How to apply for college students' entrepreneurial loans?
How to apply for college students' entrepreneurial loans? With the strong support of national policies for entrepreneurship, more and more college students choose to start their own businesses after graduation instead of applying for jobs in companies. The state's policy support provided part of the venture capital. Here's how to apply for college students' entrepreneurial loans.
How to apply for college students' entrepreneurial loans 1
First, the application conditions for college students' venture capital loans:
1, bachelor degree or above.
2. College students or college students within two years of graduation.
3. The age must be above 18 years old.
4. The loan applicant must have a fixed residence or business premises.
5. The projects invested by entrepreneurs already have their own funds.
6. Business license and business license, stable income and ability to repay interest.
7. Requirements for loan term and amount
The term is 1~2 years, and financial subsidies will not be enjoyed after two years.
Requirements for the amount of venture loan: generally, it shall not exceed 70% of the total working capital required by the borrower for normal production and business activities, small equipment (equipment) purchase (installation or maintenance) and franchise chain operation. The term is generally not more than 2 years and the longest is not more than 3 years, of which the longest term of working capital loans for production and operation is 1 year. The term loan interest rate of individual entrepreneurship loans announced by the People's Bank of China can fluctuate within the prescribed range.
Second, the application process of college students' entrepreneurial loans:
1, receptionist. The applicant shall submit the application form and relevant application materials to the Management Service Center of College Students' Entrepreneurship Institute, and the Management Service Center of College Students' Entrepreneurship Institute shall conduct preliminary examination.
2. review. Personnel Bureau, Ministry of Finance and other relevant departments shall, according to factors such as industry orientation, enterprise scale, employees, registered capital, profits and taxes, review the information of commercial loan applicants and approve the discount amount.
3. publicity. The approved commercial loan discount object and discount amount shall be publicized by the applicant's unit or community for a period of 5 working days.
4. recognition. After the publicity, if there is no objection, the Human Resources Bureau will send a notice of approval.
5. attach. According to the approval notice of the relevant departments, the economic circles provide proof of payment to the discount object, and then pay the support money from the special fund for college students' self-employment.
There are risks in the market. In the process of starting a business, college students must keep their eyes open, inspect the market more, get more market information, and choose projects worthy of research and investment to minimize the risk of starting a business.
How to apply for college students' entrepreneurial loans II
College students' entrepreneurship loan is a policy launched by the national government for college students' entrepreneurship, which is open to college students and college students within two years of graduation. In addition to loans, the support given by this policy also includes financing, taxation and entrepreneurship guidance.
Considering the specific situation of college students, venture capital funds have no interest or mortgage, but they have a fixed number of years, usually 1 to 2 years. However, local governments attach different importance and trust to college students' entrepreneurship, which leads to different support.
Some local governments pay special attention to it, and the loan amount and term are larger and wider. For example, there was a policy in Chongwen District of Beijing in 2008. The maximum loan for college students to start a business was 500,000 yuan, and the interest was subsidized by the district government. The "Angel Entrepreneurship" launched in Shanghai a few years ago also set the maximum amount at 500,000 yuan.
So, if you want to know the amount and duration of your loan, just bring your identification documents, school experience certificate and business plan and ask the local government where your account is located.
Of course, this loan is not given casually by the government, it depends on what your entrepreneurial project is. If it can bring tax revenue to the local government and increase employment, and it is a sunrise industry, then the government will naturally attach importance to you.
What are the advantages of this policy?
There is a "green channel" in the registration hall of the industrial and commercial department, which provides priority registration for college students. As long as you don't sell white # and yellow #, let you operate. Even restricted and special business projects are allowed to go through special examination and approval procedures at the same time.
In addition to the projects that must be pre-approved, the "commitment registration system" will be tried out. What does this mean? In other words, you can get a business license first, and as for the other seven seven eight eight, you can make up slowly later.
Moreover, if someone contributes intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology, it can also offset 40% of the registered capital.
Various expenses are also reduced accordingly. Except for industries restricted by the state, the industrial and commercial departments shall exempt individual industrial and commercial households from registration fees, management fees and various license fees for one year.
How to apply for college students' entrepreneurial loan 3
1. Prepare materials and select investment projects. To apply for interest-free loans for college students, you need relevant certificates from colleges and universities, including ID cards, student ID cards, transcripts, graduation certificates, degree certificates and other proof of studying at school. If you have the scholarship certificate, the certificate of class cadres and clubs, and the award certificate, you can also prepare them together, which can improve the application approval rate.
In addition, since you must have an investment plan when starting a business, although you can invest in industries not prohibited by the state, the ultimate goal of the loan is to make a profit. Therefore, it is necessary to carefully select investment projects, improve investment plans, and make auditors feel that your investment is promising and valuable.
