First, what is the rural youth entrepreneurship microfinance? Micro-credit for rural youth entrepreneurship refers to the micro-credit that agricultural banking financial institutions cooperating with organizations at all levels provide rural youth (under 40 years old) with the funds needed for production, management and other entrepreneurial activities. 2. What is the background for the Central Committee of the Communist Youth League and the China Banking Regulatory Commission to jointly launch the "China Rural Youth Entrepreneurship Microfinance Project"? In order to conscientiously implement the spirit of the Third Plenary Session of the Seventeenth Central Committee of the Communist Party of China, the Central Economic Work Conference and the Central Rural Work Conference, implement the requirements of "Several Opinions of the General Office of the State Council on Current Finance Promoting Economic Development", actively respond to the current rural economic and financial situation, better help and support rural youth entrepreneurship, and promote rural reform and development, the Central Committee of the Communist Youth League and the China Banking Regulatory Commission jointly launched the rural youth entrepreneurship microfinance project. Three. What is the working goal of implementing the "Small Loan Project for Rural Youth Entrepreneurship in China"? The goal of implementing "China Rural Youth Entrepreneurship Micro-credit Project" is to thoroughly implement Scientific Outlook on Development under the guidance of Deng Xiaoping Theory and Theory of Three Represents, take micro-credit as the carrier and innovation of financial products and services as the driving force, make efforts to solve the fund bottleneck problem in the process of rural youth entrepreneurship, improve the rural youth entrepreneurship service system, and guide and help rural youth to start businesses locally and migrant workers to return home. Make the supported rural youth become the leaders of rural prosperity and the new force of new rural construction, become the growing customers of future agricultural banking financial institutions, and promote the development of modern agriculture and county economy. 4. What tasks does the Communist Youth League undertake in rural youth entrepreneurship microfinance? (A) a broad grasp of rural entrepreneurial youth information. It is necessary to give full play to the advantages of a sound organizational system and extensive contacts, find out the situation, foundation and conditions of rural youth with entrepreneurial aspirations, and understand the capital needs of rural youth for entrepreneurship. Widely collect and excavate projects with high scientific and technological content and broad market prospects suitable for rural youth, and implement dynamic management and dynamic release. Establish rural youth entrepreneurial talent pool and project pool, and gradually realize regional networking. (2) Strengthen rural youth entrepreneurship training. Relying on farms, farmers' professional cooperatives, leading agricultural enterprises, etc. Establish a demonstration base for rural youth entrepreneurship to provide a position for rural youth entrepreneurship to learn, learn from and practice; Establish expert service groups at all levels to promote rural youth entrepreneurship, and provide industrial links, information guidance, technical guidance, experience transfer and other services for rural youth entrepreneurship in accordance with the principle of convenience nearby; Give full play to the role of outstanding young farmers' associations, rural youth township (private) entrepreneurs' associations, rural youth brokers' associations and other organizations, build an exchange platform, and promote the exchange of information and experience in rural youth entrepreneurship and loan mutual insurance. Actively strive for support from all walks of life to help rural youth start businesses and find jobs. (three) to conduct a preliminary examination of the loan applications submitted by rural youth and put forward examination opinions, and recommend them to the cooperative agricultural banking financial institutions in a timely manner if they meet the conditions. (4) Create a good policy environment. Promote the establishment of a working system in which the government and relevant departments, banks, insurance and rural entrepreneurs share risks, actively seek the support of the government and relevant departments, and explore the establishment of a mechanism for sharing, transferring and compensating loan risks. In particular, we should strive for local financial departments at all levels to contribute to the establishment of rural youth entrepreneurship loan funds, and guarantee, discount or reward rural youth entrepreneurship microfinance; Give discount support, preferential taxes and fees to outstanding rural youth entrepreneurial projects, and relax the conditions for write-off of non-performing loans. (five) to carry out relevant knowledge training and integrity education for rural youth entrepreneurial loan borrowers, and assist in the loan collection work. 5. What role should agricultural banking financial institutions play in promoting rural youth entrepreneurship microfinance? Agricultural banking financial institutions are one of the important subjects to promote rural youth entrepreneurship microfinance. Local agricultural banking financial institutions should strengthen cooperation with institutions at all levels and do a good job in related work. (a) actively cooperate with organizations to strengthen rural youth entrepreneurship microfinance policy propaganda, to carry out relevant financial knowledge training, to help rural youth improve their ability to obtain financial services and use financial tools. (2) Accelerate the establishment of a "green channel" for rural youth entrepreneurship microfinance. Under the premise of complete legal elements and controllable risks, the loan