China Bank is an "ideal home" for college graduates' entrepreneurial loans? "Entrepreneurial treasure" is a small secured loan for college graduates, which refers to a loan issued by a lender to encourage unemployed college graduates with certain entrepreneurial ability to start their own businesses.

First, the loan object

Unemployed college graduates with full capacity for civil conduct, good health, honesty and trustworthiness, entrepreneurial desire and entrepreneurial conditions within the legal working age. The term "college graduates" as mentioned in these Measures refers to college graduates who have been employed for less than five years and have obtained college education or above from full-time colleges and universities recognized by the state, and also applies to students with special skills. On the original basis, it is extended to college graduates (including college student village officials and returned students).

Second, the borrower's conditions

(1) A natural person with full capacity for civil conduct;

(2) Having a local permanent residence and permanent residence;

(3) Hold a valid identity card, have a diploma of junior college or above (including junior college) issued by a full-time college recognized by the state, provide a personal file filing certificate issued by an archiving agency, and a certificate of employment and unemployment registration issued by the local labor and social security department. ; The partnership enterprise shall also provide a cooperation agreement or articles of association;

(4) Proof of the business scope and ownership of the business premises;

(5) Being able to provide effective guarantee recognized by the bank;

(6) Your self-raised funds shall not be less than 30%;

(7) Other conditions stipulated by the lender.

Three. The information submitted is as follows:

(1) If a guarantee institution is adopted, the following materials shall be submitted:

(1) Original and photocopy of my valid ID card (including but not limited to ID card or household registration book, etc.). );

(2) Unemployed college graduates provide the original and photocopy of the Graduation Certificate and the Employment Unemployment Registration Certificate issued by the local labor and social security department; In the case of partnership, a cooperation agreement or articles of association shall also be provided;

(3) The original and photocopy of the industrial and commercial business license or business license;

(4) A loan application, including the loan amount, loan term, loan purpose, repayment method, repayment source and other main contents;

5] community recommendation, labor and social security departments to investigate the first instance of qualified evaluation opinions;

[6] The loan guarantee institution reviews and promises to provide written guarantee documents of irrevocable joint and several liability guarantee;

(7) The opinions and materials provided by the labor and social security department for the examination and confirmation of low-profit projects (applicable to low-profit project loans guaranteed by guarantee institutions and subsidized by finance);

As a self-financing document;

(9) Your personal credit report;

⑽ Other documents or materials required by the handling bank.

(two) natural person guarantee and mortgage (pledge) guarantee, submit the following information:

(1) Original and photocopy of resident ID card or household registration book;

(2) Students with special expertise provide school certificates, and unemployed college graduates provide the original and photocopy of graduation certificate and employment unemployment registration certificate issued by the local labor and social security department; In the case of partnership, a cooperation agreement or articles of association shall also be provided;

(3) The original and photocopy of the industrial and commercial business license or business license;

(4) A loan application, including the loan amount, loan term, loan purpose, repayment method, repayment source and other main contents;

5] Self-operated project plan;

(6) Your self-financing documents;

Once your personal credit report;

Other documents or materials required by the handling bank. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.

Can college students get loans?

College students belong to the category of adults, and loans are completely acceptable. There are several ways for college students to borrow money. Please refer to: you can consult with the academic affairs office of the school to apply for a student loan, and the school will handle the loan matters if allowed. Entrepreneurial countries can take interest-free loans and consult relevant communities with graduation certificates and identity certificates. If the conditions are fully met, you can apply for a loan. In terms of bank loans, the state also takes care of college students' loans, but I need to have a business license for the business premises and relevant industrial and commercial departments. Application conditions for college students' entrepreneurial loans: college degree or above; Unemployed for more than 6 months after graduation and registered as unemployed in the local labor and social security department. Loan Term: The small-scale entrepreneurial loans provided by the state for college graduates are subsidized by the government, with a term of 1 ~ 2 years. After 2 years, they will not enjoy financial discount. Loan mode: the way for college graduates to start their own businesses is to guarantee and mortgage (pledge) loans. Please consult the local labor and social security bureau for specific operation methods. 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. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses. When applying for this kind of loan, the application materials are three key points: first, 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; The third and most important point is that 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. Loan repayment method: 1. For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid at the maturity, and the benefits will be paid off with the principal; 2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. Tax Exemption Policy College graduates (including junior college students, undergraduates and graduate students) who are engaged in self-employment are exempt from the self-employment registration fee, self-employment management fee and economic contract demonstration text cost within 1 year from the date of approval of business operation. 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. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Can fresh graduates take their diplomas to the bank for loans?

Can fresh graduates take their diplomas to the bank for loans? There are two ways for students to apply for personal loans: student loans. To apply for a student loan, you can apply to a local bank or submit a student loan application to a school. After the relevant institutions of the school audit, the school shall submit a loan application to the bank. After approval, the lender and the bank can sign a loan contract and obtain a student loan. College students' entrepreneurial loans. Identification is required, and students at school are required to provide student ID cards and school transcripts; Graduates are required to provide graduation certificate, degree certificate, passbook or bank card reconciliation list commonly used in the past six months. Other credit certificates, such as scholarship certificate, class cadre certificate, community activity certificate, various honorary certificates, blood donation, voluntary teaching and other social rewards, do not need mortgage or guarantee.

