Why Do College Graduates "Ignore" Venture Loans?

There are more than 4000 college graduates registered for employment in Nanchong, but only dozens of people apply for business loans. Most of them still prefer "safe" and "double" days, but Zhang Liwei is not interested in leisure.

After graduating from University for two years, he is still searching for his "career destination".

In August 12th, Zhang Liwei, a finance major, poured out bitter water to reporters.

"Do you want to start your own business?

The state has support for business loans. "

In the face of reporters' questions, he unhesitation: "self employment" pool is too small and unstable, I need a big career platform, after all, I have read university for 4 years. "

Nanchong small loan has been implemented for nearly 4 years, lending only about 5000000 yuan, most of which are laid-off workers.

The head of Nanchong Employment Bureau is "not very understanding" of the statistics. On the one hand, the number of university graduates registered for unemployment in Nanchong has reached more than 4000. On the other hand, only a few dozen graduates have successfully applied for business loans. "Where are the problems?"

In the interview, the reporter learned that many unemployed college graduates, like Zhang Liwei, do not attach importance to self employment. The traditional mode of thinking of employment is still deep-rooted.

"When a civil servant eats a financial meal or goes to finance, securities, insurance and other popular industries, it is still the first choice for many university graduates to choose jobs."

The comrades of the employment bureau say that in the traditional employment field, the students who step into the society should really change their concept of job hunting.

According to the introduction of "failure", it is reported that graduates who fail to obtain employment and require employment for more than half a year can apply for a small business guarantee loan within 20 thousand yuan as long as they register for the urban unemployment certificate.

Liu man, who lives in Nanchong College Street, graduated from computer science in China West Normal University last year, and has not been able to find an ideal job for over a year.

Learned that unemployed college students can apply for and enjoy the government's series of preferential policies for re employment. Liu Man intends to set up a printing shop by herself. She has just taken the unemployment registration, and she immediately takes relevant documents to apply for the small secured loan to the Municipal Employment Bureau.

Owing to the lack of detailed venture plan and risk assessment, Liu man's loan application has not been approved.

The application of a business loan must meet certain conditions and threshold.

The employment bureau Comrade commented on Liu Man's "failure": from the project book, she could see that she did not know enough about the printing industry, and how inadequate such as input, profitability management, capital recovery period, customer group analysis and so on.

Zhang Xin, a university graduate who plans to start her own business, told reporters that she wanted to open a flower shop and scraped together 30 thousand yuan to start the fund, hoping to apply for the government's re employment small loan.

But the bank is not very optimistic about this project, requiring the implementation of third people who have the ability to repay as a credit guarantee, which makes it difficult for the Zhang Xin to find the guarantor into a dilemma.

"The four elements of open door and open space open wider space." since the introduction of the policy of College Students' business loan, there are many consultants and few actors.

The comrades of the Municipal Employment Bureau believe that many college students have more theoretical knowledge and less practical experience and are unable to cope with the changing market economy. Lack of confidence is also an important factor to curb their enthusiasm for self employment.

For this reason, relevant employment experts say that self employment should become an important channel for university graduates to choose jobs. If we can properly handle the following relations, we can open up vast space and improve the chances of success in business: first, we must have sufficient psychological preparation and learn from others' successful experience; two, do not superstition the lack of market based "self creative projects"; instead, we should carry out adequate market research and make sure that we can do it; three, we should abandon the idea of "quick eating and quick fat" and establish a steady entrepreneurial mentality; four, we should try our best to start a business together, avoid "riding alone", and enhance the ability to fight against risks while dispersing risks.

Most people still like "peace and stability" to the weekend, but Zhang Liwei has no intention of leisure.

After graduating from University for two years, he is still searching for his "career destination".

In August 12th, Zhang Liwei, a finance major, poured out bitter water to reporters.

"Do you want to start your own business?

The state has support for business loans. "

In the face of reporters' questions, he unhesitation: "self employment" pool is too small and unstable, I need a big career platform, after all, I have read university for 4 years. "

Nanchong small loan has been implemented for nearly 4 years, lending only about 5000000 yuan, most of which are laid-off workers.

The head of Nanchong Employment Bureau is "not very understanding" of the statistics. On the one hand, the number of university graduates registered for unemployment in Nanchong has reached more than 4000. On the other hand, only a few dozen graduates have successfully applied for business loans. "Where are the problems?"

In the interview, the reporter learned that many unemployed college graduates, like Zhang Liwei, do not attach importance to self employment. The traditional mode of thinking of employment is still deep-rooted.

"When the civil servants, eat financial food, or to finance, securities, insurance and other hot industries to make a job, it is still the choice of a large number of college graduates."

The comrades of the employment bureau say that in the traditional employment field, the students who step into the society should really change their concept of job hunting.

According to the introduction of "failure", it is reported that graduates who fail to obtain employment and require employment for more than half a year can apply for a small business guarantee loan within 20 thousand yuan as long as they register for the urban unemployment certificate.

Liu man, who lives in Nanchong College Street, graduated from computer science in China West Normal University last year, and has not been able to find an ideal job for over a year.

Learned that unemployed college students can apply for and enjoy the government's series of preferential policies for re employment. Liu Man intends to set up a printing shop by herself. She has just taken the unemployment registration, and she immediately takes relevant documents to apply for the small secured loan to the Municipal Employment Bureau.

Owing to the lack of detailed venture plan and risk assessment, Liu man's loan application has not been approved.

The application of a business loan must meet certain conditions and threshold.

The employment bureau Comrade commented on Liu Man's "failure": from the project book, she could see that she did not know enough about the printing industry, and how inadequate such as input, profitability management, capital recovery period, customer group analysis and so on.

Zhang Xin, a university graduate who plans to start her own business, told reporters that she wanted to open a flower shop and scraped together 30 thousand yuan to start the fund, hoping to apply for the government's re employment small loan.

But the bank is not very optimistic about this project, requiring the implementation of third people who have the ability to repay as a credit guarantee, which makes it difficult for the Zhang Xin to find the guarantor into a dilemma.

"The four elements of open door and open space open wider space." since the introduction of the policy of College Students' business loan, there are many consultants and few actors.

The comrades of the Municipal Employment Bureau believe that many college students have more theoretical knowledge and less practical experience and are unable to cope with the changing market economy. Lack of confidence is also an important factor to curb their enthusiasm for self employment.

For this reason, relevant employment experts say that self employment should become an important channel for university graduates to choose jobs. If we can properly handle the following relations, we can open up vast space and improve the chances of success in business: first, we must have sufficient psychological preparation and learn from others' successful experience; two, do not superstition the lack of market based "self creative projects"; instead, we should carry out adequate market research and make sure that we can do it; three, we should abandon the idea of "quick eating and quick fat" and establish a steady entrepreneurial mentality; four, we should try our best to start a business together, avoid "riding alone", and enhance the ability to fight against risks while dispersing risks.