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. Preferential Policy for College Students' Entrepreneurship Loan (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 50% within 1 year. (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 should provide small loans for graduates who start their own businesses, simplify procedures and facilitate account opening and settlement. The loan amount is 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. The above preferential policies are formulated by the state for all self-employed college students. In order to support local college students' entrepreneurship, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality. For example, according to the relevant regulations of the state and the Shanghai Municipal Government, fresh college graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax relief. Requirements for college students' entrepreneurial loan (1) The applicant for college students' entrepreneurial loan is at least 18 years old, 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; (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. Application materials for college students' entrepreneurship loan (1): the identity documents of the college students' entrepreneurship loan applicants and their spouses (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; (2) Proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants; (3) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans; (4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank. First, clear the object of encouragement and support.

(1) This policy opinion encourages and supports college students to start their own businesses, which mainly refers to college students, master students and doctoral students with college education or above, who set up various enterprises or engage in self-employment for a long time during their school days or within two years after graduation, and serve as the legal representative of the enterprises or individual industrial and commercial households they founded.

(2) If college students set up modern agricultural projects in rural areas, the planting area is more than 50 mu, and the total annual output value of large-scale farming exceeds 200,000 yuan, or they set up various professional cooperatives and other economic organizations and economic entities, they will be included in the scope of encouragement and support of this opinion.

(3) Give key encouragement and support to college students with zero employment, laid-off and unemployed, low-income families and families with disabilities to start their own businesses.

Second, the construction of college students' entrepreneurial base

(a) where college students have newly established more than 20 industrial parks (bases, universities and buildings) and more than 0 enterprises/kloc-0, the office of the leading group for promoting entrepreneurship and enriching the people in the city (hereinafter referred to as the Entrepreneurship Office) can be recognized as the entrepreneurial base for college students, and a financial subsidy of 300,000-500,000 yuan can be given every year.

(2) College students' entrepreneurial base should strengthen the construction of standard industrial buildings and entrepreneurial apartments, and the construction cost of urban projects should be implemented with reference to the industrial land standard of Changsha High-tech Industrial Development Zone. Land departments should give priority to construction land, and real estate departments should register property rights in time. Strive to basically meet the needs of college students to start their own businesses through three years of hard work.

Third, multi-channel solution to the problem of entrepreneurial places for college students

(1) College students who have settled in the college students' entrepreneurial base start their own businesses, and the entrepreneurial base provides business premises. 900 yuan in the first year, 700 yuan in the second year and 500 yuan in the third year. If there is no family residence for a long time, the entrepreneurial base can provide free entrepreneurial apartments or dormitories for three years. If the entrepreneurial base cannot provide free accommodation, it can refer to the low-rent housing policy, and the real estate department will give low-rent housing subsidies to each person per month 160 yuan.

(two) in the college students' entrepreneurial base outside the lease of business premises to start their own businesses, within three years, the real estate sector to give business premises rental subsidies, the first year of monthly 800 yuan, the second year of monthly 600 yuan, the third year of monthly 400 yuan subsidies. Those who have no family residence for a long time can refer to the low-rent housing policy, and the real estate department will give low-rent housing subsidies to each person per month 160 yuan.

Fourth, increase funding for entrepreneurship.

(1) The city level arranges 30 million yuan from the entrepreneurial support incentive funds every year (including the new budget of the municipal entrepreneurial support incentive funds110/0, and the special funds for science and technology, industry, commerce and agriculture10, respectively, 5 million yuan, 2 million yuan and 2 million yuan. Each district (county, city) arranges100,000 yuan from the entrepreneurial support incentive funds every year, and establishes the entrepreneurial support incentive funds for college students at the city and district (county, city) levels, which are mainly used for all kinds of support, incentives and loan interest subsidies for college students to start their own businesses.

(two) college students' entrepreneurial projects to apply for free funding, approved by the relevant departments, each project is generally not more than 200 thousand yuan, and does not exceed the amount of investment of enterprises' own funds. 60% of the total amount of examination and approval will be allocated in the first phase, and the rest will be allocated after the first phase of funds has passed the examination and approval. Apply for financial loan discount, the audited discount period is generally not more than 2 years, and the total annual discount can reach up to 654.38+10,000 yuan.

(3) Small loan guarantee institutions shall be established in each district (county, city), and the municipal finance shall provide subsidies according to the scale of government guarantee funds in each district (county, city) of 2: 1. Encourage social loan guarantee institutions to support college students to start their own businesses, and the municipal and district (county, city) governments will help them reduce their entrepreneurial risks through appropriate subsidies. College students who start their own businesses can apply for a small secured loan of up to 50,000 yuan at the community labor security management service center where their registered permanent residence is located. If college students are employed in partnership or organization, and have certain self-owned funds and corresponding counter-guarantee conditions, they can be given secured loans within 50,000 yuan per capita, with a maximum of 500,000 yuan. Engaged in low-profit projects, enjoy two years of full financial discount.

(four) for emerging projects independently founded by college students, according to the scale of the enterprise, a small secured loan of up to 2 million yuan can be given. The maximum loan period is two years, and the financial department at the same level will give a discount at 50% of the benchmark loan interest rate.

(5) Encourage college students to take entrepreneurial projects as a platform, actively strive for the support of national and provincial special funds, and strive for social venture capital and financing from banks and credit institutions. The city's entrepreneurial support incentive funds will be supported within the range of 10% of the total amount of funds or financing (the maximum amount of a single project can reach 65,438+10,000 yuan) to help entrepreneurs reduce financing risks.

(six) the science and technology projects of college students' self-employment are funded by the higher authorities, and the science and technology departments of cities, districts (counties, cities) give 30% and 20% funding to the higher authorities respectively, with matching funds of not less than 50 thousand yuan; One-time grants ranging from 500-65438+ 10,000 yuan will be given to projects or innovations approved by higher authorities but without financial support.

(seven) led by the municipal leading group for starting a business and getting rich, 30 municipal college students are selected each year for successful self-employment, and each person will be rewarded with 50,000-80,000 yuan. Incentive funds must be used for the additional investment of enterprises to expand reproduction.