How to apply for college students' entrepreneurial loan in Huainan City, Anhui Province? What are the procedures?

1. How to apply for a college student entrepreneurship loan in Huainan City, Anhui Province? What is the procedure?

/7 1 1f

..........

You can learn about the preferential policies for college students' entrepreneurship.

Second, how to handle college students' entrepreneurial loans?

The specific process of college students' entrepreneurial loans is as follows:

1. Required materials: application form for college students' entrepreneurship funding (commercial loan discount), application form for college students' entrepreneurs, application form for college students' entrepreneurship funding, legal person ID card, household registration book or household registration certificate, graduation certificate (student ID card), business license, tax registration certificate, organization code certificate, capital verification report issued by accounting firm, articles of association, etc.

2. Applicants are required to apply to the Management Service Center of College Students Pioneer Park and submit the above related materials.

2. The management service center of college students' pioneer park conducts a preliminary examination of the relevant materials submitted by the applicant.

3. After passing the preliminary examination, the Personnel Bureau, the Finance Bureau and other relevant departments will conduct an audit according to the scale and quantity of the enterprise to determine the discount amount.

4. The commercial loan discount object and discount amount that have passed the evaluation shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs.

5. If there is no objection after publicity, the Human Resources and Social Security Bureau will issue a notice of approval.

6. Issue loans.

3. What is the employment prospect of Huainan Normal University?

The school environment is beautiful, the teachers are strong, excellent and the employment prospects are good. The school adheres to the principle of service, employment-oriented, focusing on developing employment practice bases and promoting college students' self-employment, paying attention to career selection, employment, entrepreneurship guidance and service, and paying attention to the cultivation of students' comprehensive quality. The comprehensive quality of graduates is good. Over the years, the overall employment situation of graduates in our school has been stable, and the employment rate has remained at a high level. The year-end employment rate of graduates has remained above 95%, and the employment rate of graduates has always been in the forefront of similar universities in the province. In recent years, our school has paid more attention to the improvement of graduates' employment quality, and the proportion of contracted graduates has increased year by year.

In 2009, it was awarded as "Advanced Collective of Employment Work in Anhui Province", and since 2009, it has been awarded as "Demonstration Unit of Employment Work for College Graduates in Anhui Province", "Best Organization Award for College Students' Career Planning and Design and College Students' Entrepreneurship Competition" and "Excellent Organization Award for Employment Research of College Graduates in Anhui Province". In 20 1 1 and 20 12, it won the "Best Organization Award of Teaching Competition of Employment Guidance Course in Anhui Universities", and in 20 13, it won the "Best Organization Award of the First Teaching Competition of Entrepreneurship Guidance Course in Anhui Universities", and it has been continuously awarded the "Innovation of College Students in Anhui Province" since 20 12.

4. How to apply for college students' entrepreneurial loans in Huainan City, Anhui Province? What is the procedure?

1, where college graduates start their own businesses or bid for private enterprises, they can be noted by the industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, they are allowed to apply for special economic zones such as border areas, high-tech parks and economic and technological development zones. In addition to the projects that must be pre-approved, the "commitment registration system" will be tried out. Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where intangible assets such as industrial human capital, intellectual achievements, industrial property rights and non-patented technology are used as investment applications, 40% of the registered capital is allowed to be deducted.

2. Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. For college graduates to apply for high-tech enterprises (including the minimum capital of 654.38+10,000 yuan, if the funds are really difficult, it is allowed to be put in place by stages; The application name can be approved as "high-tech" and "high-tech". College graduates engaged in community service and other activities will be exempted from industrial and commercial 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 Provincial Administration for Industry and Commerce, when the relevant policies have gone through the relevant procedures for self-employment, in addition to all the required materials, they will also present employment recommendation forms, graduation certificates and other related materials. Financial loan

1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, Gaobao can provide corresponding joint guarantee for their families or immediate family members' stable income or effective assets. Make appropriate payment on the basis of good reputation and controllable insurance return.

2. Simplify the loan procedures. By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time. 3. Interest rate preferential interest rate support is based on the legal loan interest rate according to the degree of loan risk.

Reminder: China Bank, China Agricultural Bank, China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other relevant persons. In Rongdu, it is said that the high risk of this kind of loan is the reason why the bank does not offer college students' self-employment loans at present. CITIC has made it clear that banks should consider 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 do not 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 is that they cannot provide effective assets as collateral or pledge. The reporter learned that at present, many banks in Rong have opened personal business loans for natural persons who have permanent residence in cities and towns or valid residence status and have reached the age of 18. This kind of risky loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans.

pay taxes

College graduates who are engaged in self-employment are exempted from paying the tax registration certificate fee 1 year from the date when the business department approves their operation. Newly established urban labor and employment service enterprises (except industries restricted by the state), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees, 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 halved for 2 years with the approval of the competent tax authorities.

Enterprise operation

1. Staff recruitment and training enjoy free discounts. For enterprises founded by college graduates independently, they can inquire about the supply and demand information of talents and labor force and publish job advertisements free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the government personnel and labor security administrative departments within 1 year; Participate in talent recruitment fairs or talent service exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative department of personnel and labor security of the government, and give appropriate fee reductions; The talent intermediary service agencies affiliated to the personnel department of the government provide free training and evaluation services for graduates who start enterprises, and provide preferential treatment for employees who start enterprises.

2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep their personnel files (including social security, professional titles, file wages and other related procedures) free of charge for two years. 3. There are separate channels to participate in social insurance. Self-employed college graduates can apply for social insurance at the individual payment window set up by social insurance agencies at all levels.