Apply for college students' venture capital:
First, graduates hold all kinds of materials and apply to the Municipal Personnel Bureau.
Second, the Municipal Personnel Bureau is responsible for the pre-loan audit, which examines whether the graduates meet the loan conditions and whether the loan application projects belong to financial discount and meager profit projects and issues a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.
Three, by the county (city) personnel bureau for examination, submitted to the county (city) guarantee institutions for examination.
Four, the guarantee institutions to review the loan applicant's guarantee application and the counter guarantee measures provided.
Five, by the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant.
Six, college graduates (including college, undergraduate, graduate) engaged in self-employed, since the date of approval to start business, self-employed registration fee, self-employed management fee, economic contract model text fee in 1 year. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years.
Extended data
First, the application conditions:
1. Unemployed for more than 6 months after graduation, and registered with the local labor and social security department.
2. College degree or above.
Second, the loan method:
The way for college graduates to start businesses is guarantee and 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.
The main contents of college students' entrepreneurship support:
First, give financial support to college students' entrepreneurship. Comprehensive evaluation of college students' self-employment ability, scientific and technological content, potential economic and social benefits, market prospects and other factors, providing free financial support of 20 thousand yuan to150 thousand yuan. The support standard is divided into four grades: 20,000 yuan, 50,000 yuan, 6,543.8+10,000 yuan and 6,543.8+0.5 million yuan. Give priority to entrepreneurial projects with independent intellectual property rights and invention patents, which are energy-saving and labor-intensive; The amount of project support for self-employed entities shall not exceed 50,000 yuan.
Two, the implementation of college students' entrepreneurship (entrepreneurship) subsidies. For eligible college students who start their own businesses for the first time, they will be given a subsidy of 5,000 yuan for starting their own businesses. Each person can only enjoy a business (business) subsidy for each business license.
How to handle college students' business loan?
1. Materials to be prepared: Approval Form for Self-employment of College Graduates; Original and photocopy of graduation certificate; Original and photocopy of my ID card; Registration card; Two one-inch photos; My file needs to be handed over to the graduation office of the personnel bureau. 2. Application conditions: (1) The applicant for college students' entrepreneurial loan is at least 18 years old, and has a legal and valid identity certificate and 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) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds; (4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment; (5) Open a settlement account in a bank, and the operating income will be settled by the bank. 3. Loan method: Step 1: Apply. Graduates apply to the Municipal Personnel Bureau with various materials. The second step: preliminary examination. The Municipal Personnel Bureau is responsible for the pre-loan audit, examining whether the graduates meet the loan conditions, and whether the loan application project belongs to the low-profit financial discount project, and issuing a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated. Step 3: Review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit. Step 4: Guarantee. The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided. Step 5: Recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant. Step 6: borrow money. College graduates (including junior college students, undergraduates and graduate students) engaged in self-employment are exempted from self-employment registration fees, self-employment management fees, and economic contract demonstration text cost. Within 1 year from the date of approval of operation. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years. Fourth, matters needing attention. It is easy for college students to fall into the misunderstanding of low entrepreneurial knowledge reserve and empty hands. Because of staying on campus for a long time, I lack understanding of society, especially in market development and enterprise operation. Therefore, college students should be fully prepared before starting a business. On the one hand, we should rely on working or internship in enterprises to accumulate relevant management and marketing experience; On the other hand, by participating in entrepreneurship training, accumulating entrepreneurial knowledge, receiving professional guidance, charging yourself and improving the success rate of entrepreneurship. The preparation of funds, it is difficult for a clever woman to cook without rice. Nearly half of college students think that "capital is a roadblock to entrepreneurship". Without funds, even the best ideas can hardly be transformed into realistic productivity. Before you get the funds, you must first know how much money you need, how to get the funds, and how the funds come from. Entrepreneurs must have a certain business philosophy, choose creditor's rights as the source of funds or equity as the source of funds, and choose what as the guarantee for investors. These basic problems will determine the success of the initial stage of entrepreneurship. College students should broaden their thinking and raise funds through multiple channels. In addition to traditional channels such as bank loans, self-raised funds and private loans, we can also make full use of financing channels such as venture capital and venture capital. Technology and interests are exchanged for intelligence and capital, which is a characteristic way for college students to start a business. Some venture capitalists are often willing to fund their business plans just because they take a fancy to the advanced technology mastered by college students. Therefore, college students who intend to start businesses in high-tech fields must attach importance to technological innovation, develop products with independent intellectual property rights and attract investors' funds. Personal entrepreneurial ability is a process from simple to complex. For example, if you lack judgment on the market at the beginning, you should start with a simple market and accumulate experience. College students are technically outstanding, but their abilities in financial management, marketing, communication and management are generally insufficient, and they are not familiar with the "rules of the game". If entrepreneurs want to succeed in starting a business, they should not only have strong execution ability (perseverance and persistence), but also have basic business ability. Although there are unlimited business opportunities in today's entrepreneurial market, it is not "bending down to pick up the wealth on the ground" for college entrepreneurs with limited funds, abilities and experience. In this case, college students can only find the right place to start their own businesses according to their own characteristics, and then they can break into a new world that really suits them. Matters needing attention Wait until these four hardware facilities are complete, I believe you are not far from success, but starting a business is also a very difficult thing.
