Enterprise registration 1, the procedure is more simplified. All college graduates (starting their own businesses or bidding for private enterprises after graduation) can give priority to the registration through the "green channel" in the registration hall 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 sexual and special business projects, special examination and approval procedures are allowed while applying. For those who apply to set up private enterprises in special economic zones such as science and technology development zones, special affairs shall be handled in addition to the registration system that must be carried out before. "The applicant may issue a business license before submitting the materials. It applies for the establishment of intangible assets such as limited liability public capital, intellectual achievements, industrial property rights and non-patented technology as investment. Various fee reductions and exemptions. Except for national industries, the industrial and commercial departments shall exempt individual industrial and commercial households from management fees and license fees within 1 year from the date of approving their operation. Those who join private associations are exempt from 1 year membership fee. If college graduates bid for high-tech enterprises (including limited liability companies), the minimum registered capital is 654.38+10,000 yuan, if they are put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". College graduates engaged in community service and other activities are exempted from industrial and commercial registration and introduction by all kinds of industrial and commercial management staff within 1 year. At present, the relevant policies have been implemented. In addition to applying for self-created materials, college graduates should also bring 1 employment recommendation form and graduation certificate, preferential loan support and appropriate credit loans. Increase support for college graduates' self-employment loans, and give priority to credit support to financial institutions that can provide effective assets for loans. College graduates can be used as the main borrowers, and the guarantor can be jointly guaranteed by their families or immediate family members. If the credit standing is good and the repayment is guaranteed, credit loans will be issued appropriately. 2. Simplify the loan procedures. By simplifying the loan turnover within a fixed period. 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. Reminder: Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other relevant persons in Rong Bank all said that at present, the bank has not started the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person from the office of CITIC Industrial Bank Fuzhou Branch said that banks should consider the security of funds while pursuing the profitability and liquidity of funds. Compared with other loans, college graduates' self-employment loans are risky. College students have just graduated, lack social work experience, and have no suitable collateral or guarantee. Banks generally do not lend easily. Another person in the industry also said that even if college students have suitable projects at hand, this is only an individual phenomenon. As an enterprise, the input cost and income of such loans issued by banks are not proportional. In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. The reporter learned that at present, many banks in Rong have opened personal business loans for natural persons who have permanent residence in cities and towns or valid residence status and have reached the age of 18. This kind of risky loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans. In terms of tax payment, all college graduates who are engaged in self-employed business are exempt from paying the tax registration certificate fee within 1 year from the date when the business is approved by the industrial and commercial department. Newly established urban employment service enterprises (except national industries), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees of the enterprise, 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. In terms of business operation, 1, employees can enjoy free employment and training. 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 agencies affiliated to the personnel department of the government provide free training and evaluation services for graduates who start enterprises, and provide preferential treatment 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.
Second, what does the loan intermediary mean?
Ordinary people, especially those who borrow for the first time, don't know which lending institutions are available in the market and which one is most suitable for them. Most people apply to one or two lending institutions only after seeing the advertisements of lending institutions or the introduction of acquaintances. Sometimes I ran to one or two lending institutions and was rejected. I thought the loans were all the same, so I gave up or changed to another company.
In fact, there are many lending institutions on the market, including banks, and each application threshold is different. This one doesn't meet the requirements, and maybe one will pass the application smoothly. However, with so many lending institutions in the market, it is unrealistic for borrowers to try and make mistakes one by one.
Loan intermediaries have a more professional understanding of the loan market. They are quite familiar with local lending institutions and master many loan channels. Therefore, according to the actual situation of borrowers, they will look for suitable channels and provide valuable suggestions to find suitable loan products for borrowers. Greatly improve the choice of borrowers, choose the best among the best, and match the most suitable lending institutions for borrowers.
Three. Registration conditions of intermediary companies
Intermediary service institutions engaged in real estate intermediary business shall set up corresponding real estate intermediary service institutions. Real estate intermediary service institutions should be economic organizations with the sole legal personality.
The establishment of real estate intermediary service institutions shall meet the following conditions:
(1) Having its own name and organization;
(2) Having a fixed service place;
(3) Having a certain amount of property and funds;
(four) engaged in real estate consulting business, with real estate and related professional secondary school education or above, primary school education or above, primary professional and technical titles must account for more than 50% of the total number; Engaged in real estate appraisal business, there must be a specified number of real estate appraisers; Engaged in real estate brokerage business, there must be a specified number of real estate brokers. The capital and personnel conditions for the establishment of real estate intermediary service institutions shall be reviewed by the real estate management department at or above the county level, and industrial and commercial registration shall be handled after passing the examination. Institutions that need to engage in real estate appraisal business across provinces, autonomous regions and municipalities directly under the Central Government shall report to the competent construction administrative department of the State Council for examination. After passing the examination, re-apply for industrial and commercial registration.
The establishment of a real estate intermediary service institution shall apply to the local administrative department for industry and commerce for registration of establishment. Real estate intermediary service institutions shall, within one month after receiving the business license, go to the real estate management department of the people's government at or above the county level where the registration authority is located for the record. Where a limited liability company or a joint stock limited company is established to engage in real estate intermediary business, the relevant provisions of the Company Law of People's Republic of China (PRC) shall also be implemented.
The real estate management department shall inspect the professional conditions of real estate intermediary service institutions once a year, and publish the list of qualified real estate intermediary service institutions at the beginning of each year. Those who fail to pass the inspection shall not engage in real estate intermediary business.
Four, Sichuan loan intermediary company registration conditions
There are three hard conditions. Details are as follows: 1. There must be at least 2 senior managers who meet the requirements, have a bachelor's degree or above, and have more than 3 years of experience in the financial leasing industry. 2. Eligible foreign-invested enterprises as investment shareholders. Foreign-invested enterprises have been established for at least 1 year, and provide audit reports, credit certificates, notarized documents and other materials of foreign-invested enterprises. 3. It is necessary to have a registered address of the free trade zone that meets the requirements, with a registered capital of not less than100000 USD. Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it. The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers. It is more like a microchannel that flows into the borrower's market.