1. Under the guidance of the policy of "mass innovation and mass entrepreneurship", it can help college students who have entrepreneurial ideas but lack start-up funds to start businesses and create an entrepreneurial atmosphere for college students.
2. Relieve the employment pressure of college students. At present, the employment pressure of college students is heavier. College students' self-employment can not only solve their own employment problems, but also promote the development of local economy and find jobs for more people.
3. It helps to attract high-quality talents. Zhejiang province uses policies to reduce the risk of college students' entrepreneurship and make appropriate compensation for college students' entrepreneurship, which is helpful to inspire some eager college students to put it into practice. Even if they fail to start a business, they have accumulated experience for the next venture.
Second, should young people take out loans to start businesses?
A: Encouragement is reasonable.
You think this project should be loaned.
Entrepreneurship is a narrow escape, so we should be more cautious when the current environment is not optimistic.
If the family conditions are not particularly superior, especially if you are old and young, your fault tolerance rate will be lower. Even if you fail, you will be fine all your life.
These are two questions:
First, the year should vary from person to person, mainly considering three aspects: product line and audience, management team, funds and resources. If you have core competitiveness, you must take the initiative to start a business. You can succeed, but if you don't do it, you will regret it.
The second question is whether the source of funds depends on bank loans to solve the financial difficulties in this way, but if you don't come, you can't bring trouble to your family (
If you are a young man just out of college, it is not recommended to start a business with a loan unless you are studying. The variety and cruelty of shopping malls are not graduates.
If they have certain work experience and suitable products and business models, young people can try to start a business, but they should pay attention to controlling the leverage level of loans and not adversely affect their normal lives because of starting a business.
You need to look at the preconditions. After all, entrepreneurship has a success rate. Venture loans need to be treated rationally. If you are sure, you can. If you haven't started a business yet, you can start one first.
Dialectically, but the big probability is to try not to borrow, borrow less! You can't make money and the market can't be yours. Step by step, take a long way!
Let's put aside all environmental factors and briefly talk about this topic.
In the past, the policy supported young people to start businesses, supported by venture capital, and provided three-year interest-free loans (many people definitely said that they didn't have it there, or they couldn't get it themselves, but they didn't fail to implement it. Many local people don't have good projects and good quality resources, so it is difficult to implement)
Banks need to avoid risks, so you need to provide proof of three-party assets, such as whether you have a real estate license, or how it was established, whether it is a real economy, whether it drives people to find jobs, and so on. The loan amount is about 300,000 to100,000. It is estimated that many people can't get100000. On average, most people can get 30 thousand.
Young people have innovative ideas, many industries need innovation, and old people need to grow fresh blood. Post-90s entrepreneurship is the most waiting industry replacement, and new derivative industries are still being explored. Therefore, the environment needs this group of people to start businesses, to update and change old traditions, and to break boundaries with new ideas.
Now let's review the topic and talk about whether we should start a business with a loan. Let's get straight to the point. Personally, the family burden is not great. For example, if you are not making money alone, you can try some, so that even if you fail, you can make a quick comeback, which is very helpful.
Let's talk about it If you have no employees, no marriage, no assets and no savings, you need to be cautious about starting a business with loans, because you can't afford to fail, let alone start a business with loans. If you have technical blessing, you can consider starting a business. If you have nothing, what can you support? Even if you have nothing but ideas in financing, who will invest?
Yes, the only way out now is to start a business, but it seems easy for them to stand and talk. They have failed and are in debt. They were not executed. They really want to start a business. They can work first, start a business, recharge their batteries in society and accumulate contacts. They should know the industry rules. Don't always listen to others and fantasize, ah, you are right. I had nothing. I lost everything.
You must have some savings in society before you can choose to start a business. At this time, you can borrow it or not. When you have nothing to start a business, failure is an abyss, and you can't afford this loss.
In other words, if you don't have a good project and a good goal when you start a business, the probability of failure will be greatly increased if you find one temporarily.
Starting a business with a loan is equivalent to entering the stock market and adding leverage. Venture loans generally include policy blessing, government discount or restriction, and operation. What banks operate is risk, which shows that entrepreneurship is very risky.
According to the current actual situation, it has to be built in if it is good. People nowadays are very distressed and blind. Explain all the hardships and practices! To bear the burden of humiliation at present is to accumulate virtue and do good! Remember that a person who is unlucky will blindly choose venture capital! When you are unlucky, you are accumulating your blessings. Don't worry. You don't report it. Not yet. Report everything then!
3. Is there a business loan? If so, what is it? Please explain.
Personal business loan refers to the loan provided by the bank to support the development of private economy, private enterprises and individual operators in order to help individuals in urgent need of development achieve their development goals as soon as possible in accordance with relevant national policies. At present, many banks have launched personal short-term small-scale venture financing business, which can often help entrepreneurs in the start-up period. As early as August 2003, China Bank, China Everbright Bank, Guangdong Development Bank, China CITIC Bank and other financial institutions successively launched "personal business loans" projects, while China Agricultural Bank launched the "Measures for the Administration of Personal Production and Business Loans" as early as September 2002, and it has been running. However, due to the large demand in the venture loan market, the application threshold for such loans is relatively high. There are many applicants, but few people get the money. The reason is that banks are commercial organizations after all, and the first consideration in granting loans is the safety of funds. For the safety of loan funds, the threshold is often raised a little, or stricter. Therefore, strict loan evaluation has become one of the characteristics of venture loans. Banks generally need three conditions to provide loans to individuals or enterprises: pledge, mortgage and guarantee. It is not difficult to get a loan if you can provide the information stipulated by the bank and provide appropriate mortgage. Generally, funds can be obtained within one month after providing complete relevant information and supporting materials. The application conditions are (1) at least 18 years old, with legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and with fixed residence or business premises; (2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest; (3) The borrower has certain self-owned funds for investment projects; (4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment; (5) Open a settlement account in the bank, and the operating income will be settled by the bank. In addition, the bank has some requirements, such as the need to open a settlement account in the bank and conduct daily settlement through the handling bank. When applying for this kind of loan, the application materials are three key points: first, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds. Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method. Amount Requirements The amount of the venture loan is generally required: the maximum amount shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range. For individual entrepreneurial loans with loan repayment method of 1 and loan term of less than one year (including one year), the principal and interest will be repaid once at maturity, and the profits will be paid off with the principal; 2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. The relevant preferential policies depend on your local government. Some local governments are trying to find ways to help private enterprises and individuals with entrepreneurship and encouragement.
4. What is the significance of venture capital?
Venture capital, also known as venture capital, refers to a kind of capital provided by professional investors for fast-growing emerging enterprises, which has great appreciation potential.
Venture capital enters these enterprises by buying equity, providing loans or both. Venture capital is the capital used for venture capital. The sources of venture capital vary from country to country, such as individual and family funds, foreign funds, insurance company funds, annuities and large industrial companies. It is mainly a form of capital to raise funds by private placement and set up in the form of companies and other organizations to invest in unlisted emerging small and medium-sized enterprises (especially emerging high-tech enterprises) to take high risks and seek high returns.
In China, the so-called "industrial investment funds" belong to venture capital funds.