I want to open a resort in my hometown using the architectural history of my hometown. There is an artificial pond in our hometown, a world-famous artificial pond.

Are you a college student? College students can apply for college student entrepreneurial loans as follows:

Application conditions:

1. Freshly graduated college students, and college students who have graduated within two years ;

2. College degree or above;

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. 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.

6. College Student Entrepreneurship Loan Application Materials

Serial No. Material Name Number of Copies Remarks 1 "College Student Entrepreneurship Subsidy (Commercial Loan Interest Subsidy) Application Form" in triplicate and prepare electronic documents 2 "College Student Start-up Enterprise Personnel Status Form" 1 copy 3 "College Student Enterprise Application for Entrepreneurship Financing Status Form" 1 copy 4 Legal person ID card, household register or household registration certificate, graduation certificate (student ID card) 1 copy/5 Enterprise business license, tax 1 copy of the registration certificate and organization code certificate/6 1 copy of the capital verification report issued by the accounting firm/7 1 copy of the loan contract/8 1 copy of the company’s articles of association/9 technical cooperation agreement, patent certificate, 1 copy of the patent application acceptance notice, etc. If necessary, please submit 10. 1 copy of relevant award certificates, etc. 11. 1 copy of recommendation letters from mentors or venture capital, venture capital institutions and related companies

Specific provisions on entrepreneurial loans for college students

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.

Enterprise registration

1. The procedures are 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 hall of the industrial and commercial departments at all levels.

2. Reduction or 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.

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Application materials

1. Proof of identity;

2. Current students need to provide student ID and transcripts;

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 Yes): scholarship certificate, class cadre certificate, club activity certificate, various honorary certificates/reward social certificates such as blood donation, voluntary teaching, etc.

And:

(1) Identity documents (including originals of resident ID card, household registration booklet or other valid residence certificates) and marital status of the applicant for a college student entrepreneurial loan and his or her spouse;

(2) Documents proving the repayment ability of the applicant for a college student entrepreneurship loan such as personal or family income and property status;

(3) Business license of the applicant for a college student entrepreneurship loan and business licenses of related industries Certificates, relevant agreements, contracts or other materials for the purpose of the loan;

(4) Guarantee materials for college student entrepreneurship loan applicants: ownership certificates and lists of collateral or pledges, and the person with the authority to dispose of them agrees to the mortgage Proof of (pledge), the valuation report of the mortgage (pledge) issued by an appraisal department recognized by the bank.

Business Features

1. Credits are related to loan amounts

2. Enjoy low-cost loans

3. Diverse repayment terms

Loan requirements

1. Application conditions:

1. College graduates or above

2. More than 6 months after graduation Not employed, and registered as unemployed with the local labor and social security department.

2. Loan methods:

The small loan methods for college graduates to start their own businesses are guaranteed and mortgage (pledge) loans.

3. Loan period:

The small entrepreneurial loans provided by the state to college graduates are government subsidized loans with a term of 1 to 2 years. After 2 years, they will no longer enjoy financial benefits. discount.

4. For instructions and specific operation methods, leave a message online for consultation on the College Student Entrepreneurship Network.

Other entrepreneurial policies for college students:

1. Those engaged in self-employment:

Exemption from industrial and commercial registration and management administrative fees for one year

2. Self-employment:

Self-employed people can also keep their household registration files in the Municipal Employment Guidance Service Center for College and Technical Secondary School Graduates. For specific policies on self-employment of university graduates, the relevant departments should be consulted. [3]

Procedures

1. For matters related to applying for loans for college students to start a business, please consult the banking department;

2. The procedures for applying for a business license are as follows:

(1) Go to the registration hall of the Municipal Industry and Commerce Bureau and each sub-county Industry and Commerce Bureau to collect the registration form.

(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 name to the registration authority Registration application.

Loan channels

There are three main ways for college students to apply for entrepreneurial loans: apply for loans directly from banks, apply for subsidized loans for small and medium-sized technology enterprises, and use new technological achievements or intellectual property and patent rights. Make a secured loan. 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.

If not, are you a laid-off worker? Laid-off workers have the following loans

Laid-off workers’ business loan application conditions 1. Have full capacity for civil conduct and be under 50 years old;

2. If you have already started business, you must hold an industrial and commercial business license, tax registration certificate and relevant industry business license issued by the industrial and commercial administration authority; if you are still in preparation, you need to provide relevant business start-up certificates;

3. Engage in legitimate production and business activities, the project has development potential or market competitiveness, and have the ability to repay the principal and interest of the loan on time;

4. Have good credit standing, comply with laws and regulations, and have no bad credit and debt records , and can provide a mortgage, pledge or guarantee recognized by the bank;

5. Have a fixed residence and business premises in the handling institution.

Laid-off workers business loan application materials

1. Valid ID and household registration certificate, marriage status certificate, personal income certificate;

2. Relevant business license or Proof of entrepreneurship;

3. Other materials required by the bank.