Gansu College Student Entrepreneurship Loan Policy

1. Gansu College Student Entrepreneurship Loan Application Conditions:

1. College graduates or above;

2. Have not been employed for more than 6 months after graduation, and have registered as unemployed with the local labor and social security department;

3. When applying for this type of loan, there are three important points:

First, loan applicants must have a fixed residence or business location. Secondly, a business license and operating permit, stable income and the ability to repay principal and interest; thirdly and most importantly, the entrepreneur has a certain amount of his own funds for the project he invests in.

Only those who meet the above conditions can apply to the bank. The information required when applying mainly includes: proof of marital status, personal or family income and property status and other repayment ability documents; relevant agreements on the purpose of the loan. , contract; guarantee materials, ownership certificates and lists involving collateral or pledges, and mortgage (pledge) valuation reports issued by the bank's recognized appraisal department. In addition to written materials, there must be collateral. There are many types of mortgages, including movable and real estate mortgages, time deposit certificate pledges, securities pledges, highly liquid movable assets pledges, and qualified guarantor guarantees. The amount of payment is determined based on the specific guarantee method.

2. Preferential policies for entrepreneurial loans for college students in Gansu:

(1) Small loans can help you start a business

Gansu Province has introduced small loans for college students to start their own businesses As for the loan policy, the amount of small loans is generally controlled at around 20,000 yuan. For partnerships, the loan scale can be expanded based on the number of people and business projects. The loan term shall not exceed two years.

(2) Can enjoy preferential tax policies

For college graduates in Gansu Province who start their own businesses, work flexibly and engage in self-employment at the grassroots level, except for industries restricted by the state (construction, In addition to the entertainment and advertising industries, saunas, massages, Internet cafes, and oxygen bars), those engaged in self-employment can be exempted from registration and management administrative fees for three years, and enjoy relevant tax preferential policies.

(3) Registered capital can be injected in installments

College graduates who apply to start non-public enterprises with a registered capital of less than 500,000 yuan are allowed if their registered capital does not meet the prescribed standards. If injected in installments within two years, the initial capital injection can be relaxed to 10% of the minimum prescribed registered capital, and the minimum registered capital can be reduced to 30,000 yuan.

Learned from the Provincial Department of Human Resources and Social Security that Gansu plans to include all unemployed college graduates in the province who are willing to find employment into the scope of public employment talent services, and carry out real-name registration regardless of household registration. , strengthen vocational guidance and training and other measures, and strive to achieve the goal of every unemployed college graduate who is willing to find a job to be employed or participate in employment preparation activities within six months of graduation.

Unemployed college graduates who have left school will participate in employment within half a year

It is understood that there are 120,000 college graduates in Gansu this year. Adding to the accumulation over the years, There are about 180,000 people in need of employment, and the employment situation is grim. In accordance with national requirements, the Provincial Department of Human Resources and Social Security recently issued the "Notice on Implementing the Employment Promotion Plan for Unemployed College Graduates." Gansu will implement the Employment Promotion Plan for Unemployed College Graduates from this year. According to the plan, all unemployed college graduates who have left school and are willing to find employment in the province will be included in the scope of public employment talent services.

For those who are willing to find employment, provide employment information in a timely manner; for those who are willing to start a business, organize them to participate in entrepreneurship training, provide entrepreneurial services, and implement entrepreneurial support policies; for those who are temporarily unable to obtain employment, organize them to participate in employment internships and vocational training; and provide targeted employment assistance to college graduates who have difficulty finding jobs. Comprehensively use various policies, measures and service means to strive to enable every unemployed college graduate who is willing to find a job to find a job or participate in employment preparation activities within six months of graduation.

Provide assistance to college students who have left school and are not employed through real-name registration

The "Notice" requires that all public employment talent service agencies and grassroots public employment service platforms in Gansu, It is necessary to establish a special service window that is open to all college graduates who have left school and are not employed (including those whose household registration is not local). Unemployed college graduates who come to apply for jobs or seek services should be registered one by one, an information database should be established, and Handle job registration or unemployment registration procedures, and issue employment and unemployment registration certificates. At the same time, grassroots platforms should take the initiative to contact the graduates themselves or their families, and conduct at least one telephone interview or home visit for each unemployed college graduate registered with their real name.

Graduates who have difficulty finding a job will also receive targeted employment assistance. Unemployed graduates from zero-employment families, families with financial difficulties, and disabled and other employment difficulties are the key targets of assistance, and "one-to-one" career guidance and personalized employment services are implemented; for college graduates with physical disabilities, we cooperate with the Disabled Persons' Federation to Employers make key recommendations; and adopt measures such as key recommendations and public welfare job placement, and implement employment assistance policies such as social insurance subsidies and public welfare job subsidies.

Gansu's self-employment support policy breaks household registration restrictions

Provide "one-stop" entrepreneurial services such as policy consultation and project development to college graduates who are willing to start a business, and implement small guarantees Loans, interest discounts, settlement and other entrepreneurial support policies. For self-employed college graduates with real-name registration and non-local household registration, all localities must provide the same policy support as self-employed college graduates with local household registration, and strongly support college graduates who have left school and are not employed to engage in online entrepreneurship.

