2009 College Student Entrepreneurship Loan Policy
Graduates from ordinary colleges and universities (hereinafter referred to as college graduates) are my country’s valuable human resources. At present, affected by the international financial crisis, my country's employment situation is very severe, and the employment pressure of college graduates has increased. All regions and relevant departments should put the employment of college graduates at the top of the current employment work, take practical and effective measures to broaden employment opportunities, encourage college graduates to find employment at the grassroots level in urban and rural areas, central and western regions and small and medium-sized enterprises, encourage self-employment, and encourage Key enterprises and scientific research project units will absorb and stabilize the employment of college graduates. In order to further strengthen the employment of college graduates, with the consent of the State Council, the relevant issues are hereby notified as follows:
1. Encourage and guide college graduates to find employment at the grassroots level in urban and rural areas. Encourage college graduates to actively participate in the construction of new socialist countryside, urban community construction, and enlist in the army. Focusing on the fields of social management, public services, production services, life services, and rescue services for the masses at the grassroots level, vigorously develop grassroots social management and public service positions suitable for the employment of college graduates, and guide college graduates to work at the grassroots level employment. For college graduates who engage in social management and public service work at the grassroots level in rural areas and urban communities, and who meet the employment conditions for public welfare positions and are employed in public welfare positions, social insurance subsidies and subsidies will be provided in accordance with the current national employment promotion policies. For public welfare job subsidies, the required funds will be disbursed from the special employment funds; for those who are employed in other social management and public service positions at rural grassroots and urban communities, salary or living subsidies will be provided, and the required funds will be settled according to existing channels. At the same time, Participate in relevant social insurance as required. For college graduates who are employed in rural grassroots units below the county level in the central and western regions and difficult and remote areas and have fulfilled a certain service period, as well as college graduates who are drafted into the army to perform compulsory military service, corresponding tuition fees and student loan reimbursements will be implemented in accordance with regulations. College graduates with grassroots work experience will be given priority when recruiting graduate students and public institutions, and the proportion of civil servants recruited by party and government agencies at or above the prefecture and municipal level must be further expanded.
Continue to implement and improve special projects for grassroots employment and expand the scope of projects. Relevant departments will continue to strengthen the organization and leadership of relevant projects, and the provincial people's government is responsible for the policy connection between various grassroots employment projects. In 2009, the relevant departments of the central government continued to organize and implement the "selecting college graduates to work in villages", "three supports and one support" (supporting education, supporting agriculture, supporting medical care and poverty alleviation), "College Student Volunteer Service in the West Plan", "Rural Compulsory Education" For projects such as the "Special Position Plan for Staged School Teachers", various localities should also carry out local projects according to local conditions to encourage and guide more college graduates to sign up. College graduates are encouraged to stay in the local area for employment after the project ends. In the future, all corresponding vacant positions at natural attrition will be filled with college graduates who have expired. College graduates participating in the project will be provided with living subsidies, and the required funds will be settled through current funding channels, and they will also participate in relevant social insurance in accordance with regulations. The connection methods for the relevant treatment policies for each specialized project will be separately studied and formulated by relevant departments such as the Ministry of Human Resources and Social Security, the Ministry of Finance, the Ministry of Education, the Organization Department of the Central Committee, and the Central Committee of the Communist Youth League.
2. Encourage college graduates to find employment in small and medium-sized enterprises and non-public enterprises. Various small and medium-sized enterprises and non-public enterprises are the main channels for employment of college graduates. It is necessary to further clear up the institutional obstacles and restrictions that affect the employment of college graduates, provide them with services in file management, personnel agency, social insurance processing and renewal, professional title evaluation, and protection of rights and interests, so as to form a favorable environment for college graduates to find employment in enterprises. social environment. For enterprises to recruit college graduates or above who have non-local registered permanent residence, cities in all regions should cancel settlement restrictions (municipalities directly under the Central Government shall comply with relevant regulations). Enterprises that recruit qualified college graduates can enjoy relevant employment support policies in accordance with regulations. Labor-intensive small businesses that recruit registered unemployed university graduates and other urban registered unemployed people to a specified proportion can enjoy small guaranteed loan support of up to 2 million yuan in accordance with regulations.
