application management
Enterprise application management
1, the program is more simplified. Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can register in advance through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted.
2. Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high technology", "new technology" and "high technology". College graduates engaged in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record.
Application conditions
1, fresh graduate, graduated within two years;
2. College degree or above;
College students' entrepreneurial loan
3. 18 years old or older.
Application 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 examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.
6. Application materials for college students' entrepreneurial loans
serial number
Material name
Copy number
comment
1, Application Form for College Students' Entrepreneurship Funding (Commercial Loan Discount)
triplicate
Prepare another electronic document
2. Table of College Students Entrepreneurial Enterprise Personnel
1 serving
3. Form of College Students' Entrepreneurial Application for Entrepreneurship Funding
1 serving
4. Legal person ID card, household registration book or household registration certificate, graduation certificate (student ID card)
1 each copy.
5. Business license, tax registration certificate and organization code certificate.
1 each copy.
6. Capital verification report issued by accounting firm
Copy 1 copy
7. Loan contract
Copy 1 copy
8. Articles of Association
Copy 1 copy
9, technical cooperation agreement, patent certificate, patent application acceptance notice, etc.
1 each copy.
Don't submit it if it is not necessary
10, relevant award certificates, etc.
1 each copy.
1 1, letters of recommendation from tutors or venture capitalists, venture capital institutions and related enterprises, etc.
1 each copy.
Edit the application materials in this paragraph.
1, identification;
2. Students at school need to provide student ID cards and school transcripts;
College Students' Creative Loan Consultation
3. Graduates are required to provide graduation certificates and degree certificates;
4. Checklist of frequently used bankbooks or bank cards in the past 6 months;
5. Other credit certificates (if any): certificate of scholarship, certificate of class cadres, certificate of community activities, certificate of various honors/social rewards, such as blood donation and voluntary teaching.
And:
(1) documents proving the repayment ability of the applicant for college students' entrepreneurial loan, such as personal or family income and property status;
(2) Identity documents (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status of the applicant for college students' entrepreneurial loans and their spouses;
(3) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank.
(4) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans;
Edit the business characteristics of this paragraph.
1, enjoy low-cost loans.
2. Credit is related to the loan amount.
3. Various repayment conditions
Edit the loan requirements in this paragraph.
First, the application conditions:
College students' entrepreneurial loan
1, unemployed for more than 6 months after graduation, registered in the local labor and social security department.
2. College degree or above
Second, the loan method:
Small loans for college graduates to start their own businesses are secured by mortgage.
Three. Loan term:
The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.
Fourth, explain the specific operation methods. Online message for college students' entrepreneurship network consultation.
Other college students' entrepreneurship policies:
1, engaged in self-employed:
/kloc-administrative fees for industrial and commercial registration management will be exempted within 0/year.
2. Self-employment:
Self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.
Edit the loan interest rate in this paragraph.
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × annual (monthly) × annual (monthly) interest rate+principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
(3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.
(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.
(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.
(six) the formulation and filing of interest calculation methods
The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.
(7) Reference basis:
1. Provisions on the Administration of RMB Interest Rate (Yinfa 199977).
2. Notice of the People's Bank of China on issues related to the interest rate of RMB loans. 200325 1).
3. Notice of the People's Bank of China on Interest Calculation and Settlement of RMB Deposits and Loans (Yinfa [2004]10/No.. 2005 129).
Notes for editing this paragraph
According to the staff of the individual department of the Provincial Administration for Industry and Commerce, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring college graduates' employment recommendation forms, graduation certificates and other related materials when going through the formalities related to self-employment.
Edit the benchmark interest rate for this paragraph.
Interest rate before project adjustment and adjusted interest rate
I. Short-term loans
Within six months (including six months) 6. 10 5.85
Half a year to one year (including one year) 6.56 6.438+0
Second, medium and long-term loans
One to three years (including three years) 6.65 6.40
Three to five years (including five years) 6.90 6.65
More than five years 7.05 6.80
Three, personal housing provident fund loans
Less than five years (including five years) 4.45 4.20
More than five years 4.90 4.70
Edit the application in this paragraph.
