The specific amount of loans that can be borrowed varies from region to region
Application for entrepreneurial loans for college students
Application conditions: 1. Current college students, and college students who have graduated within two years ; 2. College degree or above; Entrepreneurship loan for college students
3. Over 18 years old. 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 industrial orientation, enterprise size, number of employees, registered capital, profits and taxes, and determine the interest discount. Amount; 3. Publicity. 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, the Finance Bureau will allocate funding from the special fund to support college students' independent entrepreneurship after the interest discount recipients provide interest payment certificates. 6. College Student Entrepreneurship Loan Application Materials Serial Number Material Name Number of Copies Remarks
1 "College Student Entrepreneurship Subsidy (Commercial Loan Interest Subsidy) Application Form" in triplicate and prepare an electronic document
2 1 copy of "Status Form of Entrepreneurial Enterprise Personnel"
3 1 copy of "Status Form of University Student Enterprises Application for Entrepreneurship Funding"
4 Legal person ID card, household register or household registration certificate, graduation certificate (student Certificate) 1 copy each/
5 1 copy each of the enterprise business license, tax registration certificate, and organization code certificate/
6 6 copies of the capital verification report issued by the accounting firm 1 copy/
7 1 copy of loan contract/
8 1 copy of company articles of association/
9 Technical cooperation agreement, patent certificate, patent 1 copy of the application acceptance notice, etc. If necessary, please submit 10 copies of relevant award certificates, etc. 11. Mentors or venture capital, venture capital institutions and related 1 copy each of corporate recommendation letters
Edit this paragraph of application materials
1. Proof of identity; 2. Current students need to provide student ID and transcripts; Business loan consultation for college students
3. Graduated students need to provide graduation certificates and degree certificates; 4. Commonly used passbooks or bank card reconciliation lists in the past 6 months; 5. Other credit certificates (if any): scholarship certificates, class cadres Certificates, certificates of community activities, various certificates of honor/reward social certificates such as blood donation, voluntary teaching, etc. And: (1) Identity documents (including resident ID cards, household registers or other original valid residence certificates) and marital status certificates of college student entrepreneurship loan applicants and spouses; (2) Personal or family income and property status of college student entrepreneurship loan applicants, etc. Documents proving the repayment ability; (3) Business license of the applicant for the college student entrepreneurship loan and business license of the relevant industry, relevant agreements, contracts or other materials for the purpose of the loan; (4) Guarantee materials for the applicant for the college student entrepreneurship loan: collateral or The ownership certificate and list of the pledged property, the proof that the person with the right to dispose of the property agrees to the mortgage (pledge), and the valuation report of the collateral (pledge) issued by an appraisal department recognized by the bank.
Edit this section’s business features
1. Credits are related to loan amounts 2. Enjoy low-cost loans 3. Diverse repayment terms
Edit this section’s loans Requirements
(1) Applicants for college student entrepreneurship loans must be at least 18 years old, have legal and valid identity certificates and legal residence certificates in the location of the loan bank, and have a fixed residence or business place; (2) College student entrepreneurship loan applications The applicant holds a business license issued by the industrial and commercial administration and a business license for related industries, is engaged in legitimate production and business activities, and has a stable income and the ability to repay principal and interest; (3) The applicant for a college student entrepreneurship loan has an investment project A certain amount of self-owned funds; (4) The purpose of college student entrepreneurship loans complies with relevant national laws and bank credit policies, and is not allowed to be used for equity investment; (5) Open a settlement account in the bank, and the operating income is settled by the bank.
Procedures for editing this paragraph
1. Please consult the banking department for matters related to applying for loans for college students to start a business; 2. The procedures for applying for a business license are as follows: (1) Go to the Municipal Industry and Commerce Bureau and various Get the registration form at the registration hall of the branch county industrial and commercial bureau. (2) Apply to the registration authority for pre-approval of the company name; (3) Fill in the company registration form and submit the capital verification report, company articles of association and site certificate, and submit the company registration application to the registration authority.
