Task occupation pit

Second, Shanghai encourages college graduates to start their own businesses. What problems will they face now?

Entrepreneurship is a very complicated process, involving management, marketing, finance, taxation and other aspects of knowledge, so the requirements for entrepreneurs are still very high. Moreover, under the epidemic situation, entrepreneurship is also facing great difficulties, which are all challenges for graduates. We can understand the innovation of graduates from two aspects: ability and environment.

First, although graduates have a theoretical basis of knowledge, they lack ability and experience.

1, graduates lack management ability. Although we have all studied on paper at school and have no practical experience, how to manage a team is far from being accomplished by theory.

2. After comprehensive ability, all the things in the company at the beginning must be taken care of by yourself, such as manpower arrangement, salary design, financial system and so on. We should also communicate with relevant departments, such as the tax department. It may not seem difficult, but it is still very difficult if it involves college students who just graduated.

3. It is difficult to integrate. The first problem faced by starting a business is the source. For college students who have just graduated, these are obvious problems.

Second, under the epidemic situation, college students will face difficulties in entrepreneurial guidance and entrepreneurial opportunities.

1, leading to career guidance for college graduates under the epidemic situation. After the outbreak, all students can only study online at home, and they can't enter the school. For a course with practical guiding significance, the guidance of innovation and entrepreneurship can't be carried out normally offline. Graduates can't practice and cooperate with like-minded students without systematic and professional guidance from employment guidance teachers.

2. The entrepreneurial opportunities of college graduates are greatly affected by the epidemic. During the epidemic period, many enterprises have adopted the way of reducing employees, which makes it difficult to meet the job demand and supply of fresh graduates.

Nowadays, the epidemic situation has been effectively controlled. Because many large enterprises have abundant funds, they can quickly resume work and production. However, many small and medium-sized enterprises are short of funds after the epidemic, which is one of the major changes brought about by the job market and innovation and entrepreneurship.

Under such an environment, college graduates should not only have absolute confidence in themselves, but also have the courage to face challenges and the ability to deal with problems.

3. What is a special loan project? I'm from Shanxi, but which bank should I go to for a loan? Bank loans are generally mortgaged or guaranteed. Do students need them? This?

It is very difficult for individuals to apply for bank loans. The existing personal loans are only consumer loans and business loans, similar to consumer loans, car loans, mortgages, and business loans for business owners. However, if there is no good collateral for venture loans, it is basically impossible for banks. Only by considering the places where small loan companies are placed, the financing cost should be at least 20%. When a project loan is made, the bank will grant credit according to some relatively excellent projects, which requires earmarking, and the time and purpose of the loan should be strictly controlled. The main body of the loan must also be an enterprise, and it cannot be used for other purposes.

Unless it is a large state-owned enterprise or a central enterprise (such as Taigang, Taizhong, China Railway 17th Bureau, five major coal enterprises, etc.), all bank loans must be guaranteed and pressured, especially for small and medium-sized enterprises, and credit loans are almost impossible. By the way, I'm from Shanxi, and what I said should give you some reference.

4. Who knows how to apply for a business loan for college students in Taiyuan and what conditions are needed?

College students' entrepreneurial countries provide loans of 30,000-70,000. Loan procedures:

Article 15 If the borrower is an individual industrial and commercial household, he/she shall apply to the social security office where he/she has his/her household registration or business operation, fill in the Application 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 documents:

1. Identity certificate of the borrower. Including the original and photocopy of the Resident Identity Card, Household Register, Re-employment Concession Card, University Diploma, Demobilized (Demobilized) Soldiers' Self-employment Certificate 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. Original and photocopy of the Business License for Individual Industrial and Commercial Households;

IV. 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 If the borrower is a small enterprise founded by himself or herself in partnership, he or she shall apply to the labor and social security department of the county where it is registered, fill out the Application for Small-sum Guaranteed Loan for Small Enterprises in Beijing in triplicate (one for the labor and social security department of the county, one for the guarantee institution and one for the handling bank), and provide the following documents:

First, the founder, partner or shareholder's "Re-employment Concession Certificate", "University Graduation Certificate", the self-employment certificate of demobilized (demobilized) soldiers, and the original and photocopy of the rural labor force transfer employment registration certificate;

Two, a copy of the business license, the 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 business place certificate and official seal;

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

5. A copy of the 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 financial statements of the year, including the balance sheet, income statement, etc.;

Ten, the general situation of enterprises 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 project operation 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.