Here is a brief introduction to the banks and other channels that Bian Xiao can lend:
1. Banks that can choose loans:
Many banks, such as China Everbright Bank, Bank of Communications and Minsheng Bank, have college students' entrepreneurial loans.
2. There are several ways to handle college students' entrepreneurial loans:
(1) Small loan guarantee centers or employment agencies all over the country. In order to encourage college students to start their own businesses, local governments have introduced preferential policies for college students' entrepreneurial loans, including government interest subsidies and increasing loan quotas. Applying for a startup loan in this way requires a guarantee.
(2) bank loans. Borrowers can apply for personal business loans in banks, with a large loan amount and flexible loan methods, and can obtain loans through mortgage, pledge and guarantee.
(3) Small loan companies or guarantee companies. The threshold for starting a business loan through such companies is lower, and the next payment is faster, but the financing cost is higher. In addition to interest, you have to pay certain procedures.
As can be seen from the above introduction, almost all banks support college students' entrepreneurial loans, and all of them implement the unified policies issued by the state and are guaranteed by preferential policies provided by the government. The state gives discount to college students' entrepreneurial loans, so it is the most economical and secure loan method. If you apply for a loan through a loan company, it is fast, but the interest you have to bear is high.