Super! College students' self-employment strategy!

Super practical! College students' self-employment strategy!

In recent years, the employment situation has become increasingly severe, and more and more college students are trying to take the road of entrepreneurship. The state, society and universities all strongly support this, and many college students start their own businesses. However, due to the lack of experience, awareness and ability, college students still face many difficulties in starting a business, and some people don't even know where to start.

In order to support college students' entrepreneurship and solve the social employment pressure. Start a business in China. Com collects and sorts out many information such as preferential policies and loans for college students' entrepreneurship, hoping to help graduates realize their entrepreneurial dreams.

Policy article

In June 2003, after the State Administration for Industry and Commerce issued the Notice on Preferential Policies for Self-employed College Graduates in 2003, various provinces, municipalities and autonomous regions successively issued similar policies, followed by preferential loan policies. These policies are summarized as preferential policies for college students' entrepreneurship, which are summarized as follows.

(1) Registration discount. One is the simplification of procedures. Anyone who applies for self-employment or bidding for private enterprises can give priority to registration through the registration halls of industrial and commercial departments at all levels. The applicant only needs to submit the registration application, capital verification report and other major registration materials before issuing the business license, and fill in the relevant materials according to the regulations within a certain period of time; The second is to reduce fees. Except for industries restricted by the state, the industrial and commercial departments shall exempt individual industrial and commercial households from registration fees, management fees and various license fees within 1 year from the date of approval of their operation. If it is really difficult to apply for a high-tech enterprise, and the registered capital is not up to the minimum, it is promised to be in place by stages. College graduates engaged in community service and other activities are exempted from industrial and commercial registration and various industrial and commercial administrative fees within a certain period of time.

(2) Preferential financial loans. First, give priority to loan support and issue credit loans appropriately. 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. If the credit standing is good and the repayment is guaranteed, credit loans shall be appropriately issued on the basis of controllable risks; The second is to simplify the loan procedures; The third is interest rate concessions. 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.

(3) Tax reduction or exemption. For newly established enterprises or business units engaged in consulting, information and technical services, for newly established enterprises or business units engaged in transportation, post and telecommunications, and for newly established enterprises or business units engaged in public utilities, commerce, foreign trade, tourism, warehousing, residents' services, catering, education, culture and health, it is necessary to achieve "a sense of security for the elderly, a sense of security for the young and a sense of poverty"

(4) preferential treatment for employees. First of all, employees can enjoy free recruitment and training discounts. In a certain period of time, you can query the supply and demand information of talents and labor force on relevant websites for free, and publish job advertisements for free. The talent intermediary service institutions affiliated to the government personnel department provide free training and evaluation services for graduates and entrepreneurial employees; Second, personnel file management is exempt from a certain number of years. Personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep personnel files for two years free of charge; Third, social insurance participation channels are separated. Self-employed college graduates can apply for social insurance at the individual payment window set up by social insurance agencies at all levels.

Loan article

The most fundamental difficulty for college students to start a business is the lack of funds. In order to solve this problem, the state has issued a preferential policy of interest discount for college students' entrepreneurial loans. Financial experts also provide several loan schemes for college students for reference.

Scheme 1 Borrow parents' power to mortgage loans in the bank.

Many college students start businesses with their parents' first money, but their parents' money is their hard-earned money for decades, so they can take the risks of starting businesses. Some independent college students are reluctant to do so. In fact, they can borrow their parents' real estate and get a mortgage in the bank in another way. On the one hand, it does not need to use parents' funds, on the other hand, it helps entrepreneurs to raise funds, and at the same time gives them the pressure to repay, so that they can run their enterprises more attentively. Many commercial banks will give customers different credit ratings according to their age, marriage, occupation, past credit and personal and family property status. For young graduates with incomplete credit files, it is difficult to obtain loans on their own. Therefore, banking experts suggest that graduates can consider using their parents' real estate, certificates of deposit, marketable bonds or insurance policies to apply for mortgage or pledge loans. However, it is worth noting that banks are very cautious in issuing such loans at present, and generally need collateral, such as real estate and shops. In order to avoid risks, the approval process for lending such products is cumbersome and lengthy.

Scheme 2 is in urgent need of funds, and you can consider pawn loans.

