the country pays more and more attention to college students' entrepreneurship, the threshold for future student loans may be lowered.

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