Sichuan waved the "tangible hand" to implement macro-control, and through a series of policy innovations, it has shaken the lever for graduates to face grassroots employment. "We just want the government's power to directly affect the graduate committee and organization minister Wei Hong through policies, and tell the original intention of the policy designers. With the help of the central government's document 18, Sichuan has made new measures, sought practical results and solved urgent needs, formulated the implementation opinions of guiding employment at the grassroots level, and 2 1 policies and measures were strongly promulgated. The degree of policy is very large. The "Implementation Opinions" put forward six preferential policies, such as household registration and personnel agency, employment service and social security, repayment of scientific and technological life and preferential treatment for postgraduate entrance examination, and preferential treatment for self-employment. Regulations: Graduates who are employed at the grassroots level can leave their hukou in their original place of residence, "providing employment guidance, job introduction and other services; Incorporate into the selection scope of science and technology commissioners, and give priority to science and technology projects and financial support; Party and government organs at or above the county level are inclined to recruit civil servants, and the written test score will be increased by 1 year for every full working years; Free of foreign languages and computers working in towns and villages; Explore the implementation of student loan compensation and targeted employment priority allocation plan admission places; Entrepreneurship in rural areas gives priority to agricultural loan funds, and so on. " With these policies, we are sure to make a difference at the grassroots level. "Southwest finance was overjoyed. Project guidance: build a bridge for graduates to enter the grassroots level and promote it on a large scale. The government will come forward to build a "fast lane" for both the supply and demand sides and build the intellectual advantage of the group at the grassroots level. Starting from 2006, the school will play a fundamental role in the market allocation of graduate talent resources, and at the same time implement seven guiding projects to basically achieve the goal of "every student" within five years. Among them, the "College Student Service Village Residence Plan" mainly selects posts in village (neighborhood) committees and introduces graduates' volunteer service; The "Candlelight Program" in primary schools mainly attracts graduates to serve in various primary education and training institutions; Primary hospital "Angel 0" graduates went to primary health centers (institutes); The "5000-person plan" will work in three customs and institutions and prepare in turn; "College Students Volunteer Service in the West" will add 100 candidates every year; The scale of Selected Graduates will also expand year by year; "Basic Employment Skills Training Project" will effectively solve the problem of graduates' "inadaptability". Establish 500 employment trainee bases. A series of "package" documents have also been fully implemented, and the implemented projects have achieved fruitful results: 7 13 people went to towns and villages to exercise with the full cooperation of relevant provincial departments; 16 applicants for the western volunteer program have gone to various places; Selected Graduates has also expanded to 1000. Chengdu, Ziyang and other cities started the "one college student in one village" plan ahead of schedule? Interest incentives: Let graduates be both dedicated and affordable. " Liu Yunxia, deputy director of the Organization Department of the Grassroots Absorption Committee, grasped the main crux: "Let students have a dry start and a good start." Sichuan stipulates that those who are employed at the grassroots level can raise their salary levels; If the service reaches a certain period, the principal and interest of the student loan shall be compensated by the state; If you start a business at the grassroots level, you can get the support of "venture capital for college graduates"; Those who participate in the "one village, one residence, one college student plan" and engage in voluntary service in ethnic areas will be given a monthly subsidy of 1000 yuan; Volunteer in other areas and give 600 yuan a monthly subsidy; Colleges and universities give one-time subsidies to graduates who work at the grassroots level, especially in the tri-state area. Cities (states) are not to be outdone in the battle for talents, and have introduced "favorable" policies. Yibin, Suining, Panzhihua and other places stipulate that doctors and masters will be given a monthly subsidy of 500-800 yuan, and undergraduates who work at the grassroots level will be given a high salary of 2-3 grades; Ganzi Tibetan Autonomous Prefecture, which has financial difficulties, has paid more than 3 million yuan in subsidies for the introduction of talents. Enterprise registration 1, the procedure is more simplified. Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted. 2. Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". College graduates engaged in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record. Reminder: According to the staff of the Individual Department of the Provincial Administration for Industry and Commerce, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring the Employment Recommendation Form for College Graduates, graduation certificates and other related materials when going through the relevant procedures for starting their own businesses. Financial loan: 1, priority loan support, appropriate credit loan. Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks. 2. Simplify the loan procedures. By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time. 3. