This is Xi 'an college students' business loan information, I hope it will help you.

First, the problems of college students' entrepreneurship

There are two main problems in national entrepreneurship, especially college students' entrepreneurship: 1, lack of entrepreneurial experience and systematic training and guidance; 2. Lack of venture capital will become the bottleneck of college students' entrepreneurship.

Second, the solution

According to the above situation, the municipal government proposed to provide loans to college students in a certain way, with a guarantee fund of 50 million yuan, which was enlarged several times by banks to solve the problem of insufficient venture loans. The loan amount is higher than that of small secured loans (20,000-80,000 yuan for small loans and 500,000-500,000 yuan for entrepreneurial loans), and the loan target is entrepreneurial legal persons.

Three. Procedures for granting loans

1, the establishment of the coordination office for Xi's support for college students' self-employment loans (hereinafter referred to as entrepreneurial loans), led by the Municipal Entrepreneurship Office, with the participation of the Municipal Finance Office, the Municipal Finance Bureau, the Municipal Science and Technology Bureau, the Municipal Labor and Social Security Bureau, the Municipal Personnel Bureau, the Municipal Commercial Bank and other departments and units. The work coordination office is responsible for guiding and coordinating the work of venture loans; Formulate relevant policies for venture loans; Make annual plans for venture loans; Establish a regular consultation mechanism to guide, evaluate and supervise the work of venture loans; Submit a work report on venture loans to the municipal government; Review and adjust the venture loan fund and other related work.

The nature of this loan is that the municipal government introduced the credit system into the self-employment service system in order to promote the entrepreneurship of the whole people, and jointly developed it with the municipal commercial bank, which was guaranteed by Xi 'an Economic and Technical Guarantee Co., Ltd. and distributed independently by the municipal commercial bank.

2, the loan application object and conditions

A the loan object is a small legal person enterprise established after June 5438+1 October12008, which is engaged in research and development, production and service of high-tech products or modern service industry and modern agricultural development in Xi 'an.

B. the loan object has a business plan.

C the legal representatives of the loan enterprises are university graduates (including graduate students) and returnees who have registered in Xi in recent years and obtained graduation certificates.

D the legal representative of the loan enterprise has an entrepreneurship training certificate approved by the municipal entrepreneurship office.

E the legal representative or actual controller of the loan enterprise has no violation of laws and regulations and no bad credit record.

3 loan purpose, term, interest rate, repayment method and amount.

A. the purpose of the loan. Venture loans are mainly used to purchase productive fixed assets, working capital and other normal operating capital needs of enterprises.

B. Term of the loan. The term of venture loans is generally not more than two years. The borrower applies before the loan expires, and can apply for extension with the approval of the municipal commercial bank.

C. loan interest rate. The interest rate of venture loans shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China.

D. repay interest. In principle, the venture loan is repaid in one lump sum, and the interest is settled quarterly or monthly.

E. payment amount. The amount of venture loan is determined according to the actual capital demand of the venture project, and in principle it does not exceed 500,000 yuan.

4. Loan application procedures

A. After obtaining the entrepreneurship training certificate recognized by the municipal entrepreneurship, the loan applicant applies to the Municipal Science and Technology Bureau for technical and feasibility evaluation of the project according to the Business Plan of Xi College Students' Self-employment Loan.

B. With the approval of the Municipal Science and Technology Bureau, the loan applicant applies to Xi 'an Economic and Technological Investment Guarantee Co., Ltd. and goes through the guarantee procedures.

C. The loan applicant holds the loan guarantee opinion of Xi 'an Economic and Technological Investment Guarantee Co., Ltd. to apply for a loan at the branch of the city commercial bank.

D, city commercial banks in accordance with the loan procedures for independent review and decide whether to issue loans.

Where negative opinions are put forward in all aspects of the audit, written opinions shall be issued to the Municipal Entrepreneurship Office and the applicant himself.

Fourth, entrepreneurship training.

1. College students' self-employment training is an important part of Xi's self-employment loan support work and a prerequisite for college students to apply for self-employment loans. Its task is to cultivate college students to master the necessary entrepreneurial knowledge and skills, continuously improve their entrepreneurial and sustainable development capabilities, and realize the multiplier effect of entrepreneurship driving employment.

2. Coach goals

A, Xi household registration, college students (including graduate students) and returnees who have obtained college graduation certificates in recent years.

B having a business plan and business projects, which are engaged in research and development, production and service of high-tech products or in modern service industry and modern agricultural development.

C. The enterprise has been established, 1, and the registered tax payment relationship was established in Xi 'an after 2008. If the legal representative has Xi household registration, he can apply for entrepreneurship training for the corporate sponsor team.

3. Training content

The contents of entrepreneurship training include the basic theoretical knowledge of entrepreneurship, entrepreneurship case analysis, Xi entrepreneurship policy analysis and appropriate cases, with 200 class hours for about 30 days.

4. The funds for college students' self-employment training are subsidized by the municipal finance, and the standard is 2000 yuan per person per period, each class hour 10 yuan. The Municipal Entrepreneurship Office, the Municipal Labor and Social Security Bureau and the Municipal Personnel Bureau are responsible for assessing the designated institutions for entrepreneurship training, implementing dynamic management assessment, and gradually establishing an entrepreneurship training quality evaluation system oriented by student satisfaction, training qualification rate and opening success rate.

