1) installment repayment system. That is, the repayment period is 3 years; Repayment in the fourth month from the date of loan; Monthly repayment 1380 (if 50,000 yuan is borrowed). This not only helps to reduce the pressure on borrowers, but also helps to cultivate young people's sense of integrity.

2) Project review system. YBC has designed a set of project review processes and standards to ensure the quality and repayment rate of the project. By recruiting entrepreneurial volunteers, YBC evaluates the young people who apply for support and their entrepreneurial projects, and then determines the entrepreneurial youth with entrepreneurial potential and feasible and profitable entrepreneurial projects.

3) Counseling system. Counseling runs through the whole process from young people's submission of business application to obtaining business support. YBC provides counseling and entrepreneurship training for young people before submitting their applications; In the process of project review, the judges not only review the project, but also pay attention to counseling young people and helping them improve their business plans; After young people get financial support, YBC also provides them with one-on-one mentors, providing business guidance, emotional communication and network support for young people. Such a counseling mechanism ensures the survival rate of start-ups and thus the repayment rate.