共青团创建“青年贷”的可行性分析

On the Feasibility of Establishing CYL's "Youth Loans"

近年来,网贷飞速发展,青年在网贷中占主体。鉴于当前青年创业融资难的现状,共青团应创建"青年贷",服务青年,凝聚青年。共青团创建"青年贷"的各种条件现已具备,作为共青团服务青年的公益性金融信息平台,"青年贷"可参考中国青少年发展基金会的运作模式,充分利用共青团的组织优势与资源优势,通过当地基层团委和"青年贷"平台对借款的两次审核,确保借款和平台的安全,充分发挥共青团服务青年、联系青年的作用,持续为创业青年提供创业贷款,助力青年实现创业梦想。

In recent years, the Online Credit Network has enjoyed rapid development with young people as the majority. In view of the current status of financing difficulties in youth entrepreneurship, the Communist Youth League should create ＂Youth Loans＂ to serve and gather young people. Now all kinds of conditions for its establishment have been ready. As a financial information platform of public welfare for CYL to help young people, ＂Youth Loan＂ can refer to the operation mode of China Youth Development Foundation： make full use of CYL＇s advantages in its organizations and resources to ensure the security of the loan and the platform through both examination and approval from the local grassroots CYL Committees and ＂Youth Loans＂ Platform for borrowing. Thus, CYL can give full play to the role of serving and contacting young people while continuing to provide business loans for entrepreneurial youth so as to help them realize their dreams.