College students' entrepreneurship is an entrepreneurial process with college students and graduates as the main body of entrepreneurship. If the venture capital is not enough, you need to use the venture loan. Next, I recommend the 2020 college students' entrepreneurial loan for everyone, hoping to help you!
The reporter learned from the municipal government on June 5438+04 that the city has issued a notice on doing a good job in promoting employment at present and in the future. Our city will further reduce the labor costs of enterprises, continue to extend the phased rate reduction policy of unemployment insurance, and keep the unemployment insurance rate at 1% to support enterprises to reduce costs and increase efficiency.
50%
Enterprises that are legally insured and pay in full for more than one year without layoffs or less layoffs can return 50% of the unemployment insurance premiums actually paid in the previous year.
Three million yuan
The maximum amount of qualified small and micro enterprises applying for business guarantee loans can be increased to 3 million yuan.
10000
In three years, more than 10000 young people will take part in employment internships.
10 times
The balance of loan liabilities guaranteed by the guarantee fund can be expanded to 10 times the amount of the guarantee fund.
65438+500,000 yuan
Eligible self-employed entrepreneurs can apply for business guarantee loans, and the maximum loan amount can be increased to 6.5438+0.5 million yuan.
During the year, enterprises in difficulty registered unemployed people.
Incorporate into the scope of people with employment difficulties
Continue to implement the "escort action" of unemployment insurance to help enterprises stabilize their jobs and implement the policy of returning unemployment insurance premiums. Enterprises that are legally insured and pay in full for more than one year without layoffs or less layoffs can return 50% of the unemployment insurance premiums actually paid in the previous year. For the insured enterprises with historical arrears of unemployment insurance benefits, they can apply for return after paying back the arrears or signing a holdover agreement according to regulations; For pillar industrial enterprises with large-scale unemployment risk, no layoffs or less layoffs, the return standard will be raised 10%-20% after being approved by the Provincial Department of Human Resources and Social Security. During the periods of 20 19, 10/0, and 3/2 1, the return standard will be determined according to the monthly per capita unemployment insurance premium and the number of employees who have been insured for six months.
At the same time, establish and improve the government financing guarantee system, and government financing guarantee institutions will give priority to providing low-rate guarantee support for qualified small and micro enterprises. We will implement the policy of reducing fees and awards for financing services, and focus on supporting financing guarantee institutions with single-family loans100,000 yuan or less, large-sum guarantee business for small and micro enterprises, and a guarantee rate of less than 2%, so as to reduce the financing guarantee rate for small and micro enterprises.
Establish a helping account for difficult enterprises. For enterprises that really need layoffs, guide them to formulate a layoff plan according to law, clarify the list of layoff personnel, layoff time, implementation steps, economic compensation methods for laid-off personnel, and fulfill legal procedures. The specific identification of difficult enterprises shall be carried out in accordance with the unified standards of the whole province.
Strengthen enterprise employment support services and actively build a recruitment docking platform. For enterprises that have laid off more than 50 employees at one time, the public employment service agencies in our city should hold special recruitment service activities in a timely manner according to the professional skills and employment willingness of the unemployed in enterprises to help the unemployed find jobs in time. Unemployed persons registered as unemployed in enterprises with difficulties during the period of 1 October 20 19,1to 12, 3 1 are all included in the scope of persons with employment difficulties and enjoy employment support policies for those with employment difficulties according to regulations. Other enterprises that once absorb laid-off workers from enterprises with difficulties 10 or more will be given the award-winning job introduction subsidy from 500 yuan.
College students who meet the requirements of entrepreneurship
You can apply for a venture loan with a maximum amount of 6,543,800 yuan.
We will build all kinds of innovative and entrepreneurial carriers and innovative and entrepreneurial service institutions to encourage and support key groups to start businesses. Increase the maximum amount of venture loans. Eligible self-employed entrepreneurs can apply for business guarantee loans, and the maximum loan amount can be increased to 6.5438+0.5 million yuan. If small and micro enterprises apply for business start-up guarantee loans, within 12 months before applying for loans, the number of new employees who meet the application conditions for business start-up guarantee loans will reach 25% of the existing employees (15% for enterprises with more than 100 employees), and the maximum loan amount can be increased to 3 million yuan.