How to apply for college students' entrepreneurial loans?
How to apply for college students' entrepreneurial loans?
How to apply for college students' entrepreneurial loans? With the strong support of national policies for entrepreneurship, more and more college students choose to start their own businesses after graduation instead of applying for jobs in companies. The state's policy support provided part of the venture capital. Here's how to apply for college students' entrepreneurial loans.
How to apply for college students' business loan 1
First, the application conditions for college students' venture capital loans:
1, bachelor degree or above.
2. College students or college students within two years of graduation.
3. The age must be above 18 years old.
4. The loan applicant must have a fixed residence or business premises.
5. The projects invested by entrepreneurs already have their own funds.
6. Business license and business license, stable income and ability to repay interest.
7. Requirements for loan term and amount
The term is 1~2 years, and financial subsidies will not be enjoyed after two years.
Requirements for the amount of venture loan: generally, it shall not exceed 70% of the total working capital required by the borrower for normal production and business activities, small equipment (equipment) purchase (installation or maintenance) and franchise chain operation. The term is generally not more than 2 years and the longest is not more than 3 years, of which the longest term of working capital loans for production and operation is 1 year. The term loan interest rate of individual entrepreneurship loans announced by the People's Bank of China can fluctuate within the prescribed range.
Second, the application process of college students' entrepreneurial loans:
1, receptionist. The applicant shall submit the application form and relevant application materials to the Management Service Center of College Students' Entrepreneurship Institute, and the Management Service Center of College Students' Entrepreneurship Institute shall conduct preliminary examination.
2. review. Personnel Bureau, Ministry of Finance and other relevant departments shall, according to factors such as industry orientation, enterprise scale, employees, registered capital, profits and taxes, review the information of commercial loan applicants and approve the discount amount.
3. publicity. The approved commercial loan discount object and discount amount shall be publicized by the applicant's unit or community for a period of 5 working days.
4. recognition. After the publicity, if there is no objection, the Human Resources Bureau will send a notice of approval.
5. attach. According to the examination and approval notice of the relevant departments, the economic circles provide proof of payment to the discount object, and then pay the support money in the special fund for college students' independent operation.
There are risks in the market. In the process of starting a business, college students must keep their eyes open, inspect the market more, get more market information, and choose projects worthy of research and investment to minimize the risk of starting a business.
How to apply for college students' entrepreneurial loans II
College students' entrepreneurship loan is a policy launched by the national government for college students' entrepreneurship, which is open to college students and college students within two years of graduation. In addition to loans, the support given by this policy also includes financing, taxation and entrepreneurship guidance.
Considering the specific situation of college students, venture capital funds have no interest or mortgage, but they have a fixed number of years, usually 1 to 2 years. However, local governments attach different importance and trust to college students' entrepreneurship, which leads to different support.
Some local governments pay special attention to it, and the loan amount and term are larger and wider. For example, there was a policy in Chongwen District of Beijing in 2008. The maximum loan for college students to start a business was 500,000 yuan, and the interest was subsidized by the district government. The "Angel Entrepreneurship" launched in Shanghai a few years ago also set the maximum amount at 500,000 yuan.
