entrepreneurship support policies for young college students in Nanjing
1. Application and processing of business license for young college students in Nanjing
(1) Application conditions
1. College students with college education or graduates within five years (including overseas students);
2. There is an intention plan for the entrepreneurial project and it is basically feasible.
(II) Application materials
The originals and photocopies of the applicant's ID card, diploma (student ID card provided by students), business plan and other materials.
(III) Handling Process
The city, district (county) set up a special window for young college students' entrepreneurship service, and the region (county) where the entrepreneurial project industrial and commercial registration (or intends to register) is located will uniformly accept the application, examination and issuance of the Nanjing Young College Students' Entrepreneurship Certificate (hereinafter referred to as the Entrepreneurship Certificate) and provide policy advice for young college students' entrepreneurship.
Young college students studying abroad apply for the Business License for their own business in Ning, which is accepted uniformly at the service window of "Big Founding" in the city.
Young college students' entrepreneurial credentials enjoy various supporting policies.
2. Selection and evaluation of outstanding entrepreneurial projects
(1) Application conditions
1. Applicants for entrepreneurial projects must be qualified young college students.
2. Entrepreneurial projects conform to the industrial development orientation of the Twelfth Five-Year Plan, with novel business model, feasibility, good potential economic and social benefits or good commercial development prospects.
(II) Acceptance of application
The application can be made at the service window of "Big Founding" in the city, district (county), or online through "Nanjing University Student Entrepreneurship Network", and the following materials shall be provided when applying:
1. Identification documents of the core members of the entrepreneurial project;
2. Business project plan (materials recommended by experts can be attached).
The award-winning projects participating in various college students' entrepreneurship competitions can be reported to the service window of "Big Founding" in the city through the organizing committee of the competition.
(III) Project Evaluation
The district (county) Dachuang will summarize the application materials every Friday and upload them to the city Dachuang through the "Nanjing University Student Entrepreneurship Network" for unified summary. The city's "Grand Founding" conducts initial screening of the declared projects, and in conjunction with Nanjing Zijin Technology Venture Capital Group, according to the industry types of the venture projects that have been preliminarily screened and evaluated, invites experts to regularly review and announce them to the public.
(IV) Appropriation of funds
After the selected outstanding entrepreneurial projects and particularly outstanding entrepreneurial projects are evaluated and registered in industrial and commercial registration, they will be given subsidized investment according to the provisions with the Entrepreneurship Certificate. 5% of the funds will be directly subsidized by the government, and 5% will be invested by Angel Fund of Zijin Science and Technology Venture Capital Group (implemented according to the Measures for the Administration of State-owned Assets and the Detailed Rules for Zijin Science and Technology Innovation Angel Fund). Zijin Angel Fund will be put into the special account of Nanjing Bank for special purposes.
III. Identification and subsidy of the carrier of college students' entrepreneurship
(1) Governments at all levels in the city, district (county) should give full play to social forces and build college students' entrepreneurship parks (bases) in various forms. The identification criteria for Nanjing College Students' Entrepreneurship Parks (bases) are:
1. There are complete development plans and directions, complete service functions and systems, good operation and normal enterprises (.
2. The business park area should be more than 5, square meters, and the business incubation base area should be more than 2, square meters;
3. There are professional management service organizations and complete supporting services;
4. The enterprises settled in the park are legally operated and employed, and the initial entrepreneurial college students account for more than 5% of the total number of enterprises in the park.
(2) All entrepreneurial parks that meet the accreditation standards of Nanjing University Student Pioneer Park (base) shall submit application materials to the district (county) "Dachuang" according to the principle of territorial management, and the "Dachuang" organization of the city will conduct on-site acceptance assessment. If it is recognized as "Nanjing University Student Pioneer Park (base)" after acceptance, the municipal finance will allocate one-time incentive subsidies for building the park respectively according to the construction scale and standards.
(3) The construction and operation of the "City College Student Demonstration Pioneer Park" will be supported by the municipal finance. Qixia District, Jiangning District and Pukou District are supporting the construction of three college students' business incubation bases in or near the university town.
IV. Application and handling of entrepreneurial sites and public rental housing
(1) Young college students who hold the Entrepreneurship Certificate need to provide support for entrepreneurial sites, they can apply to the city, district (county) "Dachuang", which provides services such as free recommended admission to the park. For projects staying in the entrepreneurial park, the county (development park), where the college students set up their enterprises, provides free sites or rents according to regulations.
