Step one: apply. Graduates should apply to the Municipal Personnel Bureau with various materials. Step two: preliminary review. The

Municipal Personnel Bureau is responsible for the pre-loan review of small loans, and reviews whether graduates meet the loan conditions and whether the loan application project is

a small loan financial subsidy and low-profit project. A recommendation form will be issued, and at the same time, graduates who apply for small guaranteed loans will be evaluated on their entrepreneurial abilities. Step Three: Review. It will be reviewed by the district/county (city) personnel bureau

and submitted to the district/county (city) guarantee agency for review. Step 4: Guarantee. The guarantee agency reviews the loan applicant's guarantee application and the counter-guarantee measures provided. Step 5: Approval. The handling bank, in conjunction with the district/county (city) personnel bureau and the guarantee agency, will jointly review the loan project and be responsible for the final review of the loan application

. If the loan is approved upon approval, the handling bank shall sign a guarantee contract with the guarantee institution, and at the same time sign a loan contract with the loan applicant. Step 6: Lending ■College graduates (including college majors, undergraduates, and graduate students) who are engaged in self-employment are exempted from self-employed loans for one year from the date of approval of operations. Registration fee, self-employed management fee, economic contract sample text production fee, etc. In addition, if you establish an informal enterprise, you only need to register with the district or county street where you are located, and you will be exempt from tax for 3 years. ■College students who start their own business can apply to the bank for a business loan guarantee of up to 70,000 yuan, and enjoy loan discounts. ■Hebei Province has established an entrepreneurship education and training center specifically for fresh college graduates, providing free project risk assessment and guidance to college students to help them better grasp market opportunities. . Approval is very slow, and payment is even slower! College graduates who apply for small-amount loan guarantees for independent entrepreneurship

must hold a "College Student Self-Employment Certificate." To apply for the "College Student Self-Employment Certificate", graduates need to bring the following materials to the Graduation Office of the Personnel Bureau for processing: 1. "Approval Form for Self-Employment Application for Graduates of Ordinary Colleges and Universities"; 2. Original and copy of graduation certificate; 3. Original and copy of personal ID card; 4. Registration certificate; 5. Two one-inch photos; 6. Personal files must be transferred to the Graduation Office of the Personnel Bureau .

The human resources department, together with the education department and the Youth League Committee, will conduct a preliminary review of the applicant’s basic conditions for applying for loan guarantee and issue the "Self-entrepreneurship Certificate". After the preliminary review, the relevant application materials will be submitted. Guarantee institutions at the same level will review the guarantee application. After the guarantee agency promises the guarantee, the education department will submit the applicant's relevant information to a commercial bank with a loan guarantee cooperation relationship for loan review. After the commercial bank approves the loan, it will sign a guarantee contract with the guarantee institution, sign a loan agreement with the loan applicant, issue the loan in a timely manner, and provide the applicant with the application form. "Certificate" indicates that a guaranteed loan has been processed.