College students' entrepreneurship loan is a kind of preferential loan for voluntary entrepreneurship within two years after graduation. In general, there are institutions in charge of this matter, such as the Youth League Committee or the Labor and Social Security Bureau. Go there to apply, because there are fewer loans and more applicants, and you need better projects to get support. No, you go and have a look. If you can't get it, banks now have entrepreneurial loans, such as small-scale entrepreneurial loans from the Postal Savings Bank, which can provide mortgage loans or joint guarantee loans. Other big banks also have them. In the process of starting a business, many of you can easily get loans, such as buying machinery and equipment. As long as you can provide a down payment, you can get the rest of the loan. You can get some loans from rural credit cooperatives to buy fertilizers and seeds.

Second, what are the conditions for college students' loans?

1. National student loan: It must be a college student who has reached the age of 18, has good conduct and good credit, and must also meet the conditions that the family situation is difficult and cannot afford the basic expenses such as tuition, living expenses and accommodation required for studying and living in school.

2. Entrepreneurship loans for college students: college graduates or above who have studied and graduated within two years. Applicants must be at least 18 years old. In addition, hard work, correct learning attitude, honesty and law-abiding are also one of the necessary conditions for application.

3. Online loan for college students: First of all, it must be a college student who has reached the age of 18. Secondly, they must have a good credit record and good conduct. The remaining conditions depend on the type of loan.

Generally speaking, there are three kinds of loans that college students can borrow: national student loans, college students' entrepreneurial loans and college students' online loans. Please refer to the above contents for specific application conditions, or consult relevant loan financial institutions.

3. What are the requirements for college students' loans?

The threshold for loans was rapidly lowered, and all procedures were completed in one stop.

Compared with the old policy more than a year ago, the new policy of college students' self-employment loans has indeed made great progress. The Ministry of Education expressed the hope that this improvement will encourage more college students to enter the ranks of self-employment.

"One-stop" formalities

After graduating from college, Cheng Yan accidentally learned that college students can get loans for starting businesses, so he consulted relevant departments. But at that time, many departments only knew how to give loans to laid-off workers and didn't know what it was like to start their own business. As the procedures of relevant departments are still in the exploratory stage, the road to loan in Cheng Yan is doomed to be not very smooth from the beginning. Cheng Yan said: "The relevant departments themselves don't know the application procedure, and I printed the form myself. After running back and forth for more than a month, the light transportation cost was 100 yuan. "

Policy change: Shenyang will establish a "one-stop" green channel service for approval, guarantee and loan issuance in various regions, improve the professional quality of enterprise managers, and provide more convenient and efficient services for college students' entrepreneurship. The loan amount was changed from 20,000 to 50,000.

[Reviving the past]: Cheng Yan didn't start from scratch. The drugstore he runs now is run by several relatives in partnership. After several years of operation, they hope that Cheng Yan, who just graduated, will continue to do so, which also provides him with a certain economic foundation. Cheng Yan said that without this material guarantee, he would definitely not be able to run the drugstore with a loan of 20,000 yuan. However, the relevant policies stipulate that the maximum loan amount per person is 20,000 yuan, which is not enough for college students who really start their own businesses.

Policy change: The new policy gives more favorable conditions in terms of loan amount, term and discount. The maximum loan amount can be extended to 50,000 yuan. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The discount interest funds undertaken by the local government shall be subsidized by the municipal finance at 60%.

Counter-guarantee is gradually cancelled.

"Bring up the past": The procedure is complicated and the amount is limited, but I still won't talk about it. The guarantor's problem almost made Cheng Yan give up. The original loan policy made quite strict requirements on the qualifications and conditions of loan guarantors. After careful consideration, Cheng Yan decided to use his parents' salary as a guarantee. He couldn't help wondering: "If both parents are farmers and college students, what kind of guarantee can be provided? "

According to a staff member of Shenyang Branch of China Construction Bank, for college students with certain capital, experience and management ability, their loan request can be considered with reference to the scale of operation, and some college students are encouraged to start their own businesses through this form. But in order to control risks, banks must require borrowers to have reliable guarantors and certain capital.

Policy change: the establishment of loan guarantee fund and the cancellation of counter-guarantee are to some extent the adjustment of credit guarantee and other issues by the new policy. The new policy stipulates that governments at all levels should increase the scale of loan guarantee funds, and the handling banks should give full play to the amplification effect of loan guarantee funds, and the balance of loan liabilities should not exceed five times the balance of loan guarantee funds; Establish a compound sharing mechanism for loan guarantee fund to compensate losses. When the loan is lost, the handling banks will compensate 80% from the loan guarantee fund deposited in the bank, and the handling banks will share 20%.