(2) Young college students who start their own businesses without their own housing can apply to the special community for priority in public rental housing if they start their own businesses in Zijin Science and Technology Entrepreneurship Special Community; Young college students who start a business outside the Zijin Special Community can apply for "big start-up" in the tax-paying region (county) with the "Business Start-up Certificate", and the municipal, district (county) public rental housing management department will give priority to it.
V. Application and handling of venture financing policy support
(1) Small secured loan and discount application
1. Personal loan application
Application conditions
(1) The applicant has no bad credit record or other economic violations;
(2) The applicant shall go through the necessary counter-guarantee procedures such as property mortgage, pledge and personal guarantee;
(3) The applicant should have more than 5% of the funds or assets needed for starting a business;
(4) other administrative examination and approval procedures required by law.
Application materials
(1) The applicant fills in the original and photocopy of the Application Review Form for Self-employment Loan of College Students in Nanjing and the Authorization Letter for Entrusting Personal Credit Information;
(2) the original and photocopy of the applicant's household registration certificate and business license;
(3) originals and photocopies of business license and tax registration certificate;
(4) summary of the business plan.
2. Application materials for small loans for partnership
(1) Original and photocopy of the Business License for starting a business;
(2) The leader or partner holds the "Organization Employment Agreement" and the "Commitment Letter for Repayment Responsibility of Small Guaranteed Loan" or "Partnership Agreement" signed by the members of the organization; The original and photocopy of the household registration book, real estate license, business license and lease agreement of business premises of the leader and members of the organization.
3, loan processing
Young college students who meet the conditions for applying for small loans, with application materials, apply for loans to the "Big Founding" service window of the county where the enterprise was founded in industrial and commercial registration, and report to the "Big Founding" of the city for review. After applying for loans, they will agree on the loan term with relevant supporting materials. Engaged in self-employment and partnership entrepreneurship, the maximum can apply for a small secured loan of 1, yuan and 5, yuan respectively.
4. Discount processing
Anyone who meets the above conditions for small loans can apply for a small loan discount at the same time. Those who engage in low-profit projects will be given a full discount by the finance, and those who engage in non-low-profit projects will be given a 5% discount by the finance. Specific application conditions, application materials (originals and photocopies) and handling procedures can be found and downloaded from "Nanjing University Student Entrepreneurship Network".
(II) Application for matching funds for venture capital
Anyone who holds a "business license" and obtains special fund support and social venture investment at or above the provincial level on the platform of entrepreneurial projects (except those who have already enjoyed the funding of excellent entrepreneurial projects) can apply for supporting funds from the government free of charge to the city's "Big Founding" on the basis of valid supporting materials for financing.
after the city's "big start-up" is examined and confirmed, it will be reported to the municipal finance department to provide supporting support according to 1% of the total amount of funds or financing for a single venture project (the maximum amount is not more than 1, yuan).
(III) Application for discount interest on commercial loans for small businesses
1. Application conditions
(1) Small businesses founded by young college students can apply for commercial loans for small businesses in various deposit-taking financial institutions in Nanjing. After repaying the principal and interest, applying for discount interest on government loans must meet the following conditions: the number of unemployed people (including college graduates) holding the Employment and Unemployment Registration Certificate has reached more than 3% of the total number of employees in the enterprise (more than When applying for discount, the number of new recruits who have actually been employed for more than one year is still above 3% of the total number of employees at that time (15% of enterprises with more than 1 employees).
(2) The loan enterprises applying for commercial discount are located in industrial and commercial registration and Nanjing, and their business projects are in line with the provisions of national laws, regulations and policies, except for national restricted industries.
2. Handling process
(1) Discount is filed when applying for a loan. Within one month after starting a business, young college students can obtain a commercial discount loan, and fill in the Record Form for Labor-intensive Small Business Loans with a copy of the business license, a copy of the tax registration certificate, the financial statements at the end of the latest year, the roster of on-the-job personnel (the seal of the enterprise is valid), the Employment and Unemployment Registration Certificate of the employed unemployed and college graduates, the labor contract, the social security payment certificate, the copy of the loan contract, the copy of the loan issuance certificate and other materials, and submit it to the municipal "Big Establishment"
(2) Apply for discount after repaying the principal and interest, and fill out the Application Form for Loan Discount for Labor-intensive Small Enterprises. By the city's "founding" to absorb employment and absorb the proportion of re-approved, sent to the financial sector for discount.
(3) The Municipal Finance Bureau shall review the relevant materials within 1 working days after the materials are submitted by the "Big Founding" of the city, and allocate the discount amount to the loan enterprise after verification.
