1. Bank of China: As a large state-owned commercial bank, Bank of China provides various loan services, including college students' entrepreneurial loans. You can go to the business outlets of China Bank for consultation.
2. Agricultural Bank: Agricultural Bank also provides entrepreneurial loans for college students. For details, you can go to the business outlets of the local Agricultural Bank.
3. China Construction Bank: China Construction Bank provides personal business loans, including college students' business loans. You can go to the business outlets of China Construction Bank for consultation.
4. China Industrial and Commercial Bank: China Industrial and Commercial Bank also provides entrepreneurial loan services for college students. For details, you can go to the business outlets of the local Industrial and Commercial Bank of China.
5. Postal Savings Bank: Postal Savings Bank provides loans for small businesses, including entrepreneurial loans for college students. You can go to the business outlets of the Postal Savings Bank for consultation.
In addition to the above five state-owned banks, there are also some joint-stock banks and local banks that may also provide entrepreneurial loan services for college students, such as China Merchants Bank, Shanghai Pudong Development Bank and Dongying Bank. I suggest that you consult several banks before handling the loan, compare the loan interest rate, repayment period and other conditions, and choose the loan scheme that suits you best.
When handling college students' entrepreneurial loans, the following materials are generally required:
1. Original and photocopy of my ID card, household registration book, diploma and degree certificate;
2 business plan or project feasibility report;
3. Original and photocopy of business license, organization code certificate and tax registration certificate;
4. Other materials required by the lending bank, such as guarantee materials and collateral.
Processing flow:
1. Submit loan application: submit loan application form and related materials at bank outlets.
2. Bank review: The bank will review your application materials and evaluate your credit status and repayment ability.
3. Sign a loan contract: If it is approved, the bank will sign a loan contract with you, specifying the loan amount, interest rate, repayment period and other matters.
4. Lending: After the contract is signed, the bank will transfer the loan funds to your designated account.
5. Repayment on schedule: You need to repay the loan principal and interest on time according to the loan contract.
Note: The specific loan conditions, materials and procedures may vary from bank to bank and from region to region. Please refer to the actual handling situation. Before handling the loan, you must consult the bank staff in detail to ensure the smooth handling.