基于银行信贷视角的大学生创业行业分析——以信阳地区为例

Analysis of Industries for College Startups from the Perspective of Bank Credit——Take Xinyang Area as an Example

对信阳地区信贷数据进行剖析、对信贷条线人员进行访谈,得到各行业的小微企业经营风险状况,借以指导大学生在创业时科学地、理性地选择合适的行业,从而提高创业成功率。针对大学生特点和现状提出合理化创业建议:选择与所学专业相近的行业,顺应国家的政策导向,选择轻资产行业、营销渠道丰富的行业。

By analyzing the credit data of Xinyang area and interviewing the staff of the credit department,the operating risks of small and micro enterprises in various industries were studied,in order to guide college students to choose an appropriate industry scientifically and rationally,so as to improve the success rate of college startups.According to the characteristics and current situation of college students,reasonable suggestions were put forward when starting a business,college students should choose industries similar to their majors,conform to national policy guidance,and choose industries with light assets and rich marketing channels.