_ Yuexiu Fortune Center includes Hubei Miaoding Lending Service Co., Ltd. and Qian Duoduo Finance Company. According to relevant data, Hubei Miaoding Lending Service Co., Ltd. and Chengdu Qian Duoduo Company are both online small loan companies, which are formal investment and financial management platforms with collateral as guarantee. Borrowing money from them requires collateral as a security guarantee, so the capital risk of the platform is low.

Second, college students' entrepreneurial loans.

Preparation materials: 1. Application for approval form; 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. Proof of repayment ability of college students' entrepreneurial loan applicants, such as personal or family income and property status; 8. Identity documents of college students' entrepreneurial loan applicants and their spouses (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; 9. The ownership certificate and collateral certificate created or pledged by college students, and the collateral appraisal report issued by the appraisal department recognized by the bank. 10. The business license of the applicant for college students' entrepreneurial loan and the business license of related industries, relevant agreements, contracts or other loan purposes;

Application conditions:

And college students who graduate within two years;

2. College degree or above;

3. 18 years old or older;

4. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.

Application process:

Graduates first fill in the small amount of laid-off workers in the local community, and then submit their identity documents, employment and unemployment registration certificates, laid-off workers and business licenses to the small secured loan handling bank, and sign loan contracts and guarantee contracts in the bank. The general bank will give a reply within 5 working days after submitting the information.

1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, which will be managed by the College Students Pioneer Park.

2. review. The object and amount of discount interest for commercial loans that have passed the preliminary examination shall be reviewed by the Personnel Bureau in conjunction with the Finance Bureau and other relevant departments according to factors such as industry orientation, enterprise cost, profits and taxes, and the amount of discount interest shall be approved;

3. publicity. Publicize the approved commercial loan discount to the unit or community, and the publicity period is 5 working days;

4. approval. After publicity without objection, issued by the personnel bureau.

5. payment. According to the interest payment vouchers provided by relevant departments, special funds are extracted to support college students to start their own businesses.

Interest-free loan conditions for college students:

1, college degree or above;

2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department;

3. The location of the loan;

4. Have a business license and a business license, and the income is stable.

5. Entrepreneurs have invested in some projects.

Preparation materials for college students' interest-free loans:

1, identification;

2. Ask students to provide student ID cards.

3. Graduates are required to provide graduation certificates and degree certificates;

4. Checklist of frequently used bankbooks or bank cards in the past 6 months;

5. Other credit certificates: scholarship certificate, class cadre certificate, community activity certificate, blood donation, teaching and other honorary certificates.

6. Check whether the students have

The process of interest-free loans for college students;

1. When registering to set up a senior household, it shall issue the graduation certificate and personal identity card of ordinary colleges and universities to the registration authority, as well as the Employment Registration Certificate of College Graduates of National Ordinary Colleges and Universities or the Employment Registration Certificate of National Postgraduates (hereinafter referred to as the "Registration Certificate") issued by the provincial department in charge of employment of college graduates;

2. After verification by the registration authority, go through the registration formalities according to law, indicate the registration time on the registration certificate, affix the seal of the registration authority and return it to me, and indicate "college graduate" after the name of the business license operator of individual industrial and commercial households;

3, college graduates with "individual industrial and commercial households business execution.

Third, bank credit schemes are generally divided into loans and exposures, and loans have one-to-one returns. ...

Exposure, you know? For example, if you open a bank acceptance bill of 5 million yuan and deposit 2 million yuan in the bank, then the remaining 3 million yuan is unsecured for the bank, which is called exposure.