What entrepreneurial preferential policies can college students enjoy when starting a business? For this reason, I will share it with you. You are welcome to read it.
Detailed explanation of preferential policies for entrepreneurship for college students
Attention 1: Preferential policies for entrepreneurship
What tax preferential policies can self-employed entrepreneurs enjoy?
College graduates For students engaged in self-employment, the actual business tax, urban maintenance and construction tax, education surcharge, local education surcharge and personal income tax that should be deducted in that year shall be deducted in sequence according to the limit of 9,600 yuan per household per year within 3 years.
For small low-profit enterprises established by college graduates with an annual taxable income of less than 100,000 yuan*** including 100,000 yuan***, 50% of the income deduction shall be included in the taxable income. , pay corporate income tax at a tax rate of 20%. For college graduates engaged in individual business operations, the threshold for regular business tax payment will be raised to 20,000 yuan in monthly turnover, and the threshold for pay-per-time tax payment will be raised to 500 yuan per ***day turnover.
What administrative fee reduction and exemption policies can be enjoyed?
College graduates who are engaged in self-employment within 2 years of graduation, except for industries restricted by the state, must register with the industrial and commercial administration department Registration, management and license administrative fees are exempted for three years from the date of registration; corporate enterprises with a registered capital of less than 500,000 yuan for college graduates are allowed zero down payment of registered capital, and the registered capital is in place within 6 months. %, and the remaining part will be in place within 2 years; college graduate entrepreneurial entities ***except for industries restricted by the state*** are exempt from exemption within 3 years from the date of entering the entrepreneurship park ***incubation base*** recognized by the provincial competent department Various administrative fees such as registration, license and management fees will be collected; if entrepreneurial entities of college graduates enter the Entrepreneurship Incubation Park*** Base*** for incubation, appropriate financial subsidies will be provided in terms of venue and other related expenses. A 50% subsidy will be given to the rental fees for entrepreneurial entities; a 50% subsidy for water and electricity bills will be based on the actual amount paid.
What social insurance preferential policies can be enjoyed?
College graduates who are self-employed or start their own business can enjoy social insurance subsidies for no more than 3 years on the basis of flexible employment difficulties; for Small and micro enterprises founded by college graduates can pay pension and unemployment insurance premiums within three years as individual industrial and commercial households; college graduates with difficulties who start their own businesses and participate in social insurance will be provided with social insurance based on 50% of the amount of social insurance premiums they actually paid that year. Subsidy, the required funds are disbursed from local employment funds.
For college graduates who have left school but are not employed and who hold an "Employment and Unemployment Registration Certificate" to achieve flexible employment and pay social insurance premiums in accordance with regulations, social insurance subsidies will be provided for up to 2 years. The social insurance subsidy standard is calculated based on 50% of the basic social insurance premium actually paid by an individual, and the required funds are disbursed from the special employment fund. Qualified college graduates can apply for social insurance subsidies from employment service agencies affiliated with the local human resources and social security department.
Focus 2: Applying for a business loan
What procedures are required to apply for a loan to start a business?
College graduates who apply for a loan to start a business need to provide their ID card and "Graduation Certificate" ", "Employment and Unemployment Registration Certificate", "Business License" ***If a business license is not required, other qualification certifications***, business premises, counter-guarantee measures, etc. will be provided.
Eligible college graduates can enjoy full financial interest subsidy for loans. College graduates who open "online stores" on e-commerce online platforms can also enjoy small guaranteed loans and interest discount policies.
What is the loan limit for starting a business?
For college graduates who have graduated within 2 years, the maximum guaranteed loan limit for starting a business shall not exceed 150,000 yuan, and the loan limit for more than 2 years Generally, the maximum limit is no more than 100,000 yuan; the term of a business guaranteed loan is generally no more than 2 years.
Counter-guarantee can take the form of physical mortgage, pledge, and third-party guarantee.
How do college graduates apply for entrepreneurial loans?
The loan applicant submits a loan application to the guarantee agency, fills out the "Entrepreneurship Guaranteed Loan Application Form" and submits relevant materials; the guarantee agency Review of materials submitted by loan applicants.
The guarantee agency and the handling bank jointly conduct investigations and on-site audits of loan applicants, counter-guarantors or mortgage pledges, and issue investigation and audit opinions; After jointly auditing qualified loan applicants with the handling bank and signing a "Counter Guarantee Contract", "Guarantee Contract", and "Loan Contract" in accordance with relevant regulations and in accordance with the law, the handling bank will issue a loan.
Concern 3: Archives and personnel policies
How should the archives of college graduates who apply for self-employment be kept?
In accordance with relevant national regulations, applicants who apply for self-employment should Entrepreneurial college graduates can place their files for free in the talent exchange agency affiliated with *** in the place where they registered before enrolling, or at any talent exchange agency affiliated with *** in the province.
College graduates whose files are stored in talent service agencies can enjoy the following services: Responsible for the procedures related to the transfer of personnel files; handle regularization and grading for graduates; file salary promotion; declaration of qualifications for professional and technical positions ; Go through the settlement procedures; transfer the relationship with the party organization, handle the formalization of probationary party members, and cultivate and develop new party members; issue settlement certificates, house purchase certificates, family planning certificates, political review for going abroad, etc.; collect and pay five insurances and one fund; for those who are not employed yet Graduates are recommended for employment.
What preferential personnel policies can self-starters enjoy?
