1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans. For those who can provide effective asset mortgage (pledge) or quality customer guarantee, college graduates can be the main borrowers, and the guarantor can provide corresponding joint guarantee for the stable income or effective assets of their families or immediate family members. For those with good credit standing and guaranteed repayment, financial institutions will give priority to credit support. For college graduates' entrepreneurial loans, credit loans should be appropriately issued on the basis of controllable risks.
2. Simplify the loan procedures. By simplifying the loan procedures, the credit loan amount will be determined reasonably in 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.
In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. A number of banks offer personal business loans to natural persons who have permanent residence or valid residence status in cities and towns and have reached the age of 18. This kind of risky loan requires individuals to take mortgage loans, or real estate mortgage loans and secured loans.
pay taxes
College graduates who are engaged in self-employment are exempted from paying the tax registration certificate fee 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.
Enterprise operation
1. Staff recruitment and training enjoy free discounts. For enterprises founded by college graduates independently, they can inquire about the supply and demand information of talents and labor force and publish job advertisements free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the government personnel and labor security administrative departments within 1 year; Participate in talent recruitment fairs or talent service exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative department of personnel and labor security of the government, and give appropriate fee reductions; The talent intermediary service institutions affiliated to the government personnel department provide free training, graduates and evaluation services for employees who start enterprises. 2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep their personnel files (including social security, professional titles, file wages and other related procedures) free of charge for two years. 3. There are separate channels to participate in social insurance. Self-employed college graduates can apply for social insurance at the individual payment window set up by social insurance agencies at all levels. From May, 2006, in addition to those who hold the Beijing Re-employment Concession Certificate, unemployed university graduates with Beijing hukou who want to engage in self-employment or start small businesses independently or in partnership can also apply for small secured loans.
In 2008, the new policy issued by Chongwen District stipulated that entrepreneurs in Chongwen District can get a loan of up to 500,000 yuan, and the district finance will give them a discount. At the same time, the number of loan subjects stipulated in the new policy has also increased. In addition to unemployed, unemployed and entrepreneurial college students, eligible students of Chongwen District Entrepreneurship Training Course, members of entrepreneurs' clubs and private owners who start businesses in this area can apply for the loan. In order to stimulate the entrepreneurial passion of graduates, Shanghai has set up an "angel fund" for college students' entrepreneurship. The "angel fund" for college students' entrepreneurship is up to 300,000 yuan, and college students can get 500,000-300,000 yuan for entrepreneurship.
There are two kinds of entrepreneurship funding schemes under the Angel Fund: Entrepreneurship Eagle Scheme and Entrepreneurship Eagle Scheme. Provide financial assistance to young entrepreneurs in two ways: creditor's rights and equity, and provide corresponding follow-up support and services.
The "Young Eagle Project" refers to the way that the Foundation issues micro-credit loans to start-ups through entrusted banks. The loan period is two years, half of the principal is repaid in equal monthly installments, and the other half is repaid after the loan expires. The amount of funding for entrepreneurs and individual entrepreneurial projects shall not exceed RMB 200,000.
"Entrepreneurial Eagle Plan" refers to the funding mode that the foundation and the applicant jointly contribute to the establishment of an entrepreneurial enterprise, and the holding institution holds shares in the entrepreneurial enterprise. Projects funded by the "Entrepreneurship Eagle Program" must have technical content or certain business model innovation. The amount of funding does not exceed 500,000 yuan. The self-raised funds of the entrepreneurial team should be higher than the amount of fund support. During the capital contribution period (3 years), the equity of the company held by the Fund will not participate in dividends. After the capital contribution period expires, the equity will be withdrawn at the original price. 1, reducing various expenses. Except for industries designated by the state, the industrial and commercial departments will exempt individual industrial and commercial households from registration fees (including registration, change registration and renewal fees), 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 applying for high-tech enterprises (including limited liability companies) have 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 technology", "new technology" and "high technology". College graduates who engage in sports such as community service will be exempted from industrial and commercial registration within 1 year after being reported by the neighborhood committee to the local administration for industry and commerce for the record, and all kinds of industrial and commercial management fees will be exempted.
2. The procedure is more simplified. Where college graduates apply to engage in self-employment or bid for private enterprises within two years after graduation, they can give priority to registration through the "green channel" in the registration hall 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 * 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 need pre-approval, the special affairs office will try out the "commitment registration system". Applicants who submit important registration materials, such as application for registration and capital verification report, may first issue a business license, so that relevant materials can be supplemented within 3 months as required. Anyone who applies for the establishment of a limited liability company with intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented skills of college graduates as capital contribution promises to offset 40% of the registered capital.