Information required for starting a business loan: the applicant's valid identity document and proof of funds. Loan application. Mortgage or guarantee procedures. Proof of loan use. Certificate of business place. Business license.

First, venture loans refer to small credit loans that are different from current consumer loans and are used to meet the needs of individual entrepreneurs in urban and rural areas. In terms of loan amount, it belongs to; From the nature of the loan, it is a credit loan and does not need mortgage guarantee; From the perspective of loan targets, it is individual urban and rural residents, not existing enterprises; In terms of loan purposes, it belongs to entrepreneurial loans, which is different from the current consumer loans; As far as the loan name is concerned, it belongs to the nickname of microfinance, which is a China title that conforms to the national conditions; In terms of poverty alleviation effect, it has the highest poverty alleviation efficiency, the largest coverage, the best economic benefits, the highest loan recovery rate and the fastest speed, which can make the national poverty alleviation funds play the greatest role.

Second, the application process of college students' entrepreneurial loans:

1. Graduates apply to the Municipal Personnel Bureau for entrepreneurial loans with various materials.

2. The Municipal Personnel Bureau is responsible for the pre-loan audit, examining whether the graduates meet the loan conditions, whether the loan application project belongs to the financial discount and meager profit project, and issuing a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.

3. After being reviewed by the county personnel bureau, it shall be submitted to the county guarantee institution for review.

4. The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided.

5. The handling bank shall, jointly with the district, county and municipal personnel bureaus and guarantee institutions, review the loan project and be responsible for the final examination and 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.

6. College graduates who are engaged in self-employment, including junior college students, undergraduates and graduate students, are exempt from self-employment registration fees, self-employment management fees and economic contract demonstration text fees. 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.

How to handle personal business loans?

1. Search the human resources and social security departments of this province as shown in the figure.

2. The window for finding employment and unemployment opens, as shown.

3. Pull the page below and find the startup loan as shown in the figure.

4. The following are the details of the loan and the supporting objects.

1, eligible registered unemployed persons in cities and towns in the province.

2, employment difficulties (including the disabled)

3. Demobilized veterans

4. People released from prison

5. College graduates (including college student village officials and returned students)

6. Resolving employees and unemployed people in enterprises with excess capacity.

7. Migrant workers returning home to start businesses

8. Online merchants

9. Establish file cards for poor people and other types of independent entrepreneurs.

5. Support time

1. The maximum support period of personal business guarantee loan shall not exceed 3 years.

2, the partnership or organization * * * has a business support period of not more than 3 years.

3. For small and micro enterprises and employment promotion bases and business incubation bases recognized by the human and social departments, the longest support period shall not exceed 2 years.

6. Personal commercial loans

1, personal business guarantee loan in poverty-stricken areas, giving full discount.

2. Personal business guarantee loans in other regions are fully discounted in the first year, 2/3 in the second year and 1/3 in the third year.

Second, the partnership venture loan

According to the quota of 6,543,800 yuan per qualified partner, the interest will be discounted with reference to the personal business guarantee loan.

Third, small and micro enterprise loans.

If the amount is less than 2 million yuan, it will be given a discount of 50% of the loan preferential interest rate on the day when the loan contract is signed. If the employment promotion base and business incubation base are within 2 million yuan, the preferential interest rate of the loan will be given in full according to the date of signing the loan contract.

7. Personal business loans

1. Copy of the applicant's ID card and household registration book;

2. Copy of marriage certificate, spouse's ID card and household registration book (unmarried people do not need to issue them);

3. Business license (business license or breeding and breeding contract issued by relevant departments; Enterprise business license can also apply for personal business guarantee loans);

One of the identification materials of 4.9 entrepreneurs;

5. A copy of the counter-guarantor's ID card and proof of salary income; Copy of mortgage or pledge (if the bank bears all risks, this material is not needed).

loan application

The entrepreneur applies to the venture loan guarantee center of the venture project with the application materials. Online application is handled according to the online process.

2. Audit investigation

The local venture loan guarantee center shall verify the authenticity of the application materials, and assign special personnel (at least two persons) to conduct on-the-spot investigation on the applicant's (small and micro enterprises) venture projects together with the handling financial institutions. .

3. Bank loans

According to the opinions of the venture loan guarantee center, the handling bank shall timely issue loans in accordance with relevant regulations and procedures.

8. Click on the policy consultation, and you can see the contact numbers of loan centers in different cities as shown in the figure.

Extended data:

The significance of risk loan;

Maintaining social stability: providing financial support to the poor can make the poor see hope. Venture loan is not only a good way to ensure social stability, but also a moral and political project to win the hearts of the people.

Promote economic development: Venture loan is a financial lever for people to get rid of poverty and become rich. Providing entrepreneurial loans can not only make full use of financial leverage, but also greatly promote the development of individual and private economy, help people get rid of poverty and become rich, and enhance the credit awareness of the whole society.

Deepening financial reform: Venture loan conforms to the national conditions, is the driving force to catalyze the change of financial concepts and accelerate national rejuvenation, and is a unique financial product in the primary stage of socialism.

Opening wider to the outside world: China is a country with a large number of poor people, and start-up loans will play an important role in credit poverty alleviation activities.