1. Are there any discounts for college students in Chengdu to start their own businesses?
1. Enterprise registration 1. Updated procedures (within two years after graduation, the same below) to apply for self-employment or Those who apply for private enterprises can register with priority through the "green channel" in the registration halls of industrial and commercial departments at all levels. Except for industries and commodities expressly prohibited by the state, its business scope will be liberalized and approved for operation. Special approval procedures must be completed for restricted and special projects. For those who apply to establish private enterprises in special economic zones such as science and technology parks and high-tech development zones, special cases will be handled. Except for projects that require pre-approval, a "commitment registration system" will be trialled. If the applicant submits the registration application form, capital verification report and other main registration materials, a business license can be issued first and the applicant can complete the relevant materials as required within 3 months. Anyone who applies to establish a limited liability company and uses intangible assets such as college graduate property rights and non-patented technologies as investments is allowed to offset 40% of the registered capital. 2. Reduction and exemption of various fees. Except for industries restricted by the state, the industrial and commercial department will waive individual business registration fees (including registration, change registration, license renewal fees), individual business management fees and various certificate fees for one year from the date of approval of its operations. There is a participation fee. For college graduates applying for the Department), the minimum registered capital is 100,000 yuan. If there are real difficulties in funding, they are allowed to be provided in installments; the name of the application can be "high-tech", "new technology", "high-tech" as the industry For activities such as nuclear zone services, the neighborhood committee will be exempted from industrial and commercial registration fees within one year after filing with the local industrial and commercial administrative authority. Reminder: According to the implementation of the provincial industrial and commercial bureau’s individual policies, college graduates must bring their university graduation certificate and other relevant materials in addition to the relevant applications for self-employment. 2. Financial loan support and appropriate credit loans. If college graduates provide effective asset mortgages or high-quality customer guarantees, financial institutions will give priority to credit support. For entrepreneurial loans for college graduates, college graduates can be the borrowers, and the guarantor can provide corresponding joint guarantees from the stable income or effective assets of their family or immediate family members. For those with good credit and guaranteed repayment, credit loans will be appropriately extended on the basis of controllable risks. 2. Simplify loan procedures. Entrepreneurial loans are given a certain degree of risk by loan amount and turnover within a certain period, and the legal loan interest rate can be appropriately lower or slightly higher. 3. In terms of tax payment, all college graduates are exempted from paying tax registration certificates within one year after starting their own business. Industrial employment service enterprises (the state limits the number of unemployed persons (including college graduates who have registered for unemployment, the same below)) exceed the total number of employees of the enterprise 60 With the approval of the competent tax authorities, they can be exempted from paying income tax for 3 years. After the tax exemption period for labor and employment service enterprises expires, if the newly resettled unemployed people account for more than 30 of the total number of original employees of the enterprise, the income tax can be reduced by half with the approval of the competent tax authorities. 2 years. When college graduates establish a limited company, the tax is assessed as audited and collected and the company is recognized as a low-profit enterprise, and the company's income is adjusted from the original 25 to 20 (the latest system). 4. Business operations 1. Employee recruitment and training enjoyment. Free discounts are available for enterprises independently founded by college graduates, within one year from the date of approval by the industrial and commercial department, on the websites of talent agency service agencies affiliated with the government’s personnel and labor and social security administrative departments and public employment agencies. Free inquiry of talent and labor supply and demand information, free recruitment advertisements, etc.; participation in talent fairs or talent and labor exchange activities organized by talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies will be given appropriate exemptions and exemptions Pay the fee; the talent intermediary service agency affiliated to the government personnel department provides one-time training and assessment services free of charge to graduates who start companies, and provides discounts to employees who start companies. 2. Personnel file management is free of charge for college graduates who start their own businesses. , the talent intermediary service agency affiliated to the government's personnel administration department will keep the personnel files (including handling social security, professional titles, file salary and other related procedures) free of charge for two years. 3. There is a separate channel for social insurance participation for college graduates engaged in self-employment. , social insurance participation procedures can be handled at the individual payment windows set up by social insurance agencies at all levels.
