First, graduates hold all kinds of materials and apply to the Municipal Personnel Bureau.

Second, the Municipal Personnel Bureau is responsible for the pre-loan review of microfinance, examining whether graduates meet the loan conditions, and whether the loan application project belongs to the microfinance financial discount and meager profit project, and issuing a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.

Three, by the county (city) personnel bureau for examination, submitted to the county (city) guarantee institutions for examination.

Four, the guarantee institutions to review the loan applicant's guarantee application and the counter guarantee measures provided.

Five, by the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant.

Six, college graduates (including college, undergraduate, graduate) engaged in self-employed, since the date of approval to start business, self-employed registration fee, self-employed management fee, economic contract model text fee in 1 year. 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.

Extended data

First, the application conditions:

1. Unemployed for more than 6 months after graduation, and registered with the local labor and social security department.

2. College degree or above.

Second, the loan method:

Small loans for college graduates to start their own businesses are secured by mortgage.

Three. Loan term:

The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans from the government, with a term of 1 ~ 2 years, after which they will no longer enjoy financial interest subsidies.

The main contents of college students' entrepreneurship support:

First, give financial support to college students' entrepreneurship. Comprehensive evaluation of college students' self-employment ability, scientific and technological content, potential economic and social benefits, market prospects and other factors, providing free financial support of 20 thousand yuan to150 thousand yuan. The support standard is divided into four grades: 20,000 yuan, 50,000 yuan, 6,543.8+10,000 yuan and 6,543.8+0.5 million yuan. Give priority to entrepreneurial projects with independent intellectual property rights and invention patents, which are energy-saving and labor-intensive; The amount of project support for self-employed entities shall not exceed 50,000 yuan.

Two, the implementation of college students' entrepreneurship (entrepreneurship) subsidies. For eligible college students who start their own businesses for the first time, they will be given a subsidy of 5,000 yuan for starting their own businesses. Each person can only enjoy a business (business) subsidy for each business license.