process and approval procedures should be simplified as much as possible, the approval time limit should be shortened and the approval efficiency should be improved. (III) For outstanding rural young entrepreneurs recommended by the Communist Youth League organizations, the credit support policies of priority inspection, priority rating, priority credit granting and priority loan granting shall be implemented through "green channel for rural youth entrepreneurship credit", "through train for rural youth entrepreneurship credit service" and "one-stop service". (4) Strengthen the management and risk control of rural youth entrepreneurship microfinance, standardize and improve the loan system, business process and incentive assessment mechanism, scientifically set the responsibility ratio and exemption clauses of rural youth entrepreneurship microfinance credit personnel, innovate the rural youth entrepreneurship microfinance credit model and guarantee method, strictly implement the loan "three checks" system, ensure that procedures, management and risk control are in place, and ensure the sustained and healthy development of rural youth entrepreneurship microfinance business. 6. Which banking financial institutions are allowed to start small loans for rural youth entrepreneurship? According to the spirit of relevant documents, various banking financial institutions can cooperate with local institutions to participate in the establishment of rural youth entrepreneurship microfinance business. According to the current situation of resource allocation, business comparative advantages and future development strategies of various banking financial institutions in rural areas, the banking financial institutions that provide small loans for rural youth entrepreneurship are mainly rural cooperative financial institutions (rural credit cooperatives, rural cooperative banks and rural commercial banks), agricultural banks, postal savings banks, city commercial banks, urban credit cooperatives, rural banks, loan companies and rural mutual funds cooperatives. 7. What are the conditions for applying for rural youth entrepreneurship loans? To apply for rural youth entrepreneurship loans, the following conditions are required: (1) Being under 40 years of age and having full capacity for civil conduct; (two) law-abiding, honest and trustworthy, no bad credit record; (3) Have entrepreneurial desire and a certain foundation; Having a fixed residence or business place in the service area of the agricultural banking financial institution; Having the ability to repay the loan principal and interest; (four) venture capital projects in line with the national industrial policy; (5) Opening a personal settlement account with a loan issuing institution; (six) voluntarily accept the supervision of the loan issuing institution on the funds in its account; (7) Other conditions stipulated by the bank. 8. What is the amount of micro-credit for rural youth entrepreneurship? According to the relevant documents, the amount of micro-credit loans for rural youth entrepreneurship is controlled within 30,000 yuan in principle, generally not exceeding 50,000 yuan; Depending on the actual risk of the borrower, the secured loan amount of mortgage, pledge and guarantee can be appropriately increased on the basis of the credit loan amount. In view of the great difference in the economic development level of rural areas in China, the specific loan amount can be determined by both borrowers and borrowers through consultation according to the local rural economic development level, the borrower's production and operation status, debt repayment ability, income level, credit status, loan discount, tax incentives, financial incentives and other relevant preferential support policies. 9. How long is the term of small loans for rural youth entrepreneurship? The term of small loans for rural youth entrepreneurship should be flexibly determined according to the seasonal characteristics of local agricultural production, the production cycle of entrepreneurial loan projects and the comprehensive repayment ability. The specific repayment period can be determined by the borrower and the lender through consultation. The loan term is generally set within 3 years, and the longest is no more than 5 years. X. How to determine the interest rate of small loans for rural youth entrepreneurship? In order to support rural youth to speed up their entrepreneurial development, relevant documents stipulate that, according to the operation mode of "guaranteeing capital and making small profits", the loan interest rate can be given appropriate concessions on the basis of the loan interest rate announced by the People's Bank of China in the same period. Generally speaking, the interest rate of rural youth entrepreneurship microfinance should be determined by comprehensively considering the borrower's credit rating, loan term, capital and management costs, risk level and local market interest rate level, and the mitigation effect of relevant support policies on risks should also be considered. XI。 What are the guarantee methods for rural youth entrepreneurship microfinance? The guarantee method of rural youth entrepreneurship microfinance should be combined with reality and explored and innovated within the framework of legal provisions. Natural person guarantee, legal person guarantee, joint guarantee, guarantee company and other guarantee methods can be adopted, as well as mortgage methods such as real estate, agricultural production equipment, forest right and water beach use right, pledge methods such as accounts receivable, equity, warehouse receipts, certificates of deposit and agricultural products futures, "company+farmers" and "company+professional market+farmers". Focus on agricultural industrialization to reduce the business risk of venture loan projects, and comprehensively use joint credit enhancement means such as credit, guarantee fund and risk deposit to reduce the loan risk.