A, Jilin Province, college students to start their own business preferential policies

College students to start their own business in each region of the preferential policies are not the same, because there are regional limitations: but in general, preferential performance in the following areas. I hope you can help you the first recommended and the bank side of the project loan second: business registration when free of charge business registration fee and the cost of the third: tax, three years of enterprise annual income tax fourth business side of the opening of the green channel; based on the hope that you can help you finally give you a little solid advice: I just said, preferential policies according to the regional restrictions, so you'd better go to the municipality where you are, or the county of the college student The first thing you need to do is to get a good deal of information about your business and the way it works.

In order to encourage college students to start their own businesses, there are some banks that have introduced college student entrepreneurial loans that can apply for 200,000 interest-free. Applicants need to meet the following conditions:

1. Age below 35 years old;

2. Have graduated not more than 2 years;

3. Get the college and above education certificate;

4. Have a certain amount of capital operating ability, such as having a business license, tax registration certificate and other basic materials of the enterprise;

5. Have a legal proof of their own Identity information, such as identity cards.

Three, college students entrepreneurial loan preferential policies and their application requirements

College students entrepreneurial loan specific requirements and processes a. Application conditions 1, college graduates; 2, more than six months after graduation is not employed, and in the local labor security department for the unemployment registration. Second, the loan period of the state for university graduates to provide small entrepreneurial loans is the government subsidized loans, its period of 1 to 2 years, after 2 years no longer enjoy the financial subsidies. Third, the way of loan for university graduates to start their own business is guarantee, credit (pledge) loans. Fourth, the specific operation of the instructions can be consulted with the local Labor and Social Security Bureau. In addition, there are other preferential policies for independent entrepreneurship for college students, such as engaging in self-employment, 1 year exemption from business registration and management of administrative fees; independent entrepreneurship, self-employment can also be hosted in the municipal employment guidance service center for graduates of colleges and universities. For graduates to start their own business specific policies should be consulted with the relevant departments. Fifth, the application materials, first, the loan applicant must have a fixed residence or place of business; second, business license and business permit, stable income and the ability to repay the principal and interest; third, but also the most important point, is that entrepreneurs have invested in the project has a certain amount of its own funds. With the above conditions can apply to the bank, the application needs to provide information mainly include: proof of marital status, personal or family income and property status and other documents to prove the ability to repay the loan; loan purposes in the relevant agreements, contracts; collateral materials, involving collateral or pledge ownership certificates and lists, the bank's recognized appraisal of the appraisal issued by the Department of the collateral (pledge) valuation report. In addition to written materials is to have collateral. There are many types of collateral, including movable and immovable property, fixed-term certificates of deposit, securities, movable assets with strong liquidity, and guarantees from guarantors who meet the requirements. The amount of disbursement is then decided according to the specific guarantee method. Amount of business loan amount requirements in general: up to 70% of the total amount of funds required for the borrower's normal production and business activities, working capital, the purchase (installation or repair) of small equipment (machinery) and franchising chain; the period of two years in general, the maximum of three years, of which the production and business working capital loans for a maximum of one year; personal business loans to carry out the People's Bank of China issued by the term Loan interest rates, can be up and down within the prescribed range.

Four, college students entrepreneurial preferential policies, college students entrepreneurial loan conditions?

Preferential policies for entrepreneurial loans for college students

(1) university graduates to start their own business within two years of graduation, to the business license of the industrial and commercial sector where the entrepreneurial entity is located, the registered capital (capital) of less than 500,000 yuan, are allowed to be put in place in phases, with the first capital in place of not less than 10% of the registered capital (capital contribution of not less than 30,000 yuan), and within 1 year The paid-up registered capital is added to more than 50%, and the balance can be put in place in installments within 3 years.

(2) university graduates new consulting industry, information industry, technical services, enterprises or business units, approved by the tax department, exempted from enterprise income tax for two years; new enterprises or business units engaged in transportation, post and telecommunications, approved by the tax department, the first year exempted from enterprise income tax, the second year of a 50 percent reduction in enterprise income tax; new enterprises engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, and the industry of the first half of the enterprise income tax; new enterprises engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, and the industry of the second half, enterprises or business units engaged in public utilities, commerce, material industry, tourism, logistics, warehousing, residential services, catering, education and cultural undertakings, and health undertakings, shall be exempted from enterprise income tax for one year upon approval by the tax authorities.

(3) State-owned commercial banks, joint-stock banks, city commercial banks and urban credit unions in a position to do so should provide graduates who start their own businesses with, and simplify the procedures, provide account opening and settlement facilities, with a loan amount of about 50,000 yuan. The loan period is up to two years, and if it is determined that it needs to be extended at maturity, it can apply for an extension once. Loan interest in accordance with the People's Bank of China announced the loan interest rate to determine the maximum guarantee for the guarantee fund 5 times, the term and the loan period is the same.

The above preferential policies are formulated by the state for all self-employed college students, and governments around the world have introduced relevant policies and regulations in order to support local college students' entrepreneurship, and they are more detailed and closer to the reality. For example, according to the relevant provisions of the state and the Shanghai Municipal Government, fresh graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax exemption.

Requirements for college student entrepreneurship loans

(1) College student entrepreneurship loan applicants are at least eighteen years old, have a legally valid identification and proof of legal residence in the location of the loan bank, and have a fixed residence or place of business;

(2) College student entrepreneurship loan applicants hold business licenses issued by the administrative authorities of industry and commerce and the business licenses of the relevant industries, and engage in legitimate production and business activities, with stable income and the ability to repay the principal and interest;

(3) the applicant for the college student entrepreneurship loan has a certain amount of its own funds for the investment project;

(4) the use of the college student entrepreneurship loan is in line with the provisions of the relevant state laws and bank credit policies, and is not allowed to be used for equity investment;

(5) a settlement account is opened in the bank, and the business income is settled by the bank. Business income is settled through the bank.

Application documents for college student business loans

(1) Identification documents of the college student business loan applicant and his/her spouse (including the originals of the resident's identity card, household register or other valid residence permit) and proof of marital status;

(2) Documents proving the repayment ability of the college student business loan applicant's personal or family income and property status;

(3) College student business loan applicants business license and business license of the relevant industry, the relevant agreements, contracts or other information in the purpose of the loan;

(4) College student business loan applicants guarantee materials: collateral or pledge ownership certificates and lists, the right to dispose of the person agreed to the credit (pledge) proof of the bank's approval of the appraisal of the valuation of collateral issued by the appraisal department issued by the bank.