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate. Reminder: Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other relevant persons in Rong Bank all said that at present, the bank has not started the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person from the office of CITIC Industrial Bank Fuzhou Branch said that banks should consider the security of funds while pursuing the profitability and liquidity of funds. Compared with other loans, college graduates' self-employment loans are risky. College students have just graduated, lack social work experience, and have no suitable collateral or guarantee. Banks generally do not lend easily. Another person in the industry also said that even if college students have suitable projects at hand, this is only an individual phenomenon. As an enterprise, the input cost and income of such loans issued by banks are not proportional. In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. The reporter learned that at present, many banks in Rong have opened personal business loans for natural persons who have permanent residence in cities and towns or valid residence status and have reached the age of 18. This kind of risky loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans. In terms of tax payment, all college graduates who are engaged in self-employed business are exempt from paying the tax registration certificate fee within 1 year from the date when the business is approved by the industrial and commercial department. Newly established urban labor and employment service enterprises (except industries restricted by the state), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees, may be exempted from income tax for 3 years with the approval of the competent tax authorities. After the expiration of the tax exemption period for labor employment service enterprises, if the newly placed unemployed persons account for more than 30% of the total number of original employees of the enterprise in that year, the income tax may be halved for 2 years with the approval of the competent tax authorities. In terms of business operation, 1, employees can enjoy free discounts on employment and training. For enterprises founded by college graduates independently, they can inquire about the supply and demand information of talents and labor force and publish job advertisements free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the government personnel and labor security administrative departments within 1 year; Participate in talent recruitment fairs or talent service exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative department of personnel and labor security of the government, and give appropriate fee reductions; The talent intermediary service agencies affiliated to the personnel department of the government provide free training and evaluation services for graduates who start enterprises, and provide preferential treatment for employees who start enterprises. 2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep their personnel files (including social security, professional titles, file wages and other related procedures) free of charge for two years. 3. There are separate channels to participate in social insurance. Self-employed college graduates can apply for social insurance at the individual payment window set up by social insurance agencies at all levels. The graduates of national colleges and universities (hereinafter referred to as college graduates) are valuable human resources in China. At present, affected by the international financial crisis, the employment situation in China is very severe, and the employment pressure of college graduates is increasing. All regions and relevant departments should put the employment of college graduates in the first place in the current employment work, take practical and effective measures to broaden employment channels, encourage college graduates to work in urban and rural grassroots, central and western regions and small and medium-sized enterprises, encourage self-employment, and encourage key enterprises and scientific research project units to absorb and stabilize the employment of college graduates. In order to further strengthen the employment of college graduates, with the consent of the State Council, relevant issues are hereby notified as follows: 1. Encourage and guide college graduates to work at the grassroots level in urban and rural areas. Encourage college graduates to actively participate in the construction of new socialist countryside, urban community construction and enlistment. Focusing on grass-roots social management, public services, production services, life services, rescue services and other fields, we will vigorously develop grass-roots social management and public service posts suitable for college graduates' employment, and guide college graduates to work at the grassroots level. For college graduates engaged in social management and public service in rural grass-roots units and urban communities who meet the employment conditions of public welfare posts and are employed in public welfare posts, social insurance subsidies and public welfare post subsidies shall be given in accordance with the current national employment promotion policies, and the required funds shall be charged from the special employment funds; Those who are employed in other social management and public service posts in rural grass-roots units and urban communities are given wages or living allowances, and the required funds are solved according to existing channels, and at the same time, they are required to participate in relevant social insurance. For college graduates who are employed in rural grass-roots units below the county level in the central and western regions and hard and remote areas and who have performed a certain period of service, as well as college graduates who have been recruited for compulsory military service, corresponding tuition fees and student loan compensation shall be implemented according to regulations. For college graduates with grassroots work experience, priority should be given to postgraduate recruitment and institution selection, and the proportion of civil servants should be further expanded when the party and government organs at or above the prefecture level recruit civil servants. We will continue to implement and improve special projects for grass-roots employment and expand the scope of the projects. Relevant departments continue to strengthen the organization and leadership of relevant projects, and the provincial people's government