Generally, it is more complicated to apply for a loan from a bank, and it takes some time to issue the loan. What should I do in case of emergency? At that time, there was a faster way, that is, pawn loans. Although compared with bank loans, the cost of pawn loans is high and the loan scale is small, but pawn loans have their own unique advantages, that is, they are fast and can even be handled immediately. Moreover, the pawnshop has almost zero credit requirements for customers, which can save complicated authentication procedures. In addition, when a customer borrows money from a bank, the purpose of the loan cannot exceed the scope stipulated by the bank, and the pawnshop does not ask about the purpose of the loan, so the use of the loan is very free.

Option 3: Unsecured loan to revitalize your capital.

The loan amount of micro-credit is more than 1 10,000 yuan to 1 10,000 yuan, and it will arrive within three days at the earliest, which is more suitable for low-cost entrepreneurial projects. Are there any loans that don't need guarantee or mortgage? The answer is yes. Jiangmen Branch of Postal Savings Bank launched the microfinance business this year. The loan does not need any mortgage, as long as it is guaranteed by a qualified guarantor. This kind of loan is relatively simple and fast, but it is only applicable to individual merchants or small enterprises that have already registered for industry and commerce.

For college entrepreneurs, industrial and commercial registration can be conducted with low initial capital, and then they can apply for small loans from the Postal Savings Bank through their relatives and friends who have stable income jobs as guarantees. Generally, the amount of micro-loans issued by the Postal Savings Bank is from 1 1,000 yuan to 1 1,000 yuan, which can be received within three days at the earliest, which is more suitable for low-cost entrepreneurial projects.

Guiding article

Many college students want to start a business, but they can't find the most suitable entrepreneurial projects, and sometimes they just don't have the funds. In fact, these are not problems. The key to college students' entrepreneurship lies in whether they can have enough innovation, good ideas and find the right entrepreneurial direction:

The first is the direction of science and technology services.

College students can make some scientific research achievements according to their hobbies, but these scientific research achievements are often difficult to be converted into commodities, let alone directly used for entrepreneurship. Some of our enterprises, especially some large and medium-sized enterprises, will have many scientific and technological problems. College students can strengthen contact with enterprises through teachers and schools, take enterprise problems as research topics, and provide scientific and technological services for enterprises. If a scientific and technological service achievement can become a long-term supporting product or service for large enterprises, it will lay a stable foundation for entrepreneurs.

Second, the direction of intellectual services

With the development of social economy, service industry plays an increasingly important role in our life. College students should give full play to their knowledge advantages and choose some intellectual services that require knowledge and expertise, such as translation, computer maintenance and tutor training. , or apply software design to some traditional industries, small and medium-sized enterprises, businesses and business chain fields.

Third, the direction of e-commerce.

Now the network has become more and more popular, and it has become another stage in people's lives. E-commerce has low cost and is not limited by time and space. College students learn and use computers since childhood. They can use their knowledge and skills to start businesses and do e-commerce. In this regard, college students should not stop at opening online stores and buying and selling traditional goods, but should provide some online intellectual services or some creative e-commerce according to their own characteristics. For example, students studying international trade can seek international orders through the internet; Provide online sales for traditional industries; Provide external information for small and medium-sized enterprises to go abroad; Establish virtual office services and so on.

Fourth, creative shops.

The university campus is a creative distribution center, which brings space for many unique and creative things. College students are young, energetic and active in thinking, and like to accept new and fashionable things. The operation of the small shop is relatively simple, and the requirements for social experience, management, marketing and finance are not high. Therefore, college students can give full play to their own characteristics and open some creative shops. For example, innovative fruit and vegetable shops, dessert shops, children's painting workshops, toy bars for adults and the elderly, diy shops for embroidery crafts, personalized home decorations, jewelry stores, beauty salons and so on.

Verb (abbreviation for verb) franchise chain direction

Franchise chain is a successful business model. Franchise chains in developed countries occupy a high proportion in commercial operations, but the proportion in franchise chains is not high, and there is still a lot of market space. Franchise chain can provide franchisees with successful models and experiences. For college students, starting a business by joining a chain can make up for their own shortcomings, quickly master the experience and knowledge needed for starting a business, reduce risks and improve the success rate of starting a business. The key to starting a business through franchise chain is to find a project with a perfect franchise chain system that suits you.

College students' entrepreneurship has both advantages and limitations. College students are positive, energetic and like to accept new things. Learning in school has enabled them to have certain professional knowledge. However, due to not entering the society, there are some deficiencies in business awareness, social experience, enterprise management, finance, marketing and so on. Therefore, college students should foster strengths and avoid weaknesses in the choice of entrepreneurial direction, and find a road suitable for their own development.

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