刍议高校大学生返乡创业融资难题和化解策略

The Discussion on the Financing Problems and Solutions of College Students Returning Home

高校大学生返乡创业能够为当地经济增长创造强大的内生动力。虽然国家与社会已经面向该群体出台实施了若干融资政策,但也面临着一系列难题。需要创业者不断增强融资能力,政府部门要引导金融机构优化融资渠道,建设多元化的融资网络,多元主体要完善资信评价和担保贷款制度。

College students returning home to start their own businesses can create a strong endogenous driving force for local economic growth.Although the state and society have introduced a number of financing policies for this group,but also faced with a series of difficulties.Entrepreneurs need to continuously enhance financing ability,government departments should guide financial institutions to optimize financing channels,build a diversified financing network,and multiple subjects should improve the credit evaluation and guarantee loan system.