At the same time, public employment and talent service agencies at all levels provide targeted career guidance to all unemployed college graduates registered with their real names, carry out professional quality assessment, application simulation training and other activities, and carry out activities such as Provide for the implementation of relevant subsidy policies; develop training programs suitable for college graduates, and promptly release to the public a catalog of local government-subsidized training occupations (types of work). Launch the "Special Skills Employment Campaign for Unemployed College Graduates" across the province, mobilizing technical colleges and vocational training institutions to carry out targeted skills training.

Public employment and talent service agencies at all levels should extensively collect and timely publish job information, and provide employment information to college graduates who are willing to find jobs. In addition to carrying out targeted special recruitment and online recruitment activities, employment information will also be released through text messages, Weibo and other means for unemployed college graduates who have registered to apply for jobs. In addition, public employment and talent service agencies at all levels should provide a series of services such as file custody, personnel agency, social insurance processing and renewal free of charge to unemployed college graduates who have left school. Where conditions permit, free personnel and labor security agency services can be provided to unemployed college graduates who have left school and are employed in small and micro enterprises.

Policies for self-employment of college students in Lanzhou, Gansu

It was learned at the meeting of the Lanzhou City’s leading group on the employment of graduates from ordinary colleges and technical secondary schools that Lanzhou will open up channels and take multiple measures to create opportunities for universities and secondary schools. Create employment conditions for college graduates.

Fully implement the special plan of Gansu Province

Since this year, Gansu Province has invested 200 million to organize and implement the support for pure agricultural (pastoral) households with zero employment and ordinary college graduates or above

There are three special plans for employment, selecting general college graduates to teach in rural primary and secondary schools, and selecting medical general college graduates to work in township health centers. Gansu City requires that employment assistance for college graduates from disadvantaged families be strengthened. College graduates from disadvantaged families will be exempted from registration fees and physical examination fees during civil servant examinations and recruitment of personnel in public institutions. For college graduates who have returned to their place of origin without employment after leaving school, the personnel, labor and security departments of each county and district must find out the bottom line and provide free employment services. For college graduates who are registered as unemployed, the local labor and social security department will issue an "Employment and Unemployment Registration Certificate" free of charge, and it will be included in the local unemployment support policy system and enjoy relevant employment support policies. College graduates from employment difficulties and zero-employment families who meet the recruitment requirements for public welfare positions must be given priority to find employment, and social insurance subsidies and public welfare position subsidies shall be issued in accordance with regulations. Implement the employment placement plan for orphans and disabled college graduates of the Municipal Children's Welfare Home, adopt the method of mandatory planned placement, determine a certain number of positions in counties, districts and municipal institutions, and dispatch and distribute orphans and disabled graduates of the Municipal Children's Welfare Home to the county Employment in relevant public institutions affiliated to the district and city.

Encourage college graduates to work at the grassroots level

Continue to organize and implement employment programs such as "three supports and one support" and "entering villages (communities)" to select Aiyang School graduates to serve at the grassroots level. Projects, strictly follow the quota allocated by the province, and effectively organize the examination and selection work; when county and district institutions recruit staff, they mainly select from those who have completed the service period of "three supports and one support" and "entered the village (community)" and passed the annual assessment Selected from college graduates. When there are vacancies in the county public institutions, priority will be given to placing qualified graduates to work in public institutions. When recruiting civil servants and selecting public institutions, priority will be given to recruiting and hiring college graduates with grassroots work experience.

Support college graduates to enter enterprises

For enterprises to recruit non-local registered college graduates with a junior college degree or above, the settlement restrictions must be lifted. Enterprises that recruit qualified college graduates can enjoy relevant employment support policies in accordance with regulations. Labor-intensive enterprises that recruit registered unemployed college graduates and other urban registered unemployed people reach the prescribed proportion and sign labor contracts with them for more than one year can enjoy small guaranteed loan support policies of up to 2 million yuan in accordance with regulations. Encourage and guide college graduates to find employment in high-tech development zones, economic and technological development zones and high-tech enterprises, and strengthen the use, training and reserve of talents. During the period when college graduates participate in the project research, their household registration and files can be stored in the talent exchange center where the project unit is located or where the family was before enrollment. They can be renewed or find employment in other positions according to work needs. The length of service after employment will be combined with the working hours during the period of participating in the project research. Calculation, the payment period for participating in social insurance is calculated continuously.

Guide college students to start their own businesses

Provide one-stop services such as policy consultation, project development, entrepreneurship training, entrepreneurship incubation, small loans, entrepreneurship guidance, and follow-up counseling to college graduates. For college graduates who register as unemployed at the public employment service agency of the labor and social security department, receive an "Employment and Unemployment Registration Certificate", have the desire to start a business and participate in entrepreneurship training, the labor and social security department will provide vocational training subsidies in accordance with regulations. For college graduates who hold an "Employment and Unemployment Registration Certificate" and start their own business, they can apply for a small guaranteed loan within the limit of 50,000 yuan in accordance with relevant regulations and procedures. The loan period is up to 3 years. For those who operate partnerships and organize collective employment, The scale of loans can be appropriately expanded; for college graduates engaged in self-employment who meet the conditions, administrative fees such as management, registration, and certificates will be exempted for three years from the date of registration, and current tax policies will be implemented in accordance with relevant regulations. and support policies such as the arrangement of entrepreneurial business premises.