is responsible for the policy convergence between grassroots employment projects. In 2009, the relevant departments of the central government continued to organize and implement projects such as "sending college graduates to work in villages", "three supports and one support" (supporting education, agriculture, medicine and poverty alleviation), "Volunteer service plan for college students in the western region" and "special post plan for school teachers in rural compulsory education stage". All localities should also carry out local projects according to local conditions to encourage and guide more college graduates to register. College graduates are encouraged to stay in local employment after the end of the project, and all the corresponding natural attrition vacancies will employ college graduates whose service expires in the future. Give living allowance to college graduates who participate in the project, and the required funds will be solved according to the current funding channels, and at the same time participate in relevant social insurance according to regulations. The measures for the connection of special project-related treatment policies shall be separately studied and formulated by Ministry of Human Resources and Social Security, Ministry of Finance, Ministry of Education, Organization Department of the Central Committee and the Central Committee of the Communist Youth League. Second, encourage college graduates to work in small and medium-sized enterprises and non-public enterprises. Small and medium-sized enterprises and non-public enterprises are the main channels for college graduates to obtain employment. It is necessary to further clear up the institutional obstacles and restrictions that affect the employment of college graduates, and provide college graduates with services such as file management, personnel agency, social insurance handling and connection, professional title evaluation, and rights protection, so as to form a social environment conducive to college graduates' employment in enterprises. For enterprises to recruit non-local registered college graduates, all localities and cities should cancel the restrictions on settlement (municipalities directly under the Central Government shall implement them according to relevant regulations). Enterprises that recruit qualified college graduates can enjoy relevant employment support policies according to regulations. Small labor-intensive enterprises that employ registered unemployed college graduates in cities and towns and other registered unemployed persons to reach the prescribed proportion can enjoy the support of small secured loans of up to 2 million yuan according to regulations. Three, encourage key enterprises and scientific research project units to actively absorb and stabilize the employment of college graduates. Encourage large and medium-sized state-owned enterprises, especially innovative enterprises, to create conditions to attract more college graduates with technical expertise to find jobs. Give full play to the role of high-tech development zones, economic and technological development zones and high-tech enterprises in attracting the employment of college graduates, and strengthen the training, use and reserve of talents. In implementing the work of supporting difficult enterprises to stabilize the workforce, all localities should guide enterprises not to lay off employees or lay off fewer employees, and retain more technical backbones of college graduates. Enterprises with difficulties that meet the requirements can be given social insurance subsidies or post subsidies within 6 months in 2009 according to regulations, which will be paid by the unemployment insurance fund; Difficult enterprises to carry out on-the-job training, according to the provisions of financial subsidies. Units undertaking major national and local scientific research projects should actively hire outstanding college graduates to participate in the research, and their labor expenses and related social insurance premium subsidies shall be charged from the project funds according to regulations. The specific measures shall be studied and formulated by the departments of science and technology, education and finance. During the period of college graduates participating in the project research, their accounts and files can be stored in the talent exchange center where the project unit or family members are located before entering the school. After the expiration of employment, employees can be renewed or employed in other positions according to their work needs. The length of service after employment is combined with the working time during the project research period, and the social insurance payment period is calculated continuously. Four, encourage and support college graduates to start their own businesses. Encourage colleges and universities to actively carry out entrepreneurship education and practical activities. For college graduates who meet the requirements of self-employment, administrative fees are exempted, existing preferential tax policies and business place arrangements are implemented, and employment of the disabled, re-employment of laid-off workers and development of small and medium-sized enterprises and high-tech enterprises are encouraged. Unemployed self-employed college graduates registered in local public employment service agencies may apply for a small secured loan of not more than 50,000 yuan if their self-raised funds are insufficient; For partnership and organized employment, the scale of loans can be appropriately expanded according to regulations; Those who engage in low-profit projects stipulated by the local government can enjoy discount support as required. For college graduates who are willing to start a business, vocational training subsidies are given in accordance with regulations. Strengthen the entrepreneurial guidance service for college graduates and provide "one-stop" services such as policy consultation, project development, entrepreneurial training, entrepreneurial incubation, business guidance and follow-up counseling. All localities should build and improve a number of college students' pioneering parks and business incubation bases with small investment and