All college graduates who leave the registered permanent residence in Shenyang, are healthy, honest and trustworthy, have the ability to start their own businesses, and have obtained the self-employment certificate, all belong to the loan target.

2. What are the conditions for applying for a small secured loan?

Graduates applying for small secured loans should meet six conditions:

1. There is a certificate of self-employment issued by the employment guidance service center for city graduates.

2. The projects applying for loans are projects outside the industries restricted by the state (excluding construction, entertainment, advertising, sauna, massage, Internet cafes, oxygen bars, etc.). ).

3, apply for a loan to have a project feasibility analysis, project implementation plan and repayment plan.

4. Participated in entrepreneurship training or re-employment skills training organized by the College Students Pioneer Park, and have the corresponding business ability to implement the project.

5. Adequate counter-guarantee measures shall be provided, including personal guarantee provided by a third party with fixed residence, fixed income and fixed job, securities pledge, real estate mortgage or credit guarantee provided by reputable community recognized by relevant municipal departments.

6. Having a relatively fixed business place.

3. What are the procedures for handling small secured loans?

Procedures for graduates to apply for small secured loans:

1. Apply for the Self-employment Certificate at the Employment Guidance Service Center for Graduates and conduct qualification examination. Those who pass the examination fill in the Recommendation Form for Self-employment of College Graduates in Shenyang.

2. Graduates shall report to the community where their registered permanent residence is located with the Certificate of Self-employment and the Recommendation Form of Shenyang University Graduates for Applying for Small Loans, and submit the project feasibility analysis report, project implementation plan, repayment plan, training certification materials, certification materials required for providing guarantee and other related materials. According to the application materials provided by the applicant, the community conducts a preliminary examination of the applicant's basic loan materials, verifies the authenticity of the applicant's information, issues a recommendation certificate with the consent of the street social security and employment department, and reports it to the local labor and employment security department.

3 district labor and social security departments to identify qualifications, issue the applicant's qualification certificate, and check the loan application items at the same time. After passing the examination, the materials of eligible loan applicants will be submitted to the local guarantee institutions, which will review the loan applicants' application for guarantee and the counter-guarantee measures that can be guaranteed. After the guarantee institution promises to guarantee, the labor and social security department shall submit the relevant information of the applicant to the local handling bank. After accepting the loan, the handling bank will review the loan project, and after agreeing to the loan, the handling bank will sign a guarantee contract with the guarantee institution, and the handling bank will sign a loan contract with the loan applicant. After the signing of the loan contract, the loan applicant shall open a settlement account in the handling bank, and the handling bank shall transfer the money into the account at the time agreed in the loan contract; After issuing loans to entrepreneurial graduates, the handling bank shall indicate the words "loan has been handled" on the certificate of self-employment.

4. The loan applicant shall register the loan with the Employment Guidance Service Center of the city graduates and send a copy of the loan contract.

4. What are the business projects for graduate entrepreneurship? The state gives discount loans.

Entrepreneurial graduates are engaged in cottage industry, repair and replacement, book borrowing, 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 service for children and students.

5. How do graduate students apply for small secured loans?

Graduates who hold the Certificate of Self-employment apply for small secured loans in partnership. Each partner, as the loan applicant, holds his/her Self-employed Certificate, the Business License for Partnership Enterprise, the Partnership Agreement and relevant procedures issued by the administrative department for industry and commerce, and after being reviewed and recommended by the community labor and social security department where each partner is registered, the district/county (city) guarantee institution and the handling bank where the partnership enterprise is registered for industry and commerce are responsible for the guarantee and review of the loan for this project. The bank will issue loans for each nature.

6. What is the maximum loan amount for a partnership?

For projects where graduates start businesses in partnership and organize employment, the guarantee amount shall be calculated with reference to the individual's application for a single secured loan, and the maximum secured loan shall not exceed 200,000 yuan.