So, if you want to know the amount and duration of your loan, just bring your identification documents, school experience certificate and business plan and ask the local government where your account is located.
Of course, this loan is not given casually by the government, it depends on what your entrepreneurial project is. If it can bring tax revenue to the local government and increase employment, and it is a sunrise industry, then the government will naturally attach importance to you.
What are the advantages of this policy?
There is a "green channel" in the registration hall of the industrial and commercial department, which provides priority registration for college students. As long as you don't sell white # and yellow #, let you operate. Even restricted and special business projects are allowed to go through special examination and approval procedures at the same time.
In addition to the projects that must be pre-approved, the "commitment registration system" will be tried out. What does this mean? In other words, you can get a business license first, and as for the other seven seven eight eight, you can make up slowly later.
Moreover, if someone contributes intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology, it can also offset 40% of the registered capital.
Various expenses are also reduced accordingly. Except for industries restricted by the state, the industrial and commercial departments shall exempt individual industrial and commercial households from registration fees, management fees and various license fees for one year.
How to apply for college students' entrepreneurial loan 3
1. Prepare materials and select investment projects. To apply for interest-free loans for college students, you need relevant certificates from colleges and universities, including ID cards, student ID cards, transcripts, graduation certificates, degree certificates and other proof of studying at school. If you have the scholarship certificate, the certificate of class cadres and clubs, and the award certificate, you can also prepare them together, which can improve the application approval rate.
In addition, since you must have an investment plan when starting a business, although you can invest in industries not prohibited by the state, the ultimate goal of the loan is to make a profit. Therefore, it is necessary to carefully select investment projects, improve investment plans, and make auditors feel that your investment is promising and valuable.
2. Ask about local policies. College students' entrepreneurial loans are generally applied at their place of residence (if the project is good, they can also apply at their place of residence). Due to the different economic levels in different parts of the country, the support for college students' entrepreneurship is also different. So, take your certificate and investment plan to the local government to ask for support policies. That is, at which bank did you apply for a loan? How much can I borrow? Specific procedures for applying for interest-free loans.
3. Bank application. After understanding the procedures, file an inquiry with the bank that specifically undertakes the venture loan. After filling out the relevant forms, ask the bank staff for detailed procedures and information. In this way, when each unit handles business, it is necessary to know fairly well.
4. Apply for a business license. The industrial and commercial department has set up a "green channel" for college students to start businesses, giving priority to registration. As long as it is not an illegal project, the industrial and commercial departments will give fee relief and relax the capital injection policy. Go through the pre-approval of the enterprise name in the industrial and commercial department and fill in the application form, and you will soon get a formal business license.
Of course, before going through the industrial and commercial registration, you must meet the necessary conditions such as places.
5. Audit by Human Resources and Social Security Bureau. Bring the completed materials and register with the Labor and Employment Department of the Human Resources and Social Security Bureau. After reviewing the materials submitted by you, the Employment Association will give you a recommendation form and an evaluation report. Then hand it over to the guarantee center, which will review it again. If there is no problem, the Labor and Employment Security Center will issue a letter of guarantee.
6. Bank approval. With the above materials, submit the materials of the Human Resources and Social Security Bureau, the guarantee provided by the guarantee center and the business license of the industrial and commercial department to the bank again. At the same time, print the six-month bill in the bank account and submit it to the bank for review. Under normal circumstances, you can receive the loan within 7 working days.
How do college students apply for venture capital? How much is the amount?
Application process of college students' venture capital:
1. The applicant applies to the Management Service Center of the College Students Pioneer Park and submits relevant application materials, which will be reviewed by the Management Service Center of the College Students Pioneer Park;
2. The Personnel Bureau shall, jointly with the Finance Bureau and other relevant departments, examine the object information of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, number of employees, registered capital, profits and taxes, and verify the discount amount;
3. 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. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;
5. 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.
Extended data
Policies related to college students' entrepreneurship
(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 65,438+00% 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 65,438+0 years, and the balance can be put in place by stages within 3 years.
(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 with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; 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.
(four) the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep personnel files (including social security, professional titles, file wages and other related procedures) for 2 years for self-employed graduates; 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.