5. At present, the Municipal Entrepreneurship Office entrusts Shaanxi Education College to conduct entrepreneurship training, and the training course is equivalent to the quasi-MBA course. The lecture is given by senior teachers in the industry, with a large number of practical training interactions and relevant case analysis, so as to make learning as useful as possible, and pass a certain examination and issue a certificate of conformity. Training registration is always carried out during normal working hours.

Verb (abbreviation of verb) is audited by science and technology bureau.

1. Information required by the loan applicant.

A.Xi Business Plan for College Students' Self-employment Loan.

B a copy of the personal identity card of the legal representative (applicant).

C, the legal representative (applicant) household registration certificate and a copy.

D, the legal representative (applicant) copy of education.

E a copy of the entrepreneurship training certificate of the legal representative (applicant).

Copy of the business license of the legal representative (applicant).

2. The Municipal Science and Technology Bureau organizes the evaluation of college students' self-employment loan projects, and establishes an evaluation committee to be responsible for the evaluation of entrepreneurial projects. The evaluation committee is composed of relevant personnel arranged by the Municipal Science and Technology Bureau. Experts involved in technology, economy, finance, investment and entrepreneurship management.

3. In the review stage, the review committee will group the entrepreneurial projects by field and organize experts to review them. The evaluation of the project will ensure the participation of experts from all walks of life. Evaluation experts will score according to the nature of the project, put forward evaluation opinions, and finally summarize and submit them to the Municipal Entrepreneurship Office for the record.

Intransitive verb guarantee program

The acquisition of college students' self-employment loans must go through the guarantee link. Because there is no counter-guarantee procedure for Xi's college students' self-employment loans, the city issued Document No.9. In 2008 12 1, it was agreed that Xi 'an Economic and Technological Investment Guarantee Co., Ltd. would provide the guarantee.

1, and the object of protection must comply with the provisions of the document issued by the city in 2008 12 1.

2. The amount of guarantee shall not exceed 500,000 yuan.

3. The guarantee period shall not exceed two years.

4. The legal representative of the borrowing enterprise cannot have a bad credit record.

5. The borrowing enterprise shall provide the following materials in addition to the Business Plan of Xi College Students' Self-employment Loan:

A. Business License of Enterprise as a Legal Person (here) Letter of guarantee from the legal representative of the enterprise.

Capital verification report, articles of association and amendments.

C. tax registration certificate (national tax and local tax).

D, loan card and loan card information

E. Entrepreneurship training certificate approved by the Municipal Entrepreneurship Office.

F, municipal science and technology bureau project review comments

G, the legal representative of the enterprise, general manager, financial officer's job certificate, identity card, education certificate, etc.

H recent accounting statements of the enterprise, including balance sheet, profit and loss statement, cash flow statement and detailed statement, etc.

(a) other documents that can prove the enterprise or project.

J. Guarantee application

Copies of the above A, B, C and D shall be provided and checked with the original; E, F, G, H and I all need to provide the original.

6. There are two main methods of investigation, namely, inquiry, conversation and field investigation. The process is as follows: In the preliminary examination and evaluation of materials, the guarantee will be studied, mainly to evaluate the borrower's financial situation and cash flow to determine whether to give a guarantee.

7. Sign a guarantee contract. After the guarantee company agrees to provide guarantee, the borrower applies for a loan from the city commercial bank with the resolution of the office meeting or the letter of intent for guarantee issued by the guarantee company. After the commercial bank agrees to issue loans, the guarantee company signs a guarantee contract with the borrower.

Seven. Acceptance procedures and operating procedures of commercial banks

1. To apply for college students' self-employment loans, in addition to the above-mentioned loan objects and application prerequisites, the following materials are required:

A copy of the valid business license issued by the registration authority, and the license issued by the competent approval authority for industries with special provisions.

B. Copy of enterprise code certificate and valid tax registration certificate.

C a copy of the company's shareholding structure, main services and articles of association (individual partnership contract or agreement).

D copy of enterprise account opening license and loan card, and copy of legal representative's ID card.

E, enterprise basic enterprise introduction

F, financial statements since its establishment, if the operating time has crossed the year, it is necessary to audit the financial statements of the previous year; If there is no cross-year, it is necessary to audit the financial statements of the latest period; If the enterprise has just been established and has no business, it can be omitted.

2. The accepting unit is Xi Commercial Bank High-tech Zone Sub-branch.

3. According to the opinions of the Science and Technology Bureau and the guarantee opinions of the guarantee company, the commercial bank reviews the borrower's subject qualification, asset status, risk degree and debt ability in accordance with the relevant provisions of the Bank's Loan Operation Regulations, and accepts those that meet the requirements. The handling bank and relevant functional departments of the Head Office will verify the borrower's credit rating and credit line and make loan adjustment.

Study, review and approve, and decide whether to issue loans. If there is an agreement, the handling bank and the borrower shall sign a loan contract respectively, guarantee the contract and notarize it according to law. After the legal review by the municipal commercial bank, the loan issuance procedures shall be handled. If the loan is not approved, the handling bank will notify the borrower and return the approval materials, or conduct reconsideration after the borrower applies and the handling bank implements the situation.

4 city commercial banks manage loans in accordance with the requirements of the bank's "loan management measures". If the borrower fails to repay the loan on time due to repayment obligations, it shall bear relevant legal responsibilities.