"Guangdong Enjoy Loan" was first issued by China Bank. On the afternoons of 20 19,10 and 15, Bank of China Guangdong Branch and Macau Branch jointly held the theme activities of "Bank of China Investment and Loan Linkage and Guangdong-Macao Loan Promotion" in Zhuhai to provide services for 135 Macao scientific and technological innovation enterprises.

Guangdong and Macao enjoy loans as Macao companies applying for registration in Hengqin, Zhuhai. Provide comprehensive financial information service scheme with credit line for all products in the whole life cycle of the project, including 9 smart loan products in three categories: current policy, property and total flow. China Bank's two local bilateral agreements on corporate credit rating and noble service projects have produced the cross-border electronic commerce, which has helped the company to become bigger and bigger, and the company has further gained "personal credit enjoyment".

Second, is there a big loan opportunity for Qingchuang?

It is unlikely that Qingchuang will lend out. 79. 1% netizens think that the main difficulties encountered by teenagers in starting a business are "lack of funds and difficulty in financing", 6 1.2% netizens think it is "lack of enterprise management experience" and "difficulty in marketing", and 24.9% netizens think it is "difficulty in teamwork and coordination".

Young entrepreneurs have many difficulties in financing. Before granting a loan, we should not only know the credit status of the lender, but also make a detailed investigation on its personnel, occupation, loan purpose and collateral. Youth loans, we require young entrepreneurs not only to have physical stores, but also to have a certain ability to repay the principal and interest. It is generally difficult for young people to meet these two conditions, so it is often related to the imperfection of China's credit system.

1. Venture capital companies pay great attention to the feasibility of project personnel and the maturity of project operation team before investing. Therefore, for young people who don't know much about the law of market operation, it is so far to seek financing from venture capital companies, said an analyst of venture capital companies with the probability of successful financing through venture capital companies. Then, the main difficulty that young people encounter when applying for a business loan is that the survey shows that they can't find a loan guarantee. 6 1.2% people think that the loan procedure is complicated and the application time is long. 53.0% of the respondents think the policy is not detailed and vague, and 47.6% think it is too small.

2 "Young entrepreneurs to apply for loans, must go through the examination and approval of the street, by the labor service and guarantee company audit guarantee. Finally, the bank approval will fail. " But the biggest premise is that young people, that is, unemployed young people can go through this procedure. A person in charge of the Beijing Municipal Bureau of Labor and Social Security told the reporter. "It is wise for the state to encourage young people to start businesses and make full use of talents. However, the current loan is a headache. Even people with entrepreneurial ability and ability will feel overwhelmed. Here we go. It is not worth wasting your energy on useless work. " A Zhejiang netizen said.

As it is difficult to get loans, young entrepreneurs have to raise funds by other means. Li of the hospital explained, "We three brothers made a business deal with the tuition fees brought from home and the usual scholarships. Because the school is an economic road, we provide interest-free loans for students' tuition. At the same time, students can also apply for deferred payment of tuition fees. Li got venture capital. Although he is also absorbing students' idle funds and returning the principal and interest after a period of time, he thinks this way is unsafe and easy to break the capital chain. It is also a unique way for the owner of "Stupid Root Taobao" store in Lanzhou University to accumulate venture capital. He said: "I started collecting waste products in my second year of high school, rented a house as a warehouse, and after accumulating a certain amount of funds, I slowly opened a small shop, Stupid Root Taobao. I didn't expect business to be good. "

4. "Youth entrepreneurship does not have enough funds, and China does not have relevant risk protection. Once it fails, it will be heavily in debt. " Some netizens in Wuhan, Hubei Province expressed concern about the impact of young people's entrepreneurial failure. Some netizens suggested that some policies should be introduced to encourage young people to practice bravely and provide debt relief to those young people who failed. Zhang Zong of the Employment Department of Beijing Union University believes that youth entrepreneurship still lacks the support of all sectors of society. At present, the most important way to solve this problem is to involve some countries or international institutions.

I have been running a coffee shop for one year. How much can I apply for through the Youth League Youth Creation Loan?

