In order to encourage college students to start businesses, some banks can apply for 200,000 interest-free loans for college students to start businesses. Applicants need to meet the following conditions:

1.35 years old;

2. Graduation is no more than 2 years;

3. Get a college degree or above;

4. Have a certain ability to operate funds, such as having business licenses, tax registration certificates and other basic materials of enterprises;

5. Have legal information to prove your identity, such as an ID card.

Second, what are the conditions for college students to start a business loan?

Unfortunately, Zhengzhou didn't. . .

Three, 2065438+2005 Changsha college students start an interest-free loan, what should I do?

Changsha has published the Policy Opinions on Encouraging and Supporting College Students' Self-employment (hereinafter referred to as the Opinions), which will arrange 30 million yuan to support college students' self-employment every year, and has issued a series of policies to support college students' self-employment, which is good news for those who have doubts.

When college students start their own businesses, they can not only reduce the rent of business premises, but also enjoy free apartments for three years, and they can also apply for free subsidies within 200,000 yuan.

A

Encouraged object

You can support college students to start their own businesses during school and within two years after graduation.

First of all, it doesn't just refer to fresh graduates.

Encouraging college students to start businesses is not just for fresh graduates. Encouraging college students to start their own businesses involved in the Opinions mainly refers to college students, master's students and doctoral students with college education or above who initially set up various enterprises or engage in individual business in Changsha 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.

Give key encouragement and support to self-employed zero-employment college students, laid-off and unemployed people, low-income households and families with disabilities.

Second, the establishment of modern agricultural projects in rural areas can also be supported.

In addition, 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 set up various professional cooperatives and other economic organizations and entities, they will also be included in the scope of encouragement and support in the Opinions.

Third, when you are the "boss", you can "settle down" in Changsha.

All college students who have their ID cards, graduation certificates and graduates who are employed in Changsha can go through the formalities of settlement in the public security department.

B

Startup capital

Each compensation appropriation

First, establish two universities.

The Opinions increased the funding for college students' entrepreneurship. The city level arranges100,000 yuan from the 3000 incentive funds for entrepreneurship support every year, and establishes the city and district (holding incentive funds, which are mainly used for various support, incentives and loan interest subsidies for college students to start their own businesses.

Second, internally.

College students' entrepreneurial projects can apply for free funding, which will be examined and approved by relevant departments. Each project is generally within 200,000 yuan, not exceeding the investment quota of the enterprise's own funds (relevant rules are being formulated). The first phase of fund allocation will be allocated after approval. Apply for financial loan discount, the audited discount period is generally not more than 2 years, and the total annual discount can reach 1 at most.

Three, engaged in low-profit projects to enjoy two years of full financial discount.

At the same time, each district (county, city) should set up a guarantee institution, and the municipal finance will give subsidies according to the scale of the government guarantee funds of each district (county, city) 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 want to 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.

Fourth, the maximum loan for running an enterprise is 2 million yuan.

For emerging projects independently founded by college students, a small secured loan of up to 2 million yuan can be given according to the scale of the enterprise. 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.

Fifth, help entrepreneurs reduce financing risks.

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. City entrepreneurial support incentive funds will be supported within the range of 10% of the total amount of funds or financing (up to 100000 yuan for a single project) to help entrepreneurs reduce financing risks.

Six, the project has not been funded by the higher authorities, there are 50 thousand -65438+ 10 thousand yuan of one-time funding.

The scientific and technological projects for college students to start their own businesses are funded by the higher authorities, and the municipal, district (county, city) scientific and technological departments give 30% and 20% funding to the higher authorities respectively, with matching funds of not less than 50,000 yuan; A one-time grant of 50,000 -654.38+ 10,000 yuan will be given to projects or innovations approved by superiors but without financial support.

Seven, three years, municipal administrative fees are free.

Within three years of college students' self-employment, local income from business tax and personal income tax will be reduced or exempted by the finance at the same level, and municipal administrative fees will be free; Projects rated as good growth can continue to enjoy preferential policies for two years.

Eight, the typical reward for success is 50,000-80,000 yuan.

In addition, every year, Changsha will select 30 successful examples of self-employment of municipal college students, each with a reward of 50,000-80,000 yuan, and the reward funds must be used for additional investment and expanded reproduction.

C

Entrepreneurial place

Reduce the rent of business premises and enjoy a free apartment for 3 years.

Entrepreneurial places are a concern of many college students. Better office rents are ridiculously expensive, which makes the majority of students flinch.

First, establish a "college students' entrepreneurial base".

Changsha will set up "College Students' Entrepreneurship Base". All industrial parks (bases, universities and buildings) with more than 20 new college students starting enterprises and more than 0/0 college students recruiting enterprises can be identified as college students' entrepreneurial bases, and financial subsidies of 300,000-500,000 yuan are given every year. College students' entrepreneurial base will intensify the construction of standard industrial buildings and entrepreneurial apartments, the land department will give priority to the construction land, and the real estate department will register the property rights in time. Strive to basically meet the needs of college students to start their own businesses through three years of hard work.

Two, settled in the base can reduce the rent.

College students who settle 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.

Third, entrepreneurial apartments or dormitories can be provided free of charge.

Entrepreneurial college students who have no family residence in Changsha can be provided with free entrepreneurial apartments or dormitories for three years by the entrepreneurial base. 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.

Four, give subsidies to the leased business premises outside the base.

