Lower threshold of rapid loan "one-stop" Banqi all the formalities:
The students introduced the new independent start-up capital loan policies and more than a year ago the old policy, there is great progress. The education sector expressed the hope that such improvements could encourage more college students into the ranks of self-employment in the past.
Procedures for "one-stop"
[Jiushizhongti]: After graduating from college, Cheng Institute coincidence that college students can venture loan, he told the Advisory departments, but many departments only know that the time for laid-off workers of the small loans, college students is not clear independent start-up capital loan Is all about how infants. Since the relevant departments of the procedures is still in the exploratory stage process, Cheng Institute of loans the road will not be doomed to a smooth start. Cheng Institute said: "The relevant departments are in the dark on its own application procedures, forms or to my own printed. run this more than a month, optical transport expenses spent more than 100 pieces."
[Policy change]: Shenyang City will be established in all regions approval, guarantees, loans for the "one-stop" green channel services, and improve business - the professional quality of college students venture to provide more convenient and efficient service. 2 changing the amount of loans 50000
[Jiushizhongti]: self-inquiry is not, he is now operating the pharmacy before this is a partnership of several relatives, several years after the operation, they hope just graduated from the then-research stem, but also provide him with a certain Economic base. Cheng Institute said that without the protection of the material, only 20,000 yuan of loans, he certainly can not afford to operate this pharmacy. However, policies and regulations related to a maximum loan amount is 20,000, this little venture money for genuine autonomy for the university students is not enough use.
[] Policy changes: a new policy in the line of credit, duration and discount interest have given more preferential conditions. The maximum amount of loans extended to 50,000 yuan. For some special loans, loan period of two years in state regulations on the basis could be extended to four years. Discount loans to national financial capital requirement of the loan interest meager profit project, two years ago from the central finance in full discount, two years after the discount from the district level; non-discount interest loans for projects in the loan period from the same period according to the Financial District The benchmark lending rate to 10% discount. Regional financial commitment to the discount funds, according to city financial subsidies to 60 percent.
Counter-guarantee to phase out
[Jiushizhongti]: cumbersome procedures, limited the amount is still not to say, a guarantor for the issue of almost-inquest to give up. The lending policies of the original loan guarantor on the qualifications and conditions for the very stringent requirements. Consider again, Cheng decided to use the research to guarantee the wages of their parents, he was not heart of doubt: "If the parents are farmers of university students, they can provide what kind of security?» "
According to the Shenyang Branch of Construction Bank, a staff member, to have a certain amount of funds, experience, management ability of the students, they can refer to the operation scale to consider the loan request of university students, they encourage students through this part of the form of independent entrepreneurship. However, for the control of risk, the banks must require Shanghai loan-to-people and secure a guarantor, to a certain extent the capital.
[Policy change]: A loan guarantee fund, to some extent, counter-guarantee cancellation of the new policy on issues such as credit guarantees to make adjustments. The new policy, governments at all levels should increase the size of loan guarantee funds, banks had to play an effective loan guarantee fund to enlarge effect, the balance of loans responsibility for the loan guarantee fund of not more than five times the balance of deposits; loan guarantee fund the establishment of compensatory damage Composite-sharing mechanisms. -- Bank loans in the event of loss, from the loan guarantees bank deposits in the compensation fund 80 percent, banks would share 20 percent.
News Background
Last year, university graduates to the way research and personnel departments for the university students 20,000 yuan independent venture loan, for operating a pharmacy. Although the final loan application is successful, but the application process, the inquiry found cumbersome process the application procedures and less thirst of the loan amount, so many want to apply for business loans independent of the university graduates stop the pace, causing the start-up capital loan Q Do more of less the situation.
Yesterday, the Office of the Shenyang municipal government issued a document, made it clear that lowering the threshold loan, the loan amount from 20,000 yuan to 50,000 yuan of new loans…… the introduction of the policy indicates that the birth year and a half of college students will soon bid farewell to independent start-up capital loan "Zhefu" period »
Students independent venture loan program for
According to the Liaoning provincial government issued "on the promotion of a number of regular college graduates employment policy notice" (Liao governance of the [2003] 26) documents, Liaoning Province, a business card independent of the university graduates can apply for independent start-up capital loan.
In accordance with the provisions of Shenyang City for independent entrepreneurs small loans secured college graduates, must be in possession of "independent business cards college students." Graduates to apply for "independent business cards college students" need to bring the following materials to the Shanghai Personnel Bureau in Shenyang City Office for graduation:
1. "Regular college graduates independent venture approval form";
2. Graduation certificate and a copy of the original;
3. Originals and copies of my ID card;
4. Report card;
5. Inch photos 2;
6. I file to be transferred to the Shenyang City, graduated from the Shanghai Personnel Bureau Office.
City personnel departments in the education sector, the CYL applicants apply for a loan guarantee the basic conditions for the issuance of first instance and "independent business card," the first instance the application of qualified information submitted to the same level security agencies, security agencies to guarantee the application for review. Promise to guarantee the security agencies, the Ministry of Education goalkeeper applicants have submitted the relevant information together in loan guarantees collaboration between the commercial banks to make loans review. The commercial banks agreed to loan approval, and guarantee the security agencies signed the contract, and loan applicants signed the loan agreement, the timely release loans and the applicant's "independent business card" has been specified for mortgage loans.
