First, college students' entrepreneurship loan policy:

Capital is the first difficult problem for college students to start their own businesses. Some college graduates have just worked, and some even have no jobs. Most families do not have enough strength to support their children to start businesses. In fact, it's not just college students' starting a business. For most people who want to start a business, it's a difficult hurdle to cross! Even many people who want to start a business are blocked at the first threshold of venture capital.

The state has issued relevant policies for college students' entrepreneurial loans, and the main preferential policies include:

1. Commercial banks, joint-stock banks, city commercial banks and qualified city credit cooperatives in various countries should provide small loans for college graduates who start their own businesses. In the process of loan, simplify procedures to facilitate account opening and settlement. The loan amount is about 50,000 yuan.

2. The longest loan period is two years. If it is determined that the loan term needs to be extended after maturity, you can apply for an extension.

3. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum guarantee amount is 5 times of the guarantee fund, and the guarantee period is the same as the loan period.

The handling methods of college students' entrepreneurial loans are as follows:

If college graduates want to start their own businesses within two years after graduation, they need to apply for a business license at the industrial and commercial department where the entrepreneurial entity is located. If the registered capital (capital) is less than 500,000 yuan, it can be put in place by stages. The capital in place in the first phase shall not be less than 65,438+00% of the registered capital (the contribution shall not be less than 30,000 yuan). If the paid-in registered capital is increased to more than 50% in 65,438+0 years, the balance can be put in place by stages within 3 years. If the family members of entrepreneurial college students have stable income or effective assets to provide corresponding joint and several guarantees, and have a good reputation and guaranteed repayment, they can appropriately increase the issuance of credit loans on the basis of controllable risks and enjoy preferential low interest rates.

Two. Preferential tax policies:

The second concern for college students to start their own businesses lies in the tax issue. Taxes in China are relatively high and there are many tax items. In addition to the national tax, local tax and income tax that enterprises must pay, there will be some other taxes that need to be paid according to the different industries that enterprises are engaged in.

The state has made the following provisions on taxation in the preferential policies for college students' entrepreneurship:

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 business enterprises or business units engaged in transportation, post and telecommunications, after the application, approved by the tax authorities, the first year shall be exempted from enterprise income tax, and the second year shall be halved.

3. Newly-established enterprises or business units 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.

With the support of many preferential tax-free policies for starting a business, I believe that the majority of self-employed college graduates can save a lot of money for business operation in the early stage of starting a business.

Third, enterprise operation management:

Compared with preferential policies such as loans and taxes, the preferential policies for entrepreneurship in enterprise management have not attracted the attention of most college entrepreneurs, and even some self-employed college graduates simply don't know this preferential policy. Preferential policies in this regard:

1. Staff recruitment and training enjoy free discounts. For enterprises founded by college graduates independently, they can inquire about the supply and demand information of talents and labor and publish job advertisements free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the administrative department of personnel and labor security of the government within 1 year from the date of approval by the local industrial and commercial departments. This helps to obtain the talent resources needed by related industries in the early stage of entrepreneurship. It can help college graduates who start their own businesses to get the required professionals at the lowest cost more easily.

2, to participate in the government personnel, labor and social security administrative departments of talent intermediary service agencies and public employment agencies organized by the talent market or talent, labor exchange activities can be given appropriate relief; The talent intermediary service agencies affiliated to the personnel department of the government provide free training and evaluation services for graduates who start enterprises, and provide preferential treatment for employees who start enterprises.

The above preferential policies for college students' entrepreneurship are formulated by the state for all college students who start their own businesses nationwide. In addition, in order to support local college students' entrepreneurship, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality because they are more targeted. If college students are ready to start a business, they must understand the detailed local preferential policies for starting a business in addition to the national policies to encourage college students to start a business. In addition, college students' self-employment also has corresponding preferential treatment in file preservation and social security, which provides effective guarantee and service to encourage college students to start their own businesses and solve their worries about starting their own businesses.