What conditions do college students need to start a business? -Entrepreneurship loans for college graduates.

1. Attend the entrepreneurship training for college students organized by the local labor department and pass the exam.

2. Pass the examination of college students' entrepreneurship.

3. Submit a complete project plan.

4. Fill in the complete registration form.

5. There must be guarantee conditions.

6. Submit all materials to the local labor and social security department, quickly lower the loan threshold, and complete all procedures in one stop.

Compared with the old policy more than a year ago, the new policy of college students' self-employment loans has indeed made great progress. The Ministry of Education expressed the hope that this improvement will encourage more college students to enter the ranks of self-employment.

"One-stop" formalities

After graduating from college, Cheng Yan accidentally learned that college students can get loans for starting businesses, so he consulted relevant departments. But at that time, many departments only knew how to give loans to laid-off workers and didn't know what it was like to start their own business. As the procedures of relevant departments are still in the exploratory stage, the road to loan in Cheng Yan is doomed to be not very smooth from the beginning. Cheng Yan said: "The relevant departments themselves don't know the application procedure, and I printed the form myself. After running back and forth for more than a month, the light transportation cost was 100 yuan. "

Policy change: Shenyang will establish a "one-stop" green channel service for approval, guarantee and loan issuance in various regions, improve the professional quality of enterprise managers, and provide more convenient and efficient services for college students' entrepreneurship. The loan amount was changed from 20,000 to 50,000.

[Reviving the past]: Cheng Yan didn't start from scratch. The drugstore he runs now is run by several relatives in partnership. After several years of operation, they hope that Cheng Yan, who just graduated, will continue to do so, which also provides him with a certain economic foundation. Cheng Yan said that without this material guarantee, he would definitely not be able to run the drugstore with a loan of 20,000 yuan. However, the relevant policies stipulate that the maximum loan amount per person is 20,000 yuan, which is not enough for college students who really start their own businesses.

Policy change: The new policy gives more favorable conditions in terms of loan amount, term and discount. The maximum loan amount can be extended to 50,000 yuan. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The discount interest funds undertaken by the local government shall be subsidized by the municipal finance at 60%.

Counter-guarantee is gradually cancelled.

"Bring up the past": The procedure is complicated and the amount is limited, but I still won't talk about it. The guarantor's problem almost made Cheng Yan give up. The original loan policy made quite strict requirements on the qualifications and conditions of loan guarantors. After careful consideration, Cheng Yan decided to use his parents' salary as a guarantee. He couldn't help wondering: "If both parents are farmers and college students, what kind of guarantee can be provided? "

According to a staff member of Shenyang Branch of China Construction Bank, for college students with certain capital, experience and management ability, their loan request can be considered with reference to the scale of operation, and some college students are encouraged to start their own businesses through this form. But in order to control risks, banks must require borrowers to have reliable guarantors and certain capital.

Policy change: the establishment of loan guarantee fund and the cancellation of counter-guarantee are to some extent the adjustment of credit guarantee and other issues by the new policy. The new policy stipulates that governments at all levels should increase the scale of loan guarantee funds, and the handling banks should give full play to the amplification effect of loan guarantee funds, and the balance of loan liabilities should not exceed five times the balance of loan guarantee funds; Establish a compound sharing mechanism for loan guarantee fund to compensate losses. When the loan is lost, the handling banks will compensate 80% from the loan guarantee fund deposited in the bank, and the handling banks will share 20%.

The background of the news story

Cheng Yan, a college student who graduated last year, applied for a loan of 20,000 yuan from the personnel department for college students to start their own pharmacy. Although the final loan application was successful, during the application process, many college graduates who want to apply for entrepreneurial loans stopped, resulting in a situation of asking more and doing less.

Yesterday, the General Office of Shenyang Municipal Government issued a document, clearly lowering the loan threshold, and increasing the loan amount from 20,000 yuan to 50,000 yuan. Does the introduction of the new loan policy indicate that college students' self-employment loans, which were born one and a half years ago, are about to bid farewell to the "dormant" period?

related news

Procedures for handling college students' self-employment loans

□ Reporter Yan

According to the document Notice of Liaoning Provincial Government on Several Policies for Promoting the Employment of College Graduates (Liao Fa [2003] No.26), college graduates with self-employment certificates in Liaoning Province can apply for self-employment loans.

