Zhejiang college students entrepreneurial failure 100 thousand loans need not return?Think too much


On February 17, the National Development and Reform Commission (NDRC) held a press conference to introduce the promotion of supporting the construction of high-quality development and common prosperity demonstration zone in Zhejiang Province.”We welcome college graduates from all over the country to work in Zhejiang.”At the conference, Chen Zhong, deputy director of zhejiang Human Resources and Social security Department, said that this year, there are more than 10 million college graduates in China, which is a good opportunity for Zhejiang.Zhejiang province should seize this opportunity and vigorously introduce college graduates.At the conference, Chen introduced a series of employment and entrepreneurship policies to attract college graduates in Zhejiang.For example, college graduates who work in Zhejiang can enjoy a living subsidy ranging from 20,000 to 400,000 yuan or a house rental subsidy;College students who want to start a business can borrow 100,000 to 500,000 yuan. If the business fails, the government will compensate for the loan of less than 100,000 yuan.College students engaged in homemaking, pension and modern agricultural entrepreneurship, the government gives 100,000 yuan entrepreneurship subsidies.It should be noted that the so-called “government compensation” is by no means equivalent to “business failure without loans”.According to relevant documents, the essence of government compensation of start-up guarantee loan is that when the borrower fails to repay the loan on time and in full, the start-up guarantee fund temporarily repays the loan on behalf of the borrower, but the borrower itself still has to fulfill the loan repayment obligation.In addition, in addition to Zhejiang, Yunnan, Sichuan and other places have introduced policies to attract talents since the beginning of this year, and local government work reports in many places have also made arrangements for the introduction of talents, indicating that the “competition for talents” in 2022 May have just begun.According to Chen zhong, at present, Zhejiang province is planning to build a co-rich high-quality employment and entrepreneurship system, and strive to build the “entrepreneurial employment in Zhejiang” brand, help key groups to improve the quality of employment, accelerate the promotion of common prosperity.At this press conference, Chen Zhong introduced a series of policies adopted by Zhejiang Province, focusing on the employment and entrepreneurship of key groups such as college graduates, migrant workers outside the province, low-income groups and workers in new employment forms:In support of college graduates in Zhejiang, residence, in addition to Hangzhou urban area, fully open the settlement restrictions of college graduates, Hangzhou’s settlement conditions for undergraduate degree or above.College graduates who work in Zhejiang can enjoy living subsidies ranging from 20,000 yuan to 400,000 yuan or housing subsidies.In support of college students’ entrepreneurship, college students can borrow 100,000 to 500,000 yuan. If the entrepreneurship fails, the government will compensate for the loan of less than 100,000 yuan, and 80% of the loan over 100,000 yuan will be compensated by the government.College students engaged in housekeeping, pension and modern agricultural entrepreneurship, the government will give 100,000 yuan of entrepreneurship subsidies, and college students to work in these fields, the government will give each year 10,000 yuan of employment subsidies, continuous subsidies for 3 years.In support of college students who come to Zhejiang for internship, zhejiang will provide living subsidies, and graduates from poor families will receive 3,000 yuan of job-hunting and entrepreneurship subsidies per person.Zhejiang is a major province of labor, and there are 23 million migrant workers in Zhejiang.In terms of supporting migrant workers from other provinces, in Zhejiang, migrant workers from other provinces enjoy the same employment and entrepreneurship services and policies as workers with local household registration.Zhejiang has also developed jobs that do not care about skills, educational background or age, specifically for those who have been lifted out of poverty, with a monthly salary of more than 4,500 yuan.Last year, 2.25 million people in Zhejiang were lifted out of poverty.For the labor security of workers in new forms of employment, Zhejiang province issued special documents last year, mainly liberalizing the household registration restrictions of flexible employment personnel to participate in the basic endowment insurance and basic medical insurance of enterprise employees in the place of employment, and supporting the single insurance types of workers in new forms of employment to participate in industrial injury insurance.Zhejiang also asked platform companies to properly control online working hours and arrange breaks for those who work more than four hours continuously.Government compensation is not equal to “entrepreneurial failure does not repay the loan” in Zhejiang province, the most eye-catching policy is undoubtedly “if entrepreneurial failure, the loan of less than 100,000 yuan by the government compensation, loan of more than 100,000 yuan, 80% by the government compensation.However, it should be noted that the so-called “government compensation” is by no means equivalent to “business failure without loans”.The government compensation policy of venture guarantee loans in Zhejiang province can be traced back to the Implementation Measures of Venture Guarantee Loans in Zhejiang Province (Trial) (hereinafter referred to as the Measures) issued by Hangzhou