You can apply.
First, the process of college students' entrepreneurial loans:
Step one: accept. Generally speaking, college students who want to start a business with loans can apply to the management service center of the College Students Pioneer Park, and they can submit relevant materials. The management center of the College Students Pioneer Park will conduct a preliminary review of the applications received.
Step 2: Review. For the management center of college students' pioneer park, including loan application discount or loan amount. Then the Pioneer Park Management Center will submit the application information to the Personnel Bureau and other relevant departments. Then the Personnel Bureau will verify the preferential amount with the Finance Bureau and other relevant departments.
The third step: publicity. The Finance Bureau will re-examine the submitted materials, and after passing the examination, the applicant's unit or community will publicize the determined preferential object and amount for 5 working days.
The fourth step: recognition. After five working days of publicity, if there is no objection, then the personnel bureau will issue a notice of approval.
Step 5: Pay. According to the approval notice of relevant departments, the Finance Bureau will start to allocate funds to support college students to start their own businesses.
Step 6: Complete the materials. In other words, college students should fill in the application materials for starting a business loan.
Two, college students' business loan application materials include:
The identity certificate of the applicant;
If you are a student, you must provide your student ID card and school report card.
If you are a graduate student, you can provide a diploma and a degree certificate;
The loan applicant shall provide his frequently used bank card or his reconciliation list for the past six months;
If you have credit certificates such as scholarship certificates and class cadre certificates, you can also provide them, which will be more helpful for you to apply for a loan.
Second, can college students get loans for starting businesses?
College graduates who want to start a business within five years can register at the Provincial Youth Entrepreneurship Guidance Center. First, there will be guidance and training before starting a business, and then they will make their own business plans. It must be detailed and comprehensive, and it must be feasible. It is best to choose from government-supported projects, some of which will have high loan guarantees. Before refinancing, the lending bank (usually Agricultural Bank of China) will evaluate and check your business plan and need your reply. Then, you will have the specific business location, business license, tax registration certificate, as well as the hygiene license and health certificate of the catering industry. There are many procedures, but some fees will be waived. Moreover, if the government has a financial discount on bank loans, more specific details can be found on the website of the provincial government. In recent years, in order to support college students' entrepreneurship, the state and governments at all levels have issued many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. College Students Entrepreneurship Network (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 (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. (2) Enterprises or business units newly established by 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 provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 20,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term. College Students' Entrepreneurship Network (4) The talent intermediary service agency affiliated to the government personnel administrative department keeps personnel files (including social security, professional titles, file wages and other related procedures) for self-employed graduates for 2 years free of charge; Provide free information on the supply and demand of talents and labor force, and publish free recruitment advertisements and other services; To participate in talent fairs or talent service exchange activities, appropriate fee reduction; Provide training and evaluation services for entrepreneurial employees. (5) 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. For example, according to the relevant regulations of the state and 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 relief.
Three, college students can apply for business loans in a few years.
College students within two years, as well as fresh graduates and college students can handle it.
After graduating for more than two years, you can still apply for a business loan, but you can't just apply to the bank as an individual entrepreneur (the business loan for college students is handled by the service center, and the Finance Bureau allocates funds from the special fund to support college students' self-employment).
It is an unsecured and unsecured credit loan for college students (junior college students, undergraduates, graduate students, doctoral students, etc.). In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training and so on.
The procedure is more simplified. Where college graduates apply to engage in self-employment or bid for private enterprises within two years after graduation, they can register in advance through the "green channel" in the registration hall of industrial and commercial departments at all levels. Its business scope is beyond the scope 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.
Anyone who applies for the establishment of a limited liability company shall pay 40% of the registered capital with intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates.
Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments shall waive the registration fees (including registration, change registration and replacement fees), management fees and fees of individual industrial and commercial households.
Those who join private associations are exempt from 1 year membership fee. For college graduates, the bid for high-tech enterprises (including limited liability companies) is 65,438+10,000 yuan. For example, the name of the fund can be "high-tech", "new technology" and "high-tech standard". College graduates engaged in community service and other activities will be exempted from 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.