At present, the employment of college students faces many challenges, which describes the severe employment situation of college students. Yin Mei, a member of CPPCC, paid attention to the Fourth Session of the Tenth National Committee of CPPCC. She suggested that the government should support and guide college students' entrepreneurship, build a college students' entrepreneurship system, and ease the employment pressure in our province. In 2008, the State Council forwarded the "Notice on Guiding Opinions on Promoting Entrepreneurial Employment" issued by the Ministry of Human Resources, and put forward that the implementation of active employment policies to fully promote entrepreneurial employment and encourage, support and help college students to start businesses is an important content, which is not only conducive to broadening employment channels for college students and creating more jobs for the society, but also conducive to promoting the development of small and medium-sized enterprises and stimulating the vitality of economic growth. Yin Mei suggested that the government should give some guidance to college students. The fund can be determined according to the student's application plan and the amount of inter-student funding from relevant departments. At present, Beijing, Chongqing, Liaoning and other cities are holding small-scale entrepreneurial loans, and the entrepreneurial business in our province supports college students' entrepreneurship. At the same time, the relevant departments should further simplify the administrative procedures for starting a business, lower the threshold of preparation procedures, and provide all kinds of support for graduates to start a business as much as possible, such as the policy of exemption from registration, management and licensing. Yin Mei also suggested that government departments should establish a service system for college students' entrepreneurship, actively create an atmosphere of self-employment, and establish permanent institutions for college graduates' entrepreneurship services, such as entrepreneurship training, policy consultation, project demonstration, entrepreneurial procedures handling, project tracking service and follow-up support, to help solve the problems of college students' technology and experience, to be a good helm for college students' employment, and to help them identify entrepreneurial projects. By setting up college students' entrepreneurship association or opening up an exchange platform for college students, it is beneficial to communicate and help each other and explore the confusion in the process of entrepreneurship.

Second, how do college students apply for business loans?

How do college students apply for venture loans? Entrepreneurship of college students has become a new phenomenon, and more and more college students are keen on entrepreneurship. The government has set up a college student entrepreneurship loan to promote college students' entrepreneurship. How do college students apply for venture loans? What is the method for college students to apply for business loans?

One. bank

Banks are the most common venture financing channel, but their application threshold is high, and many college students are rejected because they do not meet the requirements. Borrowers in need can consider the second channel.

Second, the government.

College graduates start their own businesses within 2 years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurs are located. If the registered capital (capital) is less than 500,000 yuan, installment payment is allowed. The capital paid for the first time is more than 65,438+00% of the registered capital (the capital contribution is more than 30,000 yuan), more than 50% of the registered capital is paid in 65,438+0 years, and the balance is paid in installments within 3 years.

Three. Lending institution: the lending institution designated by the policy.

The so-called free entrepreneurial loans for college students are preferential entrepreneurial loans supported by local policies. This support policy is generally led by the Employment Bureau, the Ministry of Finance and other relevant departments, and cooperates with designated financial institutions to provide financial support for college students' entrepreneurial projects that meet the requirements within their jurisdiction. This kind of loan is usually guaranteed by the relevant government departments and even supported by discount interest.

Lending institutions: banks, small loan companies, etc.

Loan method 1: mortgage loan.

If you have your own property or other people's property to mortgage, you can apply for mortgage loans from banks and other institutions. The maximum loan amount can reach 80% of the house value.

Loan Method 2: Guaranteed loan.

At present, college graduates with insufficient repayment ability can obtain loans through a third party with repayment ability.

Loan Method 3: Unsecured loan

The income of students who work after graduation is relatively stable, which can provide bank running water. If they have a good reputation, they can apply for unsecured loans from banks and companies and use the loan funds to start a business.

Fourth, P2P online lending platform.

With the development of network finance, the emerging P2P online lending platform can also provide loan business. If you need funds, P2P online lending platform is a good choice. P2P online lending is fast, the review is looser than that of banks, and the repayment method is convenient. However, please pay attention to finding a formal P2P online lending platform.

Third, how do college students apply for business loans?

Step 1: Apply. Graduates apply to the Municipal Personnel Bureau with all kinds of materials.

The second step: preliminary examination. The Municipal Personnel Bureau shall be responsible for the pre-loan audit, and review whether the graduates meet the loan conditions and whether the loan application projects belong to financial discount and meager profit projects and issue a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.

Step 3: Review. After examination by the county (city) Personnel Bureau, it shall be submitted to the county (city) guarantee institution for examination.

Step 4: Guarantee. The guarantee institution shall examine the loan applicant's application for guarantee and the counter-guarantee measures provided.

Fourth, how to apply for college students' entrepreneurial loans?

1. Attend the entrepreneurship training for college students organized by the local labor department and pass the exam. 2. Pass the examination of college students' entrepreneurship; 3. Submit a complete project plan; 4. Fill in a complete registration form; 5. Have the guarantee conditions; 6. Submit all materials to the local labor and social security department.