Preferential policies for college students' entrepreneurial loans:

1. College graduates start their own businesses within two years after graduation, and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital is less than 500,000 yuan, they can be put in place by stages. The initial capital shall not be less than 10% of the registered capital (the capital contribution shall not be less than 30,000 yuan). If the paid-in registered capital is increased to more than 50% within 1 year, the balance can be put in place by stages within three years.

2. With the approval of the tax authorities, enterprises newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years; Newly established enterprises engaged in transportation, post and telecommunications are exempt from enterprise income tax in the first year, and the enterprise income tax is halved in the second year;

Newly established enterprises engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residential service industry, catering industry, education and cultural undertakings and health undertakings are exempted from enterprise income tax for one year.

3. Banks should provide small loans for graduates who start their own businesses, simplify procedures and facilitate account opening and settlement. The loan amount is about 20,000 yuan. The longest loan period is 2 years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is five times that of the guarantee fund, and the term is the same as that of the loan.

Extended data:

Requirements for college students' entrepreneurial loans:

1. The applicant must be at least 18 years old, have legal and valid identity certificates and legal residence certificates at the place where the loan bank is located, and have a fixed residence or business premises;

2. The applicant must hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legitimate production and business activities, and have stable income and the ability to repay the principal and interest;

3. The applicant's investment projects must have certain self-owned funds;

4. The use of college students' entrepreneurial loans must comply with relevant national laws and bank credit policies;

5. Need to open a settlement account in the bank, and the operating income will be settled by the bank.

Baidu Encyclopedia-College Students' Venture Loan

Baidu encyclopedia-preferential policies and application requirements for college students' entrepreneurial loans