关于改进德清农商银行青年创业贷款业务的思考

一、引言·························································4

二、德清农商银行贷款业务基本情况··································4

三、德清农商银行青年创业贷款业务分析······························5

（一）德清农商银行青年创业贷款业务概述····························5

（二）存在的优势·················································6

（三）存在的不足················································7

四、改进德清农商银行青年创业贷款业务的建议······················9

（一）共青团参与农村青年创业小额贷款工作··························9

（二）结合业务特点开展农村青年创业小额贷款工作·················9

（三）建立农村青年创业小额贷款的风险控制机制················10

五、总结························································11

参考文献···················································11

内 容 摘 要

近年来，为了积极推进农村的发展，激励民众创业，德清农商银行本着“方便客户、灵活多样、覆盖风险”的原则，因地制宜，积极探索、创新适合农业农村实际、可操作性强的贷款方式，积极开展完善创业贷款业务。本文以浙江德清农商银行为调查对象，对德清农商银行的发展背景进行了阐述，对青年创业贷款业务进行了介绍分析，并调查了德清地区青年对创业贷款的需求情况及优劣势分析。