Whether to apply for government entrepreneurship loans or to apply for personal entrepreneurship loans from banks depends on the actual situation of individuals. Generally, bank loans attach great importance to the borrower's work, income and whether there is real estate mortgage. As a preferential measure to support entrepreneurship, government entrepreneurship loans are generally handled by the local labor and social security bureau and commercial banks. The government provides guarantee for venture loan applicants. Borrowers don't need to provide collateral and proof of income, for example, unemployed people and returning migrant workers can apply, and the loan interest rate is relatively low, and there are even interest-free concessions.