Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500 thousand yuan according to their personal situation and repayment ability; You can also apply for a higher loan if you start a business to a certain scale or become a re-employment star. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers to start their own businesses, some banks have appropriately lowered the interest rate of venture loans.

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.

Banks generally need three conditions to provide loans: pledge, mortgage and guarantee. If your parents or relatives have better jobs and stable income, it will be an excellent credit resource.

Paragraph program

Article 15 If the borrower is an individual industrial and commercial household, he/she shall apply to the social security office where his/her household registration or business is located, fill in the Application Form and Recommendation Letter for Small Guaranteed Loans for Self-employment in Beijing in triplicate (one for the social security office, one for the handling bank and one for the guarantee institution), and provide the following information:

1. Identification of the borrower. Including the original and photocopy of resident ID card, household registration book, re-employment concession card, university diploma, self-employment certificate for demobilized (retired) soldiers or rural labor transfer employment registration certificate;

Two, "entrepreneurship training certificate" or approved by the Beijing municipal labor and social security department of entrepreneurship training certificate and a copy of the entrepreneurial project plan or feasibility analysis report approved by the entrepreneurial training institutions;

3. The original and photocopy of the business license of individual industrial and commercial households;

Four. Personal Commitment Letter of Small Guaranteed Loan in Beijing Credit Union District;

5. Other information required by the handling bank and guarantee institution.

Article 16 For a small business founded by an individual partnership, the borrower shall apply to the labor and social security department of the county where it is registered, fill out the Application Form for Small-sum Guaranteed Loan for Small Enterprises in Beijing in triplicate (one for the county labor and social security department, one for the guarantee institution and one for the handling bank), and provide the following information:

First, the original and photocopy of the founder, partner or shareholder's Re-employment Concession Certificate, University Graduation Certificate, Demobilized (Demobilized) Soldiers' Self-employment Certificate and Rural Labor Transfer Employment Registration Certificate;

Two, a copy of the business license, enterprise organization code certificate, the original "registered capital verification report" and a copy of the official seal of the enterprise;

3. A copy of the proof of the business place and the official seal;

4. A copy of the articles of association and partnership agreement stamped with the official seal of the enterprise;

5. Copy of tax registration certificate (national tax and local tax);

Six, the legal representative's identity card, the power of attorney of the authorized agent and the original and photocopy of the agent's identity card;

Seven, a copy of the loan card and password (or a copy of the loan card query results);

Eight, the enterprise decided to apply for financing guarantee resolution of the shareholders' meeting or the resolution of the partners' meeting;

Nine, the annual financial statements, including balance sheet, income statement, etc.;

Ten, enterprise profile and project feasibility report;

Xi。 Counter-guarantee measures to be provided;

Twelve, guarantee institutions and other information required by the handling bank.

Seventeenth borrowers should open an account in the loan bank, and the funds that have been used for the operation of the project are not less than 30% of the loan principal; Legal operation, good credit standing and solvency.

Eighteenth borrowers for individual industrial and commercial households to apply for small secured loans approval procedures.