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How to apply for a loan for college students to start a business
First, how to apply for loans for college students to start a business

Graduates who apply for the College Students' Self-employment Certificate need to bring the following materials to the Graduation Office of Shenyang Personnel Bureau: 1. Approval form for self-employment of college graduates; 2. Original and photocopy of graduation certificate; 3. The original and photocopy of my ID card; 4. Registration card; 5. Two one-inch photos; 6. My file needs to be submitted to the graduation office of the local personnel bureau. The municipal personnel department shall, jointly with the education department and the Communist Youth League Committee, conduct a preliminary examination of the basic conditions for the applicant to apply for loan guarantee, and issue a certificate of self-employment. Submit the relevant application materials that have passed the preliminary examination to the guarantee institution at the same level, and the guarantee institution will review the guarantee application. After the guarantee institution promises to guarantee, the education department will submit the relevant information of the applicant to the commercial bank with loan guarantee cooperation relationship for loan review. After the commercial bank approves the loan, it signs a guarantee contract with the guarantee institution, signs a loan agreement with the loan applicant, issues the loan in time, and indicates on the applicant's self-employment certificate that the secured loan has been handled. In order to support college students' entrepreneurship, the state and governments at all levels have issued many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. In recent years, in order to support college students' entrepreneurship, the state and governments at all levels have issued many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. For college students who plan to start a business, only by understanding these policies can they take the first step in starting a business. (1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 65,438+00% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 65,438+0 years, and the balance can be put in place by stages within 3 years. (2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities. (3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 20,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. 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 term is the same as the loan term. (four) the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep personnel files (including social security, professional titles, file wages and other related procedures) for 2 years for self-employed graduates; Provide free information on the supply and demand of talents and labor force, and publish free recruitment advertisements and other services; To participate in talent fairs or talent service exchange activities, appropriate fee reduction; Provide training and evaluation services for entrepreneurial employees. The above preferential policies are formulated by the state for all self-employed college students. 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. Knowing these preferential policies will make college students feel the support of the state and government and strengthen their determination to start a business. College students are enthusiastic about starting a business, but the success rate of starting a business is obviously low due to lack of experience, ability and consciousness deviation. In this regard, Xu Benliang, an expert in college students' entrepreneurship guidance and president of Shanghai Entrepreneurship Education and Training Center, believes that college students must have the following hardware to start a business: hardware 1: the reserve of entrepreneurial knowledge; It is easy for college students to fall into the misunderstanding of being too arrogant and too theoretical. Because of staying on campus for a long time, I lack understanding of society, especially in market development and enterprise operation.

Second, the whole process of college students' entrepreneurial loans, who knows, please give me some advice.

To apply for a business loan, you need to prepare the following materials: the original and photocopy of the registration certificate, the original and photocopy of the graduation certificate, the original and photocopy of the ID card, and two recent one-inch color photos to apply for a self-employment certificate at the graduation office of the Municipal Personnel Bureau. Then, with the proof of self-employment, apply for a small secured loan directly in the graduate service hall of the Municipal Personnel Bureau, and engage in 25 low-profit projects with financial interest subsidies, such as cottage industry. The specific process is as follows: Step 1: Apply. Graduates apply to the Municipal Personnel Bureau with various materials. The second step: preliminary examination. The Municipal Personnel Bureau is responsible for the pre-loan review, and will review whether the graduates meet the loan conditions and whether the loan application project belongs to the low-profit financial discount project and issue a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated. Step 3: Review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit. Step 4: Guarantee. The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided. Step 5: Recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant. Step 6: Loan.

Third, how to get college students' self-employment loans?

First, ask the government about the venture loan. It is a policy launched by the national government for college students' entrepreneurship, not banks or other departments. Since it is a national policy for college students' entrepreneurship, it is definitely different from direct bank loans. Venture capital is a pledge. However, if the number of years is fixed, the policies of each government are different. So all you have to do is bring the local government that can prove that you are the location of your mouth. But in the final analysis, this loan is not given by the government casually. It depends on what your business is. If it can bring taxes to the local government, it can increase local jobs. There are several important points. You just have to work hard or have some connections. When your local government gives you a certificate, your bank has gone to borrow money. Wish you success! ! ! Pay attention to the application report ! ! These aspects! ! Market prospect of 1 3. Radiation impact of the project on surrounding areas. Government taxes, etc. 5. Environmental protection, please pay attention to these points! I hope I can help my friends! ! The following materials can be found online: enterprise registration 1, and the procedures are more simplified. During the year, the same below) those who apply to engage in self-employment or bid for private enterprises can give priority to registration through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying. 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 affairs shall be handled in addition to the registration system that must be promised. "To submit the application for registration, capital verification report and other major registration materials, the applicant may first issue a business license, so that it can complete the relevant materials as required within 3 months. If the human capital and intellectual achievements of college graduates are used as investment applications to set up a limited liability company, 40% of the registered capital is allowed to be deducted. 2. Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments will be exempted from the fees for registration, change of registration and replacement of individual industrial and commercial households, management fees for individual industrial and commercial households and various license fees within the approved period. Membership fee 1 year. For college graduates to apply for high-tech enterprises (including limited liability companies with 654.38+10,000 yuan), if the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". College graduates engaged in community service and other activities are exempted from industrial and commercial registration after being declared by the neighborhood Committee and introduced by the staff of the individual department of the industrial and commercial department. At present, the relevant policies have been implemented, and college graduates should carry 1, preferential loan support and appropriate credit loans in addition to the required materials when going through the relevant procedures for starting their own businesses. Increase the support of college graduates' self-employment loans. For those who can provide effective asset mortgage (pledge) or quality customer guarantee, college graduates can take loans as the main body, and the guarantor can provide corresponding joint guarantee for the stable income or effective assets of their families or immediate family members. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks. 2. Simplify the loan procedures. By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time. 3. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate.

Fourth, how to borrow the qualification certificate for college students' entrepreneurship?

1, unemployed for more than 6 months after graduation, registered in the local labor and social security department.

2. College degree or above

Application process:

1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days.