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Research on the Loan of Student Venture Bank in Jinan University
Apply to the Labor Bureau for 50,000 without mortgage or guarantee. No shell conditions!

College graduates who want to start a business within five years can register at the Provincial Youth Entrepreneurship Guidance Center. First, there will be guidance and training before starting a business, and then they will make their own business plans. It must be detailed and comprehensive, and it must be feasible. It is best to choose from government-supported projects, some of which will have high loan guarantees. Before refinancing, the lending bank (usually Agricultural Bank of China) will evaluate and check your business plan and need your reply. Then, you will have the specific business location, business license, tax registration certificate, as well as the hygiene license and health certificate of the catering industry. There are many procedures, but some fees will be waived. Moreover, if the government has a financial discount on bank loans, more specific details can be found on the website of the provincial government.

In recent years, in order to support college students' entrepreneurship, the state and governments at all levels have issued many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. College Students Entrepreneurship Network (1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year. (2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities. (3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide small loans for graduates who start their own businesses, simplify procedures and facilitate account opening and settlement. The loan amount is about 20,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term. College Students' Entrepreneurship Network (4) The talent intermediary service agency affiliated to the government personnel administrative department keeps personnel files (including social security, professional titles, file wages and other related procedures) for self-employed graduates for 2 years free of charge; Provide free information on the supply and demand of talents and labor force, and publish free recruitment advertisements and other services; To participate in talent fairs or talent service exchange activities, appropriate fee reduction; Provide training and evaluation services for entrepreneurial employees. (5) The above preferential policies are formulated by the state for all self-employed college students. In order to support local college students' entrepreneurship, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality. For example, according to the relevant regulations of the state and the Shanghai Municipal Government, fresh college graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax relief.