Edit this paragraph loan methods
There are three main ways for college students to apply for entrepreneurial loans: apply for loans directly from banks, apply for subsidized loans for technology-based small and medium-sized enterprises, and use new technological achievements or intellectual property rights , patent rights for secured loans. However, because banks are very strict in reviewing personal loan applications, they pay special attention to the repayment ability of loan applicants. College students have just started their own business and have little repayment ability in the eyes of the bank's loan review department, so it is difficult to get what they need. For loans, it is recommended that college students should not use the first method to apply for a loan.
Edit related products of this paragraph
Hengfeng Bank Co., Ltd. - personal small short-term credit loan Standard Chartered Bank - cash loan unsecured personal loan Harbin Bank - personal salary Guaranteed loan Harbin Bank - personal credit loan Citibank - Happy Shidai Bohai Bank - Modern Shidai
Edit preferential policies in this paragraph
Enterprise registration
1. The procedure is more simplified. All college graduates (within two years after graduation, the same below) who apply to engage in self-employment or 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. For restricted and special business projects, they are allowed to apply for and complete special approval procedures at the same time. For those who apply to establish private enterprises in special economic zones such as science and technology parks, high-tech parks, and economic and technological 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 human capital, intellectual achievements, industrial property rights, and non-patented technologies of college graduates as investment 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. Those who join private associations will be exempted from their 1-year membership fee. For college graduates who apply for high-tech enterprises (including limited liability companies), the minimum registered capital is 100,000 yuan. If there are indeed difficulties in funding, they are allowed to be provided in installments; the name of the application can be "high-tech" or "new technology" , "high technology" is approved as an industry. College graduates who engage in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within one year after the neighborhood committee reports to the local industrial and commercial administrative authority for filing.
Reminder: According to the staff of the Individual Affairs Department of the Provincial Administration for Industry and Commerce, relevant policies have been implemented. When college graduates go through the relevant procedures for self-employment, in addition to bringing all the required materials and submitting relevant applications, they must also bring college graduates with them. Employment recommendation form, graduation certificate and other relevant information.
In terms of financial loans
1. Priority loan support and appropriate credit loans. Increase loan support for college graduates to start their own businesses. Financial institutions will give priority to credit support for those who can provide effective asset mortgages (pledges) or high-quality customer guarantees. 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. By simplifying loan procedures, the credit loan amount can be reasonably determined and used within a certain period of time. 3. Interest rate concessions. Provide certain preferential interest rate support for entrepreneurial loans. Depending on the risk of the loan, the statutory loan interest rate may be appropriately lower or slightly higher. In fact, the difficulty in obtaining entrepreneurial loans for college students lies in the inability to provide valid assets as collateral or pledge. Many banks have launched personal business loans for natural persons who have permanent urban residence or valid residence status and are over 18 years old. This type of business loan requires individuals to use certificates of deposit as collateral, or real estate mortgages and secured loans.
In terms of tax payment
Any college graduate who engages in self-employment will be exempted from paying the tax registration certificate fee within one year from the date of approval of the business by the industrial and commercial department. If a newly established urban labor and employment service enterprise (except for industries restricted by the state) places unemployed persons (including college graduates who have registered as unemployed, the same below) in the current year exceeds 60% of the total number of employees of the enterprise, it may be approved by the competent tax authorities. Income tax exemption for 3 years. After the tax exemption period for labor and employment service enterprises expires, if the newly placed unemployed people account for more than 30% of the total number of original employees of the enterprise in that year, they can pay half of the income tax for 2 years with the approval of the competent tax authorities.
In terms of corporate operations
1. Employee recruitment and training enjoy reduced fees. For enterprises independently founded by college graduates, within one year from the date of approval of their operation by the industrial and commercial department, they can search for free talents on the websites of talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies. Labor supply and demand information, free recruitment advertisements, etc.; participating 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 provide appropriate fee reductions and exemptions; the government The talent intermediary service agency affiliated to the human resources department provides free training and evaluation services to graduates who start companies and employees who start companies at a discount. 2. Personnel file management is free of charge for 2 years. For college graduates who start their own business, the talent agency service agency affiliated to the government's personnel administration department will keep their personnel files (including handling relevant procedures such as social security, professional titles, files and wages, etc.) free of charge for two years. 3. There are separate channels for social insurance participation. College graduates who engage in self-employment can go through the social insurance participation procedures at the individual payment windows set up by social insurance agencies at all levels.