In addition, you can go to the High-tech Zone College Student Entrepreneurship Park for consultation. It seems that there are policies such as subsidies.
2. How long does it take for Chengdu college student entrepreneurship guaranteed loans to be disbursed?
It takes about a month to apply for a business loan for college students. Within this one month, you have to go through the process of loan application, loan review, contract signing, loan release, withdrawal, etc. It will take a month to process it all. The time will vary depending on the speed of loan review.
3. What is the process of entrepreneurial loans for college students in Chengdu and what information is required?
Conditions for entrepreneurial loans for college students:
1. College graduates or above;
2. Have not been employed for more than 6 months after graduation, and have registered as unemployed with the local labor and social security department;
3. When applying for this type of loan, there are three important points:
First, loan applicants must have a fixed residence or business place. Secondly, a business license and operating permit, stable income and the ability to repay principal and interest; thirdly and most importantly, the entrepreneur has a certain amount of his own funds for the project he invests in.
Only those who meet the above conditions can apply to the bank. The information required when applying mainly includes: proof of marital status, personal or family income and property status and other repayment ability documents; relevant agreements on the purpose of the loan. , contract; guarantee materials, ownership certificates and lists involving collateral or pledges, and mortgage (pledge) valuation reports issued by the bank's recognized appraisal department. In addition to written materials, there must be collateral. There are many types of mortgages, including movable and real estate mortgages, time deposit certificate pledges, securities pledges, highly liquid movable assets pledges, and qualified guarantor guarantees. The amount of payment is determined based on the specific guarantee method.
College Student Entrepreneurship Loan Application Process
1. Acceptance. The applicant applies to the University Student Entrepreneurship Park Management Service Center and submits relevant application materials, which will be initially reviewed by the University Student Entrepreneurship Park Management Service Center;
2. Review. For commercial loan interest discount objects and amounts that have passed the preliminary review, the Personnel Bureau, together with the Finance Bureau and other relevant departments, will review the information of the commercial loan interest discount objects based on factors such as industry orientation, enterprise size, number of employees, registered capital, profits and taxes, and determine the interest discount. Amount;
3. Public announcement. The commercial loan interest discount objects and interest discount amounts that have been reviewed and approved will be publicized by the Personnel Bureau and the applicant's unit or community. The publicity period is 5 working days;
4. Approval. If there is no objection after publicity, the Personnel Bureau will issue an approval notice;
5. Appropriation. According to the approval notice from relevant departments, the Finance Bureau will allocate funding from the special funds to support college students' independent entrepreneurship after the interest discount recipients provide interest payment certificates.
4. The process of entrepreneurial loans for Chengdu college students and what information is required
Process:
1. Acceptance. Applicants apply to the University Student Entrepreneurship Park Management Service Center and submit relevant application materials, which will be initially reviewed by the University Student Entrepreneurship Park Management Service Center.
2. Review. For commercial loan interest discount objects and amounts that have passed the preliminary review, the Personnel Bureau, together with the Finance Bureau and other relevant departments, will review the information of the commercial loan interest discount objects based on factors such as industry orientation, enterprise size, number of employees, registered capital, profits and taxes, and determine the interest discount. amount.
3. Public announcement. The objects and amounts of commercial loan interest discounts that have been reviewed and approved will be publicized by the Personnel Bureau and the applicant's unit or community. The publicity period is 5 working days.
4. Approval. If there is no objection after publicity, the Personnel Bureau will issue an approval notice.
5. Appropriation. According to the approval notice from relevant departments, the Finance Bureau will allocate funding from the special funds to support college students' independent entrepreneurship after the interest discount recipients provide interest payment certificates.
Required information:
1. Proof of marital status.
2. Documents proving personal or family income and property status and other repayment abilities.
3. Relevant agreements and contracts for loan purposes.
4. Guarantee materials, including ownership certificates and lists of collateral or pledges, and a mortgage (pledge) valuation report issued by an appraisal department recognized by the bank.
Conditions for entrepreneurial loans for college students:
1. College graduates or above.
2. Have not been employed for more than 6 months after graduation, and have registered as unemployed with the local labor and social security department.