Application process of college students' entrepreneurial loan:

1, application.

Graduates apply to the Municipal Personnel Bureau with various materials.

2. First instance.

The Municipal Personnel Bureau is responsible for the pre-loan review, and will review whether the graduates meet the loan conditions and whether the loan application project belongs to the low-profit financial discount project and issue a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.

3. review.

County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit.

4. guarantee.

The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided.

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.

6. loans.

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.

Second, what is the application process of college students' entrepreneurial loans?

1. Acceptance: the applicant submits an application to the management service center of the College Students Pioneer Park, and submits relevant application materials, which will be preliminarily examined by the management service center of the College Students Pioneer Park;

2. Audit: The Personnel Bureau, together with the Finance Bureau and other relevant departments, will audit the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, number of employees, registered capital, profits and taxes, and determine the discount amount;

3. Publicity: The evaluated commercial loan discount target and amount shall be publicized by the Personnel Bureau and the applicant's unit or community for 5 working days;

4. Approval: If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. Appropriation: According to the approval notice of the relevant departments, after the interest payment voucher is provided by the discount object, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.

Three, college students' business loan process and matters needing attention

What is a college student entrepreneurship loan? What aspects should we pay attention to? What are the application requirements and conditions? Share it with everyone below, I hope you like it! Welcome to read!

College students' entrepreneurial loan refers to the behavior that banks provide unsecured and unsecured credit loans to some college students or college students who have just graduated and have not been employed for a long time. The reason why the state should implement such an incentive policy is to promote the employment of college students and ease the employment pressure of the whole society. Based on this platform, many college students can find their own development opportunities, and they can also constantly hone themselves and gain more experience on the road of starting a business. Next, I will collect this knowledge for you, hoping to help you.

I. Financial loans

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 assets as collateral or guarantee for high-quality customers, college graduates can be the main borrowers, and guarantors can provide corresponding joint and several guarantees 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 use certificates of deposit, or real estate mortgage loans and secured loans.

Second, the tax issue.

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. Except for industries restricted by the state to newly-established urban labor and employment service enterprises, the unemployed in those years include college graduates who have registered for unemployment, and the same below exceeds 60% of the total number of employees in the enterprise, which can 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.

Third, enterprise operation.

1. Staff recruitment and training enjoy free discounts. For enterprises independently founded by college graduates, free information on the supply and demand of talents and labor can be inquired on the websites of talent intermediary service agencies and public employment agencies affiliated to the administrative departments of personnel and labor security within 1 year from the date when the industrial and commercial departments approve their operation, and free recruitment advertisements can be released; Participate in talent recruitment fairs or talent service exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative departments of personnel and labor security, and give appropriate fee reductions and exemptions; The talent intermediary service institutions affiliated to the personnel department provide free training, graduates and evaluation services for entrepreneurial employees.

2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service agencies affiliated to the personnel administrative department will keep personnel files for them free of charge, including handling social security, professional titles, file wages and other related procedures 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.

Application requirements of college students' entrepreneurial loans

First of all, applicants for college students' entrepreneurial loans must be at least 18 years old, have free funds, hold a business license, open a settlement account in a bank and other certain conditions.

First, the application requirements of college students' entrepreneurial loans

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;

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 the ability to stabilize income and repay principal and interest;

(3) Applicants for college students' entrepreneurial loans have some of their own funds for their investment projects;

4. The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and shall not be used for equity investment;

Open a settlement account in a bank, and the operating income will be settled by the bank.

Second, the application materials

1 The identity documents of college students' entrepreneurial loan applicants and their spouses include the original resident identity card, household registration book or other valid residence permit and proof of marital status;

2. Proof of repayment ability of the applicant for college students' entrepreneurial loan, such as personal or family income and property status;

3. The business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as the relevant agreements, contracts or other materials for loan purposes;

Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized person agrees to pledge, and the pledge evaluation report issued by the evaluation department recognized by the bank.

College students' entrepreneurial loan process

The process of college students' venture loan includes the procedure of handling business license. The application materials include ID card, report card, student ID card and other credit certificates, such as scholarship certificate, class cadre certificate, community activity certificate, etc.

Application material

1, identification;

2. Students at school need to provide student ID cards and school transcripts;

3. Graduates are required to provide graduation certificates and degree certificates;

4. Checklist of frequently used bankbooks or bank cards in the past 6 months;

5. Other credit certificates, such as: scholarship certificate, class cadre certificate, community activity certificate, and various honors/social awards, such as blood donation and voluntary teaching.

