The credit support of financial institutions in lending institutions includes priority loan support, appropriate credit loans, simplified loan procedures and preferential interest rates. The difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge.
1. Give priority to loan support 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.
2. Simplify the loan procedures.
By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time.
3. Preferential interest rate.
Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the 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. While pursuing the profitability and liquidity of funds, banks should also consider its security. 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.
The second is the personal operating loan quota of major banks.
Personal loan lines of China Everbright Bank, China Guangfa Bank and China Bank.
1, China everbright bank:
It also launched a "personal employment loan". "Personal employment loan" includes many detailed products such as personal and private owners' working capital loan, study abroad loan, student loan and "construction machinery loan".
According to the different loan methods, it can be divided into single loan (that is, the starting point of one-time loan granted by the bank to eligible borrowers is 65,438+0,000 yuan, and the longest loan period does not exceed 5 years) and loan line credit (that is, you can apply for a loan from the bank at any time within the credit line and the validity period, and the repaid part of the loan line can be recycled without repeated mortgage, pledge or guarantee).
2. Guangfa Bank:
Beijing Branch launched the "Private 100" plan for private enterprises, focusing on encouraging individuals to establish private enterprises and the further development of existing private enterprises. Among them, the "Venture Insurance" series of financial products, in view of the good property status of individual shareholders of private enterprises, give individual credit lines to shareholders of private enterprises and provide mortgage (pledge) services for houses, land and securities (including bank deposit certificates and underwriting government bonds). ), the joint and several liability guarantee of natural persons and legal representatives, as well as personal venture loans and joint company loans under other guarantee methods recognized by Guangfa Bank.
3. Bank of China:
Jointly launched with some guarantee companies in Beijing a "personal venture capital loan" with a maximum amount of100000 yuan.
There are two loan methods: one is personal project investment loan, which is suitable for customers' medium and long-term large investment capital demand and highlights the characteristics of venture capital. The longest loan period can reach 5 years, and the maximum loan amount can reach100000 yuan. We can also tailor different repayment methods according to customers' needs, such as monthly or quarterly repayment of principal and interest. Second, personal short-term liquidity loans are suitable for customers' short-term liquidity needs and reflect the characteristics of auxiliary business operations. The maximum loan amount of this product can reach 7 million yuan, and the loan period does not exceed 1 year. High-quality customers can also apply for "one-time credit and recycling" revolving loans, which can be recycled within the approved credit line.
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.
Different cities have different quotas.
Among the individual entrepreneurship loans, there are different provisions on the loan amount between college students' individual entrepreneurship loans and youth entrepreneurship loans. The amount of this college student's entrepreneurial loan has its own policies and regulations all over the country. Let's look at the rules of some big cities.
1, Beijing-entrepreneurs in Chongwen District can borrow up to 500,000 yuan, and the district finance will give preferential treatment.
2. Shanghai-Shanghai has set up an "angel fund" for college students' entrepreneurship. The maximum loan for college students to start a business is 300,000 yuan, and college students can get 50,000-300,000 yuan for starting a business. \ \ \ "Angel Fund \ \ \" has two kinds of entrepreneurship funding schemes: \ \ "Entrepreneurship Eagle Scheme \ \" and \ \ \ "Entrepreneurship Eagle Scheme \ \ \" to provide financial assistance to young entrepreneurs in the form of debt and equity, and provide corresponding follow-up support and services.
The "Young Eagle Project" refers to the way that the Foundation issues micro-credit loans to start-ups through entrusted banks. The loan period is two years, half of the principal is repaid in equal monthly installments, and the other half is repaid after the loan expires. The amount of funding for entrepreneurs and individual entrepreneurial projects shall not exceed RMB 200,000.
"Entrepreneurial Eagle Plan" refers to the funding mode that the foundation and the applicant jointly contribute to the establishment of an entrepreneurial enterprise, and the holding institution holds shares in the entrepreneurial enterprise. Projects funded by the "Entrepreneurship Eagle Program" must have technical content or certain business model innovation. The amount of funding does not exceed 500,000 yuan. The self-raised funds of the entrepreneurial team should be higher than the amount of fund support. During the capital contribution period (3 years), the equity of the company held by the Fund will not participate in dividends. After the capital contribution period expires, the equity will be withdrawn at the original price.
3. Chongqing-University graduates who have not been employed for more than half a year and have a fixed hukou can register in the neighborhood Committee where their hukou is located and apply for bank mortgages and secured loans of 3,000 to 4,000 yuan.
4, Taiyuan-Taiyuan registered unemployed college graduates, who want to start their own businesses, can apply for a small secured loan of no more than 50 thousand yuan for college students' personal business loans.
5. Fujian-According to the local college students' self-employment loan policy, college graduates can enjoy the discount policy of small secured loans and other forms of small loans. The maximum amount of discount loans is 50,000 yuan, and the finance will give full discount within 3 percentage points of the benchmark loan interest rate announced by the People's Bank of China for the same period.
6. Qingdao-Qingdao allocated100,000 yuan to set up the "Qingdao University Graduates Entrepreneurship Support Fund" to support college graduates to start their own businesses. College graduates can apply for college students' entrepreneurial loans, with the maximum loan amount not exceeding 50,000 yuan. For those engaged in low-profit projects, the finance at the same level will give full discount according to the facts; Teams with more than two people can be relaxed to 200,000 yuan.