Su Changchun, in his twenties, grew up in Qingchuan. After graduating from college, I worked in many industries such as stadium operation and management in Chengdu, and I am a leader among my peers. After the Wenchuan earthquake, Su Changchun returned to Qingchuan and devoted himself to post-disaster recovery and reconstruction. He found that Qingchuan is hundreds of kilometers away from Chengdu, with high logistics costs and a shortage of building materials including steel. The progress of urban and rural permanent housing renovation is stuck in building materials.
Therefore, Su Changchun went to the surrounding provinces and cities to investigate steel production enterprises and identified a number of reliable steel suppliers. August 20 12, registered Qingchuan Peng Yu Building Materials Co., Ltd., and set up branches in Zhuyuan Town and Liangshui Town of Qingchuan County respectively, mainly selling steel for housing reconstruction. However, the company's lack of liquidity has constrained Su Changchun everywhere.
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Tang Zhonghua is famous in Rong County, Zigong City. In 2004, Tang Zhonghua returned to his hometown with a master's degree and started a pig farm. Mr. Swine? His fame spread quickly in the local area. Tang Zhonghua led the local people to get rich. The two professional cooperatives he led alone helped 130 farmers improve their varieties and increase their income.
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At the beginning of 20 12, the net profit of selling a commercial pig can reach 300 yuan, which is a great temptation for Tang Zhonghua, who is in the growth period of entrepreneurship. It is urgent to expand the scale of pig raising, but it is difficult for Tang Zhonghua to apply for commercial loans because there is no collateral.
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Facing the surging entrepreneurial enthusiasm of Sichuan youth and the capital bottleneck encountered in their entrepreneurship, the Communist Youth League Committee and China Postal Savings Bank Sichuan Branch? Go straight to the source of the problem? , launched? Sichuan Youth Microfinance Project? China Postal Savings Bank Sichuan Branch will open on 20 12? 20 12 year appropriation 10 billion yuan to help Sichuan youth start their own businesses? Admission fee? .
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Get rid of those on the road to entrepreneurship? Obstacles
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At the beginning of 20 12, Su Changchun learned an important news: Sichuan Youth Microfinance Project? It's activated. With the help of Tuanqingchuan County Committee, Su Changchun applied for a loan for the first time. A few days later, the loan he applied for was approved.
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Su Changchun said that this important liquidity allows enterprises? Live broadcast? Come here. He opened two stores, selling steel at a price lower than the market price per ton 120 yuan, and specially equipped four technicians to provide technical guidance for farmers free of charge. At the same time, more than 30 jobs have been created.
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Nowadays, running back and forth between Qingchuan and Chengdu has become the normal life of Su Changchun.
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Tang Zhonghua didn't expect that after graduating from college for many years, he would become attached to the Youth League again.
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? Sichuan Youth Microfinance Project? Just when the farm needed money most, it broke into his field of vision. Unsecured loan? Let Tang Zhonghua overjoyed. Under the recommendation of Rongxian Youth League Committee, it took him only three days to get a loan of 65,438+10,000 yuan. With this money, Tang Zhonghua introduced improved varieties, bought feed and successfully expanded the scale of breeding. He also appeared to encourage 16 business partners around him to apply for young people's small loans, and the total amount of loans obtained reached 1.23 million yuan.
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20 12 On February 20th, 12, Tang Zhonghua stood on the slope of a rabbit farm in Rong County and talked about his development plan. 20 12 I rented the 500 mu of land in front of me, and the manure of livestock was used as fertilizer for nearby vegetables to form ecological agriculture. ? He pointed to several red houses in the distance and said, I also want to buy some farms around and expand the scale. ?
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Su Changchun and Tang Zhonghua, just taste? Sichuan Youth Microfinance Project? A small number of young entrepreneurs. According to the latest data, the youth entrepreneurship microfinance project in Sichuan started at the beginning of 20 12, and by the end of 20 12, 3 12, China Postal Savings Bank Sichuan Branch has been * * piloted 19 secondary branches? Sichuan Youth Microfinance Project? A total of 1.0 1.787 million yuan was granted through local youth league committees, and the number of young people loaned was 1.347.
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Cupcakes are delicious.
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Financing difficulty is almost the same trouble for entrepreneurial youth. For banks, lending to this group means taking high risks, but not necessarily high returns.
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The sword goes sideways and finds another way. China Postal Savings Bank Sichuan Branch takes serving agriculture, countryside and farmers and supporting young people's entrepreneurship and employment as its work direction. At the beginning of 20 12, this newly established youth bank joined hands with the Sichuan Provincial Committee of the Communist Youth League to take the lead in launching? Sichuan Youth Microfinance Project? . This move is also leading in the country.
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According to the staff of Sichuan Branch of Postal Savings Bank, Sichuan Youth Microfinance Project? Insist? Guaranteed profit? In principle, the financing cost of young people can be reduced from two aspects: first, the interest rate is preferential, and the bank exempts some interest from the entrepreneurial youth who normally repay the principal and interest; Second, there will be bonuses provided by the Communist Youth League organizations to entrepreneurs who normally repay the principal and interest? Honesty and trustworthiness award? . She calculated an account: if the loan 1 1,000 yuan, 1 year is paid off in full, after all the income and returns are obtained, she only needs to pay 529.2 yuan interest a year. ? In other words, the financing cost is about 2/3 lower than that of ordinary small loans.
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More importantly, youth microfinance has lowered the financing threshold. The above-mentioned staff said that small loans do not need mortgage, but banks need the applicant's authoritative credit certificate, specifically? Sichuan Youth Microfinance Project? The recommendation letter of the Communist Youth League organization is an authoritative credit certificate.
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Today's entrepreneurial seeds may be pregnant with tomorrow's business giants. Jing Zongquan, president of Sichuan Branch of Postal Savings Bank, believes that youth microfinance is a project that benefits the people. Sichuan Branch of Postal Savings Bank will make the cupcakes taste big and create a green channel for young people's entrepreneurial dreams. ?
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