The process of college students' entrepreneurship loan is as follows: 1. Submit an application. First prepare relevant materials and personal information, consult the local people's social security bureau and apply for a business loan; 2. Accept the application. After accepting the application, the local human resources and social security bureau will review the application materials and inform the next procedure; 3. Preliminary review. The Human Resources and Social Security Bureau conducts a preliminary examination, conducts pre-loan qualification examination, focuses on graduation institutions and graduation time, and evaluates the applicant's entrepreneurial ability; 4, the higher authorities for review. After examination and approval by the local human resources and social security bureau, it shall be reported to the superior human resources and social security bureau for final review and submitted to the local guarantee institution for review, mainly to confirm whether the loan can be made; 5. Provide guarantee. The applicant shall provide the guarantee measures recognized by the guarantee institution; 6. Evaluation and audit. Banks, guarantee institutions and local human resources and social security bureaus * * * review loan projects and sign loan contracts and guarantee contracts after approval; 7. Issue loans. The bank shall open an account with the applicant and issue loans within the prescribed time limit. College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (undergraduates, postgraduates, doctoral students, etc.). ) issued by banks and other fund issuers. 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. Conditions for college students' entrepreneurial loans: 1. Applicants for college students' entrepreneurial loans have reached the age of 18, and have legal and valid identity certificates and legal residence certificates at the place where the loan bank is located, and have 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. The investment projects of college students' entrepreneurial loan applicants have certain self-owned funds; 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; 5. Open a settlement account in the bank, and the operating income will be settled by the bank.

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

First of all, you must have registered with the local labor and social security department for unemployment. If you plan to engage in self-employment, or do small business, you can apply for a small secured loan. The relevant provisions are as follows: the amount of the loan applied for is 20,000 yuan to 50,000 yuan; In the case of partnership, the maximum is 6.5438+10,000 yuan, calculated at 20,000 yuan per person. The loan term is generally 1 year, and the longest is no more than 2 years. You can renew it when it expires. After the loan expires, graduates who repay the loan on schedule and meet the prescribed conditions can apply for loan discount directly to the county (city) and district employment management service agencies, and after examination, the financial department will give 50% discount. Graduates applying for small secured loans should apply to the social security agency in the street (township) where their household registration is located for loan qualification identification, fill in the qualification identification form for small secured loans, and provide their ID card and photocopy, household registration book and photocopy, unemployment registration certificate and photocopy, feasibility and benefit evaluation report of entrepreneurial projects, relevant collateral and third-party guarantee certificate and other credentials.

Because local policies are different, I suggest you consult the local labor bureau about the conditions of college students' entrepreneurial loans: the materials and procedures for applying for small secured loans for self-employment.

1, providing materials

Small secured loan application, reasonable and effective identity certificate (ID card), and loan venture project plan.

2. Application steps

(1) voluntarily apply to the graduate employment guidance service center under the personnel department of the local government.

(2) The Graduate Employment Guidance Center shall, jointly with the relevant departments, conduct a preliminary examination of the basic conditions of applicants applying for loan guarantees.

(3) The Graduate Employment Guidance Service Center will send the applicant's relevant materials that have passed the preliminary examination to the municipal guarantee institution.

(4) The municipal guarantee institution shall review the guarantee application. After the guarantee institution promises to guarantee, the graduate employment service center will submit the relevant materials of the applicant to the commercial bank with loan guarantee cooperation relationship for loan review.

(5) After the commercial bank approves the loan, it signs a guarantee contract with the guarantee institution, signs a loan agreement with the loan applicant, and issues the loan, and indicates on the applicant's self-employment certificate that the guarantee agreement has been handled.

Conditions of college students' entrepreneurial loans: requirements of banks for loan applicants

(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;

(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) The borrower has certain self-owned funds for investment projects;

(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;

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

Loan applicants need to provide application materials.

(1) Identity documents of the borrower and spouse (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;

(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;

(4) Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) property issued by the appraisal department recognized by the bank.

3. What is the latest scheme of Nanjing University Students' Entrepreneurship Loan in June 2065438?

There are two ways: one is the installment loan for college students, which is a way for enterprises to subsidize students, in small installments.

You can choose to travel, train and shop, with a certain interest every month, and you can use your mobile phone.

The App is then nationwide according to its own amount, no matter where you are.

Just place an order on your mobile phone. Materials: Student ID and Xue Xin. Com information.

The second is the student-origin loan, which is a way for the state to subsidize college students to pay tuition fees. interest-free loan

Download a copy from the student loan website and go to the local department to handle it. In this case,

You must go to the registered permanent residence.

Choose the way that suits you according to your own needs.