The amount of college students' entrepreneurial loans is 50,000-80,000 yuan, which can generally be loaned for 2 years. The loan applicant needs to provide counter-guarantee for the loan. Loan projects will be subsidized in accordance with the relevant provisions of the state and the autonomous region.
Fresh college graduates, unemployed college graduates, and college students (including entrepreneurial teams) who start their own businesses for the second time can apply for entrepreneurial loans in the local labor and social security departments.
The application of college students' entrepreneurial loans needs certain conditions. Applicants should have specific business projects and obtain business licenses, and participate in SIYB training organized by the Communist Youth League and the labor department before applying for loans.
The following are the relevant preferential policies implemented by the state for college students' entrepreneurial loans.
I. Enterprise registration
1. The program 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 and exempt various fees.
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 Industrial and Commercial Bureau, 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.
Second, financial loans.
1. Give priority to loans and issue credit loans appropriately.
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. Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide small loans for graduates who start their own businesses, simplify procedures and facilitate account opening and settlement. The loan amount is about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.
Simplify the loan procedures By simplifying the loan procedures, we can reasonably determine the credit line and use it for a certain period of time.
Interest rate concessions provide certain preferential interest rate support for venture loans. Depending on the degree of loan risk, it can float down or down appropriately on the basis of legal loan interest rate.
Reminder: Bank related persons such as China Bank, China Agricultural Bank, China Construction Bank, Minsheng Bank, CITIC Industrial Bank, etc. It is said that the bank has not yet launched the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person concerned in the office of CITIC Industrial Bank said that banks should also consider their security 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. At present, a number of banks have offered personal business loans to natural persons with permanent residence or valid residence status in cities and towns and over the age of 18. This kind of risky loan requires individuals to take mortgage loans, or real estate mortgage loans and secured loans.
Third, pay taxes.
College graduates who are engaged in self-employment are exempted from tax registration certificate 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.
The above preferential policies are formulated by the state for all self-employed college students. In order to support local college students' entrepreneurship, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality.
To sum up, it is Bian Xiao's relevant answer to the amount of college students' entrepreneurial loans. I hope these answers can help you
Legal basis:
People's Republic of China (PRC) Civil Code
Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.
Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.
Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.