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Zhejiang Province provides college students with up to 500,000 yuan of entrepreneurial loans. What impact will this move bring?
College students can borrow up to 500,000 yuan to start a business in Zhejiang.

The National Development and Reform Commission held a press conference on February 17 to introduce the promotion of supporting the high-quality development and construction of Tongfu Demonstration Zone in Zhejiang Province. Chen Zhong, deputy director of the Zhejiang Provincial Department of Human Resources and Social Security, said at the meeting that Zhejiang will strive to introduce more than 0/10,000 college graduates this year, and college graduates can enjoy a living allowance of 200,000-400,000 yuan or subsidies for buying and renting houses in Zhejiang.

According to reports, in addition to Hangzhou's settlement conditions for undergraduate and above education, Zhejiang has liberalized the settlement restrictions for graduates with college education or above. College students can get loans of 6,543,800+to 500,000 yuan when they start businesses in Zhejiang. If they fail to start a business, the government will compensate the loans below 654.38+10,000 yuan, and the loans above 654.38+10,000 yuan will be compensated by 80%. College students are engaged in home economics, old-age care and modern agricultural entrepreneurship, and the government gives 65438+ 10,000 yuan of entrepreneurship subsidies; Working in these fields, each person is given an annual employment subsidy of 6.5438+0 million yuan for three consecutive years. Graduates from poor families will be given a job-seeking and entrepreneurship subsidy of 3,000 yuan per person.

Zhejiang is a big province with 23 million migrant workers. Chen Zhong said that migrant workers outside the province enjoy the same employment and entrepreneurship services and policies as local registered workers. Zhejiang has also developed caring jobs that do not require skills, education and age, and resettled people out of poverty to ensure that their monthly salary is more than 4,500 yuan.

In view of the rapid development of new forms of employment, last year, Zhejiang introduced measures to safeguard the labor security rights and interests of workers in new forms of employment, liberalized the household registration restrictions for flexible employees to participate in basic old-age insurance and basic medical insurance for enterprise employees, and supported workers in new forms of employment to participate in work-related injury insurance; Platform enterprises are required to give full play to the advantages of data technology, reasonably control online working hours, and arrange rest time for those who have worked continuously for more than 4 hours.

Benefits:

On the surface, this policy is that the government is taking risks for college students to start businesses, but let's look at the problem from another angle. College students choose to lie flat instead of starting a business, which is the biggest risk for the government.

Zhejiang's private economy is developed, and many excellent enterprises are small enterprises that year. Today, it is natural to continue to encourage and activate private entrepreneurs. Moreover, this has played a wave of advertisements to attract talents in Zhejiang, laying the groundwork for young people with entrepreneurial ideas to start businesses in Zhejiang.

Nowadays, the employment of college students is a difficult problem, which leads to an increase in the number of people who apply for the iron rice bowl of civil servants and take the postgraduate entrance examination to ease the employment pressure, but these cannot fundamentally solve the problem.

Most college students finally want to go to society, which is nothing more than employment and entrepreneurship. Quality jobs are limited, so entrepreneurship is also a direction.

Disadvantages:

With the policy, it is inevitable that some lawless elements will try their best to exploit the loopholes of the policy. In 2020, a criminal case occurred in Hangzhou. Liu, the person in charge of an Internet financial management company, bought the personal information of fresh graduates through an intermediary, paid social security for them, made false work certificates in Hangzhou, and then took their living allowances, and collected high service fees from them to make profits. Finally, the court tried them for fraud.

It can be predicted that if criminals intentionally take advantage of the loopholes in the policy, it is very likely that they will use the identity of college students as entrepreneurs to hold shares on their behalf, defraud the state policy subsidies and even defraud loans through various forged means, and finally sacrifice the credit of college students, let the government compensate them and defraud the state property. For these negative problems, I suggest that the relevant government departments comprehensively consider the implementation details of this policy and conduct a dynamic review. Many problems will be revealed after continuous observation.