(1) university graduates start their own businesses 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, allowed to be put in place in installments, with the first in place funds of not less than 10% of the registered capital (capital contribution of not less than 30,000 yuan), the paid-in registered capital within one year to add to the 50% or more The remaining balance can be put in place in installments within 3 years.
(2) university graduates to set up a new consulting industry, information industry, technical services, enterprises or business units, approved by the tax department, exempted from enterprise income tax for two years; set up a new transportation, post and telecommunications enterprises or business units, approved by the tax department, exempted from enterprise income tax in the first year, the second year of a 50% reduction in enterprise income tax; set up a new business engaged in public utilities, commerce, materials industry, foreign trade, tourism, logistics industry, and the capital of more than 50% of the registered capital within 1 year, the remaining balance can be put in place in installments within 3 years, foreign trade, tourism, logistics, warehousing, residential service, catering, education and culture, and health, shall be exempted from enterprise income tax for one year upon approval by the tax authorities.
(3) State-owned commercial banks, joint-stock banks, urban commercial banks and urban credit unions in a position to do so shall provide small loans for graduates who start their own businesses, simplify the procedures, and provide account-opening and settlement facilities, with a loan amount of about 50,000 yuan. The maximum loan period is two years, and if it is determined that the loan needs to be extended, an extension can be applied for. Loan interest is determined in accordance with the People's Bank of China announced the loan interest rate, the maximum guarantee is five times the guarantee fund, the term is the same as the loan period.
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 regulations 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) The applicant for college student entrepreneurship loans is at least eighteen years old, has a legally valid identification and proof of legal residence in the place where the loan bank is located, and has a fixed abode or place of business;
(2) The applicant for college student entrepreneurship loans has a business license issued by the industrial and commercial administrative organs and business permits for the relevant industries, and engages in legitimate production and business activities, with stable income and the ability to repay the capital and interest;
(3) the applicant of 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. The 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) certificate, the bank recognized the appraisal department of the valuation of the collateral issued by the notice of the valuation of the collateral (pledge).
Whether to start a business with interest-free loan application and business loan preferential policies
Interest-free loan government is not just to give loans, depending on the local policy, depending on what your business is, if it can bring tax revenue to the local government, jobs, and is a green project. You just have to work hard or have some connections.
Interest-free loans your local government to give you a certificate, you can go to the designated bank to get a loan.
Student entrepreneurs applying for a loan must be approved by the street, the Labor and Social Security Bureau of the examination and recommendation of the bank's final review of the loan, any one of the customs can not pass, the loan will fail. But the biggest prerequisite is that the applicant must be a graduated college student.
The specific operation should be like this: have an idea, write a good plan, as perfect as possible. The street office gives you a certificate, a consultation at the local labor and employment guidance center, and a commercial bank. You may have to run a lot of places at the same time. Specific amount depends on the place and your ability, generally 2W-5W
University graduates within two years of graduation to start their own businesses, to the business sector where the entrepreneurial entity to apply for a business license, the registered capital (this) in the less than 500,000 yuan, allowed to be put in place in phases, the first in place not less than 10% of the registered capital (contribution of not less than 30,000 yuan), 1 year of the registered capital paid in! Additional to more than 50%, the balance can be in place in installments within 3 years.
University graduates newly set up enterprises or business units in the consulting, information, and technical services industries are exempted from enterprise income tax for two years with the approval of the tax department; newly set up enterprises or business units engaged in transportation, post and telecommunications, are exempted from enterprise income tax for the first year with the approval of the tax department and are subject to enterprise income tax at a 50% reduction in the second year; and newly set up enterprises engaged in the public utilities, commerce, material industry, foreign trade, tourism, logistics, warehousing and storage industries, and foreign trade, Tourism, commerce, materials, foreign trade, logistics, warehousing, residential service, catering, education and culture, and health undertakings are exempted from enterprise income tax for one year upon approval by the tax authorities.
Country-owned commercial banks, joint-stock banks, city commercial banks and city credit unions in a position to do so are required to provide graduates who start their own businesses with small loans of about 50,000 yuan, with simplified procedures and account opening and settlement facilities. The maximum loan period is two years, and if it is determined that the loan needs to be extended, an extension can be applied for. Loan interest is determined in accordance with the People's Bank of China announced the loan interest rate, the maximum guarantee is five times the guarantee fund, the term is the same as the loan period.
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.