Application conditions:

1, fresh graduates, and graduation;

2. College degree or above;

3. 18 years old or older;

4. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.

Application process:

Graduates first apply to the local people's social security bureau for small secured loans, fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers, and then submit their identity documents, employment unemployment registration certificates, pre-examination forms for small secured loans for laid-off workers and a copy of their business licenses to the banks that handle small secured loans. The bank and the borrower will sign the loan submission materials in person within 5 working days.

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. The object and amount of industrial loan discount shall be approved by the Personnel Bureau in conjunction with the Finance Bureau and other relevant departments to apply for the amount of commercial loan discount according to factors such as industry orientation, enterprise scale, number of employees, registered capital, profits and taxes;

3. publicity. The preferential object and the preferential amount shall be publicized by the Personnel Bureau and the applicant's unit or community, and the publicity period shall be 5 working days;

4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of examination and approval.

5. payment. According to the regulations of the relevant ministries and bureaus, the subsidy funds are allocated in the special funds for students' self-employment.

Interest-free loan conditions for college students:

1, college degree or above;

2. Failing to register for unemployment for more than 6 months after graduation;

3. The loan applicant must have a fixed residence or business premises;

4. Business license and business license, stable income and ability to repay principal and interest;

5. The projects invested by entrepreneurs have certain self-owned funds.

Preparation materials for college students' interest-free loans:

1, identification;

2. Students need to provide student ID cards and transcripts;

3. I have graduated from school

4. Checklist of frequently used bankbooks or bank cards in the past 6 months;

5. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honorary certificates/certificates for teaching, etc.

6. Check whether students have bad criminal records.

Interest-free loans for college students

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2, the registration authority to verify the registration procedures, and indicate the registration time in the "registration card", stamped with the seal of the registration authority and returned to me, in the "individual business license" operator's name marked "college graduates";

3. College graduates are exempt from the above-mentioned related fees with the business license of individual industrial and commercial households.

2. What is the application process of business start-up loans for college graduates of BOC?

Application process of college graduates' business loan: 1. If a guarantee institution is adopted, it shall be carried out in accordance with the procedures of voluntary application, community recommendation, labor and social security department audit, loan guarantee institution audit commitment and bank approval. 2. If the natural person guarantee method and mortgage (pledge) guarantee method are adopted, the loan applicant can directly apply to our bank and handle it according to our personal mortgage (pledge) revolving line loan or process. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

Third, how do fresh college graduates apply for loans to start businesses?

With regard to small secured loans, the loan targets are the following persons who are self-employed and have insufficient funds for starting their own businesses more than three years away from the statutory retirement age: 1. Holders of the "Re-employment Concession Card" issued by the labor and social security departments; 2. Demobilized urban veterans; 3. Registered unemployed persons in other cities and towns who hold unemployment registration certificates issued by labor and employment service agencies (with unemployment certificates or unemployment insurance manuals); 4. Small labor-intensive enterprises that meet the loan conditions. Any other loan needs to apply for a mortgage loan from the bank, and the bank will evaluate your collateral and finally determine the loan amount.

Four, Hefei venture loan policy 202 1

Preferential policies and application requirements for college students' entrepreneurial loans

Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; If you start a business with a certain scale or become a re-employment star, you can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers and college students to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers and college students launched in many areas can also enjoy a 60% discount from the government.

College students' entrepreneurship loan is a preferential measure provided by the state to college students. 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.

Loan requirement

(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has 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) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment; (5) Open a settlement account in a bank, and the operating income will be settled by the bank.

preferential policy

(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, with the balance.

(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.

(3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.

Relax the field of entrepreneurship

All kinds of entrepreneurs can enter industries and fields not prohibited by laws and regulations and enjoy relevant preferential policies equally.

Relax the registration title

Enterprises and individual industrial and commercial households that bid in accordance with the law are not restricted by registered capital, and are titled as "Anhui Province", which is directly declared and approved by the Municipal Administration for Industry and Commerce.

Relax the scope of preparatory business license.

If the business scope of the enterprise applying for registration involves pre-administrative examination and approval, but we are unable to submit the examination and approval documents and certificates, the industrial and commercial authorities may mark "preparation" after changing the business scope, and issue a business license for the preparation period.

"Zero Down Payment" for College Students' Entrepreneurial Registered Capital

College graduates who invest less than 500,000 yuan to set up a limited liability company within two years after graduation can register with "zero down payment" and pay their registered capital in full within three years from the date of establishment of the company.

Clarify the registered proportion of non-monetary assets.

Investors are allowed to set up small and medium-sized enterprises with intellectual property rights, scientific and technological achievements and other non-monetary assets at a fixed price, and intangible assets can contribute up to 70% of the registered capital of the enterprise.

Exempt from administrative expenses

Administrative fees related to management, registration and certification for college graduates, registered unemployed persons and returning migrant workers.

Clear entrepreneurial support groups

For college graduates and secondary vocational and technical school graduates within two years of graduation, registered unemployed people, returning migrant workers, etc. Engaged in individual business according to law, in addition to the exemption of relevant administrative fees, self-raised funds are insufficient, can apply for a small secured loan of not more than 50 thousand yuan; In line with the conditions of small-scale low-profit enterprises, enterprise income tax will be levied at a reduced rate of 20%, and a certain proportion of loan interest will be given according to regulations.

Preferential policies for entrepreneurship support

For informal employment organizations, industrial and commercial registration is exempted within three years: those who have been operating normally for more than 12 months and paid social insurance according to law will be given a one-time subsidy of 2,000 yuan/person for entrepreneurs and 4,000 yuan/person for those with employment difficulties; Entrepreneurial entities that recruit registered unemployed persons, sign labor contracts for more than 1 year and pay social insurance premiums according to law will be given a one-time subsidy of 1500 yuan/person, and a one-time subsidy of 2,000 yuan/person for those with employment difficulties.

Preferential policies of pioneer park

For entities established according to law, such as college graduates and secondary vocational and technical school graduates, registered unemployed people, returning migrant workers, etc. Within 2 years after graduation, in addition to relevant administrative fees, property management fees, health fees and other management fees will be exempted, venue fees will be halved, and utilities will be appropriately reduced. The reduced part is paid from the site fee paid by half: for those with insufficient self-raised funds, small secured loans can be provided; Recruit people with employment difficulties, sign labor contracts for more than one year and pay social security fees according to law, and give social security subsidies for the corresponding period; Recruit zero-employment family members in cities and towns, and give them a one-time employment reward; For the low-profit enterprises that leave the park after the expiration of three years of cultivation, if they are in line with labor-intensive small enterprises, they can provide two small secured loans to support them.

Preferential tax policies for college graduates and secondary vocational and technical school graduates to start businesses within two years after graduation.

College graduates and secondary vocational and technical school graduates within two years of graduation are exempted from labor and personnel agency fees when starting a business, and enjoy linkage services such as entrepreneurial projects, entrepreneurial training and information consultation free of charge; Entrepreneurial projects in line with the city to encourage the development of industrial fields, to give small secured loans and discount support. College graduates who have graduated for two years and are engaged in self-employment according to law shall be exempted from business tax, urban maintenance and construction tax, education surcharge and personal income tax within one year from the date of first registration by the administrative department for industry and commerce; For college graduates and secondary vocational and technical school graduates who set up and lead scientific and technological enterprises in scientific and technological enterprise incubators created by governments at all levels and pioneer parks within two years after graduation, they are exempt from paying rent within three years; Engaged in community service industry and agricultural entrepreneurship, according to the number of employed people, give special entrepreneurship subsidies.