Entrepreneurship loan policy 1. State-owned commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide small loans to college graduates who start their own businesses. During the loan process, the procedures are simplified and account opening and settlement facilities are provided. The loan amount is about 50,000 yuan. 2. The maximum loan period is two years. If it is determined that the loan period needs to be extended after expiration, you can apply for an extension. 3. The loan interest is determined according to the loan interest rate announced by the People's Bank of China. The maximum guarantee limit is 5 times the guarantee fund, and the guarantee period is the same as the loan period. The method for applying for entrepreneurial loans for college students is as follows: If college graduates start their own business within two years after graduation, they need to apply for a business license at the local industrial and commercial department where the entrepreneurial entity is located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be paid in installments. The first installment The funds in place shall not be less than 10% of the registered capital (the amount of capital contribution shall not be less than 30,000 yuan). If the actual paid-in registered capital exceeds 50% within one year, the balance can be paid in installments within three years. If family members of entrepreneurial college students provide corresponding joint guarantees with stable income or effective assets, good credit standing and guaranteed repayment, credit loans can be appropriately increased on the basis of controllable risks, and they can enjoy preferential low interest rates. The state has made the following provisions on taxation in the preferential policies for college students to start their own businesses: 1. All college graduates who engage in self-employment are exempted from paying the tax registration certificate fee for one year from the date the local industrial and commercial department approves their operations (i.e. tax-free) . 2. If a newly established urban labor and employment service enterprise (except for industries designated by the state) places unemployed persons (including college graduates who have registered as unemployed, the same below) that exceeds 60% of the total number of employees of the enterprise, it shall be approved by the relevant competent tax authorities. If approved, you will be exempt from paying income tax for 3 years. After the tax exemption period for labor and employment service enterprises expires, if the newly placed unemployed people account for more than 30% of the total number of original employees of the enterprise in that year, they can pay half of the income tax for 2 years with the approval of the relevant competent tax authorities. In addition, there are different tax incentives for different industries: 1. College graduates who start up new enterprises or business units in the consulting industry, information industry, and technical service industry can be exempted from taxation after submitting an application and obtaining approval from the tax department. Corporate income tax for two years. 2. If college graduates start a new enterprise or business unit engaged in transportation, postal and telecommunications, and submit an application for approval by the tax department, they will be exempted from corporate income tax in the first year and halved in the second year. 3. College graduates who start new enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade, tourism, logistics, warehousing, resident services, catering, education and culture, and health must submit applications. Upon approval by the tax department, the company can be exempted from corporate income tax for one year. 1. Employee recruitment and training enjoy discounts. For enterprises independently founded by university graduates, within one year from the date when the local industrial and commercial department approves their operations, they can search for talents for free on the websites of talent agency service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies. , labor supply and demand information, free recruitment advertisements, etc. This helps to obtain the talent resources needed by relevant industries in the early stages of starting a business. It can help self-employed college graduates more easily obtain the professional talents they need at the lowest cost. 2. Appropriate fee reductions and exemptions may be provided when participating in talent fairs or talent and labor exchange activities organized by talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies; talent agencies affiliated to the government's personnel department The service agency provides free training and evaluation services to graduates who start companies and employees who start companies at a discount. The above preferential policies for college students to start their own businesses are formulated by the state for all self-employed college students across the country. In addition, in order to support local college students to start their own businesses, local governments have also introduced relevant policies and regulations, and because they are more targeted, they are more detailed and closer to reality. If college students are ready to start a business, then in addition to understanding the country’s policies to encourage college students to start their own businesses, , you must also learn about the local detailed preferential policies for entrepreneurship. In addition, college students' self-employment also has corresponding discounts in terms of file preservation and social security processing. This is to encourage college students to start their own businesses, solve their worries about starting a business, and provide effective guarantees and services.