According to the regulations, college graduates who apply for self-employment security in Shenyang must hold the College Students' Self-employment Certificate. Graduates who apply for the Certificate of Self-employment of College Students need to bring the following materials to the Graduation Office of Shenyang Personnel Bureau:

1. Approval Form for Self-employment of College Graduates;

2. Original and photocopy of graduation certificate; 3. The original and photocopy of my ID card; 4. Registration card; 5. Two one-inch photos;

6. My file needs to be submitted to the Graduation Office of Shenyang Personnel Bureau.

The municipal personnel department shall, jointly with the education department and the Communist Youth League Committee, conduct a preliminary examination of the basic conditions for the applicant to apply for loan guarantee, and issue a certificate of self-employment. Submit the relevant application materials that have passed the preliminary examination to the guarantee institution at the same level, and the guarantee institution will review the guarantee application. After the guarantee institution promises to guarantee, the education department will submit the relevant information of the applicant to the commercial bank with loan guarantee cooperation relationship for loan review. After the commercial bank approves the loan, it signs a guarantee contract with the guarantee institution, signs a loan agreement with the loan applicant, issues the loan in time, and indicates on the applicant's self-employment certificate that the secured loan has been handled. 25 principles of starting a business

1 First, choose to do what you are really interested in.

Being a boss and working for others will never make you rich.

Providing an effective service, or an actual product, can be said that the chances of becoming rich by drawing and writing are infinitely small, while the chances of making a fortune in marketing, real estate and manufacturing are relatively small.

If you want to insist on starting a business by your own inspiration, you'd better choose the entertainment circle.

Whether you are an actor or a businessman, you should try to increase your audience. People who sing in small cafes don't make as much money as people who record records for big record companies. Local businessmen won't make more money than national businessmen.

Find a demand and meet it. The society is becoming more and more complex, and people need more and more products and services. The first person to find these needs and meet them is also the first person to get rich.

Dare to adopt new products and methods will bring new wealth.

If you have a professional education or a special talent, make full use of it.

Doing research before starting anything can save a lot of time and money.

10 Instead of always thinking about getting rich, think about how to improve your career. When business is smooth, wealth will follow.

1 1 If possible, starting a family business can reduce costs and make it easier to control.

12 Reduce expenses as much as possible, but don't sacrifice quality, otherwise it will become chronic. There is little chance of making big money.

13 Keep friendship with friends in the same industry. They may be very helpful to you.

14 to spend as much time as possible on your career, you must first sacrifice a little family and entertainment until your career is firmly established.

15 Dare to make up your mind.

16 If you dare to tell the truth, beating around the bush will only waste time.

17 Dare to admit mistakes. It is not a crime to make mistakes, but it is a crime not to correct them.

18 Don't stop because of failure. Failure is inevitable and valuable, and you can learn the right way from it.

19 once you find that a method doesn't work, give up immediately.

Don't take risks you can't afford.

2 1 keep investing, and don't let your profits idle.

Ask a clever lawyer who will save you more money and time.

Hire a smart accountant.

Ask an expert to file tax returns. Smart tax experts can help you get tax exemption.

Stay healthy and calm, or no amount of money will help.

Second, the application and process of college students' entrepreneurial loan conditions

The specific requirements and process of college students' entrepreneurial loans 1. 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 term The small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1 ~ 2 years. After two years, they will no longer enjoy financial benefits. Third, the loan method The way for college graduates to start their own businesses is to guarantee and mortgage (pledge) loans. Four, the specific operation method can be consulted to the local labor and social security bureau. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; 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. V. Application materials 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. 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, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal 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 Requirements The amount of the venture loan is generally 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 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.

Third, some college students use employment and entrepreneurship certificates for loans. Please give me your advice. I want to start a business.

Those universities can't get it. The people who can get it are actually

So don't fantasize about college students' loans. Loan is a loan condition, so be careful when fingerprinting.

If you want to start a business, it is very important to do what you like best. The source of funds is your parents and friends. It is impossible to give you that much money.

I don't recommend college students.

If you want to start a business, you'd better find a similar unit, and the chances of working and studying will be much higher.

Accumulate the first bucket of gold for yourself, take risks and start a business, which is definitely better than taking risks with the blood and sweat of your parents all your life. You know you won't succeed, but I will still give you the money. . . . .