3. Encourage key enterprises and scientific research project units to actively absorb and stabilize the employment of college graduates.
The human resources and social security departments shall provide special or other forms of vocational skill appraisal services based on the needs of college graduates, and the education department and colleges and universities must provide active cooperation. Appraisal subsidies will be provided to college graduates who meet the conditions for people with employment difficulties in accordance with regulations.
7. Strengthen employment assistance for college graduates with difficulties. For college graduates from disadvantaged families, colleges and universities can provide appropriate job search subsidies based on actual conditions. When agencies at all levels recruit civil servants and public institutions recruit staff, they will waive registration fees and physical examination fees for college graduates from disadvantaged families. For college graduates who have returned to their place of origin without employment after leaving school, public employment service agencies in various places must find out the basics, provide free policy consultation, career guidance, career introduction and personnel file custody and other services, and organize them to participate in employment internships. , vocational skills training and other activities to promote employment. For college graduates who are registered as unemployed, all localities must include them in the local unemployment support policy system. For college graduates who have difficulty finding jobs and college graduates from zero-employment families, support measures such as one-on-one career guidance, key recommendations to employers, and public welfare job placement will be implemented, and social insurance subsidies, public welfare job subsidies, etc. will be implemented in accordance with regulations. Employment Assistance Policy.
8. Strengthen leadership and clarify responsibilities. All localities should strengthen the organizational leadership for the employment of college graduates, incorporate the employment of college graduates into the local overall employment plan, make overall arrangements, determine goals and tasks, implement a target responsibility system, and strengthen work assessment and supervision. All relevant departments must effectively perform their functions and implement their work responsibilities. Human resources and social security departments at all levels should take the lead in formulating and implementing employment policies for college graduates, and provide employment guidance and employment services for college graduates after they leave school. The education department should guide colleges and universities to vigorously strengthen employment guidance and services for current students, and continue to deepen the reform of higher education. The financial department should make overall arrangements for funds to promote the employment of college graduates based on the employment situation and actual needs of college graduates. Other relevant departments must conscientiously perform their duties, strengthen coordination and cooperation, and jointly promote the work. It is necessary to vigorously promote the employment of college graduates, guide college graduates to establish a correct outlook on employment and talent, and form a good public opinion environment in which the whole society jointly promotes multiple channels for employment of college graduates. All localities must follow the requirements of this notice and combine local realities to formulate effective policies and measures, carry out work creatively, and do everything possible to promote the employment of college graduates.
General Office of the State Council of the People's Republic of China
January 19, 2009
(Xinhua News Agency, Beijing, February 15 )
College graduates who seek self-employment or start their own business can enjoy social insurance subsidies for no more than three years in the same way as those with difficulty in flexible employment; those who participate in entrepreneurship training can be provided with entrepreneurship training subsidies in accordance with regulations; colleges and universities Small businesses founded by graduates with an annual main business income of less than 500,000 yuan will be exempted or suspended from various fees for three years, and will be given subsidies based on a certain proportion of the local tax paid by the enterprise, with the maximum subsidy amount being 20,000 yuan.
What needs to be submitted: registered business license, project report, graduation certificate, company shareholder status, entrepreneurial training certificate, entrepreneurial guarantee certificate, legal person information, etc. Generally, you go to the Department of Labor and Social Security for entrepreneurship training first, and then they will guide you to apply for it.
Shenyang City will establish "one-stop" green channel services for approval, guarantee, and loan issuance in various regions, and improve the professional quality of business managers to provide more convenient and faster services for college students to start their own businesses. The loan amount changes from 20,000 to 50,000
The new policy provides more favorable conditions in terms of loan amount, term and interest discount. The loan limit can be expanded to a maximum of 50,000 yuan. For some special loan projects, the loan period can be extended to four years on the basis of the two years stipulated by the state. The interest on loans for low-profit projects that comply with the provisions of national loan interest subsidy funds will be fully subsidized by the central government for the first two years, and the interest will be subsidized by the district-level finance for the next two years. The interest on loans for non-subsidized projects will be subsidized by the district-level finance for the same period during the loan period. An interest discount of 10% of the loan base interest rate is provided. The municipal finance will provide a subsidy of 60% of the interest discount funds borne by each regional finance department.
