Microfinance loans grant billions of dollars to help young entrepreneurs in urban and rural areas

Youth League to promote China's Youth Entrepreneurship Initiative, grant loans exceed tens of billions of dollars, hundreds of thousands of of young people benefit does not need fixed asset mortgage, do not need enterprise Mister Guarantee, do not need complicated formalities, as long as you are young people, as long as you through the local organization of inspection, review and recommendation, you have the opportunity to obtain from the bank under 100,000 yuan of　　, the loan procedure is more convenient, the interest rate is more favorable.　　This is one of the important initiatives in recent years in which organizations in the region have responded to youth league's call to promote China's youth entrepreneurship and support young people to start small and medium-sized enterprises-to help urban and rural young entrepreneurs get small loans with interest rates. As at the end of October last year, the whole group issued a small amount of rural youth entrepreneurship 12.05 billion yuan, 270380 people to obtain loans, urban youth entrepreneurship small loans, urban youth (including municipal, city)　　Small business loans than last year added 4.076 billion yuan, support entrepreneurship projects 59,051, driving youth employment 173550 people. Innovating a variety of guarantee modes the veterans of the Dazhu Sea Scenic Area in Anji County, Zhejiang Province, have a detailed entrepreneurial plan: 10 acres of land to plant "drunk gold Incense" grapes, for tourists to pick.　　Because the father knows technology, oneself know to promote, originally 5 yuan a catty grape, picking season can sell to 25 yuan a catty. Everything was ready, but he was trapped by "money".　　He went to a local commercial bank ran 11 times, Leng failed to get 100,000 yuan small loans as a start-up fund, "did not say the reason, is no reply."　　Most financiers do not like the "touch" of microfinance, for the simple reason that the cost of dealing with a small loan is roughly the same as that of ordinary or large loans, but the benefits are much less. "Young people start early lack of money, but he has no fixed assets, two no natural guarantee, it is difficult to get loans." "Shangian operated by Jiangsu Nantong Economic and technological Development Zone Huimin Microfinance Company issued a personal loan of about 140 million yuan last year, of which 10% for the Youth League recommended young entrepreneurs, enjoy preferential rates," can only say that is not a loss, not to make money.　　This is why some banks do not talk, and every year they say to small loans, in fact, just put window-dressing. One side is cautious, cherish loans and less loans financial institutions, the other side is a good credit, entrepreneurial will strong, entrepreneurial project profit expectations of notable entrepreneurial youth.　　How can a bridge be established between the two to help young people borrow money smoothly and to reassure financial institutions about cost and risk control? The various organizations have made many attempts to this end, and have explored some good experiences and methods.　　In the way of guarantee, except for UNPROFOR, mutual insurance, mortgage guarantee, credit guarantee, innovation of "youth-friendly", "tutor Band-Type", "financial support", "fund support", "professional security", "Pledge innovation", "industrial expansion" and other financial institutions recognized, easy to operate the form of security. For example, Anhui clear annual payment of 10 million yuan special funds for youth entrepreneurship small loans discount; Liaoning Shenyang to 6 kinds of people, 25 Meager profit undertaking project implementation government discount; Guangxi Hepu Promotion "leading Enterprise + Youth + Bank" mode, the sugar factory for the youth guarantee to apply for loans for sugarcane cultivation and provide technical guidance, young people at the agreed price to sugar factory sale of sugar cane, sugar factory from the youth sugar cane deduction It should also bank loan principal and interest to the Bank; exploration of Guangxi　　Credit Village + Credit Youth + bank "development model, with young Zhi Hundred Village as a rural youth microfinance project Credit Pilot village, has already established 32 credit model households, in the village issued loans of about 1.5 million yuan. Not long ago, Shineming also submitted the application materials to the Township Youth League committee, from the Rural credit cooperatives to a one-year period of 100,000 yuan start-up, interest concessions more than 1, only to the bank 3 times, "No mortgage, no guarantee, find the Communist Youth League Knock Chapter, accept the Youth League Committee to follow the guidance of the future, repayment supervision on the line."　　"Young entrepreneurs prefer a" one-stop "service compared with a 50,000-yuan start-up fund, today's Shangyuan is apparently more focused on a month or two of entrepreneurial training courses, which is exactly the opposite of what she thought a year ago. A year ago, she started the sports services company just started, need a small sum of 50,000 yuan loans, and the group of Dalian Municipal Committee, but was asked to take part in what entrepreneurial training, "What, I have been too busy, where there is no time to participate in training." "She made up her mind to go to the last lecture and show her face, never to go again, unexpectedly, this lesson actually let her addicted to, no class also want to panic." "Originally to borrow money to go to class, now do not borrow, but also want to class."　　