According to the Youth Innovation Plan of the Youth Federation, the maximum loan amount for each person applying for youth entrepreneurship loan is NT$ 4 million, of which the unsecured (credit) loan amount is limited to NT$ 6,543,800+100,000. The maximum loan amount of the same enterprise shall not exceed NT$ 6.5438+0.2 million (of which the credit loan shall not exceed NT$ 3 million). In case of doubt, the Youth Federation will also provide free consultation on youth entrepreneurship telephone number 0800-06- 1689. You can call a phone number to ask a question, or you can solve your problem quickly ~

4. Is there a big loan opportunity for Qingchuang?

It is unlikely that Qingchuang will lend out. 79. 1% netizens think that the main difficulties encountered by teenagers in starting a business are "lack of funds and difficulty in financing", 6 1.2% netizens think it is "lack of experience in enterprise management", 52.0% netizens think it is "difficulty in marketing" and 24.9% netizens think it is "difficulty in teamwork and coordination". Young entrepreneurs have many difficulties in financing. Before granting a loan, we should not only know the credit status of the lender, but also make a detailed investigation on its personnel, occupation, loan purpose and collateral. Youth loans, we require young entrepreneurs not only to have physical stores, but also to have a certain ability to repay the principal and interest. It is generally difficult for young people to meet these two conditions, so they often "blossom" and "result", which is also related to the imperfect credit system in China. : 1. Venture capital companies pay great attention to the feasibility of project personnel and the maturity of project operation team before investing. Therefore, it is unrealistic for young people who don't know the laws of market operation to seek financing from venture capital companies, and the success rate is also very low. "So far, the probability of successful financing through venture capital companies is very low," said an analyst of venture capital companies who asked not to be named. Then, the main difficulty that young people encounter when applying for business start-up loans is that the survey shows that 63.4% people think that loan guarantee cannot be found, 6 1.2% people think that the loan procedures are complicated and the application time is long, 53.0% respondents think that the policies are not detailed and vague, and 47.6% people think that there are too few. 2. "Young entrepreneurs apply for loans, which must be approved by the street, reviewed and recommended by the Labor and Social Security Bureau, reviewed and guaranteed by the guarantee company, and finally approved by the bank. If it is passed, the loan will be invalid. " But the biggest premise is that the applicant must be a graduate youth, that is, unemployed youth, in order to go through this procedure. A person in charge of the Beijing Municipal Bureau of Labor and Social Security told the reporter. "It is wise for the state to encourage young people to start businesses and make full use of talents. However, the current loan procedures are so complicated. Everyone has a headache. Even people with entrepreneurial ability and ability will feel overwhelmed. Here we go. It is not worth wasting your energy on useless work. " A Zhejiang netizen said. As it is difficult to get loans, young entrepreneurs have to raise funds by other means. "We three brothers started a business, invested with the tuition fees brought by our family, and opened our own shop with the usual scholarships." Li of Hainan Software Vocational and Technical College explained. As the school provides a "green channel" for students with financial difficulties, we provide interest-free loans for students' tuition fees. At the same time, students can also apply for deferred payment of tuition fees. Li got venture capital. Although he is also absorbing students' idle funds and returning the principal and interest after a period of time, he thinks this way is unsafe and easy to break the capital chain. It is also a unique way for the owner of "Stupid Root Taobao" store in Lanzhou University to accumulate venture capital. He said: "I started collecting waste products in my second year of high school, rented a house as a warehouse, and after accumulating a certain amount of funds, I slowly opened a small shop, Stupid Root Taobao. I didn't expect the business situation to be good. " 4. "Youth entrepreneurship does not have enough funds, and China does not have relevant risk protection. Once it fails, it will be heavily in debt. " Some netizens in Wuhan, Hubei Province expressed concern about the impact of young people's entrepreneurial failure. Some netizens suggested that some policies should be introduced to encourage young people to practice bravely and provide debt relief to those young people who failed. Zhang Zong of the Employment Department of Beijing Union University believes that youth entrepreneurship still lacks the support of all sectors of society. At present, the most important way to solve this problem is to involve some countries or international institutions.