First, the process of college students' entrepreneurial loans

Application process of college students' entrepreneurial loans:

1. Application.

Graduates apply to the Municipal Personnel Bureau with all kinds of materials.

2. Preliminary examination.

The Municipal Personnel Bureau is responsible for the pre-loan audit, which examines whether the graduates meet the loan conditions and whether the loan application items belong to the low-profit financial discount projects, and issues a recommendation form. At the same time, it evaluates the entrepreneurial ability of the graduates applying for small secured loans.

3. Review.

it shall be reviewed by the personnel bureau of the county (city) and submitted to the guarantee institution of the county (city) for review.

4. guarantee.

the guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided.

5. Approval.

the handling bank will jointly review the loan project with the district/county (city) personnel bureau and the guarantee institution, and be responsible for the final examination and approval of the loan application. If the loan is approved after examination and approval, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant at the same time.

6. Lending.

college graduates (including junior college students, undergraduate students and graduate students) who are engaged in self-employment are exempted from paying self-employment registration fees, self-employment management fees, demonstration text cost of economic contracts, etc. within one year from the date of business approval. In addition, if you set up an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years.

second, what is the application process of college students' entrepreneurial loan

1. Acceptance: the applicant applies to the management service center of college students' pioneer park, and submits relevant application materials, which will be reviewed by the management service center of college students' pioneer park;

2. Review: The Personnel Bureau, together with the Finance Bureau and other relevant departments, will review the information of the applicants for commercial loan discount according to factors such as industry orientation, enterprise scale, number of employees, registered capital, profits and taxes, and verify the discount amount;

3. Publicity: The approved commercial loan discount object and discount amount shall be publicized by the Personnel Bureau and the applicant's unit or community for 5 working days;

4. Approval: If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. Appropriation: According to the approval notice of relevant departments, the Finance Bureau will allocate funding from the special fund for supporting college students' self-employment after the interest payment voucher is provided by the interest subsidy object.

iii. process and matters needing attention of college students' entrepreneurial loan

what is college students' entrepreneurial loan? What aspects should we pay attention to? What are the application requirements and conditions? I will share the following with you, I hope you like it! Welcome to read!

College students' entrepreneurship loan refers to the behavior that banks provide unsecured and unsecured credit loans to some college students or college students who have just graduated and have not been employed for a long time. The reason why the state wants to implement such an encouragement policy is to promote the employment of college students and ease the employment pressure of the whole society. Based on this platform, many college students can find their own development opportunities, and they can constantly hone themselves and gain more experience on the road of starting a business. Next, I will collect this knowledge for you, hoping to help you.

1. Financial loans

1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans. For those who can provide effective assets as collateral or high-quality customer guarantees, college graduates can be the main borrowers, and the guarantors can provide corresponding joint guarantees for the stable income or effective assets of their families or immediate family members. For those with good credit standing and guaranteed repayment, financial institutions give priority to credit support. For college graduates' entrepreneurial loans, credit loans should be appropriately issued on the basis of controllable risks.

2. Simplify the loan procedures. By simplifying the loan procedures, the amount of credit loans can be reasonably determined by revolving within a certain period of time.

3. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate.

in fact, the difficulty of college students' entrepreneurial loans lies in their inability to provide effective assets as collateral or pledge. A number of banks have opened personal business loans for natural persons who have permanent residence or valid residence status in cities and towns and have reached the age of 18. Such venture loans require individuals to use certificates of deposit, or real estate mortgage loans and secured loans.

II. Tax payment

All college graduates who are engaged in self-employed businesses are exempted from paying the tax registration certificate fee within one year from the date when the industrial and commercial department approves their business. Except for industries restricted by the state for newly-established urban labor and employment service enterprises, if the unemployed in those years include college graduates who have registered for unemployment, and the same below exceeds 6% of the total number of employees in the enterprise, they may be exempted from income tax for three 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 3% of the total number of original employees of the enterprise in that year, the income tax may be reduced by half for 2 years with the approval of the competent tax authorities.

