The bank's requirements for the loan applicant are (1) at least 18 years old, with legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and with 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. The loan applicant shall provide the application materials (1), the 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 collateral or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), the enterprise registration and simplified procedures reported by the evaluation department recognized by the bank 1. Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted. 2. Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". College graduates engaged in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record. Reminder: According to the staff of the Individual Department of the Provincial Administration for Industry and Commerce, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring the Employment Recommendation Form for College Graduates, graduation certificates and other related materials when going through the relevant procedures for starting their own businesses. Financial loan: 1, priority loan support, appropriate credit loan. Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks. 2. Simplify the loan procedures. By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time. 3. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate. Reminder: Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other relevant persons in Rong Bank all said that at present, the bank has not started the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person from the office of CITIC Industrial Bank Fuzhou Branch said that banks should consider the security of funds while pursuing the profitability and liquidity of funds. Compared with other loans, college graduates' self-employment loans are risky. College students have just graduated, lack social work experience, and have no suitable collateral or guarantee. Banks generally do not lend easily. Another person in the industry also said that even if college students have suitable projects at hand, this is only an individual phenomenon. As an enterprise, the input cost and income of such loans issued by banks are not proportional. In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. The reporter learned that at present, many banks in Rong have opened personal business loans for natural persons who have permanent residence in cities and towns or valid residence status and have reached the age of 18. This kind of risky loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans. In terms of tax payment, all college graduates who are engaged in self-employed business are exempt from paying the tax registration certificate fee within 1 year from the date when the business is approved by the industrial and commercial department. Newly established urban labor and employment service enterprises (except industries restricted by the state), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees, may be exempted from income tax for 3 years with the approval of the competent tax authorities. After the expiration of the tax exemption period for labor employment service enterprises, if the newly placed unemployed persons account for more than 30% of the total number of original employees of the enterprise in that year, the income tax may be halved for 2 years with the approval of the competent tax authorities.

Second, how to borrow the qualification certificate for college students' entrepreneurship?

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

2. College degree or above

Application process:

1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days.

Third, how to borrow the qualification certificate of college students' entrepreneurship

First, the application conditions:

1 College

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 period:

The term is 1 ~ 2 years, and there is no financial discount after 2 years.

Three. Loan method:

University loans are guaranteed, pledged or mortgaged.

Four. Related instructions:

The specific operation method can be consulted with 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.

Verb (abbreviation of verb) application materials:

When applying for such loans, three points are more important:

First, the loan applicant must have a fixed residence or business premises;

Second, business license and business license, stable income and repayment of principal.

The third and most important thing is a certain amount of self-owned funds.

Proof of repayment ability at the time of application, such as personal or family income and property status; Materials for loan purposes, involving collateral or collateral, shall be issued by the evaluation department (quality

In addition to written materials, it is guaranteed by qualified guarantors, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, flow, etc. Decide.

The amount of risk loans generally requires:

① The maximum amount shall not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation;

(2) The term is generally 2 years, with a maximum of 3 years, of which the longest term of working capital loans for production and operation is 1 year;

(3) The execution interest rate of personal business loans can be within the prescribed range.

Loan repayment method:

1. If the loan term is one year (including one year), the principal and interest will be repaid once at maturity, and the interest 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;

3. It can also be agreed by both parties.

Fourth, how to apply for college students' entrepreneurial loans?

The specific process of college students' entrepreneurial loans is as follows:

1. Required materials: application form for college students' entrepreneurship funding (commercial loan discount), application form for college students' entrepreneurs, application form for college students' entrepreneurship funding, legal person ID card, household registration book or household registration certificate, graduation certificate (student ID card), business license, tax registration certificate, organization code certificate, capital verification report issued by accounting firm, articles of association, etc.

2. Applicants are required to apply to the Management Service Center of College Students Pioneer Park and submit the above related materials.

2. The management service center of college students' pioneer park conducts a preliminary examination of the relevant materials submitted by the applicant.

3. After passing the preliminary examination, the Personnel Bureau, the Finance Bureau and other relevant departments will conduct an audit according to the scale and quantity of the enterprise to determine the discount amount.

4. The commercial loan discount object and discount amount that have passed the evaluation shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs.

5. If there is no objection after publicity, the Human Resources and Social Security Bureau will issue a notice of approval.

6. Issue loans.