Interest-free loan for college students' entrepreneurship refers to a loan method established to encourage college graduates to start their own businesses. For entrepreneurs themselves, it is interest-free, but for banks, it is interest-bearing, except that the state has introduced relevant policies to encourage entrepreneurship and promote employment, and the interest is subsidized by finance.

Application conditions

1, identification.

2. Ask students to provide student ID cards and transcripts.

3. Graduates are required to provide graduation certificates and degree certificates.

4. Checklist of frequently used bankbooks or bank cards in the past 6 months.

5. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.

6. Check whether students have bad criminal records.

7. College degree or above.

8 unemployed for more than 6 months after graduation, and registered in the local labor and social security department.

Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.

In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.

Industry restriction

In order to guide college students to find jobs through multiple channels, especially to encourage self-employment and flexible employment, the provincial government issued the "Implementation Opinions on Further Improving the Employment of College Graduates". According to the opinion, graduates who start their own businesses can get support in registration, loan financing, tax reduction and exemption, and entrepreneurial services.

College students can relax certain industry restrictions when starting a business. For example, when individual industrial and commercial households, sole proprietorship enterprises and partnership enterprises bid, they are not subject to the minimum capital contribution unless otherwise stipulated by laws and regulations. In addition, as long as you are engaged in investment and management in industries and fields such as high-tech, modern manufacturing and modern service industries, you can also use family houses, rented houses and temporary commercial houses. As a place of business.

For new college graduates who started their own businesses and registered unemployed college graduates within 2 years after graduation, they can apply for a small secured loan of less than 654.38+10,000 yuan at the place where they started their business. If the project is a low-profit industry, you can also enjoy the full financial discount policy.

According to the relevant person in charge of the Provincial Department of Human Resources and Social Security, starting from 20 12, Shanxi Province will select more than 10 entrepreneurial projects for college graduates every year, give follow-up support, and give all-round assistance in terms of funds, policies and operations.

When college graduates go to small and medium-sized enterprises and non-public enterprises for employment, public employment service agencies at all levels will provide them with labor security and personnel agency services such as personnel relationship transfer, file management, full employment grading, professional and technical title evaluation, and enjoy the treatment of similar personnel in state-owned enterprises and institutions.

For college graduates who apply for flexible employment, public employment service agencies at all levels will provide personnel and labor security agency services free of charge; If college graduates with employment difficulties realize flexible employment and declare, they will also be given certain social insurance subsidies from the special funds for employment.

If the flexible employment of college graduates is recruited by various employers, or from enterprises and social organizations to government agencies and institutions, the social insurance payment period after recruitment and the payment period during flexible employment will be calculated together.

Reference to the above content: Baidu Encyclopedia-College Students' Venture Loan