个人如何申请创业担保贷款？

Group 1 - The core concept of the entrepreneurship guarantee loan is to support individual entrepreneurs or small micro-enterprises through loans backed by guarantee funds or government financing guarantee institutions, with interest subsidies provided by the finance department [2] Group 2 - Eligible applicants for the entrepreneurship guarantee loan include key employment groups such as urban registered unemployed individuals, people with employment difficulties (including disabled individuals), veterans, released prisoners, college graduates (including university student village officials and returnees from studying abroad), workers from enterprises with excess capacity, returning migrant workers, online merchants, poverty alleviation populations, and rural self-employed farmers [3] - The maximum loan amount for individual entrepreneurship guarantee loans is 300,000 yuan, with a loan term not exceeding 3 years [3] - There are no household registration restrictions for various loan applicants, including college graduates, under the current entrepreneurship guarantee loan policy [3] Group 3 - To apply for entrepreneurship guarantee loan interest subsidies, individuals or small micro-enterprises must first apply for qualification review with the local human resources and social security department [5] - After passing the qualification review, applicants must submit a guarantee application to the local entrepreneurship guarantee loan fund management institution or government financing guarantee institution and a loan application to the bank [5] - Many regions are utilizing information technology to streamline the application process, significantly reducing the need for offline material submission and improving processing efficiency [5]