Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has been engaged in production and operation, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Venture loan refers to a small credit loan which is different from the current consumer loan and is used to meet the needs of individual entrepreneurs in urban and rural areas. In terms of loan amount, it is a small loan; From the nature of the loan, it is a credit loan and does not need mortgage guarantee; From the perspective of loan targets, it is individual urban and rural residents, not existing enterprises; In terms of loan purposes, it belongs to entrepreneurial loans, which is different from the current consumer loans; As far as the loan name is concerned, it belongs to the nickname of microfinance, which is a China title that conforms to the national conditions; In terms of poverty alleviation effect, it has the highest poverty alleviation efficiency, the largest coverage, the best economic benefits, the highest loan recovery rate and the fastest capital turnover rate, which can make the country's poverty alleviation funds play the greatest role.
Entrepreneurial risk comes from the uncertainty of related factors in entrepreneurial activities. In the process of starting a business, entrepreneurs should invest a lot of manpower, material resources and financial resources, introduce and adopt various new production factors and market resources, and establish or reform the existing organizational structure, management system, business processes and working methods. In this process, it is inevitable to encounter all kinds of unexpected situations and difficulties, which may make the result deviate from the expected goal of starting a business. The uncertainty of entrepreneurial environment, the complexity of entrepreneurial opportunities and enterprises, and the limited ability and strength of entrepreneurs, entrepreneurial teams and venture capitalists are the fundamental sources of entrepreneurial risks. Research shows that the process of starting a business is often the process of transforming an idea or technology into a specific product or service. In this process, there are several basic and interrelated gaps, which are the main sources of the above uncertainty, complexity and finiteness, that is to say, under the given macro conditions, the risk of starting a business often comes directly from these gaps.