Support Policies for College Students' Entrepreneurship Loans in Zhejiang Province

Application and process of entrepreneurial loan conditions for college students in Zhejiang Province

Legal analysis: The conditions for college students to start a business loan are that they need to be at least 18 years old, have full capacity for civil conduct and have sufficient repayment ability. The application process is mainly to apply to the management service center of college students' pioneer park and submit relevant application materials; The management service center of college students' pioneer park will be examined first, and then reviewed by personnel bureau, finance bureau and other relevant departments. After examination and approval of the loan discount object and discount amount should be publicized in the unit or community. After publicity, if there is no objection, the Personnel Bureau will issue a notice of approval, and the Finance Bureau will allocate funds from the special funds to support college students' self-employment.

Legal basis: Article 673 of the Civil Code of People's Republic of China (PRC). If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Zhejiang province will provide entrepreneurial loans for college students. What is the positive significance of this policy?

The positive significance of this policy is great. It can attract more people to settle in Zhejiang, which can not only promote the local economic development, but also create more employment opportunities and make Zhejiang's economy more and more prosperous. If you are a fresh graduate and want to start a business, you can go to Zhejiang and seize this opportunity. Even if the enterprise finally fails, the Zhejiang provincial government will help you repay part or all of the loan.

What is the positive significance of this policy?

The better the welfare policy of a place, it will certainly attract more and more people and form a corresponding agglomeration effect, thus driving the development of all industries. Zhejiang's economy is very developed, and tourism, hotel industry and even health care industry are at the forefront of the country. Now we want to vigorously develop the domestic and pension industries and need more young people to come to Zhejiang, so we have launched the welfare policy of entrepreneurial loans. And if you rent a house in Zhejiang, the government will provide you with some corresponding rental subsidies. Such a good welfare policy is unheard of, unheard of and must not be missed.

Introduction of risk loan.

Nowadays, many people have heard that Zhejiang will provide entrepreneurial loans to college students, but they are not particularly clear and have only a little knowledge. This business start-up loan is a business start-up loan for college students specially created by the Zhejiang provincial government. When starting a business, you can apply for a loan of 654.38+ 10,000 to 500,000. If the scale is relatively small, you can also apply for a loan of more than 654.38+ 10,000 yuan, as long as it allows you to start your own entrepreneurial dream. Successful entrepreneurs have the ability to repay loans, create more employment opportunities and let more people go to work in Zhejiang. And those who fail to start a business don't have to worry, the government will pay for college students.

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Bian Xiao thinks this policy is very good. As fresh graduates, students must hold on and don't miss it. If you still have some doubts, you can also consult a counselor or tutor.

Is Zhejiang University Students' Entrepreneurship Loan a Freshman?

Not necessarily!

According to 202 1 preferential policies and support standards for college students' entrepreneurship subsidies in Zhejiang province.

1: Personal commercial secured loan and discount

Enjoy the main body: college students and five-year university graduates.

College graduates working in Zhejiang can enjoy living allowances ranging from 200,000 to 400,000 yuan or housing and rental subsidies.

College students who want to start a business can borrow 654.38+ 10,000 to 500,000 yuan. If the operation fails, the government will compensate the loans below 654.38+10,000 yuan and the loans above 654.38+10,000 yuan by 80%.

College students are engaged in home economics, old-age care and modern agricultural entrepreneurship, and the government gives 65,438+10,000 yuan of entrepreneurship subsidies. College students are employed in these fields, and the government gives employment subsidies of 654.38+10,000 yuan per person every year for three years.

College students go to Zhejiang for internships, and there are living allowances everywhere. Graduates with family difficulties will be given a job-seeking and entrepreneurship subsidy of 3,000 yuan per person. Welcome college graduates from all over the country to work and start businesses in Zhejiang.

How to get a business loan for Hangzhou University graduates?

First, college graduates apply for business loans:

1, college degree or above;

2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.

Two. Preferential policies for entrepreneurial loans for college graduates;

1. College graduates can get a discount loan of up to 300,000 yuan when starting a business in Hangzhou, but they must meet the relevant guarantee conditions;

2. College graduates can get 200,000 ~ 200,000 free subsidies for starting businesses in Hangzhou, and get government subsidies through application;

3. College graduates can get rent subsidies for starting businesses in Hangzhou: per square meter 1 yuan in the first year, 0.5 yuan per square meter in the second year and 0.5 yuan per square meter in the third year. But the maximum is 100 square meter.

4, college graduates business loan period:

The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans from the government, with a term of 1~2 years, after which they will no longer enjoy financial interest subsidies.

Third, college graduates' entrepreneurial loans

There are secured loans and mortgage loans for college graduates to start businesses. Loans should be guaranteed by people with stable income and good credit status. Mortgage means that college students can use their own cars or houses as collateral.

How much can Zhejiang college students borrow for starting a business?

At the press conference, Chen Zhong, deputy director of the Zhejiang Provincial Department of Human Resources and Social Security, introduced that the employment policies for college graduates in Zhejiang are relatively rich. In addition to the urban area of Hangzhou, the restrictions on graduates with college degree or above will be fully liberalized, and the conditions for settling in Hangzhou are bachelor degree or above. College graduates working in Zhejiang can enjoy living allowances ranging from 200,000 to 400,000 yuan or housing and rental subsidies. College students who want to start a business can borrow 654.38+ 10,000 to 500,000 yuan. If the operation fails, the government will compensate the loans below 654.38+10,000 yuan and the loans above 654.38+10,000 yuan by 80%. College students are engaged in home economics, old-age care and modern agricultural entrepreneurship, and the government gives 65,438+10,000 yuan of entrepreneurship subsidies. College students are employed in these fields, and the government gives employment subsidies of 654.38+10,000 yuan per person every year for three years. College students go to Zhejiang for internships, and there are living allowances everywhere. Graduates with family difficulties will be given a job-seeking and entrepreneurship subsidy of 3,000 yuan per person.

Is there any interest on Zhejiang college students' entrepreneurial loans?

In order to encourage graduates to start businesses, promote employment and promote economic development, the government generally provides corresponding preferential policies for college students' entrepreneurial loans, including interest-free. Therefore, college students can repay the principal on time and in installments according to the repayment plan agreed in the contract after applying for the venture loan, and there is no interest to repay.

Of course, it is generally aimed at college students who have just graduated or graduated within two years. If you graduate for more than two years, you can't enjoy the interest-free preferential policy.

In addition, qualified college students must maintain good personal credit and have sufficient repayment ability; Entrepreneurial projects conform to national policies and have certain development prospects. Otherwise, it is impossible to obtain funds through approval.

It should also be noted that in fact, in addition to college students, the government usually introduces interest-free preferential policies for special groups such as laid-off workers, farmers, disabled people and veterans.