quick results, and give relevant policy support. Encourage and support college graduates to find jobs flexibly in various forms and protect their legitimate rights and interests. Those who meet the requirements can enjoy the social insurance subsidy policy. Five, strengthen the employment service and employment guidance for college graduates. Give full play to the role of human resources market in allocating resources and strengthen the function of public employment service. Departments of human resources, social security, education and universities should strengthen cooperation, adopt various ways such as online recruitment, special recruitment, supply and demand fairs, and employers entering the campus, and vigorously carry out a series of employment services for college graduates, so as to provide more, faster and better free employment information and various employment services for college graduates this year. Colleges and universities should strengthen employment guidance for college students, offer employment guidance courses as compulsory courses, and focus on helping graduates understand employment policies, improve job-seeking skills and adjust employment expectations. Strengthen the construction of employment guidance service institutions in colleges and universities, and implement personnel, venues and funds. Strengthen the management of human resources market, crack down on illegal activities, strengthen the security of recruitment activities, and safeguard the employment rights and interests of college graduates. Sixth, improve the employability of college graduates. Vigorously organize internship practice for the purpose of promoting employment, and ensure that college graduates can participate in internship practice activities before leaving school. Improve the internship system for unemployed college graduates who have left school, and encourage trainee units to give priority to recruiting trainee college graduates. During the probation period, the probation unit and the local government provide basic living allowances. Expand a number of employers with strong social responsibility and standardized management as internship bases for college graduates. Since 2009, it has taken three years to organize 1 10,000 unemployed college graduates to participate in internships. Strengthen the skills training of students in higher vocational colleges, implement the "double certificate" system of graduation certificate and vocational qualification certificate, and strive to make qualified fresh graduates of related majors obtain corresponding vocational qualification certificates through vocational skill appraisal. According to the needs of college graduates, the human resources and social security department provides special or other forms of vocational skill appraisal services, and the education department and colleges and universities should actively cooperate. College graduates who meet the conditions of people with employment difficulties shall be given identification subsidies according to regulations. Seven, strengthen the employment assistance for difficult college graduates. For college graduates from poor families, colleges and universities can give appropriate job-seeking subsidies according to the actual situation. When recruiting civil servants and public institutions, organs at all levels are exempt from registration fees and medical examination fees for college graduates from poor families. For college graduates who have not returned to their original places after leaving school, the local public employment service agencies should find out the base, provide free services such as policy consultation, career guidance, career introduction and personnel file keeping, and organize them to participate in employment internships, vocational skills training and other activities to promote employment. For registered unemployed college graduates, all localities should incorporate them into the local unemployment support policy system. For college graduates with employment difficulties and college graduates from zero-employment families, we will implement one-on-one vocational guidance, focus on recommending employers, public welfare job placement and other assistance measures, and implement employment assistance policies such as social insurance subsidies and public welfare job subsidies according to regulations. Eight, strengthen leadership, clear responsibility. All localities should strengthen the organization and leadership of the employment of college graduates, incorporate the employment of college graduates into the overall local employment planning, make overall arrangements, determine the objectives and tasks, implement the target responsibility system, and strengthen work assessment and supervision. All relevant departments should give full play to their functions and responsibilities. Human resources and social security departments at all levels should take the lead in formulating and implementing employment policies for college graduates, and do a good job in employment guidance and employment services for college graduates after leaving school. The education department should guide colleges and universities to strengthen employment guidance and services for students and continue to deepen the reform of higher education. The financial department shall, according to the employment situation and actual needs of college graduates, make overall arrangements for funds to promote the employment of college graduates. Other relevant departments should conscientiously perform their duties, strengthen coordination and cooperation, and jointly promote the work. We should vigorously promote the employment of college graduates, guide them to establish a correct concept of employment and success, and form a good public opinion environment for the whole society to promote the employment of college graduates through multiple channels. All localities should, in accordance with the requirements of this circular and in light of local conditions, formulate effective policies and measures, creatively carry out their work, and do everything possible to promote the employment of college graduates. General Office of the State Council, People's Republic of China 1 month 19, 2009

