Steps/methods
Prepare documents
Certificates include: employment and unemployment registration certificate issued by the labor and social security department, certificate of retired military personnel issued by the army, graduation certificate of college students, certificate of losing land or certificate of returning home to start a business issued by the township (street) labor and social security station.
Submit a petition
Put forward to the community labor security service center or township labor security station where I started my business.
fill in a form
Fill in the application approval form for promoting employment with small secured loans (in duplicate).
Pass the preliminary examination
Labor and social security institutions shall conduct preliminary examination, and those who pass the preliminary examination shall be recommended to guarantee institutions at or above the county level.
Pass the examination
Guarantee institutions review the qualifications of loan targets, review their re-employment projects, sign opinions, and provide "Evaluation Opinions on Small Guaranteed Loan Projects for Promoting Employment".
apply for loan
The applicant applies for a loan from a commercial bank with the above information. Commercial banks should complete the loan investigation and review procedures within 10 working days from the date of receiving the loan application, and timely issue loans in line with the loan conditions; For those who do not meet the loan conditions, timely feedback and explain the reasons.
Matters needing attention
Pay attention to personal loan conditions when applying for such loans. There are three important application conditions for college students' entrepreneurial loans: First, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds.
I hope it helps you!
Second, how to borrow the qualification certificate for college students' entrepreneurship?
1, unemployed for more than 6 months after graduation, and registered with the local labor and social security department.
2. College degree or above
Application process:
1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;
2. review. The personnel bureau, together with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to the factors of industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and approve the discount amount;
3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the applicant's unit or community, and the publicity period shall be 5 working days.
Third, who knows how to handle the entrepreneurial loan for college students in Bayannaoer, Inner Mongolia? The specific procedures and procedures are urgent! ! !
For college graduates' entrepreneurial loans, please refer to Harbin. For other areas, please consult the local human resources and social security departments.
(1) University graduates should go to the local industrial and commercial bureau to apply for a business license with their business start-up certificates.
(2) College graduates applying for loans shall register in the community where the business premises are located with employment education certificates and guarantee materials, and fill out the application form for starting a business.
One: The author who works in the corresponding state organ or institution can guarantee or be a guarantor who can issue a real estate license, or the bank deposit with a loan amount exceeding the loan amount can choose to guarantee.
(4) After being approved, it shall be submitted to the human resources and social security department of the community for approval.
(5) Those who meet the examination and approval conditions shall be examined and approved by the district human resources and social security department to Harbin Financial Guarantee Center.
(6) After examination and approval by the financial guarantee center, the loans will be issued after examination and approval by Lida Branch of Harbin Bank.
Note: Materials required for application.
(1) Apply in writing, and get the application (review) form of community small-sum secured loans in the jurisdiction.
(2) ID card (ID card, household registration book), employment certificate or graduation certificate.
(4) My business license.
(5) Business premises
(6) the guarantor's ID card, registered permanent residence and salary income certificate issued by the unit.
Preferential policies for college students' entrepreneurship:
1. What are the preferential policies for graduates to start their own businesses?
A: The initial investment of start-ups is allowed to be zero. College graduates who meet the requirements of fire-fighting rental housing and temporary commercial use are allowed to engage in self-employment (except for industries restricted by the state), and relevant administrative fees such as management fees, registration fees and licenses are exempted within three years from the date of first registration by the industrial and commercial departments. Expand the self-financing gap of college graduates, and give small secured loans of no more than 50,000 yuan (the maximum amount of small secured loans for female college graduates can reach 80,000 yuan); For partnerships and organized employment, the scale of loans can be appropriately expanded according to regulations, and the loan period is 2 years. Individuals who apply for and engage in low-profit projects are fully subsidized by financial facts. Organize college graduates with entrepreneurial aspirations to participate in entrepreneurship training and follow the law of flexible employment through various forms.
2. Graduates can enjoy starting a business.
College graduates newly established private scientific and technological enterprises, engaged in technology transfer, technical consultation, technical services and technical yuan or less, are exempt from income tax. Newly established independent accounting enterprises engaged in consulting, information and technical services shall be counted from the date of opening; Engaged in transportation, post and telecommunications, income tax shall be exempted in 1 year, and income tax shall be levied by half in the second year; Engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, warehousing industry, residential service industry, catering industry, shall be exempted from income tax 1 year; Enterprises established in hard and remote areas and key counties for poverty alleviation and development are exempt from income tax for three years.
