Students venture loan status quo difficult employment situation for college students read one hand, on the other college students venture loan less acclaim. Yesterday, the city labor and social security department said: more than two years ago, the city allows business loans for college graduates, only eight students so far successful venture with this policy, the total loan amount of less than 300,000 yuan.
To help students independent venture, January 1, 2004, the revised "re-employment in Chongqing Municipality to the implementation of micro-credit", in particular an increase of "allowing students apply for re-employment loan business," the terms and attach such as the Rush The preferential policies. March 20 this year, the city once again introduced the New Deal: registered as unemployed university graduates, if the use of small loans in the meager profit, according to the full interest rate subsidies.
Series of concessions can be triggered for college graduates has never been an upsurge of business loans. City labor insurance departments of the people responsible for the frustration that the feedback from various districts and counties in the current situation, a university student asked much, really under the fork of the very few.
It is said that these eight students dare to eat crabs, no one fail. Jiangjin and one each from Yongchuan Southwest Agricultural University graduate students, not long after graduation to find work, their loan-to-just a few million each open a veterinary drug stores, is now very good business, than the students have to work more than the income A lot.
Sharp contrast with that in September 2002 to the end of 2005, to the city's more than 20,000 laid-off workers of 356 million yuan loan, the recovery of 130 million yuan has expired. The laid-off workers re-employment loans, only 50 per cent discount.
To encourage students independent entrepreneurs, city is brewing venture loan "green channel" - below 20,000 yuan loans, credit guarantee provided by the Government, do not touch (quality) of the grantor, the Group after the accreditation application with the " Green Passage "words, students can apply to banks with a leading venture capital.
University graduates of the cold business of lending policies » City labor insurance departments of the people responsible for the analysis of today's college students on the one hand is the lack of entrepreneurial courage, but would rather become a "chew on old people," do not want to venture.
Second, the policy of "threshold" stopped a lot of college students. The venture loan application procedures for: to apply to the neighborhood - street Office of First Instance - county labor insurance department - Bank lending approval, the procedure is not complicated, time is not long. Many college students can not provide the key must touch (quality) of the grantor or guarantee.
Third, most banks do not lend positive. At present, the floating rate bank loans of up to two times the benchmark rate, college students venture loan and the implementation of the benchmark interest rate, financial institutions on the low-income micro-credit "Xidai" or not credited to various reasons, the Supreme People's Court in 2004 Promulgated a set of individuals on the housing can not be secured judicial interpretation, some basic financial institutions not only for a housing mortgage loan business; college students venture loan assessment into the general business loans assessment, not implement a separate assessment, financial institutions pressure Chengdai , The impact of the release of university students start-up capital loan.
To help students independent venture, January 1, 2004, the revised "re-employment in Chongqing Municipality to the implementation of micro-credit", in particular an increase of "allowing students apply for re-employment loan business," the terms and attach such as the Rush The preferential policies. March 20 this year, the city once again introduced the New Deal: registered as unemployed university graduates, if the use of small loans in the meager profit, according to the full interest rate subsidies.
Series of concessions can be triggered for college graduates has never been an upsurge of business loans. City labor insurance departments of the people responsible for the frustration that the feedback from various districts and counties in the current situation, a university student asked much, really under the fork of the very few.
It is said that these eight students dare to eat crabs, no one fail. Jiangjin and one each from Yongchuan Southwest Agricultural University graduate students, not long after graduation to find work, their loan-to-just a few million each open a veterinary drug stores, is now very good business, than the students have to work more than the income A lot.
Sharp contrast with that in September 2002 to the end of 2005, to the city's more than 20,000 laid-off workers of 356 million yuan loan, the recovery of 130 million yuan has expired. The laid-off workers re-employment loans, only 50 per cent discount.
To encourage students independent entrepreneurs, city is brewing venture loan "green channel" - below 20,000 yuan loans, credit guarantee provided by the Government, do not touch (quality) of the grantor, the Group after the accreditation application with the " Green Passage "words, students can apply to banks with a leading venture capital.
University graduates of the cold business of lending policies » City labor insurance departments of the people responsible for the analysis of today's college students on the one hand is the lack of entrepreneurial courage, but would rather become a "chew on old people," do not want to venture.
Second, the policy of "threshold" stopped a lot of college students. The venture loan application procedures for: to apply to the neighborhood - street Office of First Instance - county labor insurance department - Bank lending approval, the procedure is not complicated, time is not long. Many college students can not provide the key must touch (quality) of the grantor or guarantee.
Third, most banks do not lend positive. At present, the floating rate bank loans of up to two times the benchmark rate, college students venture loan and the implementation of the benchmark interest rate, financial institutions on the low-income micro-credit "Xidai" or not credited to various reasons, the Supreme People's Court in 2004 Promulgated a set of individuals on the housing can not be secured judicial interpretation, some basic financial institutions not only for a housing mortgage loan business; college students venture loan assessment into the general business loans assessment, not implement a separate assessment, financial institutions pressure Chengdai , The impact of the release of university students start-up capital loan.
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