First, the financing mode of college students' entrepreneurship
1, policy funds, venture capital provided by the government is usually the concern of all entrepreneurs. Its advantage is that you don't have to worry about investors' credit problems when using government funds. In addition, government investment is generally free, which can reduce or eliminate financing costs. However, the application for venture capital has strict declaration requirements, and the government's annual investment is limited, so fund-raisers must face the competition from patient fund-raisers.
2. Family finance. The most common, simplest and most effective way for individuals to raise venture capital is to borrow money from relatives and friends, which is a method of debt financing. The advantage is that you don't have to bear interest on borrowing money from friends and family. In other words, borrowing money from friends and family has no capital cost. So this method will only increase the inflow and outflow of cash when borrowing money or paying back money. This method has the advantages of fast financing, low risk and low cost.
3. Cooperative financing refers to the financing channels and methods that directly absorb the investment of companies or individuals by following the principles of "joint investment, joint operation, risk sharing and profit sharing". Benefits are conducive to the utilization and integration of various resources, improve the reputation of enterprises, form production capacity as soon as possible, and reduce entrepreneurial risks.
Second, preferential policies for college students' entrepreneurship
1, the state should provide small loans to commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives for self-employment. 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 2 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 amount of guarantee is 5 times of the guarantee fund, and the guarantee period is the same as the loan period.
To sum it up. Financing means that investors borrow money from securities companies to buy securities. Securities investors sell securities and repay them with securities. To put it simply, when an investor sees a stock that he just wants to buy but doesn't have enough money, he borrows money from a securities company to buy the stock, and the stock rises to its current price. The behavior of investors selling stocks to repay debts is financing.