If there are unsuitable loans, then there must be loans suitable for college students to start their own businesses, specifically:
Small discount loan for youth entrepreneurship
In recent years, local organizations have responded to the call of the Central Committee of the Communist Youth League to promote youth entrepreneurship in China, which is one of the important measures to support young people to set up small and medium-sized enterprises, and to help young entrepreneurs in urban and rural areas obtain small loans at preferential interest rates. Of course, college entrepreneurs also belong to young people. Go to the local youth league Committee for consultation. This youth employment and entrepreneurship service center, which integrates microfinance, entrepreneurship training and entrepreneurship guidance, has been set up in Jiangsu, Fujian, Zhejiang, Liaoning and other places.
There is no need for the mortgage of fixed assets, the guarantee of business owners and complicated procedures. As long as they are young people, as long as they pass the inspection, evaluation and recommendation of local organizations, college entrepreneurs will have the opportunity to obtain small loans of less than 654.38+10,000 yuan from banks, with more convenient loan procedures and more favorable interest rates.
Order pledge loan
That is, the letter of acceptance, trade contract or business and sales order of college students' self-employed entrepreneurs are used as collateral to apply for loans.
The premise of ensuring the smooth acquisition of order loans is that college entrepreneurs have orders with good credit. As long as the enterprise has the manpower, intelligence and material resources to complete the order, but the financial resources alone are insufficient, the bank will focus on evaluating the order project itself and give the order loan support. If the enterprises of college students' entrepreneurs have signed contracts with the leading enterprises in this industry, it first shows that the products or services of enterprises that need order loans have been recognized by the industry and have good prospects. Because the other company has a good reputation and abundant funds, the bank is almost certain that this order will bring good benefits to the enterprise, and the bank will certainly help it obtain loans.
Credit guarantee loan
Credit guarantee refers to a kind of financial support in which a legally established guarantee institution provides a guarantee for the debtor in the process of borrowing funds from the bank. When the debtor fails to perform the debt as agreed, the guarantee institution assumes the repayment responsibility as agreed in the contract, thus ensuring the realization of the bank's creditor's rights.