The balance of loan liabilities guaranteed by the guarantee fund can be expanded to 10 times the amount of the guarantee fund. Improve the compensation mechanism of the guarantee fund, and share the entrepreneurial guarantee loan that the individual borrower really can't repay with the guarantee fund and the handling financial institution according to the ratio of 8: 2. To implement the incentive policy for business guarantee loans, the municipal finance will reward business guarantee loan fund operation and management institutions and other units with work subsidies according to a certain proportion of the total new loans in the city in that year.
Increase the amount of loans for college students to start their own businesses. Eligible entrepreneurial college students can apply for entrepreneurial loans with a maximum amount of 6.5438+0 million yuan, and the loan period generally does not exceed 2 years. Continue to strengthen the monitoring of loan operation, strengthen the issuance and recovery of loans, increase the punishment for college students' self-employment loans, and improve the quality of loans.
Encourage all districts and counties (development zones) to cooperate with leading enterprises, universities, research institutes and small and medium-sized enterprises. We will build a science and technology business incubator, a creative space and a standardized business incubator base for the employment of key groups such as college graduates and returning migrant workers, and provide high-quality, efficient, low-cost or zero-fee "one-stop" business services for entrepreneurs. Give business incubation subsidies according to the current business incubation base (Pioneer Park) management measures in our city; Strengthen the energy efficiency improvement of enterprise incubation carriers. Implement the dynamic management mechanism of business incubation base, and disqualify those with poor incubation effect; Strengthen the tracking of subsidy funds for business incubation, and further enhance the effectiveness of funds; The incubation period of the entrepreneurial entity that has settled in the business incubation base shall not exceed 3 years at the longest. Improve the selection and recommendation of entrepreneurial stars, select 10 "Xi entrepreneurial stars" every year, and increase the reward fund to 30,000 yuan per person.
Training personnel who have achieved employment within 6 months.
According to the current corresponding subsidy standard in our city, the subsidy is 1.5 times.
Support difficult enterprises to carry out on-the-job training for employees. 20 1 9,65438+10,1to 65438+2,31,the funds needed for on-the-job training organized by difficult enterprises shall be paid from the education funds of enterprise employees according to regulations, and the insufficient part may be appropriately subsidized by the employment subsidy funds after being examined and evaluated by the administrative department of human resources and social security.
Cancel the accreditation system of designated institutions for vocational skills training, adopt the government bidding model, and support all kinds of vocational colleges (including technical colleges), ordinary colleges and universities, vocational training institutions and qualified enterprises to undertake vocational skills training or entrepreneurship training for unemployed people through bidding. Those who have passed the training or obtained the vocational qualification certificate after training and achieved employment within 6 months will be subsidized according to 1.5 times of the current corresponding subsidy standard in our city, and other subsidy standards will remain unchanged.
20 19, 10, to 2020, 12, 3 10. During the training period, the transportation and living expenses will be subsidized according to the standard of 50 yuan per person per day, and each period will not exceed 2,500 yuan, and each person can only enjoy it once a year, but cannot receive it at the same time.
Relax the application conditions for skills upgrading subsidies. 1 October 20 19,1to February 2020 12, 3 1, the scope of applicants for unemployment insurance skills upgrading subsidies has been expanded to employees of enterprises, institutions and private non-enterprise units. The payment condition is that the employee has paid unemployment insurance premium 12 months (inclusive) and participated in the insurance.
Encourage and support qualified technical colleges and training institutions to participate in new apprentices and short-term technician training. If the employees of enterprises participating in the training have obtained the corresponding vocational qualification certificates or vocational skill levels or training certificates issued by the human and social departments, the training subsidy of 1 1,000 yuan will be given to each training institution for senior workers and below, and the training subsidy of 2,000 yuan will be given to technicians and senior technicians.
A person on probation
In three years, more than 10000 young people will be employed as apprentices.
Improve the policy of supporting youth employment internship, and implement the "Three-year Action Plan for Youth Employment Internship" from 20 19, so that more than 10000 young people will participate in employment internship in three years; The scope of training will be expanded from unemployed college graduates to unemployed youth aged from 16 to 24, the probation period will be relaxed to 3 to 12 months, and employment internship subsidies will be given according to regulations. Implement a one-time student retention subsidy and encourage enterprises to absorb students' employment.
