What are the preferential policies for college students' entrepreneurial loans? College graduates who start their own businesses can apply for a small secured loan of up to 654.38+10,000 yuan. If more than one person organizes to start a business, they can apply for a "bundled" loan, with a total amount of 65,438+10,000 yuan per person and a maximum of 2 million yuan. Except for industries restricted by the state, financial discount can be given. Before leaving school, college graduates who started their own businesses apply for small secured loans, which are recommended and assisted by the school employment (entrepreneurship) guidance department and sent to the handling bank for handling according to procedures. Financial institutions should actively explore financial service products suitable for college graduates to start businesses and simplify business processes. Other preferential policies for college graduates to start their own businesses (I) Tax relief policy If college graduates start their own businesses within 3 years from the graduation year (36 months from July 1 day of the year before graduation, the same below), they will be exempted from administrative fees such as registration, licensing and management within 3 years from the date of first registration. Public employment service agencies at all levels shall provide personnel relations and file keeping services for 3 years free of charge. For college graduates who are engaged in self-employed business (except for construction, entertainment, real estate sales, land use right transfer, advertising, housing agency, sauna, Internet cafe and oxygen bar) within the graduation year, according to the limit of 8,000 yuan per household per year, the actual business tax, urban maintenance and construction tax, education surcharge and personal income tax will be deducted in turn within three years. (II) Subsidy and funding policy: College graduates who lease business premises or shops (except in various business incubation bases) within three years from the graduation school year to engage in self-employment or start small and micro enterprises, and who have been operating normally for more than six months since the date of industrial and commercial registration and absorbed more than three people for employment, will be given a rent subsidy of up to two years and up to 3,000 yuan per year. If you start your own business within 3 years from the graduation school year and meet the relevant conditions, you can give a one-time venture funding of about 5,000 yuan. For self-employed college graduates who recruit fresh college graduates, sign labor contracts with a term of 1 year or more and pay social insurance premiums according to regulations, social insurance subsidies and post subsidies with a maximum term of 3 years can be given according to the actual number of recruits, and the required funds shall be paid from the special employment funds. Support network entrepreneurship to promote employment, and network entrepreneurship college graduates recognized by the human resources and social security department in conjunction with relevant departments can enjoy policies such as small secured loans and one-time entrepreneurship funding.

Guangzhou University Students' Entrepreneurship Policy and Where to Apply for Loan?

College students' self-employment loan

First, the application conditions:

1, college degree or above;

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 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.

Three. Loan method:

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

Four. Relevant explanation

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; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.

Five. Application material

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

First of all, 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.

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What are the policies for college students' entrepreneurial loans in 2022?

(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 first paid-in capital is not less than 65,438+00% of the registered capital (the contribution is not less than 30,000 yuan), and the paid-in registered capital will be increased to more than 50% within 65,438+0 years, and the balance can be paid in installments within 3 years. (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. 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. (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.

What preferential policies does Guangdong province have for graduates to start their own businesses?

College graduates are exempt from five fees a year.

(2) College students' self-employment is archived free of charge for 2 years.

(3) You can start a business only with your ID card and university student ID card.

(4) Free risk assessment, free policy training, free loan guarantee and partial tax relief.

(5) low-interest loans.

(6) College students and graduate students can drop out of school, keep their school status and start high-tech enterprises.

(7) "Rainbow Plan" will help support college students' entrepreneurial leaders in various ways.

(8) Applying for the Self-employed Certificate will provide three preferential policies: giving priority to acceptance, giving priority to permission and simplifying registration procedures; Apply to engage in small private enterprises, the implementation of the probation system, during the probation period, free of registration fees, change fees, annual inspection fees; Reduction or exemption of enterprise income tax. In addition, we also enjoy loan guarantee, and the loan amount is generally around 20,000 yuan. This certificate is valid for three years.

