First, the policy of college students' entrepreneurial loans in 2022

(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, with the balance.

2022 College Students' Entrepreneurship Loan Policy

(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.

Second, what materials are needed to apply for college students' entrepreneurial loans?

(1) Identity documents (including original resident ID card, household registration book or other valid residence permit) and proof of marital status of college students' entrepreneurial loan applicants and their spouses;

(2) Proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants;

(3) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans;

(4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank.

3. What are the procedures for college student loans?

1, accepted

Step 2 review

Step 3 publicize

After examination and approval, the commercial loan discount object and discount amount shall be publicized by the Personnel Bureau and the unit or community where the college student's individual business loan applicant is located, and the publicity period shall be 5 working days;

Step 4 agree

If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. Appropriation

According to the reply notice, after the discount object provides the interest payment certificate, the Finance Bureau will allocate funds from the special fund to support college students' self-employment.

Second, the loan platform without looking at big data 2022

1. Pocket flower Pocket flower is one of the online loans that must be made in 2022 without looking at big data. It is also a new online loan that has just been launched recently. The threshold is low and the loan is easy. When you apply, you don't check the credit information, you don't look at big data, and you don't care about black and white. The maximum loan amount available to users is 50,000 yuan, and the service period is 1- 12 months. At present, it is not aimed at Xinjiang. Applicants must be aged between 20 and 50, have used real-name registration system mobile phone number for more than half a year, and can submit personal information such as ID card, mobile phone operator and contact person, and pass the examination as soon as possible. 2. Enjoy the housekeeper. Enjoy the housekeeper is an opening that ignores the big data of credit reporting. In 2022, it was also a good online loan. When applying, you don't look at credit information and big data, and the comprehensive rating requirements for users are relatively low. Also known as the opening of big data flowers that must pay for it. If you want to apply for a good housekeeper, you need to be over 20 years old and be able to submit personal information such as ID card, mobile phone operator, contact person and face recognition. The general down payment is around 5,000 yuan, with a maximum of 50,000 yuan. The service period is 1- 12 months, and the loan will be released on the same day as it is approved. 3. Pufa Loan Pufa is a good online loan that does not check credit information and big data. The application threshold is low and easy to approve. Although it is an old-fashioned online loan, the loan ratio has been relatively good, and it is also a loan without credit investigation and big data seconds in 2022. Recently, there are many records of successful loans for black and white households. As long as it is more than 560 points, users aged between 22 and 45 can submit their ID cards, mobile phone operators and mobile phone operators. The maximum loan amount available to users is 200,000 yuan, which can be repaid in 12, 24 and 26 installments. The whole process must be approved by the system, and the fee will be paid if it is approved. ? 4. Huaya borrow money to spend Duck borrowed money in 2022 without checking credit information and ignoring risk control. At present, it has been transformed into a lending platform, and many online loans must be spent on big data. The maximum loan amount available to users is 6,543,800 yuan, and the service life is as long as 654.38+ 02 months. Applicants are required to be between the ages of 20 and 60, and can submit personal information such as ID card, mobile phone operator, contact person, face recognition, etc. Once the loan is approved, the loan will be released on the same day. 5. Haier's consumer finance Haier's consumer finance is also a hole in the 2022 credit big data for a long time. This hole is operated by a regular licensed financial institution. Although the loan is for credit reporting, the requirements for credit reporting and big data are relatively low. Also known as the hole of credit information and big data black energy. At present, the system audit is adopted, and the loan can be received as soon as possible after it is successfully passed. The next model shall not exceed 200,000 yuan at most, and its service life shall be as long as 12 months. Applicants are required to be between 18-60 years old and be able to submit personal information such as ID card, face recognition, contact person and bank card.

Third, is there a loan that doesn't look at big data? Introduce me to one. It's urgent. We need 300 yuan. ...

Private loans, mortgage loans,

Let's see what others say.

Fourth, don't look at the loan platform of big data.

Don't look at a lot of Ping An new loans, look at credit cards, look at credit 2 credit cards, and look at credit reporting. 3, people's livelihood to help food loans, look at credit information, look at credit cards. 4, Xiaohua wallet. 5. Give it back to me.

1. Peer-to-peer lending refers to direct lending between individuals through the Internet, which is characterized by low threshold, fast lending and simple operation. It uses big data risk control mode to conduct pre-user audit and screening of financial institutions, and recommends high-quality audit workload for SMEs for banks. Let's share its application process with you today.

Second, the process of applying for online loans Applying for online loans is actually not to apply for many online loans at once, so on average, the application rate is not very high. The correct way should be to apply slowly one by one, and then apply for the next one when the last one has the result. Sometimes it is not necessarily the reason, but where the loan does not meet (how to quickly approve the loan? ) standard, and then adjust the strategy to apply for the next one.

If you are rejected, check your residence first. Apply for online loan A first, and if it is rejected, see at which step it was rejected, and then carefully check the information involved in that step to pick out possible problems and see if there is room for optimization; Online loan B, so your successful choice is very important and the choice is appropriate. Generally speaking, it is very important for everyone to operate the big platform well first and operate it stably first. The old and the new choose the old first, because the old has experienced the precipitation of time, the open area has also increased, the new is generally unstable, and the down payment ratio is also high.

Third, matters needing attention in applying for online loans

The mobile phone number and address book are provided to any mobile phone number in order to get in touch with the applicant at a specific time.

It goes without saying that the mobile phone number must be real name and must be authenticated by my real name. If you don't have a real name, do it. The longer the mobile phone number is used, the better it is to apply for a loan.

There is no abnormal information in the address book. We often receive all kinds of advertising information. Sometimes these advertisements are really helpful, so we just keep them for comments, such as "loans", "lenders" and "loan intermediaries". However, if this information is reduced, you will feel that your nuclear pass rate will decrease. Therefore, when filling in the mobile phone number, you can use these keywords in the address book to deal with contacts to avoid unnecessary misunderstandings.

Android mobile phone users should pay attention to the third party to read, while Apple mobile phone is completely privacy-protected, and no third party can read short messages. Therefore, Android mobile phone users are exposed to more information in front of online loans, paying special attention to the following information. First, other loan text messages, repayment reminders, collection, etc. , all belong to the restore item. The second is all kinds of short messages from bank credit cards. The number of credit cards given to online loans in the mailbox must not be too different from the number of credit cards involved in the SMS.