Soon after graduation, I want to start my own business, what channels should I use to prepare for it

For some people, start-up capital is a headache. If you are worried about funds in the early stage of starting a business, you can consider choosing an online microloan to relieve the pressure.

It is recommended to use the money to spend, the money to spend is the credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services.

With money to spend on consumer loans, the daily interest rate is as low as low, and the annualized interest rate is as low as low, which has the characteristics of easy application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

On May 21, 2021, Du Xiaoman Finance launched a small and micro activity with the theme of "Home and Wanye Xing", providing 100,000 copies of "Daily Interest + Million Insurance" gift packages to help small and micro enterprises grow their families. The number is limited, first-come, first-served, please refer to the details of the event on the page of Du Xiaoman Financial APP.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

You can go to YBC and have a look, I don't know if it will be useful to you.

YBC is the China Youth Entrepreneurship International Program OrganizationThe China Youth Entrepreneurship International Program (English name is youth business China-ybc) is an international cooperation project initiated by the Youth League ** and the All-China Youth Federation to help Chinese youth start their own businesses. The project refers to the model of youth entrepreneurship supported by the UK-based Youth Business International, mobilizing all sectors of society, especially the business community, to provide advice and financial, technical and network support for youth entrepreneurship to help young people succeed in entrepreneurship.

The English name of the China Youth Entrepreneurship International Program is youth business China, abbreviated as YBC.

The purpose of the YBC program is to cultivate entrepreneurship, improve entrepreneurial ability, promote corporate social responsibility, and promote the coordinated development of economy and society.

The business supervisory unit of the YBC project is the Communist Youth League, and the organization and implementation unit is the China Youth Social Education Association.

By accepting donations and funding from the public, YBC has established a youth entrepreneurship special** to provide eligible young entrepreneurs with interest-free start-up capital and "one-to-one" mentoring and other public welfare services.

It is not recommended to start a business just after graduation, if you must, you can consider a small loan for college students, which is more suitable for you, generally banks provide this, and the policy is also preferential, and the interest rate is low, or even not.

It depends on the type, scale, and location of the selected project.

Startup Financing Pathways:

1.Bank loans.

Bank loans are known as the "reservoir" of entrepreneurial financing, and there is a "mass base" among entrepreneurs. A line of credit refers to a loan granted by a bank solely on the basis of trust in the borrower's creditworthiness, and the borrower is not required to provide collateral to the bank. Secured loans.

Refers to a loan issued on the basis of the credit of the guarantor.

Discount loan refers to a loan in which the borrower applies to the bank for discount with unexpired bills to finance funds when the borrower is in urgent need of funds.

2.Venture capital. Venture capital is a high-risk, high-return investment in which venture capitalists enter a start-up in the form of equity participation. Venture capital favors high-tech start-ups.

Venture capitalists are reminded that they are more concerned about the profit model of the startup and the entrepreneur himself.

3.Private capital. The investment operation procedures of private capital are relatively simple, the financing speed is fast, and the threshold is also low.

Many private investors are reminded that when investing, both sides should put all issues on the table and express them clearly in writing. In addition, conducting research on private capital is a "compulsory course" before financing.

4.Financial leases. Financial leasing is a kind of credit method with financing as the direct purpose, which is a borrowing on the surface, but in essence it is borrowing capital and repaying it in installments in the form of rent.

Extended information: 1. Entrepreneurial methods.

There's a little secret about starting a business, and that's that starting a business is a painful thing to do, and it can make entrepreneurs feel uneasy. The greater the entrepreneurial idea, the more lingering pain it will bring and keep the startup team awake at night.

It is only when the idea of starting a business becomes clear that the pain may be slightly lessened. However, the troubles that entrepreneurs have to endure, the sweat and even the tears shed will not end there. In the painful process of starting a business, the first team of the entrepreneurial partner group Tangerine Lu should understand the following points, in order to make the road to entrepreneurship easier.

2. Life planning.

Entrepreneurs and their business partners should manage their personal finances separately from their corporate finances. Before starting a business, make sure that there are no problems in your personal life, otherwise it will be difficult for you to succeed. Entrepreneurs and their entrepreneurial partners can take out loans to meet the needs of their company's working capital.