III. Business operation

1. Employees can enjoy free discounts for hiring and training. For enterprises founded by college graduates independently, within one year from the date of approval by the industrial and commercial departments for their operation, they can inquire about the supply and demand information of talents and labor free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the administrative departments of personnel and labor security, and release job advertisements free of charge; Participate in talent fairs or talent and labor exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative departments of personnel and labor security, and give appropriate fee reduction and exemption; The talent intermediary service institutions affiliated to the personnel department provide free training, graduates and evaluation services for the employees who start the enterprise.

2. Personnel file management is free of charge for 2 years. For college graduates who start their own businesses, the personnel intermediary service institutions affiliated to the personnel administrative department will keep the personnel files for them free of charge, including handling social security, professional titles, file wages and other related procedures for two years.

3. There are separate channels for social insurance. College graduates who are engaged in self-employment can apply for social insurance in the personal payment window set up by social insurance agencies at all levels.

Requirements for applying for college students' entrepreneurial loans

First, applicants for college students' entrepreneurial loans must be at least 18 years old and have certain conditions such as free capital, holding a business license and opening a settlement account in a bank.

1. Requirements for applying for college students' entrepreneurial loans

1. Applicants for college students' entrepreneurial loans have reached the age of 18, have legal and valid identity certificates and legal residence certificates at the place where the loan bank is located, and have 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 legitimate production and business activities, and have stable income and the ability to repay the principal and interest;

3 The investment project of college students' entrepreneurial loan applicants has some self-owned 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 the bank, and the operating income will be settled by the bank.

II. Application materials

1. The identity documents of college students' business start-up loan applicants and their spouses include the original resident identity card, household registration book or other valid residence permit and proof of marital status;

2. Proof files 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' business start-up loan and the business license of related industries, and the relevant agreements, contracts or other materials in the use of the loan;

4 guarantee materials for college students' entrepreneurial loan applicants: ownership certificate and list of collateral or pledged goods, proof that the person with the right to dispose of it agrees to pledge, and the appraisal report of pledged goods issued by the appraisal department recognized by the bank.

the process of college students' entrepreneurial loan

the process of college students' entrepreneurial loan includes the procedure of handling business license, and the application materials include ID card, report card, student ID card and other credit certificates, such as scholarship certificate, class cadre certificate, community activity certificate, etc.

application materials

1. identification;

2. Students at school need to provide student ID cards and school transcripts;

3. Graduates need to provide graduation certificates and degree certificates;

4. reconciliation list of common bankbooks or bank cards in the past 6 months;

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

and:

1. Proof files of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants;

2 The identity documents of college students' entrepreneurial loan applicants and their spouses include the original resident identity card, household registration book or other valid residence permit and proof of marital status;

3 guarantee materials for college students' entrepreneurial loan applicants: ownership certificate and list of collateral or pledged goods, proof that the person with the right to dispose of it agrees to pledge, and the appraisal report of pledged goods issued by the appraisal department recognized by the bank.

4 the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, and the relevant agreements, contracts or other materials in the use of the loan;

application procedure

one-person loan.

the applicant holds a copy of the industrial and commercial business license or a private non-enterprise registration certificate, the original and photocopy of the business license; Original and photocopy of ID card; Photocopy of business premises lease agreement, loan application, business plan, effective guarantee materials, etc., and apply to the human resources and social security office of the street where the registration place is located. Street Security Office will issue four copies of the Audit Form for Young College Students' Entrepreneurial Small Guaranteed Loans in Nanjing to eligible loan applicants, conduct on-site investigation on the applicants, fill in the Field Investigation Form after confirmation, complete the preliminary examination within five working days, and report to the local human resources and social security departments; District human resources and social security department reported to the municipal human resources and social security department after the audit. Ministry of Human Resources and Social Security will submit the borrower's information that has passed the audit to the handling bank. The handling bank shall go through the loan formalities as required.

ii. partnership venture loan.

