After 2005 (including 2005) graduated from ordinary colleges and universities in the province, and has the household registration of the province, the graduates of independent entrepreneurship in the province, as well as after 2005 (including 2005) after the birth of the province in the province in the province ordinary colleges and universities graduated back to the youth of independent entrepreneurship, and the household registration has been transferred to our province. Graduates are eligible to apply. The fund is mainly used for borrowing money for college graduates to set up and lead science and technology innovation enterprises, and for subsidizing the interest rate of loans for college graduates to start their own businesses. The specific conditions are as follows:

(a) college graduates within five years after graduation to independently set up, lead enterprises and other economic entities or engage in self-employment (except for state-restricted industries).

(b) registered according to law and obtain a business license issued by the administration for industry and commerce, with legal personality and sound financial management system.

(c) With a guarantor to provide security documents or property certificates.

(d) Have a fixed place of business.

(e) Compliance with the law, good performance, honesty and trustworthiness during the school period, no record of bad behavior.

Application and approval procedures

For projects that meet the conditions for applying for the fund, applicants can apply in accordance with the following procedures:

(a) Independent founding, leading scientific and technological innovation enterprises in need of loan support from the fund, the borrower to fill out the independent entrepreneurial borrowing by graduates of colleges and universities to apply for a loan form, with ID card, graduation certificate, business license, project feasibility report and proof of guarantee to the business department that issued the business license. The same level of business license issued by the business sector to apply for loans to the fund management agencies.

(b) independent entrepreneurship needs loan subsidy support, the lender to fill out the independent entrepreneurship loan subsidy application form for college graduates, holding loan applications, ID cards, graduation certificates, business licenses and proof of guarantee, to the issuance of business licenses to the business sector at the same level of the Fund Management Committee office to apply for subsidies, after examination and approval of the loan to the commercial banks to apply for a loan. Approved by the bank loan to the Fund Management Committee offices at all levels for interest rate subsidy procedures.

(C) the Fund Management Committee offices at all levels are responsible for borrowing and loan interest subsidy related information for investigation and certification. If the conditions are met, the approval procedures should be completed within 10 working days; if the conditions are not met, the borrower (lender) should be informed in a timely manner.

(d) Loan discount interest rate in accordance with the People's Bank of China announced the level of loan interest rates to determine. Discount time is calculated according to the time of the loan issued by the authorized bank. The amount of subsidized interest incurred by the operating bank to agree to subsidize the interest rate of the Fund Committee office quarterly factual report, after the financial sector review and disbursement.

Support amount and term

(a) college graduates to start, lead science and technology innovation enterprises and registered capital of more than 100,000 yuan, can provide up to 60,000 yuan of borrowing support; registered capital of less than 100,000 yuan, can provide up to 30,000 yuan of borrowing support. The borrowing period is not more than 3 years, according to the lowest interest rate settlement of the same period of the bank.

(ii) college graduates to start their own business, you can apply for a loan subsidy of up to 20,000 yuan. College graduates more than 2 people cooperative business, can be appropriate to expand the scale of the loan subsidy, but shall not exceed 40,000 yuan, the subsidized interest period of 3 years.

(C) Each college graduate only enjoys one preferential policy.

Qinghai University students entrepreneurial loan conditions: college students entrepreneurial loan conditions

First, college students entrepreneurial loan application conditions:

1, college graduates;

2, more than six months after graduation is not employed, and in the local labor security department for the registration of unemployment;

3, when applying for such a loan, there are three points more Important:

First, the loan applicant must have a fixed residence or place of business. Second, the business license and business permit, stable income and the ability to repay the principal and interest; the third and most important point is that the entrepreneur has invested in the project has a certain amount of its own funds.

With the above conditions to 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 repayment ability; loan purposes in the relevant agreements, contracts; collateral materials, involving collateral or pledge ownership certificates and lists of banks recognized by the appraisal of the valuation of collateral issued by the department of valuation report (pledge).

In addition to written materials is to have collateral. There are many ways of collateralization, which can be movable and immovable property, pledge of time deposit certificates, pledge of securities, pledge of movable property with strong liquidity, and guarantee of guarantor that meets the requirements. The amount of issuance will be determined according to the specific guarantee method.

Second, the loan period and the amount of requirements

The state provides small entrepreneurial loans for college graduates is the government subsidized loans, the period of 1 to 2 years, after 2 years no longer enjoy the financial subsidies.

The amount of entrepreneurial loan 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 longest not more than three years, of which the production and business working capital loans for a period of up to one year; individual entrepreneurial loans to implement the People's Bank of China promulgated the term loan interest rate, can be in the specified period of time. The term of the loan interest rate, can be up and down in the range of the prescribed range.

Third, the loan repayment

1, the loan period of one year (including one year) within the personal business loans, the implementation of the maturity of a single repayment of principal and interest, interest with the principal;

2, the loan period of more than one year of personal business loans, the loan principal and interest repayment can be used in the equal principal and interest repayment method or equal repayment of principal and interest, but also according to the two sides agreed on other ways to repay.