Preferential policies for college students' entrepreneurship

The complete handbook policy for college students' entrepreneurship pays attention to the preferential policies for college students' entrepreneurship. In recent years, 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. For college students who plan to start a business, only by understanding these policies can they take the first step in starting a business. According to the relevant regulations of the state and the Shanghai Municipal Government, the fresh college graduates in Shanghai can enjoy four preferential policies, including free risk assessment, free policy training, free loan guarantee and partial tax relief, including:

■ College graduates (including junior college students, undergraduates and graduate students) who are engaged in self-employment shall be exempted from self-employment registration fee, self-employment management fee and economic contract demonstration text cost within 1 year from the date of approval of business. 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.

■ College students who start their own businesses can apply for a loan guarantee of up to 70,000 yuan from the bank and enjoy a loan discount.

■ Shanghai has set up a special entrepreneurship education and training center for recent college graduates to provide free project risk assessment and guidance for college students to help them better grasp market opportunities.

Subsidy policy for college students' entrepreneurship

(1) One-time venture capital

Students in ordinary institutions of higher learning, vocational schools and technical colleges (within 5 years after graduation) have successfully started their own businesses, and they can apply for business start-up subsidies if they apply within 1 year from the date of obtaining their business licenses and have been operating normally for more than 6 months.

Give each household a one-time entrepreneurship support subsidy 10000 yuan.

(b) Social insurance subsidies for start-ups

College graduates who have started their own businesses in this city within 5 years after graduation and obtained business licenses or registered in other legal institutions and operated normally.

According to the lower limit of the current social insurance payment base and the payment ratio in this Municipality, social insurance subsidies such as pension, unemployment, work injury, medical care and maternity will be given for up to 3 years (individual contributions will be borne by individuals).

(3) Rent subsidy

Lease business premises (including social capital investment incubation base) can apply for rent subsidies if they start a startup and serve as the legal representative or principal responsible person. The rent subsidy is directly subsidized to the established enterprises, each household is 5000 yuan per year, and the cumulative period is no more than 3 years.

Entrepreneurship-driven employment subsidies

If a startup enterprise absorbs employment and pays social insurance premiums according to regulations, it will be given employment-driven subsidies (except the legal representative or principal responsible person) according to the number of employed people (the term of signing a labor contract is more than 1 year). Recruit 3 people (including 3 people) below, according to 2000 yuan per person subsidy; If more than 3 people are employed, a subsidy of 3,000 yuan will be given for each additional 1 person, with a total amount not exceeding 30,000 yuan.

(5) Other preferential tax policies.

1. All college graduates who are engaged in self-employment are exempted from paying the tax registration certificate fee (i.e. tax exemption) within 1 year from the date when the local industrial and commercial department approves their operation.

2. Newly established urban labor and employment service enterprises (except national industries), where the unemployed (including college graduates who have registered for unemployment, the same below) exceed 60% of the total number of employees of the enterprise, they may be exempted from income tax for 3 years with the approval of the relevant 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 relevant competent tax authorities.

In addition, different industries have different preferential tax policies:

(1) Enterprises or business units that newly start consulting, information and technical services for college graduates may be exempted from enterprise income tax for two years upon their application and approval by the tax authorities.

(2) College graduates set up new enterprises or institutions engaged in transportation, post and telecommunications. After the application is approved by the tax authorities, the enterprise income tax will be exempted in the first year and halved in the second year.

(3) Enterprises or business units newly established by college graduates engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residential service industry, catering industry, educational and cultural undertakings and health undertakings may be exempted from enterprise income tax for one year upon their application and approval by the tax authorities.

In addition, some cities have also cancelled the restrictions on the settlement of entrepreneurial college graduates!

Preferential policies and application requirements for college students' entrepreneurial loans

Conditions and detailed process of college students' entrepreneurial loan: 1. Application conditions for college students' entrepreneurial loans: 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; When applying for this kind of loan, 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 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, ownership certificates and lists related to collateral or pledge, and pledge evaluation report issued by the evaluation 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. Second, the loan term and amount require that the small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1 ~ 2 years, and they will no longer enjoy financial discount after 2 years. Generally speaking, the amount of venture loan does 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; 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. Iii. 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. The relevant preferential policies depend on your local government. Four. Application process 1. Accept. 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 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. ;

The policy of college students' entrepreneurship loan in Guangdong Province and the quota of college students' entrepreneurship loan in Guangdong Province came to an end. I wonder if you found the information you need from it?