Step 1: Online/telephone registration 1, YBC Youth Business China website (www.), Youth League Committee website www.BJYOUTH.GOV.CN, Beijing Youth Palace website (www.BJQNG.COM.CN) Young Talents page, from which you can download the "business plan template" as a reference for filling out your personal business plan; 2. Send your personal business plan online to BJQNRC@YAHOO.COM.CN, the mailbox of Beijing Young Talents, and submit it to Beijing Office of Youth Business China. Step 2: Conduct a preliminary examination (preliminary screening) of youth entrepreneurship projects through YBC Beijing Office. Step 3: Entrepreneurial young individuals submit relevant materials. The fourth step: through the analysis, joint evaluation, interview and field investigation (secondary screening) of the youth's business plan, business ability and business prospect by the project evaluation Committee of Beijing Office. Step 5: Evaluation and approval by the National Project Evaluation Committee. Step 6: After the project is approved, the entrepreneurial youth will sign relevant agreements; Funding Agreement (Sponsor and Grantee) Entrepreneurial Mentor Funding Agreement (Entrepreneurial Mentor and Entrepreneur) Supplementary Repayment Agreement. Step 7: Entrepreneurial youth get the start-up capital of 30,000-50,000 yuan provided by YBC, and start to repay it within three months, and repay it in three years, before the 5th of each month. : Application conditions for venture loan: 1, fresh graduates, graduates within two years; 2. College degree or above; 3. 18 years old or older. It should be noted that: generally speaking, banks generally need three conditions: pledge, mortgage and guarantee to provide loans to individuals or enterprises. It is not difficult to get a loan if you can provide the information stipulated by the bank and provide appropriate mortgage. The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate The decisive factor of bank loan interest is: 1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. 2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. 3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on. However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks. Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate. The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. To determine the interest rate of loan contracts with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of interest rates set by the central bank. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.