The Girl Who Opened The Shop Got 100 Thousand Loan &Nbsp; Before The Spring Festival, "Kill": Earned 100 Thousand Yuan.

The 100 thousand yuan loan has just started on Taobao.

Liu Yi, 25, runs skin care products. She says she wants to use the money to hoard a large quantity of goods and then participate in Taobao.

Yu Jiahui is 25 years old and sells women's clothing online.

He said that 100 thousand loans can be divided into two parts, one for offline use.

Zheng Yan, 24, runs handmade ornaments.

To apply for a loan, she wants to expand the scale of operation, rent a larger studio, invite more customer service personnel......

In August 2010, a new small secured loan policy was introduced in Hangzhou.

The loan amount is raised to 100 thousand yuan.

The maximum amount of projects involving pformation of scientific and technological achievements, research and development or cultural and creative projects can also be raised to 200 thousand yuan.

It is especially mentioned that online shop can also be classified as the scope of small loan guarantee.

In January 4th of this year, the first batch of small secured loans in Hangzhou was issued. 10 small businesses received interest free loans amounting to 1 million 140 thousand yuan and two yuan, three of which were online stores.

Liu Yi, Yu Jiahui and Zheng Yan borrowed 100 thousand yuan, 100 thousand yuan and 80 thousand yuan respectively.

For a while, it has become the focus of attention of Internet entrepreneurs.

100 thousand yuan "spike" out of 100 thousand yuan.

Liu Yi, a native of Taiyuan, Shanxi, went to Hangzhou to work in a bank after finishing her major in international economics and trade at Anhui Finance and Economics University.

In October 2008, Liu Yi resigned to start a business in Taobao.

Starting from 400 yuan, we sell some natural powder for skin care.

Two years later, she has owned a double crown Taobao store and a Taobao mall flagship store, and has also registered her own skin care brand.

She rented a more than 200 square meter office space in the Xiasha e-business Park, with 12 employees working for her, with a monthly turnover of at least 4.5 million.

A few months ago, Taobao launched the spike marketing campaign, and Liu Yi tried to take part in it.

At that time, 3000 items of skin care products could only be hoarding because of insufficient funds.

Unexpectedly, these 3000 pieces were killed in 47 minutes, and 1500 related sales were launched.

Liu Yi's eyes shone with profit.

Being suffering from insufficient funds and unable to let go of a big fight, Liu Yi received a phone call from the cloud water community. The community staff said she was in line with the standard of small loan guarantee and suggested applying for it.

Liu Yi immediately ran to the community to fill out the application form.

"The application is not complicated, but only needs 10 days of entrepreneurship training.

Just now, I had attended this training at the beginning of my career, and I had a training certificate.

I'll ask a friend who is a teacher to give me a guarantee.

It only takes half a month to apply for a loan.

It never occurred to me that it was so fast! "

Liu Yi put the 100 thousand yuan into the spike activity.

In January 13th, she launched a skin care product, which hoarding 10 thousand items and killing 5 hours.

The turnover of these 10 thousand pieces has reached 270 thousand, plus related sales, and 5 hours has created the turnover of the past month.

"The first cycle of the 100 thousand yuan loan has brought about 100 thousand yuan profit to my shop," Liu Yi said.

Online shops that want to borrow money want to do more business.

Zheng Yan, a Hangzhou girl, is also the crown seller of Taobao.

She studied art design and worked in a private enterprise after graduating from college.

Later, she designed some hair ornaments, hoops, and so on. After hand sewing, she sold them in Taobao and sold them pretty well.

In June last year, she quit her job, rented a two bedroom apartment of 60 square meters, and recruited 3 employees to operate online shops full-time.

Since then, it has developed rapidly and its turnover has increased to 150 thousand to 200 thousand yuan per month.

Venues and manpower are not enough, and it is urgent to expand the scale.

At the end of last year, Zheng Yan saw the news of the new small loan policy and took the initiative to run to the community to consult and declare.

