For college graduates' entrepreneurial loans, please refer to Harbin. For other areas, please consult the local human resources and social security departments.

(1) College graduates should go to the local industrial and commercial bureau to apply for a business license with their business start-up certificates.

(2) College graduates who apply for loans shall register small loans in the community where the business premises are located with their business licenses, graduation certificates or employment education certificates and guarantee certification materials, and fill out the Application Form for Starting Small Loans.

(3) You can choose one of the guarantee certificates: it is guaranteed by a worker who works in a corresponding state organ or institution with a monthly salary of more than 2,000 yuan, a guarantor who can issue a real estate license, or a guarantor who can issue a bank passbook with a loan amount exceeding the loan amount.

(4) After approval, the community shall submit it to the district human resources and social security department for approval.

(five) in line with the examination and approval conditions, by the district human resources and social security departments to Harbin financing guarantee center for approval.

(6) After the approval of the financial guarantee center, the Lida Sub-branch of Harbin Bank examines and issues loans.

Note: Materials required for application.

(1) Apply in writing, and get the application (review) form for small secured loans in the community under its jurisdiction.

(2) ID card (ID card, household registration book), employment certificate or graduation certificate.

(4) My business license.

(5) Proof of business premises.

(6) The guarantor's ID card, household registration book and salary income certificate or real estate license or bank passbook issued by the unit.