3. What subsidy policies can graduates enjoy when starting a business?
A: College graduates who start a business and meet the conditions for enjoying social insurance subsidies will be given social insurance subsidies for no more than three years according to regulations; For registered unemployed college graduates who are unemployed 1 year or more, a one-time vocational skill appraisal subsidy shall be given according to the regulations; Enjoy preferential policies such as investment, business premises and taxation according to regulations; Graduates who participate in the "three supports and one support" and "college students in every village" projects can also enjoy the above policies if they start their own businesses after the expiration of their service.
You can consult the Municipal People's Insurance Bureau where your account is located.
Fourth, how to apply for college students' entrepreneurial loans?
Abstract: As we all know, college students' entrepreneurial loans are unsecured and unsecured college students' credit loans issued by banks and other fund-issuing institutions. So, how to handle college students' entrepreneurial loans? What are the precautions for handling? Now, Ka Baobei Bian Xiao will explain it to you.
First, the concept of college students' entrepreneurial loans
College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (junior college students, undergraduates, graduate students, doctoral students, etc.). ) issued by banks and other fund issuers. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.
Second, the application conditions for college students' entrepreneurial loans
1, fresh graduates, and graduates within two years;
2. College degree or above;
3. 18 years old or older.
Third, the application process of college students' entrepreneurial loans
1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;
2. review. The personnel bureau, together with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to the factors of industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and approve the discount amount;
3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;
4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;
5. Pay. According to the approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund to support college students' self-employment.
Four, college students' business loan application materials
1. Application Form for College Students' Entrepreneurship Funding (commercial loan discount)
2. Table of College Students' Entrepreneurial Enterprise Personnel
3. Application Form for College Students' Venture Capital
4. Copy of legal person ID card, household registration book or household registration certificate and graduation certificate (student ID card)
5 copies of business license, tax registration certificate and organization code certificate.
6. A copy of the capital verification report issued by the accounting firm
7. Copy of loan contract
8. Copy of the Articles of Association
9 copies of technical cooperation agreement, patent certificate, patent application acceptance notice, etc. (if necessary)
10. Copies of relevant award certificates, etc.
1 1. Recommendations from tutors or venture capitalists, venture capital institutions and related enterprises, etc.
(Note: Due to the different policies related to college students' entrepreneurial loans in different regions, the application conditions will be different. Card baby network is provided here for reference only. The applicant should prepare according to the different requirements of the loan project, and analyze the specific problems. )
Verb (abbreviation of verb) loan method for college students
There are three main ways for college students to apply for business start-up loans: directly applying for loans from banks, applying for discount loans for small and medium-sized science and technology enterprises, and using new technological achievements or intellectual property rights and patents as security loans. However, because banks are very strict in examining personal loan applications, especially paying attention to borrowers' repayment ability, and college students have just started their own businesses, it is difficult for them to obtain the loans they need. College students are advised not to apply for loans in the first way.
Sixth, preferential policies for college students' loans.
(1) Financial loans
1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans. For those who can provide effective asset mortgage (pledge) or high-quality customer guarantee, college graduates can be the main borrower, and the guarantor can provide corresponding joint and several guarantees for the stable income or effective assets of their families or immediate family members. For enterprises with good credit status and guaranteed repayment, financial institutions give priority to credit support. For college graduates' entrepreneurial loans, credit loans should be appropriately issued on the basis of controllable risks.
2. Simplify the loan procedures. By simplifying the loan procedures, we can reasonably determine the credit loan amount in 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.
In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. A number of banks have opened personal business loans for natural persons with permanent residence in cities and towns or valid residence status and age of 18. This kind of venture loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans.
(2) Pay taxes
College graduates who are engaged in self-employment shall be exempted from the tax registration certificate fee 1 year from the date when the business department approves their operation. Newly established urban employment service enterprises (except industries restricted by the state), where the number of unemployed people (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.
(3) Enterprise operation.
1. Staff recruitment and training enjoy free discounts. For enterprises founded by college graduates independently, within 0 years from the date of approval of their operation by the industrial and commercial departments, they can inquire about the supply and demand information of talents and labor 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; 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 and exemptions; The talent intermediary service institutions affiliated to the government personnel department provide free training, graduates and evaluation services for employees who start enterprises.
2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the talent intermediary service agencies affiliated to the government personnel administrative department will keep their personnel files (including social security, professional titles, file wages and other related procedures) for two years free of charge.
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.