Entrepreneurship is about living better, and life is not about starting a business better.

Now there are many channels for entrepreneurial financing, if it is a small cost to start a business, you can consider applying for Internet microcredit loans for entrepreneurial financing, such as Du Xiaoman Finance has money to spend, the amount is high and the interest rate is low, it is understood that among the credit users of Du Xiaoman Finance, seventy percent are small and micro business owners, and big brands are more at ease.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

1. Own funds. This is mainly their own deposit, generally people who have worked for a few years have more or less a little deposit, this part of the money is the basic ** of their own business.

Second, equity financing, refers to entrepreneurs or small and medium-sized enterprises to give up a part of the equity of the enterprise to obtain investors' funds, so that investors occupy shares, become shareholders, rather than borrowing, is with a certain risk of financing nature, is the investment and financing of both sides of the benefit sharing, risk sharing of financing methods, for small and medium-sized enterprises that do not have bank financing and capital market financing conditions, this financing method is not only convenient, but also operable, is a realistic financing channel for entrepreneurs and small and medium-sized enterprises.

3. Debt financing refers to the financing of entrepreneurs or small and medium-sized enterprises in the form of loans from banks and other financial institutions or loans from non-financial institutions (private loans), and the parties must repay the principal and pay interest after a certain period of time. Loans to financial institutions need to meet certain conditions such as mortgage, credit, pledge guarantee, etc., while private lending relies more on credit and third-party guarantees.

Hello start-up capital is mainly supported by banks, you can consider bank loans, because bank loans are more formal:

Clause. 1. Shanghai Pudong Development Bank is relatively fast, and the procedures are also very simple, and the interest rate is high.

Clause. Second, the Bank of China's loans are also relatively fast, adapting to the rapid loans of some enterprises and individuals.

Clause. Third, the speed of the Agricultural Bank of China's loan is also relatively fast, and the procedures are simple and convenient!

If college students want to start a business, what are the ways to get funding?

I see that there are several types of investment, the first is to pull friends and classmates and invest money together. The second is to goHaidian, BeijingThe startup coffee over there, participate in a roadshow event, or a competitionVenture capitalAt the café in Haidian, Beijing, you can meet venture capitalists at any time. The third is the dark horse of entrepreneurship, you can participate, in addition to meeting mentors and investors, you can also have like-minded people to start a business together.

Proposal

There are other netizens' opinions: It is commendable for young people to have great ambitions, and it is good to want to create a grand cause, but you must think clearly about the start-up capital, that is, you can't borrow money that shouldn't be borrowed. Starting a business is not only difficult, but also carries a high level of risk.

Don't just think about the good, but also the bad.

I used to start a business, and I was also facing the problem of insufficient funds, I thought about borrowing from neighbors, friends, relatives, and in the end, I felt that these relationships were unreliable, because my business venture was very risky, and if it failed, these debts could not be repaid in a year and a half. Once it is not paid for a long time, others will come to collect debts, and at that time, the relationship will be stiff, relatives are not relatives, and friends are not friends.

After careful consideration, I felt that I had to borrow from the people closest to me, so my wife went home and borrowed from her parents, and I borrowed from my own parents, so that I could get the start-up capital. Since I was familiar with the industry I started my own business, I was able to repay my parents' money in less than a year. The subject is facing the same situation as me, I suggest that you seek the help of your parents, and try not to borrow from people who are far away to prevent unexpected risks.

If there is a large gap in funds, you can apply for a start-up capital loan, and now the state has a lot of support for college students to start their own businesses. There is another way to go, that is, to find a partner and take the road of risk sharing and benefit sharing, which is the safest way.

You can venture capital, then you can also get a loan from a bank, you can borrow from a financial institution, you can take advantage of state policy, you can ask for help from your parents, relatives.

You can ask your parents for help, and then you can raise your own funds, you can raise funds in society, you can take out mortgages, you can take loans from banks and financial institutions, you can apply for venture capital.

You can apply with the relevant local departments to go to the enterprise to attract investment and sponsorship.