I hope it will help you as follows: 1. Application conditions: 1, college degree or above; 2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department. Second, the loan term: the small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1 ~ 2 years. No longer enjoy financial discount after 2 years. Third, loan methods: the micro-loan methods for college graduates to start their own businesses are guarantee and mortgage (pledge) loans. Four, the specific operation method can be consulted to the local labor and social security bureau. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses. March every year is a crucial period for college graduates to choose their career development direction. Postgraduate entrance examination? Going abroad? Or start your own business? No matter what you do, you must make a choice. In recent years, the employment situation has become increasingly severe, and more and more college students are trying to take the road of entrepreneurship. The state, society and universities all strongly support this, and many college students start their own businesses. However, due to the lack of experience, awareness and ability, college students still face many difficulties in starting a business, and some people don't even know where to start. Preferential policies for college students' entrepreneurship The Handbook of College Students' Entrepreneurship pays close attention to preferential policies for college students' entrepreneurship. In recent years, in order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. For college students who plan to start a business, only by understanding these policies can they take the first step in starting a business. According to the relevant regulations of the state and the Shanghai Municipal Government, the fresh college graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax reduction and exemption, including: ■ Self-employed college graduates (including junior college students, undergraduates and graduate students) are exempted from paying self-employment registration fee, self-employment management fee and economic contract demonstration text fee within 1 year. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years. ■ College students who start their own businesses can apply for a loan guarantee of up to 70,000 yuan from the bank and enjoy a loan discount. ■ Shanghai has set up a special entrepreneurship education and training center for recent college graduates to provide free project risk assessment and guidance for college students to help them better grasp market opportunities. Experts analyze the necessary hardware for college students to start a business: College students are enthusiastic about starting a business, but the success rate of starting a business is obviously low due to lack of experience, ability and consciousness deviation. In this regard, Xu Benliang, an expert in college students' entrepreneurship guidance and president of Shanghai Entrepreneurship Education and Training Center, believes that college students must have the following hardware: hardware 1: Experienced universities expect to grow on campus and lack understanding of society, especially in market development and enterprise operation. It is easy to fall into the misunderstanding of arrogance and armchair strategist. Therefore, college students should be fully prepared before starting a business. On the one hand, they should work or practice in enterprises and accumulate relevant management and marketing experience. On the other hand, actively participate in entrepreneurship training, accumulate entrepreneurial knowledge, receive professional guidance, and improve the success rate of entrepreneurship. Hardware II: Capital According to a survey, 40% of college students think that "capital is the biggest difficulty in starting a business". Indeed, no matter how clever a woman is, she will not cook without rice. Without funds, even the best ideas can't be transformed into real productivity. Therefore, capital is a mountain for college students to climb when they start a business. College students should explore new ideas and raise funds through multiple channels. In addition to traditional channels such as bank loans, self-raised funds and private loans, we can also make full use of financing channels such as venture capital, angel investment and venture capital. Hardware III: Technology for intelligence for capital, which is a characteristic way for college students to start a business. Some venture capitalists are often willing to fund their business plans just because they take a fancy to the advanced technology mastered by college students. Therefore, college students who intend to start businesses in high-tech fields must attach importance to technological innovation, develop products with their own independent intellectual property rights and attract investors. Hardware IV: Ability College students are not familiar with the "rules of the game" due to long-term exam-oriented education, and they are outstanding in technology, and their abilities in financial management, marketing, communication and management are generally insufficient. To succeed in starting a business, entrepreneurs must attach importance to both technology and management. It is suggested that you can start with partnership, family business or low-cost virtual shop to exercise your entrepreneurial ability. The four directions of college students' entrepreneurship Although there are unlimited business opportunities in today's entrepreneurial market, it is not "arachidonic acid" for college students' entrepreneurs with limited capital, ability and experience. In this case, college students can only find a "foothold" according to their own characteristics in order to find a new world that really suits them.