The gradual cancellation of counter-guarantees
The establishment of a loan guarantee fund and the cancellation of counter-guarantees to a certain extent are adjustments made by the new policy on issues such as credit guarantees. The new policy stipulates that governments at all levels must increase the scale of loan guarantee funds, and handling banks must effectively exert the amplification effect of loan guarantee funds. The balance of loan obligations shall not exceed 5 times the balance of deposits in the loan guarantee fund; a loan guarantee fund shall be established to compensate for losses. Composite sharing mechanism. When a loan loss occurs, each handling bank will reimburse 80% from the loan guarantee fund deposited in the bank, and the handling bank will share 20%.
College Student Entrepreneurship Loan Application Information
College Student Entrepreneurship Loan Applicant and spouse’s identity documents (including resident ID card, household register or other original valid residence permit) and marriage status certificate;
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Documents proving the repayment ability of the applicant for the college student entrepreneurship loan such as personal or family income and property status;
The business license and business license of the related industry for the applicant for the college student entrepreneurship loan, the purpose of the loan Relevant agreements, contracts or other materials;
Guarantee materials for college student entrepreneurship loan applicants: ownership certificate and list of collateral or pledges, proof that the person with the authority to dispose agrees to the mortgage (pledge), recognized by the bank The valuation report of the mortgage (pledge) issued by the appraisal department.
Entrepreneurship projects required for college student entrepreneurship loans
Applicants for college student entrepreneurship loans must be at least 18 years old, have a legal and valid identity certificate and a legal residence certificate in the location of the loan bank, and have a fixed residence or business Place;
Applicants for college student entrepreneurship loans hold a business license issued by the industrial and commercial administration and a business license for related industries, are engaged in legitimate production and business activities, and have stable income and the ability to repay principal and interest. ;
Applicants for college student entrepreneurship loans have a certain amount of their own funds for investment projects;
The purpose of college student entrepreneurship loans complies with relevant national laws and bank credit policies, and is not allowed to be used for equity interests Sexual investment;
Open a settlement account in the bank, and the business income will be settled through the bank.
Enterprise registration
1. The procedures are more 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. Except for industries and commodities expressly prohibited by the state, its business scope will be liberalized and approved for operation. For restricted and special business projects, they are allowed to apply for special approval procedures at the same time. For those who apply to establish private enterprises in special economic zones such as science and technology parks, high-tech parks, and economic and technological development zones, special cases will be handled. Except for projects that require pre-approval, a "commitment registration system" will be trialled. If the applicant submits the registration application form, capital verification report and other main registration materials, a business license will be issued first and the applicant will be allowed to complete the relevant materials as required within 3 months. Anyone who applies to establish a limited liability company and uses intangible assets such as human capital, intellectual achievements, industrial property rights, and non-patented technologies of college graduates as investment is allowed to offset 40% of the registered capital.
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. Those who join private associations will be exempted from their 1-year membership fee. For college graduates who apply for high-tech enterprises (including limited liability companies), the minimum registered capital is 100,000 yuan. If there are indeed difficulties in funding, they are allowed to be provided in installments; the name of the application can be "high-tech" or "new technology" , "high technology" is approved as an industry. College graduates who engage in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within one year after the neighborhood committee reports to the local industrial and commercial administrative authority for filing.
Reminder: According to the staff of the Individual Affairs Department of the Provincial Industrial and Commercial Bureau, the relevant policies have been implemented. When college graduates go through the relevant procedures for self-employment, in addition to bringing the required materials and submitting relevant applications, You should also bring relevant information such as employment recommendation forms for college graduates, graduation certificates, etc.
In terms of 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.
