韩爱o郝 浅析大学生创业贷款.docVIP

摘 要 2014年727万的大学毕业生的就业年，再度被称为史上更难的就业年。国家为了缓解大学生就业压力大力鼓励创业尤其是大学生创业，对因创业或再创业提出资金需求申请的已经从事生产经营活动的或具有一定生产经营能力的个人，银行认可有效担保后之后继而给贷款者发放的一种专项贷款。对于符合条件的借款人，依据偿还能力和个人的资源状况，可以获得最高单笔50万元的贷款支持；对那些已成为再就业明星或创业有一定规模的，可以提出更加高额度贷款申请。创业贷款的最长年限不超过3年，期限一般为1年；政府为了扶持大学生创业行为和下岗职工创业，很多地区推行下岗失业人员和大学生创业贷款还可以获得60%的政府贴息.按照人民银行规定的同档次利率降低20%创业贷款的利率，大学生创业贷款申请要求简化及其优惠政策的出现更好的促进大学生创业，简而言之大学生创业贷款就是是政府给大学生提供的创业优惠措施，为支持大学生创业，国家哦各级政府推行了许多优惠政策，涉及到税收、融资、开业、创业培训、创业指导等诸多方面。 关键词 大学生：创业；优惠政策 Abstract In 2014 7270000 of the university graduates employment years, once again called history more difficult year of employment. Countries in order to ease the employment pressure to encourage enterprise especially the entrepreneurship of college students, to have a certain production capacity or have been engaged in the production and operation activities of individuals, for business or venture capital requirements of application, a special loans authorized by the bank guarantee and effective after issuing. Eligible borrowers, according to personal resources condition and ability to repay, maximum single pen 500000 yuan loans to support; have a certain size or has become a star of the re employment venture, also put forward a higher amount of loan application. Business loans generally for a period of 1 years, the longest period of not more than 3 years; in order to support the laid-off workers entrepreneurial behavior and students entrepreneurship, venture loan interest rates in accordance with the provisions of the peoples bank can be the same interest rate downward float of 20%, many areas of the launch of laid-off and unemployed workers and university students entrepreneurial loans can also enjoy 60% discount government business. The loan preferential policy of college students and its application requirement of college students entrepreneurial loans is the country to the students entrepreneurial preferential measures to support the students start their own business, national governments have i