Jiangxi University Students' Entrepreneurship Loan Policy

Application requirements of college students' entrepreneurial loans

(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;

(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment;

(5) Open a settlement account in a bank, and the operating income will be settled by the bank.

Application material

(1) Identity documents (including original resident ID card, household registration book or other valid residence permit) and proof of marital status of college students' entrepreneurial loan applicants and their spouses;

(2) Proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants;

(3) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans;

(4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank.

Interest-free loans for college students to start businesses encourage everyone to start businesses.

Requirements for college students to start interest-free loans

Request information: 1. Application for industrial and commercial registration of individual industrial and commercial households signed by the operator;

2. Notice of pre-approval of individual industrial and commercial households;

3. Where an agent is entrusted, the certificate of entrusted agent signed by the operator and a copy of the ID card of entrusted agent shall also be submitted.

4. A copy of the ID card of the operator; To apply for family business registration, the competent operator shall be registered as an operator, and a copy of the household registration book or marriage certificate shall be submitted as proof of the kinship of family members; Submit copies of ID cards of other family members involved in the action together, and file their names and ID numbers.

5. Confirmation of the operation of the business premises; If individual industrial and commercial households use their own premises as business premises, they shall submit a copy of the property right confirmation of their own premises; If renting another person's house, a copy of the lease agreement and the confirmation of the house property right shall be submitted; If it is impossible to submit the property right certificate of the business premises, it may submit the relevant certificates issued by the market organizers, various development zone management committees and village neighborhood committees approved by the government agreeing to engage in business activities in the premises. If the house is changed into a business house, it belongs to a township house. According to Article 48 of Chengdu Property Management Regulations, the owners and users shall use the house according to the purpose approved by the planning administrative department or specified in the real estate register, and shall not change the nature of use without authorization. If it is really necessary to change, in addition to abiding by laws and regulations and handling the statute, it shall be approved by the interested owners; And according to the law by the planning, land, health, environmental protection, fire protection and other administrative departments to review; If it is a non-township house, submit the relevant confirmation of local government rules.

6. If there are items in the business scale that need to be approved before registration according to laws, administrative regulations and the State Council decisions, a copy of relevant acceptance certificate or approval document shall be submitted.

7. Other documents required by the registration authority. Note: If the above items do not indicate the copy to be submitted, the original should be submitted; If a copy is submitted, it shall be marked as "consistent with the original" and signed by the individual industrial and commercial operators or their entrusted agents. In addition, the application for car washing station has pre-approval conditions. Specific needs, in the District Planning Bureau, District Environmental Protection Bureau to improve the pre-approval certificate for operating a car wash, and obtain the pre-approval documents before handling the industrial and commercial business license.

New Policy of Jiangxi College Students' Entrepreneurship Loan

First, "college students can run a company with one yuan."

Colleges and universities should vigorously carry out entrepreneurial knowledge courses to continuously improve college students' entrepreneurial knowledge. When college students start a new company, they will implement the registered capital subscription system, realizing the theoretical "one-yuan company" and "zero down payment". For college students who meet the requirements of self-employment, all administrative fees such as registration, management and licensing will be exempted within 3 years from the date of registration by the industrial and commercial departments.

Second, college students can enjoy the preferential policies of small secured loans and discount interest.

The biggest problem of college students' entrepreneurship is the problem of funds. In the future, small secured loans every year should give priority to college students' entrepreneurship, and they should be supported as long as they meet the conditions. In terms of quota, the maximum loan quota for college students' self-employment is 654.38+10,000 yuan; If a partnership or organization starts a business, the maximum loan limit is 500,000 yuan; College students set up labor-intensive small and micro companies or re-operation bases, informal working institutions, small company incubation bases, etc. , the maximum loan is 4 million yuan. In addition, subsidies for related companies should be resolutely put in place, and discount companies that meet government rules should do a good job in discount operations.

Third, you can enjoy tax relief if your monthly sales do not exceed 20,000 yuan.

Small and micro companies founded by college students, whose monthly sales or turnover does not exceed 20 thousand yuan, are temporarily exempted from value-added tax and business tax; From 65438+ 10/month 1 to 65438+ February 3 1, if the annual taxable income is less than 65438+ 10,000 yuan (including 65438+10,000 yuan), the income will be included in the taxable income by 50% and the company income tax will be paid by 20%. College students who are engaged in self-employment are entitled to relevant tax relief within 3 years according to the annual limit of 9600 yuan per household.

Second, what are the preferential policies for Jiangxi college students to start their own businesses, and how to apply for business loans? I'm in class 10. . .

Hello, let me talk about it. The conditions for college students to start a business loan are: 1, college students who are in school and graduate within two years; 2. College degree or above; 3. 18 years old or older. College students' entrepreneurship loan is a preferential measure provided by the state to college students, which provides the government with preferential policies, taxes, entrepreneurship training, entrepreneurship guidance and many other aspects. Individuals who want to work or have engaged in production and business activities apply for funds for starting or re-starting, and the bank recognizes special loans. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also put forward a higher term, which is generally 1 year, and the longest is not more than 3 years. References: