The information of college students' entrepreneurial loan is ID card and student status certificate.

Application process of college students' entrepreneurial loan

1. accepted. The applicant applies to Daxin and submits it to the relevant industrial park management service center for 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. After publicity without objection, issued by the personnel bureau.

5. payment. According to the approval notice of the relevant departments, the Finance Bureau subsidizes college students' self-employment funds at a discount.

6. Application materials for college students' entrepreneurial loans

Hello, I want to apply for a business loan. What preparations do I need to make?

Haha, I laughed when I saw the following reply. Banks can dream of giving risky loans. Banks may not be willing to give you a loan because they have enough collateral. Banks mainly look at your company's income and capital flow. You just started your business. Where did the capital flow come from? Forget the bank.

1. Personal business start-up loan: Business start-up loan refers to a special loan issued by an individual who has certain production and business operation ability or has engaged in production and business operation activities, applies for starting or restarting, and is recognized as an effective guarantee by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of the venture loan is 1 year, with a maximum of 3 years.

2. Commercial mortgage loan: At present, many personal loans handled by banks will not be asked about the purpose of the loan as long as the mortgage procedures meet the requirements. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.

3. Secured loan: If you don't have a certificate of deposit, national debt or insurance policy, but your wife or parents have a stable income, it can also be an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name, and you can get the venture capital on the same day when you prepare all kinds of materials.

3. How do flexible employees apply for business start-up loans?

To apply for a business guarantee loan, the following conditions shall be met:

A) Being honest and trustworthy within the legal working age, registered unemployed people in cities and towns, landless farmers, people with employment difficulties (including the disabled), demobilized veterans, released prisoners, college graduates (including university student village officials and returned students), workers and unemployed people from enterprises with overcapacity, migrant workers returning home to start businesses, online merchants, poor people with established files, entrepreneurs with master's or doctoral degrees, universities and scientific research institutes, etc. are allowed to start their own businesses.

B) Economic entities that meet the above conditions and are organized for employment and entrepreneurship, legally operate and have some idle funds, and absorb labor-intensive small and medium-sized enterprises that meet the above conditions and meet the specified requirements;

C) The applicant is in a state of self-employment and has not been employed in a government agency, enterprise or institution at the time of self-employment;

D) Have a business license (college graduates can rely on a business plan);

E) The business address is in Xiangyang.

4. What materials should be prepared for the venture loan?

1. My valid identification. 2. Proof of marital status. 3. Proof of loan use. Four, in the loan location has a fixed business premises and residence certificate. Five, with a certain amount of proof of start-up funds for entrepreneurial projects. 6. Can provide relevant guarantee certificates. If the borrower has prepared the loan materials, he can apply for a venture loan at the bank outlet with the materials. After receiving the materials, the bank will review them, sign a loan contract after approval, and the borrower needs to go through mortgage, notarization and other procedures before the bank will lend money. I. Definition of Entrepreneurship Loan Entrepreneurship loan is mainly an incentive loan for college students and individuals in the region. The general interest rate is low. Venture loan refers to a small credit loan which is different from the current consumer loan and is used to meet the needs of individual entrepreneurs in urban and rural areas. In terms of loan amount, it belongs to; From the nature of the loan, it is a credit loan and does not need mortgage guarantee; From the perspective of loan targets, it is individual urban and rural residents, not existing enterprises; In terms of loan purposes, it belongs to entrepreneurial loans, which is different from the current consumer loans; As far as the loan name is concerned, it belongs to the nickname of microfinance, which is a China title that conforms to the national conditions; In terms of poverty alleviation effect, it has the highest poverty alleviation efficiency, the largest coverage, the best economic benefits, the highest loan recovery rate and the fastest speed, which can make the national poverty alleviation funds play the greatest role. It can solve the employment problem of urban and rural people, change employment into independent entrepreneurship, and then stimulate people's creative potential. Providing continuous credit services can effectively prevent the phenomenon of returning to poverty after poverty alleviation. Venture loan aims to highlight and encourage the employment form of self-employment, which is different from personal consumption loan under the employment form. The successful experience of Professor Muhammad Yunus from the Department of Economics of Chittagong University provides reference for the implementation of risk loans in China. Ii. loan process → application → preparation materials (with application form: the purpose, amount, contact address, name, fixed telephone and mobile phone of the loan should be indicated) → fax materials → approval → signing a contract → loan issuance → quarterly interest payment → repayment when due. 1. Optimization of repayment method (quarterly interest repayment and principal repayment at maturity). 2. The use of the loan is not limited (it can be used for making, buying a house, buying a car, decorating, traveling, education, etc. ) .3. The loan amount is large, the next payment time is fast and the process is short. 4. You can repay the loan in advance without default. 5. The loan period is long and the procedures are quick and simple. 6. Convenient and fast, reputation first.