The degree country recognizes that the graduation period does not exceed 5 years. College graduates from companies, private non-enterprise units and rural economic cooperatives registered in Tongchuan according to law, returned overseas students, and master's and doctoral students engaged in scientific and technological innovation projects and establishing corporate enterprises in ordinary universities.

Loan application procedures:

1. Application:? Submit relevant materials.

2. Review:? After the acceptance by the talent exchange service center where the project is located, the verification of the borrower's basic situation will be completed online.

3. inspection:? The Lender shall prepare paper materials according to the contents of the application materials in point 4, bind them into volumes in sequence, and report them to the talent exchange service center where the project is located for on-the-spot investigation.

4. agree:? City talent exchange service center to recommend projects to the provincial talent center, the provincial talent center according to the project management institutions for examination and approval of lenders and enterprises (institutions). Meet the conditions, determine the loan amount and duration.

Extended data

Risk loans are divided into secured loans and unsecured loans:

(1) Loan guarantee method:

1, personnel security of party and government organs, institutions and large and medium-sized enterprises.

2. Two or more natural persons with registered permanent residence and stable income security.

3. Provincial and municipal college students' business incubation bases with legal personality can also provide guarantees for entrepreneurial college students who settle in the base.

4. Economic entity guarantee.

5, real estate, production equipment, vehicle purchase invoices, real estate mortgage certificate.

6. The original certificates of deposit and policies are pledged.

(2) unsecured loans

For projects that meet the "Measures for the Evaluation of Unsecured Projects of College Graduates' Venture Funds (Loans) in Shaanxi Province" approved by the Provincial Department of Human Resources and Social Security and the Provincial Department of Finance, unsecured loans of no more than 654.38+10,000 yuan can be obtained after the evaluation level by experts is excellent.

Tongchuan Human Resources and Social Security Bureau-Instructions for Loan Handling of College Graduates' Venture Fund in Shaanxi Province