Fresh college graduates, college graduates who have not been employed, and college students who have started their own businesses for the second time (including entrepreneurial teams) can apply for entrepreneurial loans at the local labor and social security departments.
The application of college students' entrepreneurial loan requires certain conditions. Applicants should have specific business projects and obtain business licenses, and participate in SIYB training organized by youth league organizations and labor departments before applying for loans.
The following are the relevant preferential policies implemented by the state for college students' entrepreneurial loans.
I. Enterprise registration
1. The program is more simplified.
Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration hall of industrial and commercial departments at all levels. Its business scope is open for approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, they are allowed to go through the special examination and approval procedures while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, the special affairs office will try out the "commitment registration system" in addition to projects that must be pre-approved. Applicants who submit the application for registration, capital verification report and other major registration materials may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Anyone who applies for the establishment of a limited liability company with intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates as investment is allowed to offset 40% of the registered capital.
2. Reduce and exempt all kinds of fees
Except for industries restricted by the state, the industrial and commercial departments shall waive their individual industrial and commercial household registration fees (including registration, change registration, replacement license fees), individual industrial and commercial household management fees and various certificate fees within 1 year from the date of approval of their operation. Membership fee of 1 year is waived for those who join private associations. For college graduates applying for high-tech enterprises (including limited liability companies), the minimum registered capital is100,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The name of the application can be approved as "high technology", "new technology" and "high technology". College graduates engaged in community service and other activities shall be exempted from industrial and commercial registration registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record.
Reminder: According to the staff of the Individual Department of the Administration for Industry and Commerce, the relevant policies have been implemented. When going through the relevant procedures for starting their own businesses, college graduates should not only bring all the required materials and submit relevant applications, but also bring the employment recommendation form for college graduates, graduation certificates and other relevant materials.
Second, financial loans
1. Give priority to loans and issue credit loans appropriately.
Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support for those who can provide effective asset mortgage (pledge) or quality customer guarantee. For college graduates to start a business loan, college graduates can be the main borrower, and the guarantor can provide corresponding joint guarantee for the stable income or effective assets of their families or immediate family members. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks. Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide small loans to graduates who start their own businesses, simplify procedures and provide convenience for opening accounts and settlement. The loan amount is about 50,000 yuan. The longest loan period is two years. If it is determined that it needs to be extended at maturity, 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 five times that of the guarantee fund, and the term is the same as the loan term.
Simplify the loan procedures By simplifying the loan procedures, we can reasonably determine the credit line and use it in a certain period of time.
Interest rate concessions provide certain preferential interest rate support for venture loans. Depending on the degree of loan risk, it can be appropriately floated down or less on the basis of the statutory loan interest rate.
Reminder: Bank related persons such as Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, CITIC Industrial Bank, etc. all said that the bank has not started the business of college students' self-employment loans at present, and this embarrassing situation is mainly due to the high risk of such loans. A person concerned in the office of CITIC Industrial Bank said that banks should also consider their security while pursuing the profitability and liquidity of funds. Compared with other loans, college graduates' self-employment loans are risky. College students have just graduated, lack social work experience, and have no suitable collateral or guarantee. Banks generally don't lend easily. Another person in the industry also said that even if college students have suitable projects at hand, this is only an individual phenomenon. As an enterprise, the input cost and income of such loans issued by banks are not proportional.
In fact, the difficulty of college students' entrepreneurial loans lies in their inability to provide effective assets as collateral or pledge. At present, 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 adopt hypothecated loan, or real estate mortgage loans and secured loans.
Third, the tax payment
Where college graduates are engaged in self-employment, the cost of tax registration certificate shall be exempted within 1 year from the date when the business department approves their operation. Newly-established urban labor employment service enterprises (except industries restricted by the state), if the number of unemployed people (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees in the enterprise, they may be exempted from income tax for 3 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 30% 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.
The above preferential policies are formulated by the state for all college students who start their own businesses. In order to support local college students to start their own businesses, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality.