College students need to meet the following conditions before they can apply for an interest-free loan for starting a business. First, 18 years old and above, with the applicant's valid ID card and the legal residence certificate of the place where the loan bank is located, and a fixed residence or office space; Second, it is necessary to engage in legal production and operation projects, have a business license issued by the local industrial and commercial bureau, and have stable income and repayment ability; Third, the loan applied for conforms to laws and regulations and bank credit regulations; Fourth, the project applying for a loan needs liquidity, and at the same time, it needs to open a settlement account with the loan bank, and the operating income after the project starts must be settled by the bank. After meeting the appeal conditions, the applicant may apply to the Personnel Bureau of the place where the loan project is applied with relevant materials. After the materials pass the preliminary examination, the Personnel Bureau will inform the applicant to fill in the recommendation form and evaluate the applicant's entrepreneurial ability. Then take the information to the personnel bureau where the applicants are located for a second interview. After the review, the local personnel bureau will inform the local guarantee institution of the audit results, and the guarantee institution will provide guarantee for the applicant after accepting it; Finally, the applicant takes the information back and submits it to the loan bank for approval. Lend money after approval.

Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

Article 14 The loan investigation includes but is not limited to the following contents: (1) Basic information of the borrower; (2) The income of the borrower; (3) the purpose of the loan; (4) The source, ability and method of repayment of the borrower; (5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.