Unemployed people can apply for unemployment registration in public employment service institutions in permanent districts and counties, and apply for employment and entrepreneurship services, employment support policies and preferential tax policies for key groups. Among them, the elderly, disabled, low-income families and other workers can apply for recognition as permanent residents with employment difficulties and enjoy employment assistance. Public employment service agencies at all levels shall not refuse to provide the above services on the grounds that the household registration is not located in the permanent residence.
For unemployed people who meet the requirements of receiving unemployment insurance benefits, unemployment insurance benefits will be paid in full and on time, and price subsidies will be paid according to regulations. The unemployment insurance fund will remit the basic medical insurance premium and serious illness insurance premium during the period of receiving unemployment insurance benefits. Give temporary living allowances to eligible laid-off workers with difficulties in life. The minimum living guarantee is given to families whose per capita income of family members living together is lower than the local minimum living guarantee standard and meets the requirements of the local minimum living guarantee family property status. Emergency and transitional assistance shall be given to families or individuals whose basic life is in trouble due to unexpected events, accidental injuries, serious diseases or other special reasons, and who are temporarily unable to be included in other social assistance systems, or whose basic life is still in serious difficulties after assistance.
In addition, establish the Xi employment and entrepreneurship joint conference system, strengthen coordination and cooperation, and form a joint effort.
Related articles:
1. Must-see 2020 College Students' Entrepreneurship Project
2.20 16 national preferential policies for college students' entrepreneurship
3. Five entrepreneurial projects that college students must see in 2020.
4. The new policy of interest-free loans for college students' entrepreneurship is coming.
5.2020 College Students' Entrepreneurship Project
Preferential policies and application requirements for college students' entrepreneurial loans
Conditions and detailed process of college students' entrepreneurial loan: 1. Application conditions for college students' entrepreneurial loans: 1, college degree or above; 2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department; When applying for this kind of loan, three points are more important: First, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds. Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, ownership certificates and lists related to collateral or pledge, and pledge evaluation report issued by the evaluation department recognized by the bank. In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method. Second, the loan term and amount require that the small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1 ~ 2 years, and they will no longer enjoy financial discount after 2 years. Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range. Iii. repayment method 1. For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid at the maturity, and the benefits will be paid off with the principal; 2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. The relevant preferential policies depend on your local government. Four. Application process 1. Accept. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination; 2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount; 3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days; 4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval; 5. payment. According to the reply notice, after the discount object provides the interest payment certificate, the Finance Bureau will allocate funds from the special fund to support college students' self-employment; 6. Application materials for college students' entrepreneurial loans. ;
About college students' self-employment loans?
At present, the national and local policies have adopted a series of preferential policies for college students' entrepreneurship. The following is what I arranged for you. Welcome to read!
1
I. Specific conditions for college students' entrepreneurial loans 1 The applicant for college students' entrepreneurial loans has reached the age of 18, and has a legal and valid identity certificate and 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 loan method:
The ways for college graduates to start their own businesses are guarantees and mortgage loans.
Three. Loan term:
The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans with a term of 1 ~ 2 years, after which they will no longer enjoy financial discount.
Four, college students' business loan application conditions need to pay attention to three points:
First of all, the loan applicant must have a fixed residence or business premises.
Second, business license and business license, stable income and ability to repay principal and interest;
Third, and most importantly, the projects invested by entrepreneurs already have their own funds. Only those who meet the above conditions can apply to the bank, and the materials to be provided when applying mainly include: proof of marital status, personal or family income and property status and other repayment ability files; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank.
In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.
Generally, the maximum amount of college students' entrepreneurial loans does not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase, installation or repair of small devices and equipment, and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
Repayment method of college students' entrepreneurial loans: for individual entrepreneurial loans with a loan term of one year or less, the principal and interest will be repaid in one lump sum, and the benefits will be paid off with the principal; For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment or equal principal repayment.
2
Preferential policies for enterprise management
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 and evaluation services for graduates and 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.