"Today's Shangyuan has long been through the" lack of rice "season, began to" charge "and" make business partners "interest. This is the "supporting service" of the small-scale loan for young entrepreneurs in Dalian Youth League--financial and entrepreneurial knowledge training.　　It is reported that only this year, the whole group in the "Send financial knowledge to the countryside activities Month", the organization of various micro-loan knowledge training 11,206, training rural youth 1.05 million people. Youth League Secretariat Hoxha Lu Hao in the Rural Youth Entrepreneurship Microfinance Pilot Symposium, pointed out that youth entrepreneurship, a willingness to rely on capacity, three conditions. In the enterprising youth who will have to solve two problems, one is the quality problem, the other is the condition problem.　　According to the relevant investigation and statistical analysis, in all entrepreneurial conditions, a certain amount of financial support is the most universal entrepreneurial conditions.　　In some areas, the local organizations focus on youth entrepreneurship at the same time, also began to pay attention to the cultivation of a number of young people's entrepreneurial ability, to provide "one-stop" service. Even if he has the ability to rent an office in the future, fresh graduates Guo Huanan not willing to leave the Hubei youth business incubator.　　Because here, there are many of his "hatching friends", they do not regularly participate in entrepreneurial salon, to accountants, lawyers, university management professors, logistics experts, government officials, such as "entrepreneurial mentor" consulting business Administration, business issues, "hatching friends" between sometimes can do a deal. In Hubei, this building area of 2358 square metersThe youth business incubator by the group Hubei Provincial party has built its own, from the pipe for personal use, from microfinance, industrial and commercial registration to scientific and technological innovation, tax management, and entrepreneurship-related "one-stop" service is readily available.　　Similar to the set of microfinance, entrepreneurship training, entrepreneurship guidance and other services in one of the Youth Employment Entrepreneurship Service Center in Jiangsu, Fujian, Zhejiang, Liaoning and other fields have opened.　　The first group has become a "pioneering expert" small loans not only stimulated the young people's entrepreneurial will, but also to grass-roots organizations to bring new vitality. As Shandong Province Laiwu Lae District Miao Shan Town Pig Specialized Cooperatives League secretary, the rural youth Daiju Narita once felt "nothing to do". Hanging "group secretary" title over the years, he has hardly had a decent branch activities, "Everyone is busy earning money, who can be free to participate in activities?" But since last year, league has had a new "action". Daiju Narita issued a notice, "lack of money to raise pigs to open a meeting, league help everyone to do loans, interest rate concessions." "League called for the first time there are so many people to participate in cooperatives under the age of 35 more than 50 young people are almost all."　　League's reputation on this hit, the future of entrepreneurship-related issues that everyone first thought is Daiju Narita. "Benchmark interest rate", "floating 20%", "Risk Control", "bad debt rate" ...　　Nowadays, Daiju Narita's mouth often jumps out some "professional terminology" that makes the family feel puzzled, which is the result of the centralized training of the group district.　　Since the development of microfinance for young entrepreneurs, almost every cadre in the first line of work has participated in related loans, financial knowledge training courses, how to control the loan risk, the project audit steps, how to track the supervision after the loan issued, and several cooperative banks to participate in the training, the first group of cadres have become "entrepreneurial experts."　　With the basic knowledge, they also use their professional knowledge of loans and thoughtful entrepreneurial services to win the trust of young people to become entrepreneurial youth friends. As 9 families in the village have applied for young entrepreneur microfinance, the burden on the shoulders of Peng Huarong League, Anji County Dipuzhen village, Zhejiang Province, is much heavier.　　Every month he will contact these 9 families, on the one hand to understand the other side of white tea cultivation or crawfish culture, on the other hand asked if the other side has on time repayment. If the agricultural product breed condition is not good, then he also wants to seek the township Youth League Secretary, ask the other side to help contact the agricultural Technology station expert to instruct, "everybody is very familiar now, encounters the question all directly calls me." "In the current fashionable words, Peng Huarong and the 9 of their own entrepreneurial youth relationship has reached the" bulk trading, not a friendship "for the sake of, even if the other side no longer need loans, they and the group secretary, and league contact is still in. Reporter Wang Ye