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Second, do college students need a guarantor for starting a business loan?

No need.

The government has set up a guarantee fund for college students' entrepreneurial loans to provide unsecured loans for college students' entrepreneurial enterprises within five years of graduation, with a maximum amount of 2 million yuan.

Declaration conditions:

1, college students start their own businesses within 5 years after graduation or at school;

2. The enterprise legal person and major shareholders (accounting for 30% or more of the shares) are college students who have been in school or graduated within 5 years;

3. The business model is feasible;

4. The secured loan amount shall not exceed 2 million yuan.

Extended data:

Declaration process:

1, online application and on-site submission of materials for college students' entrepreneurial enterprises;

2. The Municipal Bureau of Human Resources and Social Security shall organize the review of the application materials (10 working day);

3. Check the business and financial situation of college students' venture loan guarantee fund and cooperative banks (15 working days);

4. The Municipal People's Social Security Bureau will publicize the inspection results after receiving the feedback from the guarantee fund and the handling bank (3 working days);

5. The cooperative bank signs a loan agreement with the applicant and goes through relevant formalities.

Third, do college students need a guarantor for starting a business loan?

Legal analysis: No, the subsidy standard for job hunting and entrepreneurship in school is 800 yuan/person, and each person can only enjoy 1 time, and people with multiple identity categories cannot enjoy it repeatedly. College graduates from low-income families, poor families with disabilities, poor families with established files and poor people, and disabled college graduates who have the willingness to find jobs and start businesses in Chongqing universities during the graduation year can apply. For qualified entrepreneurial organizations, a one-time entrepreneurial subsidy of 8,000 yuan will be given. For each entrepreneurial organization that employs 1 registered workers in this city and pays social insurance premiums for them for a total of six months, it will be given a subsidy of 1 10,000 yuan, and the total subsidy of each entrepreneurial organization will not exceed 1 10,000 yuan. Legal basis: Article 40 of the Regulations for the Implementation of the Enterprise Income Tax Law of People's Republic of China (PRC), employees' welfare expenses incurred by enterprises that do not exceed 14% of the total wages and salaries are allowed to be deducted. Forty-first trade union funds allocated by enterprises according to the proportion of total wages not exceeding 2% shall be deducted. Forty-second, unless otherwise stipulated by the competent department of finance and taxation of the State Council, the part of the employee education expenses incurred by the enterprise that does not exceed 2.5% of the total wages and salaries is allowed to be deducted; The excess shall be allowed to be carried forward and deducted in future tax years. Forty-third business entertainment expenses related to production and business activities of enterprises shall be deducted according to 60% of the amount incurred, but the maximum amount shall not exceed 5‰ of the sales (business) income of the year. Article 44 Unless otherwise stipulated by the financial and tax authorities in the State Council, the eligible advertising expenses and business promotion expenses incurred by the enterprise shall be deducted if they do not exceed 0/5% of the sales (business) income of the current year; The excess shall be allowed to be carried forward and deducted in future tax years.

Fourth, do college students need guarantors and pressure to start their own businesses?

Depending on where you handle it, banks generally need to provide guarantees and mortgages or mortgage real estate. But sometimes it depends on your project, for example, or to put it bluntly, it is only.