The application conditions are 1, fresh graduates, graduates within two years; 2. College degree or above; College students' entrepreneurial loans 3. 18 years old or older. Application process: 1. Accept. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination; 2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount; 3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days; 4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval; 5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment. 6. Application materials for college students' entrepreneurial loans Nowadays, many college students and laid-off workers have become a major social problem, and how to start a business is the best way to solve the problem. As far as entrepreneurship is concerned, what relevant policies need to be understood and what process steps need to be taken? The article answers for you. The end of July is the deadline for college graduates to leave school. Although students who haven't implemented the "in-laws' family" are unwilling to accept this reality, the problem of "rice bowl" must be faced squarely. Another reality is the reemployment of laid-off workers. After the 40-year-old line, it is unrealistic for college students who want to rush out like spring leeks to grab the "rice bowl". Therefore, self-employment has become the unanimous choice for college students and laid-off workers after graduation. However, they pay little attention to a series of issues, such as how to use industrial and commercial licenses, how to use tax policies, how to apply for small loans, and so on. Because of this, the author visited the departments of industry and commerce, taxation and finance, and drew a simple flow chart from a practical point of view. Of course, the policy mystery inside is clear after reading it. Industry and commerce 1. The procedure of enterprise registration in the industrial and commercial sector is: receiving form-inquiring name-submitting materials-accepting-approving-charging-invoicing. Generally speaking, from the beginning of applying for a license, if the materials are complete, it can be done in seven working days, and the required expenses vary according to the different business projects audited, usually several hundred yuan. If you are afraid of boredom, you can also entrust a professional registered company to do it for you, but the cost is much higher, ranging from one or two thousand to three or four thousand. If you are not too busy to get away, I suggest you go in person. On the one hand, it can save money; On the other hand, you can learn a lot of practical knowledge so that you can get used to it in the future. In addition, it should be noted that in industrial and commercial registration, according to the different registered capital, the level of choosing industrial and commercial departments is also different. For example, the registered capital of the lobby of Nanjing Industrial and Commercial Bureau is at least 2.5 million. The number of industrial and commercial branches or industrial and commercial offices in districts and counties is less than this figure. If it is really urgent, according to some special events or the "exemption regulations" issued by the provincial and municipal industrial and commercial bureaus, you can first file with the local industrial and commercial departments and then open them. During the operation, you will go through the formalities, which is the popular "boarding first, then making up the ticket". 2. Entrepreneurial policies should be backed up. For college graduates, the state has always encouraged them. As early as last year, the State Administration for Industry and Commerce specially issued the Notice on Preferential Fees for Self-employed College Graduates. The specific contents are as follows: 1. All self-employed college graduates (including junior college students, undergraduates and postgraduates) are approved by the administrative department for industry and commerce, except for industries restricted by the state (including construction, entertainment, advertising, sauna, massage, Internet cafes, oxygen bars, etc.). Within 1 year, individual industrial and commercial households will be exempted from registration fees (including industrial and commercial registration, change registration, change of business license and copy of business license), management fees for individual industrial and commercial households, market management fees, economic contract verification fees, and cost of demonstration texts of economic contracts. Second, college graduates applying for registration of the establishment of individual industrial and commercial households shall present their graduation certificates and personal identity cards issued by ordinary colleges and universities to the registration authority, and the National Employment Registration Certificate for College Graduates from Ordinary Colleges and Universities or the National Employment Registration Certificate for Postgraduates (hereinafter referred to as the "Registration Certificate") issued by the employment authorities of provincial colleges and universities. After verification by the registration authority, go through the registration formalities according to law, and indicate the registration time on the registration certificate, affix the seal of the