And:

1 Documentary proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants;

2. The identity documents of college students' entrepreneurial loan applicants and their spouses include the original resident identity card, household registration book or other valid residence permit and proof of marital status;

Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the person who has the right to dispose of it agrees to pledge, and the pledge evaluation report issued by the evaluation department recognized by the bank.

4. The business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as the relevant agreements, contracts or other materials for loan purposes;

Application procedure

Personal loan.

The applicant holds a copy of the industrial and commercial business license or the registration certificate of a private non-enterprise unit, and the original and copy of the business license; Original and photocopy of ID card; Copies of business premises lease agreement, loan application, business plan, effective guarantee materials, etc. , and apply to the street human resources and social security office where the registration is located. Street Security Office issues the Audit Form of Small Guaranteed Loans for Young College Students' Entrepreneurship in Nanjing in quadruplicate to eligible loan applicants, conducts on-site investigation on the applicants, fills in the on-site questionnaire after confirmation, completes the preliminary examination within five working days, and reports it to the local human resources and social security department; District human resources and social security department after the audit report to the municipal human resources and social security department. Ministry of Human Resources and Social Security will submit the audited borrower information to the handling bank. The handling bank shall go through the loan formalities as required.

2. Partnership loans.

The convener holds the original and photocopy of the business license, the original and photocopy of the industrial and commercial business license or the certificate of private non-enterprise unit, the business license of the partner or the employment unemployment registration certificate, and the students hold the school certificate, ID card, household registration book, Partnership Agreement, business site lease agreement, loan application, repayment commitment letter and effective guarantee materials to apply to the street human resources and social security office where the registration place is located. Street Security Office issues the Audit Form of Small Guaranteed Loans for Young College Students' Entrepreneurship in Nanjing in quadruplicate to eligible loan applicants, conducts on-site investigation on the applicants, fills in the on-site questionnaire after confirmation, completes the preliminary examination within five working days, and reports it to the local human resources and social security department; District human resources and social security department after the audit report to the municipal human resources and social security department. Ministry of Human Resources and Social Security submitted the approved borrower information to the handling bank, and the handling bank handled the loan formalities according to the regulations.

3. Discount interest application

After repaying the principal and interest on time, the lender shall go through the discount formalities with the district human resources and social security department with a copy of the passbook or bank statement or repayment schedule, and fill in the discount approval form. District human resources and social security department after the first instance, the discount approval form and related materials shall be reported to the municipal human resources and social security department, which shall report to the Municipal Finance Bureau after the audit. After the examination by the Municipal Finance Bureau, the discount interest funds will be allocated to the relevant banks, and the banks shall timely allocate them to the loan accounts opened by the lenders in the banks.

How to calculate the interest of college students' entrepreneurial loans

1. The interest rate conversion formula for RMB business is Note: general deposits and loans.

1. Daily interest rate 0/000= annual interest rate %÷360= monthly interest rate ‰; 30。

2. Monthly interest rate ‰ = annual interest rate %÷ 12

Second, banks can use product interest method and transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year, the interest-bearing formula is:

① Interest = principal × year× annual interest rate

If the interest-bearing period is a whole year and several days, the interest-bearing formula is:

② Interest = principal × year × annual interest rate principal × odd days × daily interest rate

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days in leap year and 366 days in a month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

Triple compound interest

Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.

4. Penalty interest

If the lender fails to repay the bank loan within the prescribed time limit, the bank will call the penalty interest paid to the non-defaulting party according to the contract signed with the parties as the bank penalty interest.

Loans overdue liquidated damages.

The nature is the same as the penalty interest, and the penalty measures for the breaching party.

6. Formulation and filing of interest calculation methods

The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives report to the branches of the People's Bank of China and the central branch of the provincial capital for the record and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate rules for interest calculation and settlement and interest calculation methods for deposit and loan business, and report them to the branches of the People's Bank of China and the central branch of the provincial capital city for the record, and the rural credit cooperatives as legal persons shall inform customers.

4. What are the conditions for the partnership venture loan?

1. Hold a business license issued by the administrative department for industry and commerce of this Municipality, open an account with a loan bank, and have no record of bad credit and illegal acts within three years; 3. It can provide guarantee and counter-guarantee measures or meet the conditions of exemption from counter-guarantee; 4. Age 18 or above, with my ID card. It is proved that residential partnership projects can only adopt real estate mortgage counter-guarantee measures.