Risk loan

Now the government encourages college students to start their own businesses. In order to support college students' entrepreneurship, the state and governments at all levels have issued many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. For college students who plan to start a business, only by understanding these policies can they take the first step in starting a business. What are the specific loans for college students to engage in e-commerce entrepreneurship (such as exploding cats)?

(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 65,438+00% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 65,438+0 years, and the balance can be put in place by stages within 3 years.

(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.

(3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 20,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, 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 5 times of the guarantee fund, and the term is the same as the loan term.

(four) the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep personnel files (including social security, professional titles, file wages and other related procedures) for 2 years for self-employed graduates; Provide free information on the supply and demand of talents and labor force, and publish free recruitment advertisements and other services; To participate in talent fairs or talent service exchange activities, appropriate fee reduction; Provide training and evaluation services for entrepreneurial employees.

What are the conditions for starting a business loan and how much can I borrow?

The basic conditions for starting a business loan are: 18 years old or above, good personal credit, business license of relevant industries, certain ability to repay the principal and interest, and stable business premises.

As for how much money you can borrow, it depends on the credit qualification of the lender and whether to provide collateral and guarantee. The amount of guarantee and guaranteed loans will be higher.

Venture loans are mainly incentive loans for local college students and individuals. The general interest rate is low. .

Venture loan refers to a small credit loan which is different from the current consumer loan and is used to meet the needs of individual entrepreneurs in urban and rural areas.

In terms of loan amount, it belongs to; From the nature of the loan, it is a credit loan and does not need mortgage guarantee; From the perspective of loan targets, it is individual urban and rural residents, not existing enterprises; In terms of loan purposes, it belongs to entrepreneurial loans, which is different from the current consumer loans; As far as the loan name is concerned, it belongs to the nickname of microfinance, which is a China title that conforms to the national conditions; In terms of poverty alleviation effect, it has the highest poverty alleviation efficiency, the largest coverage, the best economic benefits, the highest loan recovery rate and the fastest speed, which can make the national poverty alleviation funds play the greatest role.

It can solve the employment problem of urban and rural people, change employment into independent entrepreneurship, and then stimulate people's creative potential. Providing continuous credit services can effectively prevent the phenomenon of returning to poverty after poverty alleviation. Venture loan aims to highlight and encourage the employment form of self-employment, which is different from personal consumption loan under the employment form.

Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee.

Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years.

In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy a 60% discount from the government.

The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

How to apply for a venture loan?

1. Search the human resources and social security departments of this province as shown in the figure.

2. The window for finding employment and unemployment opens, as shown.

3. Pull the page below and find the startup loan as shown in the figure.

4. The following are the details of the loan and the supporting objects.

1, eligible registered unemployed persons in cities and towns in the province.

2, employment difficulties (including the disabled)

3. Demobilized veterans

4. People released from prison

5. College graduates (including college student village officials and returned students)

6. Resolving employees and unemployed people in enterprises with excess capacity.

7. Migrant workers returning home to start businesses

8. Online merchants

9. Establish file cards for poor people and other types of independent entrepreneurs.

5. Support time

1. The maximum support period of personal business guarantee loan shall not exceed 3 years.

2. The support period for a partnership or joint venture shall not exceed 3 years.

3. For small and micro enterprises and employment promotion bases and business incubation bases recognized by the human and social departments, the longest support period shall not exceed 2 years.

6. Personal commercial loans

1, personal business guarantee loan in poverty-stricken areas, giving full discount.

2. Personal business guarantee loans in other regions are fully discounted in the first year, 2/3 in the second year and 1/3 in the third year.

Second, the partnership venture loan

According to the quota of 6,543,800 yuan per qualified partner, the interest will be discounted with reference to the personal business guarantee loan.

Third, small and micro enterprise loans.

If the amount is less than 2 million yuan, it will be given a discount of 50% of the loan preferential interest rate on the day when the loan contract is signed. If the employment promotion base and business incubation base are within 2 million yuan, the preferential interest rate of the loan will be given in full according to the date of signing the loan contract.

7. Personal business loans

1. Copy of the applicant's ID card and household registration book;

2. Copy of marriage certificate, spouse's ID card and household registration book (unmarried people do not need to issue them);

3. Business license (business license or breeding and breeding contract issued by relevant departments; Enterprise business license can also apply for personal business guarantee loans);

One of the identification materials of 4.9 entrepreneurs;

5. A copy of the counter-guarantor's ID card and proof of salary income; Copy of mortgage or pledge (if the bank bears all risks, this material is not needed).

loan application

The entrepreneur applies to the venture loan guarantee center of the venture project with the application materials. Online application is handled according to the online process.

2. Audit investigation

The local venture loan guarantee center shall verify the authenticity of the application materials, and assign special personnel (at least two persons) to conduct on-the-spot investigation on the applicant's (small and micro enterprises) venture projects together with the handling financial institutions. .

3. Bank loans

According to the opinions of the venture loan guarantee center, the handling bank shall timely issue loans in accordance with relevant regulations and procedures.

8. Click on the policy consultation, and you can see the contact numbers of loan centers in different cities as shown in the figure.

Extended data:

The significance of risk loan;

Maintaining social stability: providing financial support to the poor can make the poor see hope. Venture loan is not only a good way to ensure social stability, but also a moral and political project to win the hearts of the people.

Promote economic development: Venture loan is a financial lever for people to get rid of poverty and become rich. Providing entrepreneurial loans can not only make full use of financial leverage, but also greatly promote the development of individual and private economy, help people get rid of poverty and become rich, and enhance the credit awareness of the whole society.

Deepening financial reform: Venture loan conforms to the national conditions, is the driving force to catalyze the change of financial concepts and accelerate national rejuvenation, and is a unique financial product in the primary stage of socialism.

Opening wider to the outside world: China is a country with a large number of poor people, and start-up loans will play an important role in credit poverty alleviation activities.