The money arrived, and because of the inconvenience of the new year's logistics, Zheng Yan gave the staff a holiday.

She said that when the new year is over, the money will be used to rent bigger houses and recruit more people.

Yu Jiahui, a woman who sells women's clothing, is a young man in Hangzhou.

After graduation, I went to the Internet company to be a white-collar worker. I loved my family as an intermediary.

Finally, try selling clothes online.

At the beginning of selling men's clothing and selling best, they earn more than 100 yuan a day.

"Transformation" sells women's clothing, making 300 yuan from one day to 3000 yuan.

Confidence came, registered its own clothing brand, opened a physical store in downtown Fuyang last August, then opened second in Fuyang, and opened third in the west of Hangzhou.

Got 100 thousand loans, Yu Jiahui said, he plans to use this money to open fourth entities shop, and began planning network promotion.

Online shop operators can apply for small secured loans in this way.

- confirmation of employment Online

If online shop operators want to apply for small loans, they must first get the "online employment recognition certificate".

It is still very easy to get the certificate. As long as the seller's credit score reaches more than 1000 points, and the rate of praise is above 98%, or the business is over three months, and the monthly income exceeds the minimum monthly wage standard in Hangzhou, you can log on to the Hangzhou labor safety net (www.zjhz.lss.gov.cn) to put forward the application of online entrepreneurship and employment recognition.

The labor department will verify the website of the shop and confirm the certificate.

- take part in entrepreneurship training

Entrepreneurship training is a must.

Through the free enterprise training organized by Hangzhou municipal government departments, we can enhance the risk awareness and entrepreneurial ability of loan applicants.

It helps to avoid venture risk and improve entrepreneurial success rate.

Since the introduction of the new micro credit loan policy, Hangzhou has organized 2 training courses for IYB (improving your enterprise), 5 days per day, and 33 graduates. SYB, a 33 year training course for college students, has 10 days off the job and 872 people in the field. The SYB training class for the unemployed is 9 times, with a 10 day period of study and 148 people.

Get the certificate of entrepreneurship training before you can go to the labor security service office of the community (Village) in the household register, submit a written application for loan.

- provide security certificate.

There is a key to the application materials - effective guarantee materials.

There are four ways of guaranty. The borrower can choose one of them: one is to provide guarantee for 1 institutions in six cities and districts (upper City, lower city, Xihu District, Gongshu District, Jianggan District and Binjiang District); two is to provide guarantee for 1 or more workers who have six urban household registration, fixed residence and stable income; three is to provide guaranty by 1 enterprises registered in the six cities and regions with the guarantee capability; four is to provide mortgage guarantee for the property in the six districts of the applicant owned or shared by the six cities.

New Hangzhou people have to wait for some time to apply.

The policy of small collateral loan is currently targeted at the independent entrepreneurs of the household registration system in the main urban areas of Hangzhou.

Enjoy full discount.

The longest loan period is 2 years, and the number of loans for the same support object is up to 2 times.

The city's Labor Department said that in another period of time, the "new Hangzhou people" who had been in stable employment for six months or more and paid social insurance premiums could also apply for a small secured loan with a "job registration certificate" and enjoy a 50% discount.

Details of the "job registration certificate" will be issued soon.

The amount of small secured loans generally does not exceed 100 thousand yuan, involving the pformation of scientific and technological achievements, research and development or cultural and creative projects, the maximum amount can be increased to 200 thousand yuan.

But not all businesses can apply for loans independently.

The construction industry, entertainment industry, advertising industry, housing agency, sauna, massage, Internet cafes, oxygen bars, shampoo, foot bath, chess cards and so on can not be applied according to regulations.

Small loan guarantees are simple and convenient, and generally less than one month from application to payment.

The loan discount interest shall be paid in advance, then the borrower will repay the principal and interest of the bank on time and apply for a discount application to the community (Village) labor security service room which accepts the loan application.

Interest is given after audit.