How to handle the small secured loan to promote women's entrepreneurship and employment in Linyi City?

1. How to handle the small secured loan to promote women's entrepreneurship and employment in Linyi City?

The policies of each region will be different, but they will generally be handled in the following three places. First, the Labor Bureau has a special department to provide preferential treatment and handling for re-employment, and finally, the Civil Affairs Bureau. Young people want to start a business, first of all, capital, then entrepreneurship, then professional ability, and finally luck. I suggest that those who want to start a business choose 1-3 industry. It is suggested to go to the shops in this industry for internship or part-time job to learn experience. Secondly, through this period of time, I will see if I still have it and whether it is suitable for those industries that need to prepare funds, all of which are self-employed, and other industries with general market competitiveness and strong plasticity; 2. Don't be a market with great market potential; 3. Industries with less investment and quick results. At the same time, I hope my answer will help you. You are welcome to come to me at any time to learn from each other. Don't start a business blindly.

Second, can women's entrepreneurial loans be applied across regions?

You have to go through many formalities first, such as the certificate from the civil affairs department, the certificate from the industrial and commercial bureau, etc., and then you can go to the bank designated by your local special college student loan! Enterprise registration 1, the procedure is more simplified. Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration halls of 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, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". 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 the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 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. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". 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, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring the Employment Recommendation Form for College Graduates, graduation certificates and other related materials when going through the relevant procedures for starting their own businesses. Financial loan: 1, priority loan support, appropriate credit loan. 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, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks. 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. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate. Reminder: Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other relevant persons in Rong Bank all said that at present, the bank has not started the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person from the office of CITIC Industrial Bank Fuzhou Branch said that banks should consider the security of funds 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. In terms of tax payment, all college graduates who are engaged in self-employed business are exempt from paying the tax registration certificate fee within 1 year from the date when the business is approved by the industrial and commercial department. 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. In terms of business operation, 1, employees can enjoy free discounts on employment and training. For enterprises founded by college graduates independently, they can inquire about the supply and demand information of talents and labor and publish job advertisements free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the administrative department of personnel and labor security of the government within 1 year from the date when the industrial and commercial departments approve their operation; 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.

3. Does the application place of the business start-up employment permit have to be local? Can I apply in different places?

Procedures for handling risky loans

0 1. Confirm the start-up capital (about 40,000 yuan) and the guarantor, and finalize the capital.

02. The loan applicant submits a written application (loan application and business plan) to the community labor and social security service station where he lives, and the community labor and social security service station accepts it according to the relevant policies, and investigates the relevant operation and credit status. Find out the information and documents you need.

03. Confirm whether the community labor security service station has the consent intention, if so, rent the facade and sign the lease contract (ask for a copy of the real estate license); Transfer accounts, apply for employment unemployment registration certificate and self-employment certificate; Apply for business license, tax registration certificate and health permit.

04. Contact the community labor and social security service station and provide it with business license, tax registration certificate, employment and unemployment registration certificate and other documents. The community labor and social security service station issues relevant forms, and the loan applicant fills in and completes the declaration and registration.

05. After the first trial in the community, the loan applicant will bring relevant materials to the Municipal Bureau of Labor and Employment for review and return them to the community labor and social security service station. The community labor security service station will file the household registration book, ID card, business license, tax registration certificate, employment unemployment registration certificate and other materials of the loan applicant and submit them to the District Labor and Employment Bureau.

06. The District Bureau of Labor and Employment will collect and review relevant data and report to the Municipal Bureau of Labor and Employment and the Municipal Guarantee Company on a regular basis. The municipal guarantee company, the Municipal Finance Bureau and the Municipal Employment Bureau shall organize relevant personnel to verify the application materials and business conditions, and notify the community labor security service station where the loan applicant is located after confirming the loan amount.

07. The community labor and social security service station informs the loan applicant to receive the financial discount form at the small secured loan window of the municipal human resources market, and go through the discount formalities at the Municipal Finance Bureau for review. The loan applicant shall go through the relevant loan and counter-guarantee procedures in the human resources market window of the city. City commercial banks issue loans to loan applicants according to the notice of city guarantee companies.

(If the loan applicant is guaranteed by a credit union or a civil servant, he can apply for registration in the local community, and go directly to the small-sum secured loan window of the human resources market to go through the formalities of small-sum secured loans, and be exempted from the counter-guarantee procedures. )

Hope to adopt! !

4. Can the enterprise venture guarantee loan be handled across regions?

Yes, many enterprises have loans in different banks, as long as they meet the requirements of this bank. If it is China Merchants Bank, the property used for mortgage and the loan agency must be in the same city, and personal mortgage loans do not accept collateral from different places.