In order to encourage college students to start businesses, Zhejiang has launched a business guarantee loan. What do you think of this?

1. In order to encourage college students to start their own businesses, Zhejiang has launched a business guarantee loan. What do you think of this?

This is an initiative that is conducive to economic development and personnel training.

The introduction of business guarantee loan can make college students with this idea more brave in starting a business, so that college students can start a business not only in the wait-and-see stage.

College students' entrepreneurial risk is extremely high and the success rate is extremely low. Affected by the international financial crisis, college students' entrepreneurship is even worse. The introduction of this measure is like giving college students a reassurance.

College students' entrepreneurship is the general trend now, which can not only give them enough exercise, but also promote the support of the economy, the state and the government. Zhejiang launched venture guarantee loans to cater to national policies.

Ensure that college students can have a better entrepreneurial environment.

Second, the consequences of insufficient publicity on the policy of entrepreneurial secured loans.

Will have consequences:

It will cause problems such as instability of beneficiaries and no pressure on loan quotas.

1, the beneficiary is unstable.

The main groups of business guarantee loan policies in various places are college graduates, people with employment difficulties and retirees. They generally have the characteristics of lack of entrepreneurial experience, weak economic strength, immature use of loan funds and poor ability to resist risks. The instability of the beneficiary groups means that the risk of venture guarantee loans is greater.

2. The loan amount is inaccurate.

Organization form of venture guarantee loan, etc. In order to delimit the application quota of relevant enterprises or individuals, this distribution method often urges applicants to apply through regulations. For some enterprises with large initial cost and operation scale, the funds they provide are just a drop in the bucket; At the same time, some applicants who lack judgment may have improper use of funds and waste of resources because of excessive loans.

3. It is not easy to implement supervision.

Wenzhou Ouhai survey found that many enterprises filled in the application address during the loan period does not match the actual business address. The bank's own operating system and business combination make some applicants deliberately lie about the purpose of loans in real time, which may also increase the risk of bad debts.

4、

Different industries and enterprises have different development backgrounds, production cycles and operation modes, and their profit levels and profit cycles are also long. The fixed repayment period has increased their operating pressure.

The problem of repayment cycle, because the production cycle is short and its speed is fast; For large equipment manufacturers, the initial pressure is greater because of the large initial investment, long production cycle.

3. Is there any interest on the business guarantee loan?

Commercial secured loans are not interest-free. Personal business guarantee loan, the maximum loan amount is 654.38+10,000 yuan, and the government fully discounts 3% according to the benchmark interest rate announced by the People's Bank of China; For small and micro enterprises, the maximum loan amount is 3 million yuan, and the government gives subsidies at 50% of the benchmark loan interest rate announced by the People's Bank of China for the same period.