How do fresh graduates from Chongqing University of Science and Technology apply for entrepreneurial funds?

Enterprise registration

1. The procedures are simplified. All college graduates (within two years after graduation, the same below) who apply to engage in self-employment or apply for private enterprises can register with priority through the "green channel" in the registration hall of the industrial and commercial departments at all levels. Except for industries and commodities expressly prohibited by the state, its business scope will be liberalized and approved for operation. For restricted and special business projects, they are allowed to apply for special approval procedures at the same time. For those who apply to establish private enterprises in special economic zones such as science and technology parks, high-tech parks, and economic and technological development zones, special cases will be handled. Except for projects that require pre-approval, a "commitment registration system" will be trialled. If the applicant submits the registration application form, capital verification report and other main registration materials, a business license can be issued first and the applicant can complete the relevant materials as required within 3 months. Anyone who applies to establish a limited liability company and uses intangible assets such as human capital, intellectual achievements, industrial property rights, and non-patented technologies of college graduates as investment is allowed to offset 40% of the registered capital.

2. Reduction or exemption of various fees. Except for industries restricted by the state, the industrial and commercial department will waive individual business registration fees (including registration, change registration, license renewal fees), individual business management fees and various certificate fees for one year from the date of approval of its operations. Those who join private associations will be exempted from their 1-year membership fee. For college graduates who apply for high-tech enterprises (including limited liability companies), the minimum registered capital is 100,000 yuan. If there are indeed difficulties in funding, they are allowed to be provided in installments; the name of the application can be "high-tech" or "new technology" , "high technology" is approved as an industry. College graduates who engage in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within one year after the neighborhood committee reports to the local industrial and commercial administrative authority for filing. Reminder: According to the staff of the Individual Affairs Department of the Provincial Administration for Industry and Commerce, relevant policies have been implemented. When college graduates go through the relevant procedures for self-employment, in addition to bringing all the required materials and submitting relevant applications, they must also bring college graduates with them. Employment recommendation form, graduation certificate and other relevant information.

In terms of financial loans

1. Priority loan support and appropriate credit loans. Increase loan support for college graduates to start their own businesses. Financial institutions will give priority to credit support for those who can provide effective asset mortgages (pledges) or high-quality customer guarantees. For entrepreneurial loans for college graduates, college graduates can be the borrowers, and the guarantor can provide corresponding joint guarantees from the stable income or effective assets of their family or immediate family members. For those with good credit and guaranteed repayment, credit loans will be appropriately extended on the basis of controllable risks.

2. Simplify loan procedures. By simplifying loan procedures, the credit loan amount can be reasonably determined and used within a certain period of time. 3. Interest rate concessions. Provide certain preferential interest rate support for entrepreneurial loans. Depending on the risk of the loan, the statutory loan interest rate may be appropriately lower or slightly higher. Reminder: Relevant people from Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other banks in Rong said that the bank currently does not offer self-employment loans for college students. This embarrassing situation is mainly due to the high risk of such loans. . A person from the Fuzhou Branch Office of CITIC Industrial Bank said that while banks are pursuing capital profitability and liquidity, they must also consider its safety. Self-employment loans for college graduates carry higher risks than other loans. Banks generally will not lend easily to college students who have just graduated, lack social work experience, and do not have suitable collateral or guarantees. Another industry insider also said that even if college students have suitable projects on hand, this is only an isolated phenomenon. As an enterprise, the cost of a bank granting such a loan is not directly proportional to its income. In fact, the difficulty in obtaining entrepreneurial loans for college students lies in the inability to provide valid assets as collateral or pledges. The reporter learned that many banks in Rong currently offer personal business loans for natural persons who have permanent urban residence or valid residence status and are over 18 years old. This type of business loan requires individuals to use certificates of deposit to pledge loans, or real estate mortgage loans and secured loans. In terms of tax payment, any college graduate who engages in self-employment will be exempted from paying the tax registration certificate fee for one year from the date of approval of the business by the industrial and commercial department. If a newly established urban labor and employment service enterprise (except for industries restricted by the state) places unemployed persons (including college graduates who have registered as unemployed, the same below) in the current year exceeds 60% of the total number of employees of the enterprise, it may be approved by the competent tax authorities. Income tax exemption for 3 years.

After the tax exemption period for labor and employment service enterprises expires, if the newly placed unemployed people account for more than 30% of the total number of original employees of the enterprise in that year, they can pay half of the income tax for 2 years with the approval of the competent tax authorities.

In terms of corporate operations

1. Employee recruitment and training enjoy reduced fees. For enterprises independently founded by college graduates, within one year from the date of approval of their operation by the industrial and commercial department, they can search for free talents on the websites of talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies. Labor supply and demand information, free recruitment advertisements, etc.; participating in talent fairs or talent and labor exchange activities organized by talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies will provide appropriate fee reductions and exemptions; the government The talent intermediary service agency affiliated to the human resources department provides free training and evaluation services to graduates who start companies and employees who start companies at a discount.

2. Personnel file management is free of charge for 2 years. For college graduates who start their own business, the talent agency service agency affiliated to the government's personnel administration department will keep their personnel files (including handling relevant procedures such as social security, professional titles, salary files, etc.) free of charge for two years.

3. There are separate channels for social insurance participation. College graduates who engage in self-employment can go through the social insurance participation procedures at the individual payment windows set up by social insurance agencies at all levels.