Central Branch of the People’s Bank of China, Zhejiang Department of Human Resources and Social Security, and Zhejiang Department of Finance in 2016.The Measures clearly points out that start-up guarantee loans fall into two categories: the first category is loans guaranteed by start-up guarantee funds (hereinafter referred to as “first-category loans”);The second category refers to loans secured by mortgage, pledge, guarantee, credit and other means (hereinafter referred to as “loans of the second category”).Category I loans can only be issued by the bank where the venture guarantee fund is deposited.The bank depositing the venture guarantee fund shall extend loans in a certain proportion according to the scale of the local venture guarantee fund.At the same time, the people’s government of zhejiang province in 2017 published “on the current and future a period of employment entrepreneurship work implementation opinion” in put forward: “the conditional area can through fiscal investment, industrial funds, establish college students’ entrepreneurial guide fund, jointly establish venture investment funds, social capital support for college students venture.”The measures specify that the start-up guarantee fund provides guarantee for a type of loan applied for by “key groups” for the first time.If the borrower fails to repay the loan in full amount on time after the loan is due, the handling bank shall actively collect the loan;For the category I loans that are more than 3 months overdue and the loan amount is less than 100,000 yuan (including 100,000 yuan), the venture guarantee fund will compensate them in full amount within 1 month (including the interest of the loan term, but excluding overdue interest and penalty interest).The venture guarantee fund will compensate 80 percent of the first-class loans with a loan limit of more than 100,000 yuan.Therefore, according to the measures, the essence of government compensation for start-up guarantee loans is that when the borrower fails to repay the loan on time and in full, the start-up guarantee fund will temporarily repay the loan on behalf of the borrower, but the borrower itself still has to fulfill the loan repayment obligation.The start of a new “people grab” war?During the conference, a series of policies for college graduates introduced by Zhejiang province were searched on Weibo and became the focus of discussion.E-house research institute, a think-tank center research director YanYueJin is pointed out that the current policy of zhejiang on the whole present a guidance to opening up the love, has the very good positive energy, especially in terms of household registration policy and entrepreneurship, lowering the threshold, continuously provide incentives and support policies, import for population, enhance entrepreneurial atmosphere, active zhejiang economy has a positive effect.In fact, in addition to Zhejiang, yunnan, Sichuan and other places have introduced policies to attract talents since the beginning of this year, and local government work reports in many places have also made arrangements for the introduction of talents, indicating that the “competition for talents” in 2022 May have just begun.Recently, the CPC Yunnan Provincial Committee and the provincial government issued three policy documents, including the Implementation Opinions on Strengthening and Improving Yunnan Talent Work in the New Era, the implementation Measures of Yunnan’s “Support Plan for Developing Yunnan Talents” and ten Measures on the Development of Modern Industry of Talent Service.Among them, the “Xing-Yunnan Talents Support Plan” proposed to train and introduce a number of talents urgently needed in new energy, new materials, advanced manufacturing, plateau characteristic modern agriculture, biomedicine, digital economy and other fields within about five years.The maximum working and living allowance for qualified talents will be RMB 1 million.Chengdu high-tech zone in sichuan province are also recently released the chengdu high-tech zone in urgent need of science and technology innovation talents and innovative talents in urgent need of industry special support policy, clear will set up 2 billion yuan of special funds, introduced from support in urgent need of scientific and technological innovation talents, support the introduction of much-needed industry innovation talents, set up a “one-to-one” service mechanism three aspects, such as,We will accelerate the gathering of leading talents.According to the policy, chengdu High-tech Zone will give recognized talents a talent subsidy of up to 5 million yuan per year for 3 years, a relocation subsidy of up to 5 million yuan or a gift of an expert apartment according to relevant requirements.In addition to the employment and entrepreneurship support policies, Zhejiang Provincial Development and Reform Commission also introduced zhejiang to build the income distribution system reform pilot area in this press conference.According to Xie Xiaobo, deputy director of The Development and Reform Commission of Zhejiang Province, since July 2021, zhejiang began to study and draft an action plan of “expanding the Middle” and “raising the Low” in Zhejiang province, with the goal of taking the lead in basically forming an olive social structure dominated by middle-income groups.Xie xiaobo said that in order to promote the realization of the target, Zhejiang province has made clear quantitative indicators, proposed that by 2025, the proportion of zhejiang households with annual disposable income of 100,000-500,000 yuan should reach 80%, and the proportion of zhejiang households with annual disposable income of 200,000-600,000 yuan should reach 45%.

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