Jiangning District, Pukou District, Liuhe District, Lishui County and Gaochun County (hereinafter referred to as "the original five counties") can formulate corresponding operation methods according to their own conditions, and report the results to the "Big Founding" of the city for the record.
Nanjing's policy of supporting college students' entrepreneurship
In recent years, Nanjing has promoted entrepreneurship to achieve higher quality employment for college students, and has successfully supported more than 6,2 college students' entrepreneurship for more than two years. This year, Nanjing has further improved the entrepreneurial promotion mechanism linked by the government and society, and the entrepreneurial support mechanism linked by fiscal and taxation policies, giving full play to the linkage advantages of government departments, universities, entrepreneurial parks and financial institutions in promoting college students' entrepreneurship, and opening up more convenient green service channels such as financing, registration and tax payment for college students' entrepreneurship in Nanjing. Recently, a series of investigations by Nanjing investigation team show that there are still some problems in the specific implementation of various policies.
1. There are many kinds of projects for reduction or exemption, but the actual preferential strength is not great. At the initial stage of enterprise start-up and operation, there are dozens of charging items, and most of the items exempted by preferential policies at all levels are some handling fees and certificate fees, such as tax registration certificate exemption, notary fee exemption and talent exchange service fee exemption. The preferential fees add up to only a few tens of yuan, and the more is several hundred yuan. Compared with the funds needed by students to start a business, these expenses account for a very small proportion.
second, tax incentives are of little help to start-ups, and some entrepreneurial incentive policies are difficult to cash. Tax relief for student start-ups is an obviously oriented policy, especially for small and micro student start-ups, which has certain practical significance. However, compared with the large amount of funds needed for market development and product research and development, the role is not great. Another example is that one of the conditions for applying for policies such as encouraging employment by starting a business is to require employees to pay social security for a certain period of time. Due to the limited funds of start-ups, most of them are used for R&D and business expansion, some small and micro enterprises are unable to pay social security for employees, and it is difficult to apply for relevant incentives, tax incentives and other policies. The person in charge of Nanjing City Star Network Technology Co., Ltd. said that although the company has recently received an angel investment of 5 million yuan, when preparing to formally recruit personnel, it is initially estimated that the minimum social security fee for each employee is 1,1 yuan per month, and the social security fee for recruiting 4 employees is only 5.28 million yuan per year. However, considering maintaining the corporate image and striving for preferential policies, it is in a dilemma whether to pay social security for employees at the beginning of the business.
third, the threshold of secured loans is relatively high, the loan cost is still high, the repayment period is short, and the way to repay the loan principal is not humanized. College students and most recent graduates lack fixed assets as collateral to apply for loans, while secured loans require local career establishment or administrative establishment personnel as guarantors. Most college students are non-Nanjing people, and their contacts are not wide. Most guarantors are school teachers, and few people actually apply for loans. The person in charge of Nanjing Lutao E-Commerce Co., Ltd. reported that the term of secured loans is generally 1 to 2 years, and the company borrows a loan of 1, yuan for 2 years. After 5% discount subsidy from the government, the enterprise still has to bear the annual interest rate of 4.5%. The person in charge of Nanjing Ningxin Purification Engineering Co., Ltd. reported that when an enterprise applies for a one-year loan of 1, yuan, it can't repay the interest every month and the principal and interest at the end of the month in one lump sum. It needs to pay about 8,7 yuan of principal and interest every month, and the loan costs more than 8, yuan to buy transportation and office equipment. After the monthly operating income pays the principal and interest of the loan, it is almost "moonlight".
The latest policy for college students' entrepreneurship in Nanjing
A. For those college students with college education or above, who are studying and have graduated for five years, no matter they are locals or foreigners, they also enjoy free venues or rent subsidies and micro-loan policies.
B. Returnees who have returned from overseas study can participate in the Entrepreneurship Competition. After the appraisal results, those outstanding entrepreneurial projects will be given a one-time subsidy of 1, to 2, yuan each, and those outstanding entrepreneurial projects will be given a one-time subsidy of 5, yuan each.
C, for those young people who promote employment, the unemployed registered in this city or those with employment difficulties will be absorbed with the Employment Unemployment Registration Certificate within three years after starting a business, and they will be paid insurance for one year, and each person will receive a subsidy of 1,5 yuan.
D, for those who have already received the Employment and Unemployment Registration Certificate and need to start a business, they can receive a subsidy of 4, yuan with a business license after registering the company. ;