In 2008, the General Office of the State Council forwarded the Guiding Opinions on Promoting Employment through Entrepreneurship to Ministry of Human Resources and Social Security and the Ministry of Education 1 1 ministries. In 20 10, Ministry of Human Resources and Social Security, the Ministry of Education and the Ministry of Finance jointly launched the "Employment Promotion Action for College Graduates" and implemented the "Entrepreneurship Leading Plan". On this basis, the relevant departments have successively issued a series of policies to promote college graduates' entrepreneurship, mainly including:
The first is to relax market access conditions. Enterprises founded by college graduates are allowed to reasonably relax the conditions for capital and personnel access according to the characteristics of the industry, and the registered capital is in place by stages. According to the conditions, procedures and contracts stipulated by laws and regulations, college graduates can take the form of family residence, rental housing and temporary commercial housing. As the place of registration and business.
The second is to introduce a fee reduction and exemption policy. College graduates who are engaged in self-employment within 2 years after graduation may be exempted from relevant administrative fees such as management, registration and license within 3 years from the date of first registration by the industrial and commercial departments.
The third is to provide small secured loan support. This year, the leaders of the Ministry of Education personally went to Ministry of Human Resources and Social Security, the Ministry of Finance and other departments to coordinate policies, breaking through the policy restriction that college graduates must register for unemployment before they can apply for small secured loans. In the past, college graduates had to register as unemployed before they could apply for small secured loans. This year, six departments, including Ministry of Human Resources and Social Security and the Ministry of Education, issued documents to clarify that college graduates can apply for small secured loans as long as they register with human resources and social security institutions. Engaged in low-profit projects, can enjoy discount support according to regulations; For partnership and organized employment, the loan scale can be appropriately expanded.
The fourth is to do a good job in labor security services. Provide free labor security and personnel agency services for college graduates who apply for flexible employment and entrepreneurship, do a good job in the connection of social insurance relations, and implement the corresponding social insurance subsidy policy.
The fifth is entrepreneurship training. Job registration shall be conducted for college graduates with entrepreneurial aspirations and certain entrepreneurial conditions, and entrepreneurship training shall be provided for them for no less than 10 days.
The above preferential policies are formulated by the state for all self-employed college students, and there may be some differences in implementation. 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.
First, what is a college student entrepreneurship loan?
1. Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized as an effective guarantee by the bank.
2. Eligible borrowers can get a single loan of up to 500,000 yuan according to their personal resources and repayment ability.
3. If you have a certain business scale or become a re-employment star, you can also apply for a higher loan.
4. The term of the venture loan is generally 1 year, and the longest is no more than 3 years;
Second, preferential policies for college students' entrepreneurial loans
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 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, and the balance can be put in place by stages within 3 years.
2. Newly-established enterprises or business units of 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 and levied enterprise income tax by half in the second year with the approval of the tax authorities; 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 should provide small loans for graduates who start their own businesses, simplify procedures and facilitate account opening and settlement. The loan amount is about 50,000 yuan.
4. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension.
5. The loan interest is determined according to the loan interest rate published by the People's Bank of China, and the maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.
6. 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.
7. According to the relevant regulations of the Shanghai Municipal Government, fresh college graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax reduction and exemption.
Three, the conditions of college students' entrepreneurial loans
1. The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid and valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;
2. Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
3. The investment projects of college students' entrepreneurial loan applicants have certain self-owned funds;
4. The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and shall not be used for equity investment;
5. Open a settlement account in the bank, and the operating income will be settled by the bank.
4. What is the interest rate of college students' entrepreneurial loans and the interest of college students' entrepreneurial loans?
1. In order to support college students' entrepreneurship, the interest rate of entrepreneurial loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China.
2. Laid-off workers and college students' entrepreneurial loans launched in many areas can also enjoy 60% government discount.
3. Entrepreneurship loans for college students in Beijing, Tianjin, Guangzhou and Shanghai.
Five, college students' entrepreneurial loan bank, the bank's requirements for loan applicants
1. has reached the age of 18, has legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and has a fixed residence or business premises;
2. Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
3. The borrower has certain self-owned funds for investment projects;
4. The purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for equity investment;
5. Open a settlement account in the bank, and the operating income will be settled by the bank.
Six, college students' entrepreneurial loan application, college students' entrepreneurial loan 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;
4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;
5. payment. According to the reply notice, after the discount object provides the interest payment certificate, the Finance Bureau will allocate funds from the special fund to support college students' self-employment.
6. Application materials for college students' entrepreneurial loans
No. Material Name Number of Copies Remarks
1 The application form for college students' entrepreneurship assistance (commercial loan discount) is in triplicate, and an electronic document is prepared.
2. 1 copy of "Information Form for College Students Entrepreneurial Enterprise Personnel"
3. 1 copy of "Application for Venture Capital of College Students"
4 1 Copy of corporate ID card, household registration book or household registration certificate, graduation certificate (student ID card)/
5 1 Copy of business license, tax registration certificate and organization code certificate/
6 Copy of capital verification report issued by accounting firm 1 copy/
7 loan contracts 1 copy/
8 Copy of Articles of Association 1 copy/
9 65,438+0 copies of technical cooperation agreements, patent certificates and patent application acceptance notices. Submit them if necessary.
10 copies of relevant award certificates, etc. 1 each copy.
1 1 letters of recommendation from tutors or venture capitalists, venture capital institutions and related enterprises, each 1.