registration authority and return it to me. The name of the business license operator of individual industrial and commercial households is marked "(college graduate)". College graduates are exempt from the above fees with the business license of individual industrial and commercial households. Financial articles 1. There are many stories about circuitous loans that can be tried from scratch, but the first money for starting a business is also indispensable. This money can be borrowed from the bank. According to statistics, Nanjing has issued loans of 3.576 million yuan to help 30 1 people embark on the road of entrepreneurship, of which 19 industry can be fully subsidized by the government. For college students, money is an obstacle. According to the reporter's understanding, at present, no bank in Nanjing is willing to take credit loans, and under the background of tight monetary policy in the country, college students who have just left school must have physical mortgage or entity guarantee if they want to borrow money. Fortunately, laid-off workers can enjoy government-guaranteed funds if they want to start a business. If college students can't find jobs after graduation, they will also become "laid-off workers" in a sense. According to the introduction, college students can go to the street or neighborhood committee where their registered permanent residence is located. It is understood that at present, the target of venture loans is laid-off workers in Nanjing, who must have permanent residence in Nanjing, be under 60 years old and have certain labor skills. Whether you are self-employed, self-employed or organized for employment, you can apply for a small secured loan from a commercial bank with the re-employment concession card issued by the labor department on the premise that the loan guarantee institution promises to guarantee. 2. The loan amount is limited. It is reported that the amount of small secured loans is generally around 20,000 yuan, and the repayment method and interest settlement method are agreed by both borrowers and lenders. For laid-off and unemployed people who are engaged in partnership and employment, the scale of loans may be appropriately expanded according to the number of people, and the loan period is generally not more than two years. At present, a commercial bank has a maximum loan of 654.38 million yuan, which is provided to several laid-off workers in partnership. If the project is good and in urgent need of funds, the maximum loan can be 50 thousand yuan. Laid-off workers form entrepreneurial teams and joint-stock or partnership enterprises, with a maximum loan of 300,000 yuan. The interest rate of small loans shall be determined according to the loan interest rate level announced by the People's Bank of China, and shall not rise. In order to encourage entrepreneurship, the government will give full preferential treatment to low-profit industries. The low-profit projects are specifically 65,438+09 industries, including cottage industry, repair and replacement, book lending, hotel service, catering service, dyeing and sewing, copying and typing, haircut, small dining table, canteen, moving, hourly service, household cleaning and sanitation service, primary health care service, infant care and education service, education and training service for disabled children, old-age service, patient care, and transportation for children and students. 3. Paying attention to honesty is the key. Of course, it should be noted that not every entrepreneur's loan can be met, and all loans must have mature projects. According to the person in charge of Nanjing Small Loan Guarantee Center for laid-off workers, applicants can take residence booklet, ID card, re-employment concession card or business license, loan application form and business plan and other materials to the community labor and social security service station where the household registration is located to receive the Pre-trial Form of Small Loan for laid-off workers, which will be reviewed by the community and recommended. At the same time, the applicant should also write an Application Report for Business Plan Loan, explaining natural conditions, self-operated business projects and current market operation analysis, loan purpose and loan amount, profit forecast and repayment plan. After the applicant's information is delivered, the guarantee center will organize relevant experts to conduct on-site investigation, demonstration and guarantee audit. On-site evaluation shall put forward written audit opinions, explaining the specific reasons for refusing or agreeing to the loan. After passing the preliminary examination, apply for a loan at Jimingsi Sub-branch of the Municipal Commercial Bank with the materials and fill in the relevant forms, and the bank will give a formal reply within 10 working days. If the loan is agreed, the bank shall sign a guarantee contract with the guarantee center. Tax clause 1. The nature of an enterprise is very important. After obtaining the business license issued by the industrial and commercial department, the tax registration certificate will follow. Many people always think of "reasonable tax avoidance" at this time. "Tax avoidance" is different from tax evasion or tax evasion. To put it bluntly, it is to use the preferential policies given by government