1, identification.
2. Ask students to provide student ID cards and school transcripts.
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 (if any): certificate of scholarship, certificate of class cadres, certificate of community activities, certificate of various honors/social rewards, such as blood donation and voluntary teaching.
6, college students' entrepreneurial loan applicants personal or family income and property status and other repayment ability documents.
7. Identity documents (including the original ID card, household registration book or other valid residence permit) and proof of marital status of college students' entrepreneurial loan applicants and their spouses.
8. 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.
9. The business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as the relevant agreements, contracts or other materials for the purpose of the loan.
Extended data
Preferential policies for college students' entrepreneurial loans are as follows:
I. Financial loans
1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans. For those who can provide effective asset mortgage (pledge) or quality customer guarantee, college graduates can be the main borrowers, and the guarantor can provide corresponding joint guarantee for the stable income or effective assets of their families or immediate family members.
2. Simplify the loan procedures. By simplifying the loan procedures, the credit loan amount will be determined reasonably in 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.
Second, the tax issue.
College graduates who are engaged in self-employment are exempted from paying the tax registration certificate fee 1 year from the date when the business department approves their operation. Newly-established urban employment service enterprises may be exempted from income tax for three years with the approval of the competent tax authorities if the number of unemployed people exceeds 60% of the total number of employees.
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.
Third, enterprise operation.
1. Staff recruitment and training enjoy free discounts. For enterprises independently founded by college graduates, free information on the supply and demand of talents and labor can be inquired on the websites of talent intermediary service agencies and public employment agencies affiliated to the administrative departments of personnel and labor security within 1 year from the date of approval by the industrial and commercial departments, and free recruitment advertisements can be released.
2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep their personnel files (including social security, professional titles, file wages and other related procedures) free of charge for two years.
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.
Baidu Encyclopedia-College Students' Venture Loan