1, where college graduates (within two years after graduation, the same below) apply for employment, they can register in advance through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope includes special examination and approval procedures for restrictive and special operations except for industries and commodities explicitly prohibited by the state. To apply for the establishment of private enterprises in special economic zones such as science and technology development zones, the special affairs office will try out the main registration materials such as the Commitment Register and the Capital Verification Report in addition to the projects that must be pre-approved, and issue the business license in advance, so that it can complete the relevant materials in accordance with the regulations within 3 months. It is allowed to apply for the establishment of a limited liability company with intangible assets such as non-patented technology of college graduates as capital contribution. 2. Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments shall waive their individual industrial and commercial household registration fees (including registration, change registration and renewal fees), individual industrial and commercial household management fees and membership fees of various certificates within 1 year from the date of approval of their operation. 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 name of the application can be "high-tech" or "new technology approval". 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. At present, relevant policies have been implemented. When going through the formalities related to self-employment, college graduates should not only bring all the required materials and submit relevant applications, but also bring the employment recommendation form of college graduates, graduation certificates and other relevant materials 1, preferential loan support and appropriate credit loans. Increase the support of college graduates' self-employment loans, give priority to credit granting by financial institutions, and provide corresponding joint guarantees for college graduates or their immediate family members to stabilize their income or effective assets. For those with good credit standing, credit loans shall be given appropriately on the basis of controllable risks. 2. Simplify the loan procedures. By simplifying the loan procedures, it can be used reasonably. 3. Interest rates can be appropriately reminded to support interest rates on the basis of certain preferential interest rates: bank related persons such as China Bank, China Agricultural Bank, China Construction Bank, Minsheng Bank, CITIC Industrial Bank, etc. According to Rongdu, the bank has not started any big business yet, and 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 the bank pursues the integrity of capital gains. 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 position. Insiders 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 the absence of effective assets as collateral or pledge, many banks have opened loans for urban permanent residence or valid residence status, and they have been in business for many years. 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 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.

Second, how to apply for a university loan, what is the specific process?

First, college students apply. Students should apply to their school institutions within the specified time, receive the "National Student Loan Application Approval Form" and other materials, and fill them out truthfully and completely. The materials to be submitted include: 1, application form for national student loan. 2. A copy of my student ID card and resident ID card. 3. My explanation of the family's financial difficulties. 4, township, town, street civil affairs departments and county education administrative departments to identify their family financial difficulties. 5. Other supporting documents and materials required by the bank or school. Two, the school institutions to conduct a preliminary examination of the loan. School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center. School institutions shall examine the qualifications of the national student loan application materials submitted by students, and be responsible for their completeness, authenticity and legality. The preliminary examination will be completed within 20 working days after receiving the application for student loan. Three, the handling bank for loan approval. After receiving the "Information Form" and application materials submitted by the school, the handling bank will complete the audit within 20 working days and 8 days. If there are any mistakes or omissions, the school will be required to correct or supplement them. Fourth, sign loan contracts with students. After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank. V. granting loans. The handling bank will transfer the first-year tuition, accommodation, living expenses and other funds into the designated account opened by the school in the handling bank within 20 working days after signing the loan contract and iou with the borrowing students. Tuition, accommodation and living expenses loans for the second and subsequent academic years should be transferred to the designated account of the school within 20 working days after the start of each academic year. The handling bank handles a debit card or current passbook for each student who borrows money, and submits the list of borrowing students and debit details to the school, so that the school can transfer the living expenses to the account on a monthly basis. The intransitive verb repays the loan. Borrowing students should pay attention to their own credit and repay on time after completing their studies with student loans. : loan conditions: 1, age 18 years old or above (inclusive), and the sum of age and loan period at the time of applying for the loan shall not exceed 65 (inclusive); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents. 2. According to the Administrative Measures of Agricultural Bank of China on Customer Credit Rating of Agriculture, Countryside and Farmers, the customer credit rating is average and above. 3, should have a stable income and the ability to repay the loan principal and interest on schedule. 4, engaged in production and business activities, in line with national laws and regulations and industrial policies. 5. Good conduct and no overdue loans when applying for loans. 6. Other conditions stipulated by the lender.

Third, what about college students' loans? What are the procedures?

Basic overview:

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation.

amount of loan

The maximum loan amount per undergraduate per academic year does not exceed 8000 yuan. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year.

Application method:

Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.

Application conditions:

The supporting object of student-origin student loan must meet the following conditions:

1. has the nationality of the people of China;

2. Honest and trustworthy, law-abiding;

3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice;

4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district);

The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school.

Application materials:

Application for national student loan;

1. Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

3. My explanation of the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Approval:

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

Repayment method

(1) Students shall pay off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.

Repayment operation:

Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable. The specific operation method is as follows:

(1) Log in to the homepage of CDB Student Loan Information Network, and then enter the loan information page through the student login name and password.

(2) Click "prepayment application" on the left to enter the prepayment application summary information page;

(3) Click the "Add" button at the lower left of the prepayment application summary information page to open the prepayment addition page;

(4) Select a loan contract record and click OK to save the prepayment application information.

(5) When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in.

Fourth, how to borrow the qualification certificate for college students' entrepreneurship?

1, unemployed for more than 6 months after graduation, registered in 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, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify 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.