Application conditions:

1, fresh graduate, graduated within two years;

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-sum secured loans, fill in the Pre-examination Form for Small-sum Secured Loans for Laid-off Workers, and then submit their identity documents, employment and unemployment registration certificates, the Pre-examination Form for Small-sum Secured Loans for Laid-off Workers and a copy of their business licenses to the banks that handle small-sum secured loans. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the bank will generally give a reply within 5 working days after submitting the information.

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;

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

5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.

Interest-free loan conditions for college students:

1, college degree or above;

2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department;

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. Graduates are required to provide graduation certificates and degree certificates;

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 honor/social reward certificates, such as blood donation and voluntary teaching.

6. Check whether students have bad criminal records.

The process of interest-free loans for college students;

1. When applying for the registration of the establishment of individual industrial and commercial households, college graduates shall present to the registration authority the graduation certificate and personal identity card of ordinary colleges and universities, and the national employment registration certificate for graduates of ordinary colleges and universities or the national employment registration certificate for graduate students (hereinafter referred to as the "registration certificate") issued by the employment authorities of provincial colleges and universities;

2. After verification by the registration authority, go through the registration formalities according to law, indicate the registration time on the registration certificate, affix the seal of the registration authority and return it to me, and indicate "college graduate" after the name of the business license operator of individual industrial and commercial households;

3, college graduates with the "individual business license" shall be exempted from related expenses.

Second, how to apply for college students' venture capital?

Application process of college students' venture capital:

1. The applicant applies to the Management Service Center of the College Students Pioneer Park and submits relevant application materials, which will be reviewed by the Management Service Center of the College Students Pioneer Park;

2. The Personnel Bureau shall, jointly with the Finance Bureau and other relevant departments, examine the object information of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, number of employees, registered capital, profits and taxes, and verify the discount amount;

3. 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;

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

5. According to the reply notice, after the discount object provides the interest payment certificate, the Finance Bureau will allocate funds from the special fund to support college students' self-employment;

6. Application materials for college students' entrepreneurial loans.

Extended data:

First, the application conditions:

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

2. College degree or above.

Second, the loan method:

The way for college graduates to start businesses is guarantee and mortgage.

Three. Loan term:

The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.

3. What procedures do I need to prepare for which department I want to apply for college students' entrepreneurial loans?

It's the banking department

1, college students' entrepreneurial loans require that the applicant must be an adult, aged over 18 years old;

2. Must have a nationally recognized college degree or above;

3. Those who are currently college students or graduated within two years and have obtained a diploma for more than two years are no longer regarded as college students;

4. No bad criminal record, such as being punished at school and having a criminal record.

College students need to prepare application materials for starting a business loan.

1, personal ID card;

2. Students should provide student ID cards and school transcripts;

3. Graduates should provide graduation certificates and degree certificates;

4.6-month bank reconciliation list;

5. Other credit certificates: scholarship certificates, various honorary certificates, blood donation, volunteer teaching and other supporting documents;

6. The personal or family income, property status and other materials that can prove the repayment ability of the college students' entrepreneurial loan applicant;

7. Collateral related materials of college students' entrepreneurial loan applicants;

8, the business license of college students and related industry business license use certification materials.

Graduates with college degree or above in extended information have not been employed for more than 6 months after graduation, and have registered for unemployment in the local labor and social security department.

1, provided by institutions and staff. If the loan amount is less than 6,543,800 yuan, 654.38+ 0 people are required to guarantee it; If the loan amount is more than 654.38 million yuan but less than 200,000 yuan, it needs two guarantees.

2. The guarantor shall bear unlimited joint liability. Providing the original ID card and submitting a copy need to be copied on both sides, which is a crucial period for college graduates to choose their career development direction.

3. Generally, the term is 2 years, and the longest term is not more than 3 years, in which the longest term of working capital loans for production and operation is 1 year, and the repayment ability documents such as cards, personal or family income and property status, but due to experience,

4. For the relevant agreements and contracts in the use of loans, the reporter has sorted out some relevant policies here, which are guaranteed by qualified guarantors. The payment amount is determined according to the specific guarantee method.