I graduated from college in 2008. I want to open a clothing store in Xi 'an. How to apply for college students' entrepreneurial loans?

1. Are you suitable for personal business loan?

It is not difficult to get a loan if you can provide the information stipulated by the bank and provide appropriate mortgage. Generally, funds can be obtained within one month after providing complete relevant information and supporting materials. However, among many proof materials, the proof of collateral, that is, the proof of guarantee, is more difficult. If you have equivalent property as collateral, the problem can be easily solved. But the point is, for entrepreneurs, I'm afraid there is not so expensive collateral. To solve this problem, we can only find a professional guarantee company. But there is no such thing as a free lunch. The guarantee company that provides guarantee for you will not let you go easily, and the guarantee company will charge you a huge guarantee fee, because according to the relevant regulations, the guarantee institution will charge the lender a fee not exceeding 50% of the bank loan interest rate in the same period, which undoubtedly increases the burden on entrepreneurs.

In real life, due to the great responsibility of guarantee companies, many companies will charge some risk compensation in other names, which has also become an important factor hindering personal business loans. Not everyone is suitable to take the road of starting a business loan. Some people think that loan financing is not suitable for everyone. We visited relevant experts of Guangdong Development Bank for this purpose. According to experts, they think this view is correct, especially since they have just started a business and have no entrepreneurial experience in this industry, it is inevitable that there will be business risks. For those industries with certain operating experience, good operating efficiency and business scope encouraged by the state, banks may consider giving loan support.

2. What materials do I need to apply for a bank loan?

I. Basic information of the borrower and guarantor

Two, the financial department or accounting (audit) affairs department of the previous year's accounting report, as well as the accounting report before applying for a loan.

Third, fill out the loan application form.

Four, the original unreasonable occupation of loans to correct.

5. List of mortgaged property and pledge, the certificate that the person who has the right to dispose of it agrees to mortgage and pledge, and the relevant documents that the guarantor agrees to guarantee.

6. To apply for medium-and long-term loans, the following materials shall be provided: the project feasibility report, the report on the completion of the preparatory work for the project construction, the certificate that the specified proportion of funds have been deposited in the opening bank, the implementation of the self-raised liquidity required for the project investment plan, or the commencement notice and supporting materials approved by the competent unit.

3. Special loans for female college students' entrepreneurship

Women's Federation's microfinance will "expand" Ren Yue next year.

The reporter learned from the Municipal Women's Federation yesterday that the women's Federation's microfinance will be expanded next year. At the same time, it is necessary to increase education loans and products, and strive to launch microfinance specifically for women's small businesses and female college students.

The reporter learned from the general meeting of the Municipal Association for Promoting Women's Entrepreneurship that the micro-credit for women's entrepreneurship, which started at 1999, has granted about 8 million yuan to more than 1000 women, directly creating tens of thousands of jobs. It is reported that in response to the needs of entrepreneurs, the female entrepreneurship loan will increase the loan amount of the second loan applicant to 6,000 yuan, and the loan amount of the third applicant can reach 8,000 yuan. If conditions permit, the initial amount of microfinance can be increased and the scope of lending can be expanded.

At the same time, the Women's Federation will make education loans next year to help more poor mothers. It is expected that poor students who pass the college entrance examination next spring will get loans. Next year, the Women's Entrepreneurship Promotion Association will also increase the types of micro-credit products, and strive to launch micro-credit specifically for women entrepreneurs and female college students.

4. Unemployed college students can apply for a loan of up to 50,000 yuan to start a business.

College graduates apply for small secured loans for re-employment, and the interest will be borne by the government after the repayment of principal and interest. On June 5438+08, the reporter learned from the Employment Bureau that from September 1 day, college graduates who have passed the qualification examination of micro-loans can apply for loans of up to 50,000 yuan each time.

According to the relevant person in charge of the Employment Bureau, entrepreneurship training, entrepreneurship guidance, project development and follow-up services will be provided for college students with entrepreneurial aspirations. College graduates who pass the qualification examination of small secured loans can apply for a loan of up to 50,000 yuan each time for a period of one year. After repayment of the principal after one year, if it is really necessary to continue the loan according to its own business conditions, the borrower must settle the principal and interest of the previous loan before continuing the loan, and then continue the loan for one year.

Re-employment microfinance began in September 2002. Up to now, the whole region has granted loans of 28.86 million yuan, 93 enterprises and 165 laid-off workers have obtained loans, and * * * has resettled more than 2,600 laid-off workers.

5. Five key steps to open a shop and do business.

The first step is to occupy land and choose a good location.

Store location plays an important role in the quality of store business. As the saying goes, the location of the store is one inch worse than the business. A good shop is the fastest and most active place for people, money and information exchange. According to traditional experience, a north-south commercial street is more prosperous than a north-facing commercial street; East-west trend, facing east is more prosperous than facing west; In a traditional commercial street, the most prosperous place is not the two ends, nor the middle, but nearly half and then nearly half, which almost conforms to the golden section law (1: 0.6 18). Of course, this is not absolute. Under the guidance of the advanced concept of modern business environment design, comprehensive consideration of human nature, psychology, habits and other factors can often create a miracle of prosperous shopping malls.

The second step is to think carefully and give a good name.

The name is wrong. The importance of the store number is related to your corporate image and will directly affect the sales of products. Generally speaking, store names should be auspicious, catchy, distinctive and easy to remember. Like selling suits, dresses and high-end accessories, we must rely on "foreign"; Selling traditional handicrafts and selling local products depends on "soil". The more soil, the more distinctive, the more national and the more cosmopolitan. Let customers know themselves, appreciate themselves and trust themselves through appropriate store names, and realize long-term business cooperation. Once the name is planned, it can be passed on from mouth to mouth and publicized for free.

The third step is to decorate skillfully and highlight the personality.

Decoration directly affects the image of the store. Decoration is not for luxury, and certainly not for humbleness and cheapness. What matters is practicality, individuality and taste. Here, we should consider the harmonious collocation of colors, the display of goods, the lighting effect, the choice of background music, the route of goods viewing and so on. All this closely revolves around one principle: to enhance goodwill and promote the desire to buy.

The fourth step is to use advertisements flexibly to catch the eye.

Today's society is an information society, and advertising has become an indispensable conventional weapon. Shop signs, shop windows, packaging bags, price tags, leaflets and Yi Labao booths should all be made, and advertisements are everywhere, eye-catching and easy to remember. In the same market, the eye-catching degree and effect of advertisements inside and outside the store have become an important factor affecting customers' purchase. In addition, to make full use of the industry media, we can do both hard image advertising and soft news propaganda. A smart shop or enterprise always has an annual advertising plan, or artificially creates scenic spots, hot spots, selling points and news points; Or follow the trend and become the focus of the market and customers.

Step 5: Good management is better than good advertising.

Advertising is a retreat, and management is pragmatic. Purchase channels, clerk management, business development, customer communication, revenue and expenditure profits, transportation and logistics are all compulsory courses in daily work, and any link that goes wrong will directly affect the business process. Business management is embodied in every aspect of the daily work of the store and runs through the whole operation of the store. As long as you grasp the working principle of grasping the middle between the two ends, that is, grasping the purchase on the one hand and the sales on the other, improving the daily work level through management, and testing the management quality through daily work, especially in post standards, business processes, system guarantee, customer development and maintenance, your store management quality will definitely rise to a new level.

This website is dedicated to college students' entrepreneurship, and there are many references ~ n.com/Job.asp.