According to the statistics of relevant departments, in 2006, the number of college graduates nationwide reached 410.3 million, an increase of 22% over the previous year, and the overall employment situation is not optimistic.
Self-employment of college students is a way out. Jia, general manager of Jilin Fishery Marketing Consulting Co., Ltd., analyzed that the policy of loans to support college students' entrepreneurship is favorable, mainly in the following two aspects:
First, it can accelerate the transformation of scientific and technological achievements or patents held by college students, quickly liberate scientific and technological productivity, and make scientific and technological achievements or patents gain more market opportunities.
Second, it can solve the problem of insufficient venture capital for some college students' independent creative projects. The so-called independent creative projects refer to small-scale innovative commercial projects independently developed by college students, which often fill the gap in the market. Helping college students solve part of the funds is not only to solve the problem of college students' entrepreneurship materially, but also to encourage college students' entrepreneurship spiritually, stimulate their entrepreneurial awareness and cultivate the market atmosphere for college students' entrepreneurship.
College students can get up to 50,000 venture loans.
The threshold for loans was rapidly lowered, and all procedures were completed in one stop.
Compared with the old policy more than a year ago, the new policy of college students' self-employment loans has indeed made great progress. The Ministry of Education expressed the hope that this improvement will encourage more college students to enter the ranks of self-employment.
"One-stop" formalities
After graduating from college, Cheng Yan accidentally learned that college students can get loans for starting businesses, so he consulted relevant departments. But at that time, many departments only knew about small loans for laid-off workers, and they didn't know what was going on with college students' entrepreneurial loans. As the procedures of relevant departments are still in the exploratory stage, the road to loan in Cheng Yan is doomed to be not very smooth from the beginning. Cheng Yan said: "The relevant departments themselves don't know the application procedure, and I printed the form myself. After running back and forth for more than a month, the light transportation cost was 100 yuan. "
Policy change: Shenyang will establish a "one-stop" green channel service for approval, guarantee and loan issuance in various regions, improve the professional quality of enterprise managers, and provide more convenient and efficient services for college students' entrepreneurship. The loan amount was changed from 20,000 to 50,000.
[Reviving the past]: Cheng Yan didn't start from scratch. The drugstore he runs now is run by several relatives in partnership. After several years of operation, they hope that Cheng Yan, who just graduated, will continue to do so, which also provides him with a certain economic foundation. Cheng Yan said that without this material guarantee, he would definitely not be able to run the drugstore with a loan of 20,000 yuan. However, the relevant policies stipulate that the maximum loan amount per person is 20,000 yuan, which is not enough for college students who really start their own businesses.
Policy change: The new policy gives more favorable conditions in terms of loan amount, term and discount. The maximum loan amount can be extended to 50,000 yuan. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The discount interest funds undertaken by the local government shall be subsidized by the municipal finance at 60%.
Counter-guarantee is gradually cancelled.
"Bring up the past": The procedure is complicated and the amount is limited, but I still won't talk about it. The guarantor's problem almost made Cheng Yan give up. The original loan policy made quite strict requirements on the qualifications and conditions of loan guarantors. After careful consideration, Cheng Yan decided to use his parents' salary as a guarantee. He couldn't help wondering: "If both parents are farmers and college students, what kind of guarantee can be provided? "
According to a staff member of Shenyang Branch of China Construction Bank, for college students with certain capital, experience and management ability, their loan request can be considered with reference to the scale of operation, and some college students are encouraged to start their own businesses through this form. But in order to control risks, banks must require borrowers to have reliable guarantors and certain capital.
Policy change: the establishment of loan guarantee fund and the cancellation of counter-guarantee are to some extent the adjustment of credit guarantee and other issues by the new policy. The new policy stipulates that governments at all levels should increase the scale of loan guarantee funds, and the handling banks should give full play to the amplification effect of loan guarantee funds, and the balance of loan liabilities should not exceed five times the balance of loan guarantee funds; Establish a compound sharing mechanism for loan guarantee fund to compensate losses. When the loan is lost, the handling banks will compensate 80% from the loan guarantee fund deposited in the bank, and the handling banks will share 20%.
The background of the news story
Cheng Yan, a college student who graduated last year, applied for a loan of 20,000 yuan from the personnel department for college students to start their own pharmacy. Although the final loan application was successful, during the application process, many college graduates who want to apply for entrepreneurial loans stopped, resulting in a situation of asking more and doing less.
Yesterday, the General Office of Shenyang Municipal Government issued a document, clearly indicating that the loan threshold will be lowered, and the loan amount will be raised from 20,000 yuan to 50,000 yuan ... Does the introduction of the new loan policy indicate that college students born a year and a half ago will soon bid farewell to the "dormant" period?
related news
Procedures for handling college students' self-employment loans
□ Reporter Yan
According to the document Notice of Liaoning Provincial Government on Several Policies for Promoting the Employment of College Graduates (Liao Fa [2003] No.26), college graduates with self-employment certificates in Liaoning Province can apply for self-employment loans.
According to the regulations, college graduates who apply for small loans to start their own businesses in Shenyang must hold the College Students' Self-employment Certificate. Graduates who apply for the Certificate of Self-employment of College Students need to bring the following materials to the Graduation Office of Shenyang Personnel Bureau:
1. Approval Form for Self-employment of College Graduates;
2. Original and photocopy of graduation certificate; 3. The original and photocopy of my ID card; 4. Registration card; 5. Two one-inch photos;
6. My file needs to be submitted to the Graduation Office of Shenyang Personnel Bureau.
The municipal personnel department shall, jointly with the education department and the Communist Youth League Committee, conduct a preliminary examination of the basic conditions for the applicant to apply for loan guarantee, and issue a certificate of self-employment. Submit the relevant application materials that have passed the preliminary examination to the guarantee institution at the same level, and the guarantee institution will review the guarantee application. After the guarantee institution promises to guarantee, the education department will submit the relevant information of the applicant to the commercial bank with loan guarantee cooperation relationship for loan review. After the commercial bank approves the loan, it signs a guarantee contract with the guarantee institution, signs a loan agreement with the loan applicant, issues the loan in time, and indicates on the applicant's self-employment certificate that the secured loan has been handled.
Audit requirements and related preparations are:
College students should pay attention to the following problems when starting a business: First, they should have mature psychological preparation, which is more suitable for starting a business; Second, don't be superstitious about your own creative projects or your own patented technology or achievements, and conduct full market research; Third, don't want to "eat a fat man in one bite", but have a stable entrepreneurial mentality; Fourth, it is best for college students to start a business in partnership rather than alone.
Bank's requirements for loan applicants
(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;
(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
(3) The borrower has certain self-owned funds for investment projects;
(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;
(5) Open a settlement account in the bank, and the operating income will be settled by the bank.
Loan applicants need to provide application materials.
(1) Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;
(2) Proof of repayment ability such as personal or family income and property status;
(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;
(4) Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) property issued by the appraisal department recognized by the bank.