Query results: The staff of the Municipal Human Resources and Social Security Bureau replied: According to the regulations, college graduates applying for small-sum secured loans must meet the following conditions: 1, with Harbin hukou and permanent residence at the domicile; 2. The business project is located in Harbin city; 3. There are self-employed or self-operated projects; 4, engaged in service, commerce, small processing and other business projects, to have a relatively fixed business premises, venues, equipment, facilities and other conditions and can ensure the basic business needs of its projects. Meet the above conditions, the applicant can hold my ID card, household registration book, employment (loss) registration certificate (in the community where the household registration is located), business license, proof of business premises or lease contract, counter-guarantee materials and other materials required by the guarantee institution and the handling bank to apply to the community labor security workstation. Loan procedure: the first trial of the community labor security workstation where the project is located-the audit of the district labor security department-the audit of the municipal small loan guarantee center-the final trial of the handling bank to issue loans.