the convener shall go to the human resources and social security office of the street where the registration place is located with the original and photocopy of the business license, the original and photocopy of the industrial and commercial business license or the private non-enterprise certificate, the business license or the employment and unemployment registration certificate of the partnership members, and the school certificate, ID card, household registration book, "partnership agreement", business premises lease agreement, loan application, repayment commitment letter and effective guarantee materials. Street Security Office will issue four copies of the Audit Form for Young College Students' Entrepreneurial Small Guaranteed Loans in Nanjing to eligible loan applicants, conduct on-site investigation on the applicants, fill in the Field Investigation Form after confirmation, complete the preliminary examination within five working days, and report to the local human resources and social security departments; District human resources and social security department reported to the municipal human resources and social security department after the audit. Ministry of Human Resources and Social Security will submit the borrower's information that has passed the audit to the handling bank, and the handling bank will handle the loan formalities according to the regulations.

III. Application for discount interest

After repaying the principal and interest on time, the lender shall go through the discount formalities with the district human resources and social security department with a copy of the passbook or bank statement or repayment schedule, and fill in the Discount Approval Form. District human resources and social security department after the first instance, the discount approval form and related materials shall be reported to the municipal human resources and social security department, and reported to the Municipal Finance Bureau after the audit by the municipal human resources and social security department. After the audit by the Municipal Finance Bureau, the discount funds shall be allocated to the relevant banks, and the banks shall timely allocate them to the loan accounts opened by the lenders in the bank.

how to calculate the interest of college students' entrepreneurial loans

The interest rate conversion formula for RMB business is as follows: 1. Daily interest rate /= annual interest rate %÷36= monthly interest rate ‰÷3

2. Monthly interest rate ‰ = annual interest rate %÷12

Second Bank can The interest calculation formula is:

interest = cumulative interest product × daily interest rate, where cumulative interest product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the predetermined interest calculation formula: interest = principal × interest rate × loan term. There are three details:

If the interest calculation period is a whole year, the interest calculation formula is:

① Interest = principal × number of years × annual interest rate

If the interest calculation period has a whole year and a fraction of days, the interest calculation formula is:

② Interest. Banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days in leap year every year and 366 days in Gregorian calendar every month. The interest calculation formula is:

③ Interest = principal × actual days × daily interest rate

. These three calculation formulas are essentially the same. However, since only 36 days are calculated in a year in interest rate conversion, when the actual interest rate is calculated by daily interest rate, it will be calculated as 365 days in a year, and the result is obtained. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

triple compound interest

compound interest means adding interest at a certain rate. According to the regulations of the central bank, if the borrower fails to repay the interest according to the time agreed in the contract, it will be charged with compound interest.

four penalty interests

if the lender fails to repay the bank loan within the prescribed time limit, the penalty interest that the bank pays to the defaulting person according to the contract signed with the parties is called the bank penalty interest.

5. loans overdue liquidated damages

The nature is the same as penalty interest, and it is the punishment measures for the breaching party.

VI Formulation and filing of interest-bearing methods

Rules for interest calculation and settlement and interest-bearing methods for deposit and loan business formulated by national commercial banks as legal persons are reported to the head office of China People's Bank for filing and informing customers; Regional commercial banks and urban credit cooperatives are reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record and inform customers; The legal person of the county rural credit cooperatives can formulate the rules of calculation and settlement of interest and the interest calculation method of deposit and loan business according to the actual situation of the rural credit cooperatives in the county, and report it to the branch of the People's Bank of China and the central branch of the provincial capital city for the record, and the legal person of the rural credit cooperatives will inform the customers.

iv. what are the conditions for a partnership venture loan?

1. Holding a business license issued by the administrative department for industry and commerce of this Municipality, opening an account with a lending bank, and having no record of bad credit or illegal behavior within three years; 3. Being able to provide guarantee and counter-guarantee measures or meeting the conditions for exemption from counter-guarantee, 4. Aged over 18, with my ID card. Proof of residence partnership projects can only take counter-guarantee measures of real estate mortgage.