2. Ask about local policies. College students' entrepreneurial loans are generally applied at their place of residence (if the project is good, they can also apply at their place of residence). Due to the different economic levels in different parts of the country, the support for college students' entrepreneurship is also different. So, take your certificate and investment plan to the local government to ask for support policies. That is, at which bank did you apply for a loan? How much can I borrow? Specific procedures for applying for interest-free loans.
3. Bank application. After understanding the procedures, file an inquiry with the bank that specifically undertakes the venture loan. After filling out the relevant forms, ask the bank staff for detailed procedures and information. In this way, when each unit handles business, it is necessary to know fairly well.
4. Apply for a business license. The industrial and commercial department has set up a "green channel" for college students to start businesses, giving priority to registration. As long as it is not an illegal project, the industrial and commercial departments will give fee relief and relax the capital injection policy. Go through the pre-approval of the enterprise name in the industrial and commercial department and fill in the application form, and you will soon get a formal business license.
Of course, before going through the industrial and commercial registration, you must meet the necessary conditions such as places.
5. Audit by Human Resources and Social Security Bureau. Bring the completed materials and register with the Labor and Employment Department of the Human Resources and Social Security Bureau. After reviewing the materials submitted by you, the Employment Association will give you a recommendation form and an evaluation report. Then hand it over to the guarantee center, which will review it again. If there is no problem, the Labor and Employment Security Center will issue a letter of guarantee.
6. Bank approval. With the above materials, submit the materials of the Human Resources and Social Security Bureau, the guarantee provided by the guarantee center and the business license of the industrial and commercial department to the bank again. At the same time, print the six-month bill in the bank account and submit it to the bank for review. Under normal circumstances, you can receive the loan within 7 working days.
How do college students handle venture loans?
There are several ways for college students to apply for business loans:
1. The applicant must be at least 18 years old and have full capacity for civil conduct.
2. Students with college education or above, fresh graduates or graduates within two years (those who have graduated for more than two years can no longer apply for business loans as college students).
3. Have certain self-owned funds and the ability to repay on time.
4. Entrepreneurial projects are in line with national policies and have certain development potential and prospects.
5. Personal credit is good, and there are no bad records or serious negative information in the credit report (mainly reviewing the credit information in the last two years).
6. Having a fixed domicile or business premises, and holding a business license issued by the administrative department for industry and commerce and a business license of related industries. Students who meet the above conditions can apply to the Management Service Center of College Students Pioneer Park. After the preliminary examination of the management service center of college students' pioneer park, the relevant departments such as the Personnel Bureau and the Finance Bureau will examine and approve the discount amount; It will be announced later. After publicity, if there is no objection, the Personnel Bureau will issue a notice of approval and the Finance Bureau will allocate funds.
How to borrow college students' entrepreneurial loans?
College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (undergraduates, postgraduates, doctoral students, etc.). ) issued by banks and other fund issuers. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.
(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 10% 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 1 year, with the balance.
(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 keep personnel files (including social security, professional titles, file wages and other related procedures) for 2 years free of charge 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.
(5) 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.
The materials and procedures required for college students to apply for business start-up loans are as follows: College students need to bring the original and photocopy of registration certificate, the original and photocopy of graduation certificate, the original and photocopy of ID card and two recent one-inch color photos to the graduation office of the Municipal Personnel Bureau to apply for the Self-employment Certificate. Then, with the "Self-employment Certificate", 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 discount, such as cottage industry.
Specific procedures:
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: borrow money.
How to borrow a student loan?
1. Apply for a student loan through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period; 2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities; 3. Through the loan platforms or institutions on the market, you need to be wary of routine loans, and you must find a formal and reliable platform. There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. What materials do I need to provide to apply for a national student loan? Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. The relevant departments of the examination and approval school are responsible for the qualification examination of the national student loan applications submitted by students, and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. Repayment method before graduation, students pay off in one lump sum or several times; After graduation, students can look at their liquidity to repay their loans; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; The unit where the graduates work depends on their work performance and decides to reduce the loan repayment; For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.
How much can college students borrow for starting a business?
Bank of China provides commercial loans for college graduates. The limit of entrepreneurial loans for college graduates is: for eligible individuals, the maximum loan amount is adjusted to 654.38+10,000 yuan. For partnership enterprises, the loan scale can be appropriately expanded according to the number of people and business projects. For a partnership with more than three persons (inclusive), the loan scale shall be reasonably determined according to 50,000 yuan per capita, and the total amount shall not exceed 200,000 yuan. If there is loan demand, it is recommended to contact local outlets for detailed consultation.
The above contents are for your reference. Please refer to the actual business regulations.
College students' entrepreneurial loans can reach up to 50 thousand. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The municipal finance gives the local finance 60% discount interest funds, and it is good to go to the bank to borrow college students' entrepreneurial loans with ID cards and household registration books.
This is the end of the introduction of college students' entrepreneurial student loans and interest-free loans. I wonder if you have found the information you need?