departments to entrepreneurs. To this end, the reporter specially interviewed tax experts. According to experts, it is necessary to start with the nature of the enterprise, whether it is individual industrial and commercial households, companies, private limited liability companies or private sole proprietorships and private partnerships. There is little difference between private limited liability companies and wholly-owned enterprises, partnerships and individual industrial and commercial households in most taxes, and the difference between them in tax payment is mainly reflected in income tax (including personal income tax and corporate income tax). Let me talk about personal income tax first. At present, individual industrial and commercial households only receive personal income tax; Private and partnership enterprises are not subject to enterprise income tax from 200 1, and individual income tax is levied according to the income from production and operation of individual industrial and commercial households; Private limited liability companies levy enterprise income tax. After-tax profits of private limited liability companies should be distributed according to regulations. If the remaining undistributed profits are used for investment, personal income tax will not be levied. If they are used for personal consumption, personal income tax will be levied on the items of "interest, dividends and bonus income". In terms of tax rate, the personal income tax rate of "interest, dividends and bonus income" is 20%. That is, the highest tax rate of private limited liability companies is 53%, and the lowest tax rate is 38%. The personal income tax rate of "income from production and operation of individual industrial and commercial households" is 5%-35%, with the highest tax rate of 35% and the lowest tax rate of only 5%. We should also pay attention to the relevant provisions of the threshold when deciding the type of enterprise registration. The basic corporate income tax rate is 33%, but if the taxable income exceeds 30,000 yuan but is less than 654.38+10,000 yuan, the tax rate is 27%, and the taxable income rate below 30,000 yuan is 18%. 2. Reasonable tax avoidance is skillful and pays attention to value-added tax and business tax. At present, the threshold for sales of goods with value-added tax in Nanjing is 5,000 yuan per month, and no tax is required below 5,000 yuan; The starting point for selling taxable services is the monthly sales of 3,000 yuan; The starting point of each tax payment is the 200 yuan of each (daily) sales. The starting point for paying business tax on schedule is the monthly turnover of 5,000 yuan; The threshold for each tax payment is 100 yuan per day. The relevant provisions of the above-mentioned threshold are aimed at individuals, including individual industrial and commercial households, excluding privately-owned enterprises, partnerships and private limited liability companies. In addition, if it is laid-off workers, we should pay attention to the relevant preferential tax policies. It is reported that the state has formulated a number of preferential policies to promote the reemployment of laid-off workers. As stipulated in the tax law, laid-off workers who engage in self-employment (except construction, entertainment, advertising, sauna, massage, Internet cafes and oxygen bars) shall be exempted from business tax, urban maintenance and construction tax, education surcharge and personal income tax within three years from the date of obtaining the tax registration certificate. For laid-off workers engaged in community residents' service industry, personal income tax shall be exempted within 3 years from the date when their income from labor remuneration and self-sustaining laid-off certificate are filed with the local competent tax authorities. 3. The risk size can be selected. In addition, a limited liability company bears limited liability with its corporate assets, that is, if the enterprise loses money, the biggest risk deficit will also be owned by the company, while the sole proprietorship enterprise, partnership enterprise and individual industrial and commercial households will bear unlimited liability, that is, all profit and loss risks of the enterprise will be responsible to the end. Tax experts suggest that the company system is beneficial to the development of enterprises. Small enterprises set up wholly-owned enterprises, partnerships or individual industrial and commercial households at the beginning of their establishment, and then changed into limited liability companies in due course after the scale became larger. Experts also reminded that for partnership enterprises, in order to reduce the tax rate, more partners can be established. The husband and wife set up a sole proprietorship company with an annual income of 58,000 yuan, and the personal income tax is 58,000 * 35%-6750 =13550 yuan at the tax rate of 35%; If two people are partners, the tax rate is 20%, and the tax payable is: [58000/2 * 20%-1250] * 2 = 9100, saving 450 yuan and 33%. If you think this knowledge is too professional, you might as well hire a professional accountant to pay your salary according to the amount of accounting business. Generally speaking, every month in 200 yuan. Accountants bear limited joint and several liability and risks for their accounts.