Ways for college students to apply for interest-free loans: applicants apply for loans to the local social security bureau with graduation certificate, degree certificate or school certificate, and the social security bureau is responsible for the preliminary examination. After the first trial is passed, the Social Security Bureau will issue a recommendation form and issue a written opinion on the applicant's entrepreneurial ability. After the applicant has passed the preliminary examination, the Social Security Bureau shall submit it to the social security department at the next higher level for review and submit it to the local guarantee institution. The guarantee institution guarantees the applicant, and the applicant carries the above information to the bank for examination and approval. After all the above approvals are passed, the bank signs a loan contract with the applicant, stipulating the repayment method and interest. When a bank issues a loan, the applicant can enjoy a government discount for two years, and then the interest needs to be repaid on time.

To apply for a bank loan, you need to prepare materials: valid identity documents; Proof of permanent residence or valid residence, proof of fixed residence; Proof of marital status; Bank flowing water; Proof of income or personal assets; Credit report; Use plan or loan use statement; Other information required by the bank. Requirements for bank loans: Persons who have reached the age of 18, have full capacity for civil conduct, and have permanent residence of urban residents or legal and valid identity certificates. Bank loans require lenders to be between 65,438+08-60 years old; Have a stable legal income and the ability to repay interest; Have good credit information; Other conditions required by the lending bank. The process is generally divided into three steps: the customer submits basic information, including the work unit and contact number. The lending bank or company checks the customer's credit information, including whether there is any illegal record of the customer's credit rating. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.

Can college students get loans?

If you can, you'd better not borrow money. Under normal circumstances, the school requires to pay off the loan two years after graduation. It's stressful. Two years after graduation is the time to start. If you are in a hurry to find a job to repay the loan, the loss is not worth it. Of course, you can get a loan if you really need it.

Benefits: 1 Loans have no interest, which can reduce the burden on families. I can help you apply for poor students. If you have an investment vision, you can invest in something after the loan.

Disadvantages: repayment, interest after graduation, and great pressure.

Trouble: it is difficult to apply. We need many certificates.

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. A simple and popular understanding is that borrowing money requires interest. Through loans and monetary funds, banks can meet the needs of society for supplementary funds, expand reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Loan risk classification refers to the process that commercial banks classify loans according to the degree of risk. Its essence is to judge that the following objectives should be achieved through loan classification:

(1) Reveals the actual value and risk degree of the loan, and truly, comprehensively and dynamically reflects the loan quality.

(2) Find the problems in the process of credit management in time and strengthen the loan management.

(3) Provide a basis for judging whether the loan loss reserve is sufficient. The debtor may repay the loan principal and interest in full and on time.

The loan classification should follow the following principles:

(1) principle of authenticity. Classification should truly and objectively reflect the risk status of loans.

(2) the principle of timeliness. The classification results should be dynamically and timely adjusted according to the changes in borrower management.

(3) the principle of importance. For many factors affecting loan classification, the key factors shall be determined according to the core definition in Article 5 of these Guidelines for evaluation and classification.

(4) the principle of prudence. For loans that are difficult to accurately judge the borrower's repayment ability, the classification level is appropriately lowered.

Can college students get loans?

College students don't have any source of income and can't provide proof of income, but in the face of many special circumstances, they also need to use banks to complete loans. According to market research, domestic college students have no job, no stable income, and for college students, they do not have the ability to repay. Therefore, it is difficult for college students to apply for personal loans, and it is also difficult for banks to approve and obtain personal credit loans. However, the bank has set up national student loans and entrepreneurial loans for college graduates.

First, apply for a student loan.

If college students need loans, they can get financial assistance by applying for student loans. The application process for student loans is very simple. As long as the working college students with poor family living conditions are unable to afford the living expenses and tuition fees during their school days, they can provide relevant materials and complete the application for student loans. Of course, the application amount of student loans is very limited, generally below 1 10,000 yuan.

Second, apply for a business loan.

The state's support for college students' entrepreneurship is constantly improving, so banks provide applications for college students' entrepreneurship loans. In the application process, as long as college students effectively sort out their school certificates and applied entrepreneurial projects, and then submit them to the bank, if they have legal procedures such as business licenses, the probability of obtaining entrepreneurial loans is higher, helping countless college students successfully complete the whole process of loans and apply for higher personal loans.

Can college students get loans?

Of course. When college students apply for a loan for the first time, they should submit the following materials: (1) borrower's household registration book and valid ID card (show the original and submit 2 copies). (2)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies). (3) Application Form for Identification of Poor Students in Colleges and Universities (1 original and photocopy). #p# Subtitle #e#(4) Proof of family financial difficulties (1 original and copy). (5) Bank card deposited by the borrower in the local postal service (show the original for checking and hand in 2 copies). (6) Borrowing students show their student ID cards and hand in 2 copies. Your student ID card has no mortgage and proof function, so you don't have to pay it after application. There are many ways to repay, and it is the bank that lends you money, not the school. (1) Before graduation, students will pay off in one lump sum or in installments; (2) After graduation, the work unit will return all the loans to the loan issuing department; (3) After the probation period expires, graduates will be deducted from their wages month by month within two to five years; (4) Depending on its performance, the unit where the graduates work decides to reduce or exempt the loan repayment; (5) For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.