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浙江湖州:银团合作助力青年创业

2017-08-16 06:46:15   中国青年网

“如果没有团组织的帮助,我的创业历程不可能这么顺利。”谈及创业历程,祁敏杰坦言最感激当地团委。

35岁的祁敏杰现在是浙江省湖州市长兴县水口乡顾渚村一家农家乐的老板。之前经营通信器材,由于当地团组织的帮助,得到了银行贷款,有了经营资本。2015年,他看到当地红红火火的农家乐,也打算拆除老宅,改建特色农家乐。

知道祁敏杰的想法后,当地团委再次主动上门,帮着分析市场,并联系当地农商行,让他得到了100万元的青年创业授信贷款。

“青年创业,资金是个大问题。”团湖州市委书记王剑峰说,解决了资金问题,困难也就解决了大半。

边月明是安吉县美人指葡萄种植专业合作社理事长。2009年大学毕业后,边月明选择了返乡创业种植葡萄。“创业还没开始,资金问题首先摆在了眼前。”边月明说,幸好当时得到团组织的帮助,拿到了人生第一笔5万元的贷款。

从这5万元开始,边月明的贷款限额逐渐上升到10万元、30万元,葡萄种植园的规模也得以扩展。在葡萄园,边月明还建起了安吉第一家“果园式民宿”。

“规模扩大,需要的资金更多了。”但边月明并不担心,“我有‘微业贷’,100万元的授信,不用抵押担保,随贷随用。”

“微业贷”是团湖州市委联合浙江省农信联社湖州办事处在安吉试点的“青年创业·丰收系列”贷款产品。

“‘微信贷’‘微创贷’和‘微业贷’均为纯信用贷款,利率优惠。”团湖州市委相关负责人介绍,两万元起步,最高可提供100万元。其中,“微信贷”主要针对毕业初期返乡的大学生群体,“微创贷”面向全市创业青年,“微业贷”则提供给已经有所成就的创业青年。

为方便“青年创业贷”申请,团市委还与银行商定了简化办理流程,开通绿色通道。“有需要的创业青年,只需要到所在地团委组织申请,提供详细资料,就能及时获得贷款授信”。

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