Preferential Policies for College Students' Entrepreneurship Loans in Henan Province
Zhen Li, director of the Employment Department of the Henan Provincial Department of Labor and Social Security, said that college students who have not found a job after graduation can apply for small secured loans to start their own businesses as long as they register with street community labor security offices or public employment agencies and get unemployment certificates. The loan amount generally does not exceed 30,000 yuan, and the loan period does not exceed 2 years.
How to apply
College graduates who start their own businesses can submit a written application to the township streets and community labor and social security institutions where they have permanent residence or business location, and submit their valid identity cards, household registration books, qualification certificates for starting their own businesses, graduation certificates, employment and unemployment registration certificates, and legal business certificates, such as the originals and photocopies of business licenses or related certificates. After review, recommendation, guarantee and counter-guarantee procedures, you can get loans from state-owned commercial banks, joint-stock banks and city commercial banks, which means that all banks in your place can.
Except for industries restricted by the state, college graduates who are engaged in self-employment and whose registration date of industrial and commercial departments is within two years after graduation can be exempted from administrative fees such as registration, license and management within three years from the date of registration *** 19.
It was learned from the Henan Provincial Administration for Industry and Commerce that the Henan Provincial Administration for Industry and Commerce specially issued the "Opinions on Supporting College Graduates' Self-employment and Flexible Employment in Our Province" and adopted a number of measures to help college graduates start their own businesses and obtain employment. At present, this opinion has been issued to the administrative departments for industry and commerce of various provinces and cities in Henan for implementation.
Three zeros to reduce the cost of starting a business
Monetary contribution is "zero payment". Relax the restrictions on the mode of capital contribution. College graduates will invest to set up a limited liability company within two years after graduation, with a registered capital of less than 500,000 yuan, and the proportion of non-monetary assets in the registered capital can reach the maximum registered capital of the company.
100%。 There is no minimum capital contribution limit for the establishment of partnership enterprises, sole proprietorship enterprises, farmers' professional cooperatives and individual industrial and commercial households, and the mode of capital contribution is determined by college graduates.
The operating site is "zero cost". College graduates within two years of graduation are engaged in animation design, e-commerce, translation services, software design and development, network technology development and other business projects. , does not affect the surrounding environment and public safety of motor vehicle transportation (including cargo transportation and passenger transportation), individual performances, individual performance brokers and other individual industrial and commercial households that adopt a mobile mode of operation. The business premises can be registered as the contact address of the operator.
Service entrepreneurship "zero charge". College graduates within two years of graduation, college graduates who work in villages, engage in self-employment or set up various enterprises, except for industries restricted by the state, shall be exempted from registration license administrative fees within three years from the date of registration. During the support period, the administrative departments for industry and commerce at all levels provide free inquiry service for the basic registration information of enterprises for college graduates to start their own businesses, and the website of the provincial-level city administration for industry and commerce publishes free announcements on the establishment and change of registration of enterprises founded by college graduates.
"Two Relaxations" to Encourage Innovative Management
Relax the form of registration and implement "trial business". College graduates who are engaged in self-employment can implement a trial operation system except for pre-approved business matters, and issue a business license with the validity period of 12 months and marked "temporary" free of charge. During the trial operation, all kinds of fees will be exempted.
Relax the field of entrepreneurship and encourage college graduates to innovate and start businesses. All industries and projects that are "not prohibited" by laws and administrative regulations are allowed for college graduates to operate; The administrative departments for industry and commerce at all levels should stop the implementation of pre-licensing projects for enterprise registration set by departments and localities themselves; Venture Network: Is it illegal to build a green channel for the first time?
The industrial and commercial department requires the establishment of a special service window for college graduates' entrepreneurship, the establishment of a "green channel", the implementation of a special person as a "business contact", and the provision of "one-stop" services such as prior guidance, follow-up counseling and quick completion. If the materials are complete and conform to the statutory form, it shall be registered on the spot and issued with a certificate.
There is no first punishment for college graduates' employment and entrepreneurship, with more norms, less punishment, more guidance and less blame. If the general illegal behavior of college graduates in starting a business is minor and has no harmful consequences to society and others, they can be given administrative tips and administrative warnings, and help enterprises to correct it in time without administrative punishment.
