Compensation means that the government replaces the lender and becomes the debtor of the bank loan. From the perspective of civil legal relationship, you can repay debts on behalf of a third party. The government needs to use financial funds to repay debts on behalf of the third party, so whether the funds have passed through the National People's Congress is a key issue, otherwise it is illegal to use financial funds. If you don't repay the loan on behalf of the debtor, but temporarily advance or purchase the bank's creditor's rights, so as to further collect the loan from the lender, it doesn't make much difference to the lender. The greatest value is to encourage banks to provide credit loans to young people through the government, which is desirable for promoting economic development. But we should also consider the legal and compliant use of financial funds.

The relevant person in charge of the Zhejiang Provincial Department of Human Resources and Social Security said in an interview with CBN that the relevant policies existed as early as 20 15. According to the official website news of the Ministry of Finance, in February 2065438+2006, Hangzhou Central Sub-branch of the People's Bank of China, Zhejiang Provincial Department of Human Resources and Social Security and Provincial Department of Finance jointly issued the Implementation Measures of Zhejiang Province (hereinafter referred to as the "Implementation Measures"), which standardized the conditions, loan amount, interest rate, term, application process, financial interest subsidy and compensation of venture guarantee loans.

The "Implementation Measures" clarify that business guarantee loans are divided into two categories: the first category is loans guaranteed by business guarantee funds; The second category refers to loans secured by mortgage, pledge, guarantee and credit. Who can apply for a business guarantee loan? According to the "Implementation Measures", legal representatives of enterprises, private non-enterprise units and individual industrial and commercial households (including recognized network entrepreneurs) who started their business for the first time after 20 15 65438+ 10/and registered within three years can apply for business guarantee loans if they have a good personal credit record within the working age.

Among them, key groups, that is, college students and college graduates who have graduated within 5 years, people who have registered unemployment for more than half a year, people with employment difficulties, retired soldiers in cities and towns, and certified disabled people can apply for Class I and Class II loans; Others can only apply for second-class loans. In recent years, on the one hand, the number of college graduates has reached a new high, on the other hand, the competition in various regions is fierce. Many places have issued warm invitations to welcome college graduates from all over the country to work and start businesses here.

It is certainly a good thing that talents are valued and become the core resources of local competition. Various places have introduced subsidies for talents' residence or housing rental, and the highest amount reaches 1 10,000 in relatively high places. In contrast, the standard of 200,000 to 400,000 in Zhejiang is actually not high.

However, because the policy of "compensation for failed loans from the government" is full of new ideas, it is Zhejiang that attracts people's attention in hot search. The same is to spend money to attract talents. How can we better "play with flowers", create topics and attract attention? This operation in Zhejiang can be described as textbook level. As soon as the policy was announced, it achieved the best results.