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

D

Entrepreneurship service

Free of industrial and commercial registration fees and license fees.

One is to set up a green channel for enterprise registration.

On the basis of relaxing the entry conditions for entrepreneurship, the industrial and commercial departments will waive the registration fees and license fees for college students' self-employment, and set up a green channel for college students' entrepreneurship registration. Where college students sign up for non-prohibited and non-restricted development projects and there are no major elements missing, they will be implemented immediately; Free tax registration certificate for college students to start businesses, and free tax knowledge training.

Second, carry out free entrepreneurship training.

Entrepreneurship training and counseling is led by the labor and social security department, and free entrepreneurship training such as SIYB (Start and Improve Your Business) training is provided to college students, so as to ensure that every college student who is willing to start a business participates in entrepreneurship training more than once. College students to the designated entrepreneurship training institutions to participate in entrepreneurship training, labor and social security departments in accordance with the provisions of entrepreneurship training subsidies. Each person who completes the training of GYB (generating your entrepreneurial idea) will be subsidized by 100 yuan, and each person who completes the training of SYB (entrepreneurship) will be subsidized by 500 yuan. To achieve self-employment, with the relevant license to give each person a 800 yuan subsidy.

Third, cultivate students' entrepreneurial awareness in various ways.

Encourage and guide colleges and universities to implement entrepreneurship education and training, gradually incorporate college students' entrepreneurship skills training into the curriculum and teaching scope, adopt various ways to cultivate students' entrepreneurial awareness, and improve their overall entrepreneurial quality. Actively introduce well-known entrepreneurship training institutions at home and abroad, provide business premises by college students' entrepreneurship bases, and give rent relief in accordance with the policy of encouraging college students to start their own businesses.

Entrepreneurial offices at all levels take the lead, employ entrepreneurial training teachers, successful entrepreneurs and experts from relevant government departments to form an entrepreneurial mentor group, and take individual counseling, consulting counseling, teaching counseling, accompanying counseling, consulting counseling and other ways to help college students improve their entrepreneurial practice ability. For the members of the entrepreneurial mentor group, work rewards and living allowances shall be given appropriately according to their personal work performance.

Fourth, serious setbacks in entrepreneurship can enjoy unemployment insurance benefits.

Led by the labor and social security departments and civil affairs departments, the "Care Action for Entrepreneurial Frustration" will be implemented. College students who encounter serious setbacks in starting a business can enjoy unemployment insurance benefits according to regulations and be included in the scope of social assistance to effectively solve the real life difficulties they face. In addition, the Guide to College Students' Long-term Entrepreneurship Service is being compiled, which is a one-time entrepreneurship policy notice and supporting distribution.

Broaden employment channels in many ways.

Changsha News Yesterday, Changsha Municipal Labor and Social Security Bureau reported the employment situation of college graduates in Changsha this year, analyzed the overall employment situation of college graduates this year, and introduced various systems and policies to promote employment issued by Changsha Municipal Government and labor departments at all levels.

The total supply continues to increase, the number of jobs decreases, and the contradiction between supply and demand structure still exists, which is the reality faced by the employment of college students in Changsha. It is understood that in recent years, the number of college graduates in Changsha has continued to increase, which will reach a historical peak this year, and the previous graduates accumulated over the years have also increased the base for college students to be employed. At the same time, the total demand for social employment in Changsha is about 85,000, a year-on-year decrease of 30,000. "Unemployed" and "unemployed" phenomena exist at the same time, the employment concept and ability of graduates can not fully meet the needs of the employment market, and the employment regional structure is extremely unbalanced.

Facing the challenges of economic situation, total employment and structural adjustment, the labor and social security departments in Changsha have taken a multi-pronged approach, taking service and security as the breakthrough to solve the employment problem of college students.

Through special activities such as "Policy Campus Tour", "College Graduates Service Month" and "Private Enterprise Recruitment Week", the public employment service network is connected with the college employment network, and post information is directly sent to college graduates.

At the same time, we will broaden and smooth the employment channels for college graduates in various ways, vigorously develop grass-roots social management and public service posts suitable for college graduates' employment, and encourage and guide college graduates to work at the grassroots level in urban and rural areas. Encourage enterprises to absorb college graduates' employment by providing different amounts of secured loans and giving financial subsidies.

For graduates who have achieved employment, Changsha Labor and Social Security Department and its public employment service agencies will also solve their worries and provide file custody, personnel agency and social insurance relationship transfer and connection services.

The above content is provided by Changsha Ouyun Finance for reference only, and I hope it will help you!

4. Should both husband and wife check the credit information within 200,000 yuan of interest-free business loans? What does the guarantor need?

Hello, as long as you want the credit of the lender, you don't need to check the credit of the other half. The guarantor only needs to make sure that he can contact you.

: The specific discount content of the venture loan is as follows:

1. Target: college students/returned overseas students, Shenzhen hukou, etc. Within five years after graduation, and the enterprise belongs to a start-up enterprise in Shenzhen, it operates normally and pays social insurance premiums according to law;

2. Loan amount and term: self-employed individuals can apply for a maximum of 600,000 yuan, and partnership enterprises can apply for a loan with a total amount of 3 million yuan and each eligible loan object does not exceed 600,000 yuan. The longest loan period is 3 years;

3. Application conditions: The applicant must meet the object and conditions of the business start-up guarantee loan, have a complete and feasible business start-up project in operation, have a good credit record, and have certain profitability and repayment ability.