In addition, according to the principle of territorial management, the grass-roots industrial and commercial sub-bureaus have set up separate business accounts for college graduates, conducted regular return visits, strengthened "tracking services", and helped college graduates solve the difficulties and problems encountered in entrepreneurship and production and operation in time. Actively encourage and guide college graduates to start their own businesses. Conditional places are determined by local governments to provide entrepreneurship and guarantee for college graduates in existing channels. Where college graduates are engaged in self-employment, except for industries restricted by the state, they will be exempted from all administrative fees for registration management within 1 year from the date when the business is approved by the industrial and commercial department.
three
College students' self-employment loan
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 small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans with a term of 1 ~ 2 years, after which they will no longer enjoy financial discount.
Three. Loan method:
The ways for college graduates to start their own businesses are guarantees and mortgage loans.
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, such as setting up a
Business administration, 1 year exempted from administrative fees for business registration management; 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.
Five. Application material
When applying for such loans, three points are more important:
First of all, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds.
Only those who meet the above conditions can apply to the bank, and the materials to be provided when applying mainly include: proof of marital status, personal or family income and property status and other repayment ability files; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank.
In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.
Amount requirement
Generally, the amount of venture loan is required: the maximum amount shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase, installation or repair of small devices and equipment, and franchise chain operation;
The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year;
Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
Loan repayment method
1. For individual entrepreneurial loans with a loan term of 1 year or less, the principal and interest will be repaid in one lump sum at maturity.
Clear with books;
2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties.
Relevant preferential policies depend on your local conditions.
Tax exemption policy
College graduates (including junior college students, undergraduate students and graduate students) who are engaged in self-employment are exempt from self-employment registration fees, self-employment management fees, and economic contract demonstration text fees. 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. People-enterprise loan is committed to providing matching services for enterprises and individuals with financing needs and investors with spare money. Integrate the rich industry experience of Internet, guarantee and Shanghai real estate mortgage loan business, and provide safe, convenient, low-threshold, transparent and rich financial projects for individual users with financial needs, including Shanghai real estate mortgage investment projects, large-scale enterprise guarantee investment projects, automobile consumption investment projects, supply chain financial projects, etc.
What are the preferential policies for college students' entrepreneurial loans?
What are the preferential policies for college students' entrepreneurial loans? College graduates who start their own businesses can apply for a small secured loan of up to 654.38+10,000 yuan. If more than one person organizes to start a business, they can apply for a "bundled" loan, with a total amount of 65,438+10,000 yuan per person and a maximum of 2 million yuan. Except for industries restricted by the state, financial discount can be given. Before leaving school, college graduates who started their own businesses apply for small secured loans, which are recommended and assisted by the school employment (entrepreneurship) guidance department and sent to the handling bank for handling according to procedures. Financial institutions should actively explore financial service products suitable for college graduates to start businesses and simplify business processes. Other preferential policies for college graduates to start their own businesses (I) Tax relief policy If college graduates start their own businesses within 3 years from the graduation year (36 months from July 1 day of the year before graduation, the same below), they will be exempted from administrative fees such as registration, licensing and management within 3 years from the date of first registration. Public employment service agencies at all levels shall provide personnel relations and file keeping services for 3 years free of charge. For college graduates who are engaged in self-employed business (except for construction, entertainment, real estate sales, land use right transfer, advertising, housing agency, sauna, Internet cafe and oxygen bar) within the graduation year, according to the limit of 8,000 yuan per household per year, the actual business tax, urban maintenance and construction tax, education surcharge and personal income tax will be deducted in turn within three years. (II) Subsidy and funding policy: College graduates who lease business premises or shops (except in various business incubation bases) within three years from the graduation school year to engage in self-employment or start small and micro enterprises, and who have been operating normally for more than six months since the date of industrial and commercial registration and absorbed more than three people for employment, will be given a rent subsidy of up to two years and up to 3,000 yuan per year. If you start your own business within 3 years from the graduation school year and meet the relevant conditions, you can give a one-time venture funding of about 5,000 yuan. For self-employed college graduates who recruit fresh college graduates, sign labor contracts with a term of 1 year or more and pay social insurance premiums according to regulations, social insurance subsidies and post subsidies with a maximum term of 3 years can be given according to the actual number of recruits, and the required funds shall be paid from the special employment funds. Support the promotion of employment through online entrepreneurship, and Ministry of Human Resources and Social Security will