Zhengzhou University Student Entrepreneurship Loan Handling Process and Supporting Policies

Zhengzhou University Student Entrepreneurship Loan Handling Process and Supporting Policies

College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (undergraduates, postgraduates, doctoral students, etc.). ) issued by banks and other fund issuers. The following is the process and supporting policies of Zhengzhou college students' entrepreneurial loan that I brought with me. I hope it helps you.

Zhengzhou University Students' Entrepreneurship Loan Support Policy (New)

Retired military personnel, migrant workers returning home to start businesses, and all kinds of personnel with Employment and Entrepreneurship Certificate or Employment and Unemployment Registration Certificate start their own businesses, and the loan ceiling is raised to 200,000 yuan, with financial discount; The upper limit of college students' self-employment loan is raised to 300 thousand yuan, and the financial department gives discount.

Small and micro enterprises have also increased their support for entrepreneurial guarantee loans. Small and micro enterprises that newly recruit employees within 1 year and sign labor contracts with them for more than 1 year can apply for loans within 2 million yuan. For enterprises with excellent comprehensive capabilities such as assets, operations, profits and debt repayment, the quota can be relaxed to 4 million yuan.

Other aspects: See what services entrepreneurship can enjoy.

Free training for entrepreneurial instructors.

Select outstanding entrepreneurship training teachers from all over the country, carry out free entrepreneurship training for universities with good entrepreneurial conditions in the region, and encourage designated institutions for entrepreneurship training to enter the campus to carry out entrepreneurship training. Entrepreneurship guidance service centers at all levels, public employment service agencies and universities should use various resources to provide entrepreneurial guidance services for college students, guide them to formulate entrepreneurial plans and entrepreneurial road maps, and carry out entrepreneurial assistance activities.

Zhengzhou Policy: College graduates can participate in 3-day entrepreneurship awareness training and 7-day entrepreneurship training in Zhengzhou Entrepreneurship Guidance Center during the graduation school year.

You can apply for a discount loan if you start a business within 5 years after graduation.

Conditional colleges and universities can set up a "guidance service center for college students' entrepreneurial guarantee loans" to facilitate college students to apply for entrepreneurial guarantee loans and encourage counter-guarantee for their graduates' entrepreneurship. For college students who graduated in the academic year and in the past five years, we will increase the publicity of the policy of entrepreneurial guarantee loans and provide one-on-one guidance to college students who have entrepreneurial intentions and entrepreneurial projects.

Zhengzhou policy: College students in Zhengzhou can start their own businesses, and can apply for a business loan with a financial discount of up to 300,000 yuan.

Subsidize self-employed college students can apply for entrepreneurship subsidies.

Eligible college students who start their own businesses will be given a subsidy of 5,000 yuan each. For start-up small and micro enterprises whose entrepreneurial team is mainly college students and whose registration time is less than 5 years, eligible enterprises can give support funds ranging from 20,000 yuan to 6,543.8+0.5 million yuan.

Zhengzhou policy: Graduates from Zhengzhou colleges and technical secondary schools who start businesses within two years after graduation can apply for business start-up subsidies according to relevant conditions, with a standard of 8,000 yuan at a time.

Application process of Zhengzhou college students' entrepreneurial loan

The application process of college students' entrepreneurial loan in Zhengzhou is: after college students or college students' "village officials" have prepared the materials, they can apply to the small-sum guarantee handling department or trade union, the Communist Youth League, women's federations and other organizations in their communities, and then submit them to the human resources department and guarantee institutions for review in turn, and finally the bank will issue loans.

Zhengzhou college students' venture loan quota

In terms of loan amount, college students also enjoy a higher loan amount than ordinary entrepreneurs, generally not exceeding 50,000 yuan per person, but the maximum loan for graduates of institutions of higher learning or secondary vocational schools can reach 6,543,800 yuan. However, it should be noted that the entrepreneurial projects supported by small secured loans only include commerce, services, processing and production, planting and breeding; Construction, entertainment, real estate sales, land use rights transfer, advertising, housing agency, sauna, massage, Internet cafes, oxygen bars and other projects are not within the scope of preferential loans.

Detailed explanation of college students' loan policy

Financial loan

1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans. For those who can provide effective asset mortgage (pledge) or quality customer guarantee, college graduates can be the main borrowers, and the guarantor can provide corresponding joint guarantee for the stable income or effective assets of their families or immediate family members. For those with good credit standing and guaranteed repayment, financial institutions will give priority to credit support. For college graduates' entrepreneurial loans, credit loans should be appropriately issued on the basis of controllable risks.

2. Simplify the loan procedures. By simplifying the loan procedures, the credit loan amount will be determined reasonably in 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.

In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. A number of banks offer personal business loans to natural persons who have permanent residence or valid residence status in cities and towns and have reached the age of 18. This kind of venture loan requires individuals to use certificates of deposit as mortgage loans, 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 agency' under the government personnel department provides preferential treatment for start-ups free of charge, and provides training, graduates and evaluation services for employees of start-ups

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.

Materials to be prepared:

1. Approval Form for Self-employment of College Graduates;

2. Original and photocopy of graduation certificate;

3. The original and photocopy of my ID card;

4. Registration card;

5. Two one-inch photos;

6. My file needs to be handed over to the graduation office of the Personnel Bureau.

Application conditions:

(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;

(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment;

(5) Open a settlement account in a bank, and the operating income will be settled by the bank.

Steps:

Step 1: Apply. Graduates apply to the Municipal Personnel Bureau with various materials.

The second step: preliminary examination. The Municipal Personnel Bureau is responsible for the pre-loan review of small loans, examining whether graduates meet the loan conditions, and whether the loan application project belongs to the small loan financial discount and meager profit project, and issuing a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.

Step 3: Review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit.

Step 4: Guarantee. The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided.

Step 5: Recognition. The bank shall, jointly with the county (city) Personnel Bureau and the guarantee institution, review the loan project and be responsible for the final examination and approval of the loan application. After examination and approval of the loan, the bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant.

Step 6: borrow money. College graduates (including junior college students, undergraduates and graduate students) engaged in self-employment are exempted from self-employment registration fees, self-employment management fees, and economic contract demonstration text cost. Within 1 year from the date of approval of operation.

In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years.

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