College students can provide third-party guarantees and apply for secured loans, requiring the guarantor to have good economic ability and good credit. Generally, a small secured loan can get a loan of about 50 thousand. The better the qualification of the guarantor, the higher the loan amount can be obtained. If the parents of college students have real estate, they can mortgage it to the bank and apply for a mortgage loan, then the amount and probability of obtaining a loan will be higher. In addition, college students can also raise funds by looking for venture capital.
Edit this program
1. Please consult the Banking Department for matters related to college students' business application for loans;
2. The procedures for obtaining a business license are as follows:
(1) Get the registration form from the registration hall of the Municipal Administration for Industry and Commerce and the industrial and commercial bureaus of counties and districts.
(2) Apply to the registration authority for pre-approval and registration of the company name;
(3) Fill in the company registration form and submit the capital verification report, articles of association and site certificate, and submit an application for company registration to the registration authority.
Edit the loan channel in this paragraph.
There are three main ways for college students to apply for business start-up loans: directly applying for loans from banks, applying for discount loans for small and medium-sized science and technology enterprises, and using new technological achievements or intellectual property rights and patents as security loans. However, because banks are very strict in examining personal loan applications, especially paying attention to borrowers' repayment ability, and college students have just started their own businesses, it is difficult for them to obtain the loans they need. College students are advised not to apply for loans in the first way.
Edit this preferential policy
Financial loan
1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans. For those who can provide effective asset mortgage (pledge) or quality customer guarantee, college graduates can be the main borrowers, and the guarantor can provide corresponding joint guarantee for the stable income or effective assets of their families or immediate family members. For those with good credit standing and guaranteed repayment, financial institutions will give priority to credit support. For college graduates' entrepreneurial loans, credit loans should be appropriately issued on the basis of controllable risks.
2. Simplify the loan procedures. By simplifying the loan procedures, the credit loan amount will be determined reasonably in a certain period of time. 3. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate.
In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. A number of banks offer personal business loans to natural persons who have permanent residence or valid residence status in cities and towns and have reached the age of 18. This kind of risky loan requires individuals to take mortgage loans, or real estate mortgage loans and secured loans.
pay taxes
College graduates who are engaged in self-employment are exempted from paying the tax registration certificate fee 1 year from the date when the business department approves their operation. Newly established urban labor and employment service enterprises (except industries restricted by the state), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees, may be exempted from income tax for 3 years with the approval of the competent tax authorities. After the expiration of the tax exemption period for labor employment service enterprises, if the newly placed unemployed persons account for more than 30% of the total number of original employees of the enterprise in that year, the income tax may be halved for 2 years with the approval of the competent tax authorities.
Enterprise operation
1. Staff recruitment and training enjoy free discounts. For enterprises founded by college graduates independently, they can inquire about the supply and demand information of talents and labor force and publish job advertisements free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the government personnel and labor security administrative departments within 1 year; Participate in talent recruitment fairs or talent service exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative department of personnel and labor security of the government, and give appropriate fee reductions; The talent intermediary service institutions affiliated to the government personnel department provide free training, graduates and evaluation services for employees who start enterprises. 2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep their personnel files (including social security, professional titles, file wages and other related procedures) free of charge for two years. 3. There are separate channels to participate in social insurance. Self-employed college graduates can apply for social insurance at the individual payment window set up by social insurance agencies at all levels.
Beijing
From May 2006, in addition to those who hold the Beijing Re-employment Concession Card, unemployed university 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.
In 2008, the new policy issued by Chongwen District stipulated that entrepreneurs in Chongwen District can get a loan of up to 500,000 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 unemployed, unemployed and entrepreneurial college students, eligible students of Chongwen District Entrepreneurship Training Course, members of entrepreneurs' clubs and private owners who start businesses in this 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 300,000 yuan, and college students can get 500,000-300,000 yuan for entrepreneurship.
