Application for college students' entrepreneurial loan

Application conditions: 1, a college student who graduated within two years; 2. College degree or above; College students' entrepreneurial loan

3. 18 years old or older. Application process: 1. Accept. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination; 2. review. The personnel bureau, together with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to the factors of industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and approve the discount amount; 3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days; 4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval; 5. Pay. According to the reply notice, after the discount object provides the interest payment certificate, the Finance Bureau will allocate funds from the special fund for supporting college students to start their own businesses. 6. The serial number, name and description of the application materials for college students' entrepreneurial loans.

1 The application form for college students' entrepreneurship assistance (commercial loan discount) is in triplicate, and an electronic document is prepared.

2. 1 copy of "Information Form for College Students Entrepreneurial Enterprise Personnel"

3. 1 copy of "Application for Venture Capital of College Students"

4 1 Copy of corporate ID card, household registration book or household registration certificate, graduation certificate (student ID card)/

5 1 Copy of business license, tax registration certificate and organization code certificate/

6 Copy of capital verification report issued by accounting firm 1 copy/

7 copies of loan contract +0 copies/

8 copies of the Articles of Association 1 copy/

9 65,438+0 copies of technical cooperation agreements, patent certificates and patent application acceptance notices. Submit them if necessary.

Relevant award certificates, etc. 10. Each serving 1 serving.

Letters of recommendation from tutors or venture capitalists, venture capital institutions and related enterprises 1 copy each.

Edit the application materials in this paragraph.

1, identification; 2. Students need to provide student ID cards and transcripts; College Students' Creative Loan Consultation

3. Graduates need 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 (if any): certificate of scholarship, certificate of class cadres, certificate of community activities, certificate of various honors/social rewards, such as blood donation and volunteer teaching. And: (1) the identity documents (including the original resident identity 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: ownership certificate and list of collateral or pledge, certificate that the person with the right to dispose of it agrees to mortgage (pledge), and mortgage (pledge) valuation issued by the evaluation department recognized by the bank.

Edit the business characteristics of this paragraph.

1. Credit is related to the loan amount. 2. Enjoy low-cost loans. 3. The repayment period is diversified.

Edit the loan requirements in this paragraph.

(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises; (2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest; (3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds; (4) The use of college students' entrepreneurial loans conforms to 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.

Edit this program

1. Please consult the banking department for matters related to college students' business application for loans; 2. The procedure for obtaining a business license is as follows: (1). Get the registration form from the registration hall of the Municipal Administration for Industry and Commerce and the district and county administrations for industry and commerce. (2) Apply to the registration authority for pre-approval and registration of the company name; (3) Fill in the company registration form and submit the capital verification report, articles of association and site certificate, and submit an application for company registration to the registration authority.

Edit the loan channel in this paragraph.

There are three main ways for college students to apply for business start-up loans: directly applying for loans from banks, applying for discount loans for small and medium-sized science and technology enterprises, and using new technological achievements or intellectual property rights and patents as security loans. However, because banks are very strict in examining personal loan applications, especially paying attention to borrowers' repayment ability, and college students have just started their own businesses, it is difficult for them to obtain the loans they need. College students are advised not to apply for loans in the first way.

Edit related products in this section.

Hengfeng bank Co., Ltd.-Standard Chartered Bank Personal Small Short-term Credit Loan-Harbin Bank Unsecured Personal Loan-Harbin Bank Personal Salary Guarantee Loan-Citibank Personal Credit Loan-Bohai Bank Happy Time Loan-Modern Time Loan.

Edit this preferential policy

Enterprise registration

1, the program is more simplified. Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can register in advance through the "green channel" in the registration halls 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 restricted and special business projects, special examination and approval procedures are allowed at the time of application. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit registration applications, capital verification reports and other major registration materials may first issue business licenses, so that they can complete relevant materials within 3 months as required. If the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted. 2. Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and replacement license fees), individual industrial and commercial households management fees and various certificate fees within 1 year from the date of approval of their operation. For those who join private associations, their membership fee 1 year will be exempted. For college graduates applying for high-tech enterprises (including limited liability companies), the minimum registered capital is 6,543,800 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The name of the application can be approved as "high technology", "new technology" and "high technology". College graduates who engage in community service and other activities will be exempted from industrial and commercial registration within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record, and will be exempted from various industrial and commercial management fees. Reminder: According to the staff of the Individual Department of the Provincial Administration for Industry and Commerce, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring the Employment Recommendation Form for College Graduates, graduation certificates and other relevant materials when going through the relevant procedures for starting their own businesses.

Financial loan

1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks. 2. Simplify the loan procedures. By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time. 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. In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. A number of banks have opened personal business loans for natural persons with permanent residence in cities and towns or valid residence status and age of 18. This kind of risky loan requires individuals to adopt mortgage loans, or real estate mortgage loans and secured loans.

pay taxes

College graduates who are engaged in self-employment shall be exempted from the tax registration certificate fee 1 year from the date when the business department approves their operation. Newly established urban employment service enterprises (except industries restricted by the state), where the number of unemployed people (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees, 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.

Enterprise operation

1. Staff recruitment and training enjoy free discounts. For enterprises founded by college graduates independently, within 0 years from the date of approval of their operation by the industrial and commercial departments, 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; 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 and exemptions; The talent intermediary service institutions affiliated to the government personnel department provide free training and evaluation services for entrepreneurial graduates and preferential treatment for entrepreneurial employees. 2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the talent intermediary service agencies affiliated to the government personnel administrative department will keep their personnel files (including social security, professional titles, file wages and other related procedures) for two years free of charge. 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.