Where college graduates apply for self-employment or bid for private enterprises within two years after graduation, they can register in advance through various channels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special commercial projects, continue. To apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, special matters shall be handled in addition to the needs in the early stage of production. "Applicants who submit an application for registration and inspection of materials may first issue a business license, so that they can make up 40% of the registered capital with intangible assets such as human resources and non-patented technology of relevant materials school graduates within 3 months.

Application conditions:

1, fresh graduate, graduated within two years;

2. College degree or above;

College students' entrepreneurial loan

3. 18 years old or older.

Application process:

1. accepted. The applicant applies to the university and submits the relevant application materials, which will be examined by the management service center of the university student pioneer park;

2. review. After the preliminary examination, the Commercial Loan Discount Bureau shall, jointly with the Finance Bureau and other relevant departments, submit for approval according to factors such as industry orientation, enterprise scale, number of employees, registered capital, profits and taxes, and verify the discount amount;

Industrial loan discount object and discount amount shall be publicized by the Personnel Bureau and the applicant's unit or community for a period of 5 working days;

Notice of examination and approval issued by the personnel bureau.

5. payment. According to the notice of examination and approval of the relevant departments, the Finance Bureau will allocate subsidy funds from the funds after the discount object provides the interest payment certificate.

6. Application materials for college students' entrepreneurial loans

College students' entrepreneurial form

Table of college students' entrepreneurial enterprise personnel

Application Form for College Students' Venture Capital

Legal person ID card, household registration book or household registration certificate, graduation certificate (student ID card)

Enterprise business license, tax registration certificate and organization code certificate

Capital verification report issued by accounting firm

articles of incorporation

Technical cooperation agreement, knowledge book, etc.

Relevant award certificates, etc.

Guide enterprises to recommend, etc.

Due to different loan-related policies, the application conditions will be different, and the preparations for this loan project will be different.

Application materials:

1, identification;

2. Students at school need to provide student ID cards and school transcripts;

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

4. Passbooks or bank cards are commonly used.

5. Other credit certificates (such as certificates of class cadres, certificates of community activities, certificates of honor, certificates of compulsory teaching, etc.). ).

And:

(1) Proof of repayment ability of college students' personal or family income and property status;

(2) College students (including the original ID card, household registration book or other valid residence permit) and proof of marital status;

(3) The applicant for college students' entrepreneurial loan has the right to dispose of the appraisal report of the mortgaged property issued by the appraisal department recognized by the person with the certificate and list.

(4) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans;

Application procedure:

1. Please consult the Banking Department for matters related to college students' business application for loans;

2. The procedures for obtaining a business license are as follows:

(1) Get the registration form from the registration hall of the Municipal Administration for Industry and Commerce and the industrial and commercial bureaus of counties and districts.

(2) Apply to the registration authority for pre-approval and registration of the company name;

(3) Fill in the company registration form and submit the capital verification report, articles of association and site certificate, and submit an application for company registration to the registration authority.

2. How many interest-free loans can ICBC bank cards handle at one time?

Industrial and commercial bank cards can only be used according to regulations, and interest-free loans are not allowed!

Three. The maximum loan of ICBC can reach 30 million yuan.

With diversified loan business structure and strong market competitiveness, ICBC is in a leading position in the world bank and is the best choice for many people to borrow money. So how much can ICBC borrow? The amount provided by ICBC is different for different products.

Easy Loan Easy Loan is a credit consumption credit service provided by certain rules to customers who hold debit cards (or passbooks) and credit cards of China Industrial and Commercial Bank of China when they swipe their cards or shop online at special merchants of China Industrial and Commercial Bank of China. A single consumption of 100 yuan can be handled, and the maximum loan amount for a single household can reach 200,000 yuan. Repay in equal amount every month, no need to make an appointment, and pay as much as you borrow. Personal Credit Loan Personal credit loan is a RMB credit loan issued by China Industrial and Commercial Bank to customers with good credit standing without providing guarantee. The initial loan amount is 6,543,800 yuan, and the longest loan period can reach 3 years. Self-service loans can be issued through merchant POS and online banking, and the amount can be recovered and returned with the loan. Online loan refers to a personal revolving loan that customers apply for, withdraw and repay loans from ICBC through internet channels such as counter or online banking and mobile banking, mainly for small and medium-sized enterprises. The maximum loan amount is 30 million yuan, and the longest loan period is 1 year. The procedure is simple and quick, and the fund demand can be met anytime and anywhere. The loan amount of second-hand personal housing loan can reach up to 70% of the market value of the purchased house. The longest loan period is 30 years, which cannot exceed the remaining land use right of the mortgaged property, and the sum of the borrower's age and the loan period does not exceed 70 years. Those who have lived for more than 20 years can also apply for second-hand personal housing loans at ICBC, regardless of their age.