Chongqing
University graduates who have not been employed for more than half a year and have a fixed account can register in the neighborhood Committee where the account is located and apply for a bank mortgage or secured loan of 3,000 to 4,000 yuan; In addition, in order to adapt to the changes in the employment situation of college students, in the past two years, Chongqing has successively launched micro-loans for college students' entrepreneurship, opening up employment resources and employment markets to local and foreign students equally, creating more employment opportunities for college graduates.
Taiyuan
Taiyuan registered unemployed college graduates who want to start their own businesses can apply for a small secured loan of no more than 50,000 yuan. The financial department of the county (city, district) may entrust a designated guarantee institution to provide guarantee for it, and the county (city, district) shall be responsible for making up for the operating gap of small secured loan funds.
Fujian Province
Self-employed college graduates can enjoy the discount policy of small secured loans and other forms of small loans. The maximum amount of discount loans is 50,000 yuan, and the finance 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 guarantees in different places.
Qingdao
Qingdao allocated100,000 yuan to set up the "Qingdao University Graduates Entrepreneurship Support Fund" to support college graduates to start their own businesses. Self-employed college graduates can apply for small secured loans, with the maximum loan amount not exceeding 50,000 yuan. For those engaged in low-profit projects, the finance at the same level will give full discount according to the facts; Teams with more than two people can be relaxed to 200,000 yuan.
Sichuan Province
1, reducing various expenses. Except for industries designated by the state, the industrial and commercial departments will exempt individual industrial and commercial households from registration fees (including registration, change registration and renewal fees), management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. College graduates applying for high-tech enterprises (including limited liability companies) have a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high technology", "new technology" and "high technology". College graduates who engage in sports such as community service will be exempted from industrial and commercial registration within 1 year after being reported by the neighborhood committee to the local administration for industry and commerce for the record, and all kinds of industrial and commercial management fees will be exempted.
2. The procedure is more simplified. Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For * and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that need pre-approval, the special affairs office will try out the "commitment registration system". Applicants who submit important registration materials, such as application for registration and capital verification report, may first issue a business license, so that relevant materials can be supplemented within 3 months as required. Anyone who applies for the establishment of a limited liability company with intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented skills of college graduates as capital contribution promises to offset 40% of the registered capital.
Edit industry restrictions in this section.
In order to guide college students to find jobs through multiple channels, especially to encourage self-employment and flexible employment, the provincial government issued the "Implementation Opinions on Further Improving the Employment of College Graduates". According to the opinion, graduates who start their own businesses can get support in registration, loan financing, tax reduction and exemption, and entrepreneurial services. College students can relax certain industry restrictions when starting a business. For example, when individual industrial and commercial households, sole proprietorship enterprises and partnership enterprises bid, they are not subject to the minimum capital contribution unless otherwise stipulated by laws and regulations. In addition, as long as you are engaged in investment and management in industries and fields such as high-tech, modern manufacturing and modern service industries, you can also use family houses, rented houses and temporary commercial houses. As a place of business.
For new college graduates who started their own businesses and registered unemployed college graduates within 2 years after graduation, they can apply for a small secured loan of less than 654.38+10,000 yuan at the place where they started their business. If the project is a low-profit industry, you can also enjoy the full financial discount policy. According to the relevant person in charge of the Provincial Department of Human Resources and Social Security, starting from 20 12, Shanxi Province will select more than 10 entrepreneurial projects for college graduates every year, give follow-up support, and give all-round assistance in terms of funds, policies and operations. College graduates go to small and medium-sized enterprises and non-public enterprises for employment, and public employment service agencies at all levels provide them with labor security and personnel agency services such as personnel relationship transfer, file management, regularization grading, professional and technical title evaluation, and enjoy the treatment of similar personnel in state-owned enterprises and institutions; For college graduates who apply for flexible employment, public employment service agencies at all levels will provide personnel and labor security agency services free of charge; If college graduates with employment difficulties realize flexible employment and declare, they will also be given certain social insurance subsidies from the special funds for employment. If the flexible employment of college graduates is recruited by various employers, or from enterprises and social organizations to government agencies and institutions, the social insurance payment period after recruitment and the payment period during flexible employment will be calculated together.