An Empirical Study On The Problem Of Loans Of College Students’ Venture

One of the direct problems incidental to the recruitment of college students are university graduates can not be employed adequately.The wage gap between the salary expectation of students’and the actually company offered are huge, college graduates grew faster than positions increased speed, the report of the Seventeenth National Congress put forward "to promote employment business" policy, encourage students to relieve the pressure of employment through entrepreneurship.But financing difficulty is the primary problem encountered on the road of entrepreneurship.Domestic literature about entrepreneurial basically about entrepreneurship education, entrepreneurial support system, quality and ability of entrepreneurship, entrepreneurial policy, entrepreneurial environment, entrepreneurial intention of university students, entrepreneurship training, influence factors, entrepreneurial risk and the female university students’innovative undertaking, state and local governments have introduced a lot of enterprise preferential policy, but in practice it there are a lot of problems, affecting the efficiency of college students venture loans.This paper attempts to base on the literature of domestic and international students of venture loans, in Chengdu City entrepreneurship college-students as the research object, access to research information and data by using the method of questionnaire and interview method, and the obtained data for quantitative analysis, with a view to the functions of the government, financial institutions, colleges and universities perspective, puts forward some countermeasures and suggestions to solve undergraduate venture loan problems.The paper is divided into five chapters, brief introduction of each chapter is as follows:Chapter1.This part of the task is to clarify the research background, research purpose, research significance and research methods. Chapter2.The related theories and literature review.The related theory mainly introduces entrepreneurship theory and Timmons entrepreneurial model, provide a theoretical basis for the empirical analysis in this paper.The literature review mainly introduces foreign about support students practice and experience as well as domestic about college students venture financing channels, the related literature about difficulties of college students venture financing and the current situation students venture loan.The analysis of foreign students entrepreneurial experience to find out its implications for chinaChapter3.Current situation of college students enterprising loan and analysis.First of all, starting from the university students’ innovative undertaking financing channels, analysis of College Students’ source of venture funds may; secondly, the present situation of college students venture financing difficulties; once again, a detailed description of the current college students entrepreneurship policy; finally, find out the reasons of college students venture loans to review and implementation effect.Chapter4.Research and empirical analysis. Firstly, to test the questionnaire reliability and validity, descriptive statistics and analysis of relevant data, correlation analysis.Through empirical analysis of relevant factors affecting entrepreneurship loans, clear the government, society, schools and individuals in the entrepreneurship loans respectively, and put forward reasonable proposals and lay the foundation for.Chapter5.Conclusions and suggestions.Conclusion in summary, empirical research results as the foundation, puts forward the related countermeasure suggestion from four aspects,1set up a good business environment, the establishment of specialized services to college students entrepreneurial microfinance services, the establishment of risk compensation mechanisms;2lifting the residency restrictions, cancel "employment unemployment registration certificate" requirements, Relax already operating and there is a certain income requirements, reasonably determine the duration of the loan, improve students entrepreneurial loan amount, scientifically determine the undergraduate poineering loan interest rates, simplifying procedures, pre-loan financing planning, guidance, tracking of credit repayment and business in good condition to renew loans, vigorously develop the organizational advantage of government departments youth entrepreneurship financing platform;3to refine the loan application procedures, reduce the mortgage, guarantee requirements, government and bank credit financing obstacle clearance, bank governance is creation of a risk fund;4to handle the personal credit, the development of school and bank cooperation, to establish joint venture projects-Tutorial system.Chapter6.Summary.Summary of the full text, points out the inadequate, recommendations for future research.