Hello! Those with Shanghai household registration and loans for college graduates who meet the following conditions can guide entrepreneurship: 1. Entrepreneurship loan guarantee refers to those who have Shanghai household registration and are registered in this city. When applying for a business start-up loan from a bank, due to insufficient personal guarantee, on the premise that the bank agrees to the loan, the municipal special fund for promoting employment will provide credit guarantee to help practitioners solve financing difficulties. 2. The following employees who apply for household registration and register in this city: (1) owners of informal employment labor organizations; (2) The legal representative of the enterprise has been in industrial and commercial registration for three years. Three, the two guarantors of the opening loan, the person in charge of the labor organization, apply for the opening loan guarantee, and the legal representative of the loan guaranteed by the municipal special fund for promoting employment applies for the opening loan guarantee, and the municipal special fund for promoting employment provides re-guarantee for his personal guarantee. Four. Provisions on the amount of personal guarantee for applying for starting a business loan: (1) If the person in charge of an informal employment labor organization applies for starting a business loan guarantee, it shall provide effective personal guarantee to the bank in accordance with the following provisions: the loan amount is 70,000 yuan and it is guaranteed; If the loan amount is between 70,000 yuan and 6,543,800 yuan or less, the applicant shall provide an effective personal guarantee not less than 654.38+ 00% of the loan amount; If the loan amount is more than 654.38+10,000 yuan and less than 500,000 yuan, the applicant shall provide proof of not less than 20% of the loan amount. 2) If the legal representative of a small enterprise applies for the guarantee of business start-up, he shall provide effective personal guarantee to the bank in full. 5. Requirements for applying for venture loan guarantee: (1) The applicant has no criminal behavior; (2) The applicant's own funds shall not be less than 50% of the loan amount, and provide necessary personal guarantee; (3) The place to apply for organization registration must be consistent with the business place, and an accounting management labor organization must be established to absorb the "three types" unemployed and insured persons in this city) not less than 70%; (five) employees of small enterprises and individual industrial and commercial households, the number of "three types" personnel shall not be less than "three types" (six) small enterprises and individual industrial and commercial households shall register tax according to law. Materials to be prepared by the intransitive verb applicant: (1) household registration book, identity card (oneself and spouse), marriage certificate, employment and labor organization certificate or lease agreement; (4) Initial loan plan. Seven. The process for informal institutions to apply for loan guarantee for business opening: (1) Apply for accepting the applicant's materials and apply at the business opening guidance service center where they operate. (2) Within10 working days, the district center will provide the applicant with guidance on the guarantee policy of opening loan, investigate the credit record, confirm the identity and qualification, and organize experts to demonstrate and recommend the project. (3) Financial Analysis The social financial consulting agency entrusted by the labor and social security department shall, within 10 working days, investigate, evaluate and analyze the loan application documents and the operation and financial status of the loan project before lending, and issue a financial analysis report. (4) The opening guidance service center of the guarantee approval city shall, within 5 working days, review the integrity and procedures of the loan guarantee application materials in accordance with the regulations, and report to the municipal employment promotion center for approval. (5) The bank loan bank shall, within 5 working days after receiving the Notice of Consent to Guarantee, handle the loan formalities according to the relevant credit regulations. 8. What are the conditions for applying for discount on opening loans? (1) The borrower of the initial loan shall apply within three months from the maturity date of the initial loan; (2) Pay off the principal and interest of the initial loan as required; (3) The labor (economic) organization it runs has absorbed the unemployed, social security personnel and rural affluent laborers in this Municipality (hereinafter referred to as "three types of laborers") and maintained stable employment for more than one year. In addition, the Provisions of Shanghai Municipality on Preferential Policies for College Graduates to Engage in Self-employed Business are as follows: All college graduates who engage in self-employed business within two years after graduation shall be exempted from relevant registration, licenses and management fees within three years from the date of registration by the industrial and commercial department. The above policies and regulations are for your reference.

2. Which bank has venture loans?

China Bank, China Construction Bank and Bank of Communications can all provide venture loans. The loan terms are as follows:

1, with full capacity for civil conduct, under the age of 50.

2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce.

3, engaged in legitimate production and business activities, the project has development potential or market competitiveness, with the ability to repay the loan principal and interest on schedule.

4. Good credit standing, law-abiding, no bad credit and debt records, and mortgage, pledge or guarantee approved by the bank.

5. Having a fixed residence and business premises in the agency.

6. Open a settlement account in the bank and apply for daily settlement through the bank account.

7. Other conditions stipulated by the bank.

3. Which banks can make commercial loans?

1.

China Industrial and Commercial Bank Venture Loan China Industrial and Commercial Bank provides a kind of venture loan for everyone, which is a personal business loan of ICBC's "Happy Career". China Industrial and Commercial Bank's "Happiness Business" personal business loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to borrowers for their legitimate investment and business activities.

2.

Agricultural Bank Venture Loan Agricultural Bank provides two kinds of personal venture loans, namely, personal production and operation loans of Agricultural Bank and personal employment loans of Agricultural Bank. Personal loan of Agricultural Bank refers to the RMB loan business issued by Agricultural Bank to borrowers for legal production and operation.

4. Do banks have venture loans?

Do banks have venture loans? Which banks have venture loans? Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has been engaged in production and operation, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee.

Did the bank start a loan?

At present, the venture loans of various banks have their own different characteristics. For example, business loans of commercial banks are mainly prepared for those who are on the way to start a business but need funds, while business loans of rural credit cooperatives are generally prepared for rural self-employed or farmers to start a business. Choosing the right bank can save you a lot of thought and time when you borrow money.

Which banks have venture loans?

At present, many banks provide venture loans, and the loan conditions and requirements of each bank are different. Here are a few of them. It is recommended that friends in need consult the relevant banks in detail before applying.

The "liquidity" of China Merchants Bank requires the borrower to have a stable business operation, a good credit record, and be able to provide a qualified real estate mortgage line. The maximum loan amount of this product can reach150,000 yuan.

China Bank's "personal investment and operation loan" is a kind of risky loan. The starting point of this product loan is 30,000 yuan, and the maximum amount is generally not more than 3 million yuan.

Compared with ICBC, Bank of Communications is easier to apply for business start-up loans, and the interest rate is lower.

China Industrial and Commercial Bank has always been strict in handling the loan business, and it is difficult for individuals to pass the examination and approval under the condition that the application materials are incomplete.

The "personal employment loan" of Shanghai Bank requires that the borrower must have a permanent residence or valid residence status in Shanghai and a fixed residence, and the mortgaged property must be an existing house with personal property rights. The maximum loan amount of this product can reach 7.5 million yuan.

Shenzhen Development Bank's "Chuangyebao" personal exhibition loan "Chuangyebao" personal exhibition loan is a RMB loan issued by Shenzhen Development Bank to individuals for lenders to engage in production and business activities. Loan term: generally not more than three years, of which the longest working capital loan is not more than one year.