College graduates who start their own businesses and participate in basic pension insurance can be admitted or recruited to work in state agencies, institutions or state-owned enterprises. , their payment years can be combined and calculated as length of service. College graduates who start their own businesses enjoy the same treatment as similar personnel in state-owned enterprises and institutions in terms of professional and technical title evaluation, scientific research project funding applications, scientific research results or honorary title applications, etc.
Policies to support college students' entrepreneurship
1. Tax incentives for college students to start their own businesses
The "Employment and Entrepreneurship Certificate" issued by the human resources and social security department *** indicates "Independence within the year of graduation" According to the "Entrepreneurship Tax Policy"***, college graduates who establish individual industrial and commercial households or sole proprietorships within the graduation year*** refers to the natural year of graduation, that is, January 1 to December 31***, shall be exempted from the tax per year within 3 years. A household's annual limit of RMB 8,000 is used to deduct the business tax, urban maintenance and construction tax, education surcharge and personal income tax that it actually pays that year. Small low-profit enterprises founded by college graduates shall enjoy relevant tax support policies in accordance with national regulations.
2. Entrepreneurship guaranteed loans and interest discounts
For eligible college students who start their own businesses, they can apply for an entrepreneurial guaranteed loan in accordance with regulations in the place of starting a business, with a loan limit of 100,000 yuan. Financial institutions are encouraged to refer to the basic loan interest rate and combine the risk sharing situation to reasonably determine the loan interest rate level. For entrepreneurial guaranteed loans issued to individuals, if the increase is within 3 percentage points based on the basic loan interest rate, the finance will provide interest discounts.
3. Exemption from relevant administrative fees
If ordinary college students who have graduated within 2 years and engage in self-employment*** except in industries restricted by the state***, they will be exempted from other charges. Within 3 years from the date of first registration with the industrial and commercial department, relevant administrative fees such as management, registration, and licenses will be exempted.
4. Enjoy training subsidies
For small and micro enterprises founded by college students who recruit newly graduated college graduates, sign a labor contract of more than one year and pay social insurance premiums, they will be given 1 Annual social insurance subsidy. For college students who participate in entrepreneurship training during the graduation year***, that is, within 12 months*** from July 1 of the year before graduation, training subsidies will be provided according to regulations based on the entrepreneurship training certificate they obtained or their employment and entrepreneurship status. .
5. Free entrepreneurial services
College students who are willing to start a business can obtain free entrepreneurial guidance services provided by public employment and talent service agencies, including policy consultation, information services, "One-stop" entrepreneurial services such as project development, risk assessment, business start-up guidance, financing services, and tracking support.
6. Cancel the restrictions on the settlement of college graduates
College graduates can go through the settlement procedures in the place where they started their business ***Municipality under the Central Government shall implement the relevant regulations***.
7. Cultivation of innovative talents
Entrepreneurial college students can enjoy the series of "Excellence Plans" implemented by universities across the country, the action plan for collaborative education through science and education, etc., and at the same time enjoy the opportunities offered by interdisciplinary majors. Cross-curriculum, innovation and entrepreneurship education experimental classes, etc., as well as exploring and establishing new mechanisms for cultivating innovative and entrepreneurial talents across departments, disciplines, and majors.
8. Establish innovation and entrepreneurship education courses
Self-entrepreneurial college students can enjoy various professional courses and innovation and entrepreneurship education resources that have been explored and enriched by various universities, as well as research developed and offered to all students. Compulsory and elective courses in methods, subject frontiers, entrepreneurship foundations, employment and entrepreneurship guidance, etc., enjoy online open courses such as MOOCs and open video courses shared by various regions and universities, and online open course learning Certification and credit recognition system.
9. Strengthen the practice of innovation and entrepreneurship
College students who start their own businesses can enjoy the University Science Park, Entrepreneurship Park, Entrepreneurship Incubation Base, and Engineering Research Center of the Ministry of Education that are open to all students. , various laboratories, teaching equipment and other scientific and technological innovation resources and experimental teaching platforms. Participate in the National College Student Innovation and Entrepreneurship Competition, the National Higher Vocational College Skills Competition, and various special competitions on technological innovation, creative design, and entrepreneurial plans, as well as innovation and entrepreneurship associations, entrepreneurial clubs and other societies established by college students to enhance their practical ability in innovation and entrepreneurship.
10. Reform the teaching system
Self-entrepreneurial college students can enjoy the innovation and entrepreneurship credit accumulation and conversion system established by various colleges and universities, and conduct innovative experiments with students, publish papers, and obtain patents. and self-employment are converted into credits, and students’ participation in research projects, project experiments and other activities are recognized as new explorations in classroom learning. At the same time, we also enjoy the innovation and entrepreneurship ability training plan formulated for students with willingness and potential, innovation and entrepreneurship files and transcripts, and a series of teaching practice activities that objectively record and quantitatively evaluate students’ innovation and entrepreneurship activities. Priority will be given to supporting students involved in entrepreneurship to transfer to relevant majors.
11. Improve student status management regulations
College students who are willing to start their own businesses can enjoy the flexible academic system implemented by universities, relax the number of years of study for students, and allow them to adjust academic procedures, retain their student status, take a leave of absence to innovate and start a business and other management regulations.
12. Entrepreneurship guidance services for college students
College students who start their own businesses can enjoy continuous assistance, full guidance, and one-stop services provided by universities across the country for self-employed students. As well as local and university-level information service platforms, it provides students with real-time information on national policies, market trends and other services, as well as services such as docking of entrepreneurial projects and intellectual property transactions. You can enjoy the support policies of college student entrepreneurship incubation bases built according to local conditions on the basis of giving full play to the role of various entrepreneurship incubation bases in various places, as well as related training, guidance services and other support policies.