Mastering The Art Of Loan Behavior

For example, there is such a gruel stand in the world, which stipulates that anyone can come over to eat porridge, but the height must reach Yao Ming's level.

Well, we can know by common sense. It is estimated that a bowl of gruel is not given up.

The only person who can get alms is Yao Ming, but he will not come to drink.

This rule is, of course, a joke, or just an act of art.

But behavior art has become a common practice here.

It is embarrassing to report that Guangzhou's college students start their own businesses. Since the implementation of the small loan preferential policy for college students since their implementation in 2005, no loan has been made yet.

The reason for this is that anyone can think of it: it is nothing more than the stipulation of small loans for college students.

But if a university started a technology company, it would not be able to apply for small loans.

There is also a small loan requirement. First, an enterprise can apply for a loan. However, an enterprise must first have a license to rent a place. According to the two month deposit requirement of one month's rent, the license cost will be tens of thousands, and the start-up funds of these tens of thousands of dollars have baffled many entrepreneurial students.

Most importantly, banks feel that such businesses are too small and too risky for anyone to do.

If the situation in Guangzhou is enlarged to the whole country, it will not be much worse.

The employment of college students has been a headache for two years.

Since the expansion of university enrollment, many college students have become leftovers every year.

For any place, college students are equal to those who are highly educated. Such a person can not have a job that is always unpleasant.

Therefore, there are different degrees of preferential policies for college students.

And let students start business, one is the possibility of success will be slightly larger, and the other can also digest and promote part of the labor market.

However, things are not always so simple.

The most important barrier for college students to start their business is not professional knowledge, but because they do not have the right market experience. This is not necessarily better than those who are not so highly educated, and even in many cases, they can not adapt themselves to the market and hard work.

From this point of view, it can not be blamed that banks set up many barriers to stop lending money.

College students have no experience, and banks should also pursue their own benefits. So who should blame this policy? In fact, when the loan policy was formulated, the secretary should make corresponding risk assessment instead of turning the risk to the bank's head.

Of course, the government has prepared a certain margin, but this amount and policy enforcement efforts are still not enough.

In a sense, the implementation of preferential policies for loans in this respect is totally out of line with market behavior, and the government responsibility system should be pursued.

If the government can not enforce or earnestly prepare for the college students to pay for their business, the bank will not rush head in.

In the end, this is an art of behavior allegedly aimed at solving the problem of College Students' employment.

In fact, it is not a loss in the long run.

College students may be able to succeed in business, but that 99% probably can also learn a lot from middle school, and lay a good foundation for future career.

These wealth is the resources of future social wealth, and is an irreplaceable resource.

From this point of view, it is worthwhile for the government to spend some cost.