The students introduced the new independent start-up capital loan policies and more than a year ago the old policy, there is great progress. The education sector expressed the hope that such improvements could encourage more college students into the ranks of self-employment in the past.
Procedures for "one-stop"
[Jiushizhongti]: After graduating from college, Cheng Institute coincidence that college students can venture loan, he told the Advisory departments, but many departments only know that the time for laid-off workers of the small loans, college students is not clear independent start-up capital loan Is all about how infants. Since the relevant departments of the procedures is still in the exploratory stage process, Cheng Institute of loans the road will not be doomed to a smooth start. Cheng Institute said: "The relevant departments are in the dark on its own application procedures, forms or to my own printed. run this more than a month, optical transport expenses spent more than 100 pieces."
[Policy change]: Shenyang City will be established in all regions approval, guarantees, loans for the "one-stop" green channel services, and improve business - the professional quality of college students venture to provide more convenient and efficient service. 2 changing the amount of loans 50000
[Jiushizhongti]: self-inquiry is not, he is now operating the pharmacy before this is a partnership of several relatives, several years after the operation, they hope just graduated from the then-research stem, but also provide him with a certain Economic base. Cheng Institute said that without the protection of the material, only 20,000 yuan of loans, he certainly can not afford to operate this pharmacy. However, policies and regulations related to a maximum loan amount is 20,000, this little venture money for genuine autonomy for the university students is not enough use.
[] Policy changes: a new policy in the line of credit, duration and discount interest have given more preferential conditions. The maximum amount of loans extended to 50,000 yuan. For some special loans, loan period of two years in state regulations on the basis could be extended to four years. Discount loans to national financial capital requirement of the loan interest meager profit project, two years ago from the central finance in full discount, two years after the discount from the district level; non-discount interest loans for projects in the loan period from the same period according to the Financial District The benchmark lending rate to 10% discount. Regional financial commitment to the discount funds, according to city financial subsidies to 60 percent.
Counter-guarantee to phase out
[Jiushizhongti]: cumbersome procedures, limited the amount is still not to say, a guarantor for the issue of almost-inquest to give up. The lending policies of the original loan guarantor on the qualifications and conditions for the very stringent requirements. Consider again, Cheng decided to use the research to guarantee the wages of their parents, he was not heart of doubt: "If the parents are farmers of university students, they can provide what kind of security?» "
According to the Shenyang Branch of Construction Bank, a staff member, to have a certain amount of funds, experience, management ability of the students, they can refer to the operation scale to consider the loan request of university students, they encourage students through this part of the form of independent entrepreneurship. However, for the control of risk, the banks must require Shanghai loan-to-people and secure a guarantor, to a certain extent the capital.
[Policy change]: A loan guarantee fund, to some extent, counter-guarantee cancellation of the new policy on issues such as credit guarantees to make adjustments. The new policy, governments at all levels should increase the size of loan guarantee funds, banks had to play an effective loan guarantee fund to enlarge effect, the balance of loans responsibility for the loan guarantee fund of not more than five times the balance of deposits; loan guarantee fund the establishment of compensatory damage Composite-sharing mechanisms. -- Bank loans in the event of loss, from the loan guarantees bank deposits in the compensation fund 80 percent, banks would share 20 percent.
News Background
Last year, university graduates to the way research and personnel departments for the university students 20,000 yuan independent venture loan, for operating a pharmacy. Although the final loan application is successful, but the application process, the inquiry found cumbersome process the application procedures and less thirst of the loan amount, so many want to apply for business loans independent of the university graduates stop the pace, causing the start-up capital loan Q Do more of less the situation.
Yesterday, the Office of the Shenyang municipal government issued a document, made it clear that lowering the threshold loan, the loan amount from 20,000 yuan to 50,000 yuan of new loans…… the introduction of the policy indicates that the birth year and a half of college students will soon bid farewell to independent start-up capital loan "Zhefu" period »
Students independent venture loan program for
According to the Liaoning provincial government issued "on the promotion of a number of regular college graduates employment policy notice" (Liao governance of the [2003] 26) documents, Liaoning Province, a business card independent of the university graduates can apply for independent start-up capital loan.
In accordance with the provisions of Shenyang City for independent entrepreneurs small loans secured college graduates, must be in possession of "independent business cards college students." Graduates to apply for "independent business cards college students" need to bring the following materials to the Shanghai Personnel Bureau in Shenyang City Office for graduation:
1. "Regular college graduates independent venture approval form";
2. Graduation certificate and a copy of the original;
3. Originals and copies of my ID card;
4. Report card;
5. Inch photos 2;
6. I file to be transferred to the Shenyang City, graduated from the Shanghai Personnel Bureau Office.
City personnel departments in the education sector, the CYL applicants apply for a loan guarantee the basic conditions for the issuance of first instance and "independent business card," the first instance the application of qualified information submitted to the same level security agencies, security agencies to guarantee the application for review. Promise to guarantee the security agencies, the Ministry of Education goalkeeper applicants have submitted the relevant information together in loan guarantees collaboration between the commercial banks to make loans review. The commercial banks agreed to loan approval, and guarantee the security agencies signed the contract, and loan applicants signed the loan agreement, the timely release loans and the applicant's "independent business card" has been specified for mortgage loans.
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