[ Edit this paragraph] Application conditions for college students' entrepreneurial loans
1. College students who are studying and who have graduated within two years; 2. College degree or above; 3. Over 18 years old.
[ Edit this paragraph] Application materials for college students' entrepreneurial loans
1. Identity certificate; 2. Students are required to provide student ID cards and transcripts; 3. Graduates are required to provide graduation certificates and degree certificates; 4. Reconciliation list of common bankbooks or bank cards in the past 6 months; 5. Other credit certificates (if any): scholarship certificate, class cadre certificate, community activity certificate, various certificates of honor/social reward, such as blood donation and voluntary teaching.
[ Edit this paragraph] Business characteristics of college students' entrepreneurial loans:
1. Credit is related to loan amount; 2. Enjoy low-cost loans; 3. Diversified repayment periods
[ Edit this paragraph] Products related to college students' entrepreneurial loans:
hengfeng bank Co., Ltd.-Standard Chartered Bank, a small short-term personal credit loan-Harbin Bank, an unsecured personal loan-Harbin Bank, a personal salary guarantee loan-Citibank, a personal credit loan-Happy Time Loan Bohai Bank-Modern Time Loan
[ Edit this paragraph] Preferential policies for college students' entrepreneurial loans
Beijing
From May 26, in addition to those who have the Beijing Re-employment Concession Card, unemployed college graduates with Beijing hukou who want to engage in self-employment or start small businesses independently or in partnership can also apply for small secured loans. Last year, the new policy issued by Chongwen District stipulated that entrepreneurs in Chongwen District can get a loan of up to 5, yuan, and the district finance will give them a discount. At the same time, the number of loan subjects stipulated in the new policy has also increased. In addition to the unemployed, unemployed and entrepreneurial college students, qualified students of Chongwen District Entrepreneurship Training Course, members of entrepreneurs' clubs and private owners who have started businesses in the area can apply for the loan.
Shanghai
In order to stimulate the entrepreneurial passion of graduates, Shanghai has set up an "angel fund" for college students' entrepreneurship. The "angel fund" for college students' entrepreneurship is up to 3, yuan, and college students can get support of 5, to 3, yuan for starting a business.
Chongqing
University graduates who have not been employed for more than half a year and have a fixed household registration can register in the neighborhood committee where their household registration is located and apply for bank mortgage and secured loans of 3, to 4, yuan; In addition, in order to adapt to the changes in the employment situation of college students, in recent two years, Chongqing has successively launched small loans for college students to start their own businesses, and opened up employment resources and employment markets equally to local and foreign students, creating more employment opportunities for college graduates.
Taiyuan
registered unemployed college graduates in Taiyuan who want to start their own businesses can apply for a small secured loan of not more than 5, yuan. The financial departments of counties (cities, districts) may entrust designated guarantee institutions to provide guarantees for them, and the counties (cities, districts) shall be responsible for making up the gaps in the operation of small secured loan funds.
Fujian
College graduates who start their own businesses can enjoy the discount policy of small secured loans and other forms of small loans, with the maximum discount loan amount of 5, yuan, and the financial department will give full discount within 3 percentage points of the benchmark loan interest rate announced by the People's Bank of China for the same period. At the same time, relying on the Communist Youth League Committee, we will set up a guarantee fund for college students' self-employment to provide guarantee services for college graduates who need guarantee in different places.
Qingdao
Qingdao allocated 1 million yuan to set up the "Qingdao University Graduates Entrepreneurship Support Fund" to support college graduates to start their own businesses. College graduates who start their own businesses can apply for small secured loans, with the maximum loan amount not exceeding 5, yuan. For those engaged in low-profit projects, the finance at the same level will give full discount according to the facts; Teams of two or more people can be relaxed to 2, yuan.