Reminder: Relevant people from Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other banks in Rong said that the bank currently does not offer self-employment loans for college students. This embarrassing situation is mainly due to high risk associated with such loans. A person from the Fuzhou Branch Office of CITIC Industrial Bank said that while banks are pursuing capital profitability and liquidity, they must also consider its safety. Self-employment loans for college graduates carry higher risks than other loans. Banks generally will not lend easily to college students who have just graduated, lack social work experience, and do not have suitable collateral or guarantees. Another industry insider also said that even if college students have suitable projects on hand, this is only an isolated phenomenon. As an enterprise, the cost of a bank granting such a loan is not directly proportional to its income.
In fact, the difficulty in obtaining entrepreneurial loans for college students lies in the inability to provide valid assets as collateral or pledge. The reporter learned that many banks in Rong currently offer personal business loans for natural persons who have permanent urban residence or valid residence status and are over 18 years old. This type of business loan requires individuals to use certificates of deposit as collateral, or real estate mortgages and secured loans. College Student Entrepreneurship Network
In terms of tax payment
Any college graduate who engages in self-employment will be exempted from paying the tax registration certificate fee within one year from the date of approval of the business by the industrial and commercial department. If a newly established urban labor and employment service enterprise (except for industries restricted by the state) places unemployed persons (including college graduates who have registered as unemployed, the same below) in the current year exceeds 60% of the total number of employees of the enterprise, it may be approved by the competent tax authorities. Income tax exemption for 3 years. After the tax exemption period for labor and employment service enterprises expires, if the newly placed unemployed people account for more than 30% of the total number of original employees of the enterprise in that year, they can pay half of the income tax for 2 years with the approval of the competent tax authorities.
In terms of corporate operations
1. Employee recruitment and training enjoy reduced fees. For enterprises independently founded by college graduates, within one year from the date of approval of their operation by the industrial and commercial department, they can search for free talents on the websites of talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies. Labor supply and demand information, free recruitment advertisements, etc.; participating in talent fairs or talent and labor exchange activities organized by talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies will provide appropriate fee reductions and exemptions; the government The talent intermediary service agency affiliated to the human resources department provides free training and evaluation services to graduates who start companies and employees who start companies at a discount.
2. Personnel file management is free of charge for 2 years. For college graduates who start their own business, the talent agency service agency affiliated to the government's personnel administration department will keep their personnel files (including handling relevant procedures such as social security, professional titles, files and wages, etc.) free of charge for two years. 3. There are separate channels for social insurance participation. College graduates who engage in self-employment can go through the social insurance participation procedures at the individual payment windows set up by social insurance agencies at all levels.
Three options for entrepreneurship loans:
Personal entrepreneurship loans: Entrepreneurship loans refer to individuals who have certain production and operation capabilities or are already engaged in production and operation activities. They apply for starting a business or re-starting a business. Funding needs application, a special loan issued after the bank recognizes the effective guarantee.
Qualified borrowers can receive a single loan support of up to 500,000 yuan based on their personal resources and repayment ability; those who have started a business of a certain scale or become re-employed stars can also apply for a higher amount of loans. The term of a business loan is generally 1 year, with a maximum term of no more than 3 years.
Commercial mortgage loans: Currently, for many personal loans handled by banks, as long as the mortgage procedures meet the requirements, the bank will not ask about the purpose of the loan. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan limit is 300,000 yuan. If you need to purchase a commercial house along the street to start a business, you can use the house to be purchased as collateral and apply for a commercial housing loan from the bank. The loan amount generally does not exceed 60% of the appraised value of the commercial house to be purchased, and the loan term is no longer than 10 years.
Guaranteed loan: If you have no certificates of deposit, treasury bonds, or insurance policies, but your wife or parents have a stable income, then this can also be an excellent credit resource. Currently, banks have a special preference for high-income groups. Lawyers, doctors, civil servants, employees of public institutions, and people in the financial industry are all listed as preferential treatment targets for credit loans. Employees in these industries only need to find one or two colleagues to guarantee them. You can obtain a guaranteed loan of about 100,000 yuan from financial institutions such as ICBC and China Construction Bank. Moreover, this kind of loan does not require any mortgage or appraisal procedures. If you have such a relative, you can apply for a loan in his name. After preparing all the materials, you can get business capital on the same day.
There are three main options for starting a business loan. Entrepreneurs can choose a business loan that suits them according to the situation.