Want to take advantage of the government?It’s not so easy to make loans for college students to start their own businesses

2022-05-12 0 By

The biggest effect of this policy is to provide a way for college students who have no way out to start a business.Solution bureau original recently, a policy of Zhejiang, caused everyone’s attention.In order to encourage college students to start their own businesses, Zhejiang regulations: college students who want to start their own businesses can borrow 100,000 to 500,000 yuan. If they fail to start their own businesses, the government will compensate for the loan of less than 100,000 yuan, and 80% of the loan of more than 100,000 yuan will be compensated by the government.News, triggered a wide range of hot discussions, even more, see the door and business opportunities.Since the government is willing to compensate, can we find some college students who failed in entrepreneurship, or even package some “cases” of failure, to get 100,000 yuan of compensation?There are also people who have raised doubts that the government’s money does not come from strong winds, but from taxpayers.Is it unfair to other groups to use financial money to compensate college students for their entrepreneurial failure?Yesterday, Zhejiang specially issued the “Interpretation of our province entrepreneurship guarantee Loan Policy”, to understand the policy, is also a response to social concerns.The first question: will people with ulterior motives take advantage of the loopholes?I’ve looked at the policy readings, and it basically doesn’t.First, there is a threshold.To obtain compensation, college students have to apply for start-up guarantee loans when they start a business.The application process, which goes through both social security departments and banks, basically screens out the vast majority of fraudsters.Second, there are conditions.In case of failure in entrepreneurship, college students can get compensation.However, there is still a condition, that is, after the government compensates, students will seek compensation.In other words, the creditors went from banks to governments, and they had to be paid.Third, there is a price.Suppose the college student is really unable to pay, the debt can be written off, the government does not pursue the payment.Here is the real sense of compensation.However, college students’ compensation records will show up in credit records, which is the price paid.So it’s not that easy to take advantage of the government.Second question: is it a waste of money and fair to other groups?Through the above analysis, we can find that very few of them are qualified and willing to accept government compensation.According to 100,000 yuan per person, 10,000 people are only 1 billion yuan.This is a small amount for the wealthy province of Zhejiang.In my opinion, this policy of Zhejiang Province is not “pushing” college students to start businesses, but “supporting” college students to start businesses.Simply put, it is the bottom of the pocket.Limited by the threshold, conditions and costs of this policy, it is impossible for college students to start a business blindly, but they will still consider carefully and be responsible for themselves.Even if it is entrepreneurial failure, debt, can pay their own, will certainly pay their own.The biggest effect of this policy is to provide a way for college students who have no way out to start a business.Although, this way of life, to pay some credit costs, but better than no way out.From this point of view, the money should not be wasted.So is it unfair to other groups to compensate for college students?My view is, no.Starting a business is risky. You may fail. You may succeed.In other words, failure and success coexist in the whole entrepreneurial community of college students.If Zhejiang spends 1 million yuan to compensate 10 college students who failed in starting a business, it seems unfair to other groups.However, it should also be noted that 10 college students who failed in entrepreneurship may have brought positive value to the society even though they failed.What’s more, there may be several winners behind the 10 college graduates who failed in entrepreneurship.The economic benefits and social value brought by these winners may well exceed 1 million yuan.In terms of overall benefits, this is beneficial to society as a whole.The starting point of this policy is not only to provide a bottom for college students to start their own businesses, but also to compete for more talents to stay in Zhejiang.After all, for urban development, only those who have vitality have prospects.The more such policies, the better.As long as it’s not intended to boost house prices, fine.