It was launched by the Central Committee of the Communist Youth League and China Development Bank on the basis of in-depth investigation. In terms of serving young people for employment and re-employment, local league organizations, in line with the idea of "supporting one person to start a business and driving a group of people to take up their posts", cultivate and support young people to successfully start businesses through various means of entrepreneurship assistance. The single amount of youth entrepreneurship is generally within 6,543,800 yuan, and the highest is 6,543,800 yuan; Small and medium-sized enterprises founded by young people generally have a loan amount of less than 5 million yuan, with a maximum of 30 million yuan. The loan period is generally not more than 3 years. According to the Guiding Opinions of China Development Bank on the Management of Loan Interest Rate for Social Bottleneck Projects, there are three modes of loan interest rate. Related literature can be downloaded from this address:/qk/91281a/200607/22125237.html.

2. What are the procedures for rural youth entrepreneurship loans? (society)

Taking Quanzhou as an example, the application materials submitted are:

1, personal identity card and other relevant identification materials;

2, personal business project approval materials;

3. Proof of loan use;

4. Other relevant certification materials stipulated by Quanzhou Bank.

Rural youth entrepreneurship loan procedures:

1, rural youth who meet the loan conditions voluntarily declare to the youth league organization. League organizations around the country, especially at the township and village levels, should strictly review the application projects and prospective borrowers, and actively recommend them if they meet the conditions.

2. The agricultural banking financial institutions cooperating with the League organizations shall carefully review the applicant's credit standing, the feasibility of the business plan, the development prospect and the expected repayment ability after receiving the projects and potential borrowers recommended by the League organizations. , to determine the risk and feasibility of loans, to carry out credit rating work, preferential loans.

Extended data:

In line with the principle of "convenient for customers, flexible and diverse, covering risks", we should actively explore and innovate loan methods suitable for agriculture and rural areas and with strong operability according to local conditions.

Boldly innovate rural youth entrepreneurship guarantee methods. In view of the reality of rural youth entrepreneurship, various forms of guarantee can be adopted, such as mortgage, pledge, natural person guarantee and legal person guarantee. Encourage agricultural financial institutions to further expand the scope of property that can be used as a loan guarantee for rural youth according to the characteristics of agricultural development and rural economy and relevant laws.

Explore the development of mortgage loans such as agricultural production equipment, forest rights, and the right to use water beaches, and standardize the development of rights such as accounts receivable, equity, warehouse receipts, deposit certificates, and agricultural futures. Encourage all kinds of credit guarantee institutions to provide guarantees for rural youth entrepreneurship through re-guarantee, joint guarantee and combination of insurance and insurance.

Actively promote and develop credit models such as "company farmers", "company intermediary organization farmers", "company professional market farmers" and "farmers' professional cooperative members" to improve the success rate of rural youth in starting their first business, make full use of the advantages of agricultural industrialization and reduce the loan risk.

Encourage agricultural banking financial institutions, rural credit guarantee institutions and relevant intermediaries to strengthen cooperation with insurance companies, and explore and develop new products of "credit insurance" financial services based on orders and policies. Where conditions permit, guide and encourage rural youth to develop "credit insurance" entrepreneurial projects.

Vigorously develop mutual insurance and joint guarantee loans for rural youth entrepreneurship. Encourage agricultural banking financial institutions to strengthen cooperation with credit associations or credit cooperatives and other credit subjects, and actively explore and develop joint credit loans to meet the financial needs of credit subjects by using joint guarantees, guarantee funds, risk deposits and other joint credit enhancement methods.

Guide and encourage rural youth who are interested in starting a business to actively join credit associations such as "joint household insurance group", "credit mutual aid organization", "credit union", "professional organization guarantee" and "guarantee association" Improve the internal incentive and restraint mechanism of credit and mobilize the enthusiasm of internal members for self-management.