Second, how much can a college student's entrepreneurial loan be borrowed? How much is the interest? What are the procedures?

Enterprise registration

1, the program is more simplified. Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For sexual and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted.

2. Reduce various expenses. Except for ethnic industries, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". College graduates engaged in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record.

Reminder: According to the staff of the Individual Department of the Provincial Administration for Industry and Commerce, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring the Employment Recommendation Form for College Graduates, graduation certificates and other related materials when going through the relevant procedures for starting their own businesses. Financial loan

1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks.

2. Simplify the loan procedures. By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time. 3. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate.

Reminder: Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other relevant persons in Rong Bank all said that at present, the bank has not started the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person from the office of CITIC Industrial Bank Fuzhou Branch said that banks should consider the security of funds while pursuing the profitability and liquidity of funds. Compared with other loans, college graduates' self-employment loans are risky. College students have just graduated, lack social work experience, and have no suitable collateral or guarantee. Banks generally do not lend easily. Another person in the industry also said that even if college students have suitable projects at hand, this is only an individual phenomenon. As an enterprise, the input cost and income of such loans issued by banks are not proportional.

In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. The reporter learned that at present, many banks in Rong have opened personal business loans for natural persons who have permanent residence in cities and towns or valid residence status and have reached the age of 18. This kind of risky loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans.

pay taxes

College graduates who are engaged in self-employment are exempted from paying the tax registration certificate fee 1 year from the date when the business department approves their operation. Newly established urban employment service enterprises (except national industries), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees of the enterprise, may be exempted from income tax for 3 years with the approval of the competent tax authorities. After the expiration of the tax exemption period for labor employment service enterprises, if the newly placed unemployed persons account for more than 30% of the total number of original employees of the enterprise in that year, the income tax may be halved for 2 years with the approval of the competent tax authorities.

Enterprise operation

1. Staff recruitment and training enjoy free discounts. For enterprises founded by college graduates independently, they can inquire about the supply and demand information of talents and labor force and publish job advertisements free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the government personnel and labor security administrative departments within 1 year; Participate in talent recruitment fairs or talent service exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative department of personnel and labor security of the government, and give appropriate fee reductions; The talent intermediary service agencies affiliated to the personnel department of the government provide free training and evaluation services for graduates who start enterprises, and provide preferential treatment for employees who start enterprises.

2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep their personnel files (including social security, professional titles, file wages and other related procedures) free of charge for two years. 3. There are separate channels to participate in social insurance. Self-employed college graduates can apply for social insurance at the individual payment window set up by social insurance agencies at all levels.

Third, how much interest does the venture loan pay?

There has been a change in the discount loan policy for starting a business (taking Shenzhen as an example)

1.202 1, adjustment of government discount loan policy. The maximum quota for non-Shenzhen customers is adjusted to 300,000, the maximum quota for Shenzhen customers is 600,000, and the maximum quota for high-level talents is 654.38+00,000.

2.202 1 cancel the full discount, the annualized interest of the venture loan is 4.35%, the government financial discount is10.5%, and the total interest after discount is 2.85%.

For example, if the loan is 300,000 yuan, the three-year interest will total 39 150 yuan, the one-year interest will be 13050 yuan, and the monthly interest will be 1087.5 yuan. After three years, the principal will be repaid, and the government will return 13500 yuan.

1. Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or has been engaged in production and operation, applies for the capital demand for starting or re-starting, and is recognized as an effective guarantee by the bank.

4.202 1 what is the loan interest rate of college students' innovation and entrepreneurship bank?

Eligible college students can get a single loan of up to 65,438+10,000 yuan according to their personal resources and repayment ability; The interest rate of college students' entrepreneurial loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and college students' entrepreneurial loans launched in many areas can also enjoy a 60% discount from the government.