创新理念造梦 实干精神圆梦 Innovative idea inception work spirit interpreta dream

河南团组织探索服务青年创业成才新模式 Henan youth entrepreneurship educators to explore service become a new model

　　郑州金泰尔电气有限公司财务经理刘玉霞压在心头的两件大事，近期终于有了着落：一是通过河南团组织的帮助，获得了500万元银行贷款，解决了资金短缺的难题；二是通过企业建团和开展活动，留住了原来多发奖金也留不住的业务骨干，公司效益提升、队伍稳定，她也因此获得老板的褒奖。

郑州金泰尔电气有限公司财务经理刘玉霞压在心头的两件大事,Recently had a landing:One is with the help of henan youth league,Won the 5 million yuan bank loan,Solves the problem of shortage of funds;2 it is through the enterprise groups and activities,Retain the original multiple bonuses can't stop the business backbone,Company efficiency gains/Stable team,她也so获得老板的褒奖.

　　河南省青年助业贷款工程是河南省青年创业服务中心(以下简称“河南青创中心”，现已更名为河南省青少年发展服务中心)的创新性工作之一。自2008年11月成立以来，河南省青创中心推进青年创业就业的融资服务体系、项目品牌体系和资源支撑体系建设，成效明显。

Youth to help industry loan project of henan province是河南省青年创业服务中心(Hereinafter referred to as the"Henan green at center",Is now renamed as henan youth development service center)One of the innovative work.Since its establishment in November 2008,Green at center of henan province to promote youth employment entrepreneurship financing service system/Project brand system and resource support system construction,Results obvious.

　　“青年助业贷款”为中小企业雪中送炭

"Youth business loans"For small and medium-sized enterprises now

　　“商业银行追求经营稳健与规模效益，不愿承担我们这种中小企业贷款较高的交易成本和违约风险，想贷款真难啊！”刘玉霞说，“幸运的是，在我们公司因资金缺乏濒临倒闭时，河南青创中心帮我们从银行贷到了500万元，公司一下子活了过来。”

"The steady pursuit of commercial Banks and economies of scale,Don't want to take our this kind of small and medium-sized enterprise loan higher transaction costs and risk of default,Want to loan is difficult!"LiuYuXia said,"As luck would have it,In our company failed because of lack of funds,Henan green gen center help us for 5 million yuan loan from the bank,Company suddenly come alive."

　　2010年3月以来，河南青创中心联合国家开发银行河南分行(以下简称“国开行”)开展了青年助业贷款，依托共青团的组织优势，运用国开行规划与信用先行的社会化融资理念，推行“114河南模式”，即1组风险防范措施，1套激励约束机制，4个平台，形成了单笔额度500万元以下的批发化、标准化小额贷款模式。

2010年3月以来,Henan green and center of henan branch of the China development bank(Hereinafter referred to as the"CDB")In the youth to help business loans,With the advantages in the communist youth league organizations,Using the CDB credit of planning and leading social financing ideas,push"114 henan mode",1 set of risk prevention measures,1 set of incentive constraint mechanisms,Four platforms,Formed a single amount 5 million yuan of the following wholesale/Standardized microcredit model.

　　国开行河南省分行行长王卫军自豪地介绍，截至2012年年底，已累计向1257家以青年为领头人的中小企业发放贷款42.52亿元，带动社会就业21.4万余人；累计有679家企业按期还款21.698亿元，所有贷款本息均未逾期；该项目用了仅仅一年多就成为该行的专营业务；所有借款企业也都建立了团组织。

CDB河南省分行行长王卫军自豪地介绍,By the end of 2012,Has accumulated to 1257 youth as the leader of the small and medium-sized enterprises loans of 4.252 billion yuan,Drive the employment of more than 214000 people;Total 679 businesses timely repayment of 679 yuan,All loan principal and interest shall not exceed the time limit;The project with the only more than one year will be the bank's franchise business;All borrowing enterprise league organization is established.

　　为破解青年创业融资难，河南青创中心不断推进河南省青年创业融资体系建设，在2009年年初就与11家省级银行机构建立了合作关系。青创中心与其中7家银行逐步达成75亿元授信，先后形成了与国开行合作的“河南省青年助业贷款工程”、与邮储银行合作的“青年小额贷款项目”、与交通银行合作的“河南省交银青年助业贷款工程”等知名品牌，构建起涵盖多种类型青年创业企业的融资服务体系。

为破解青年创业融资难,Henan green gen center constantly promoting youth entrepreneurship financing system of henan province,In early 2009 with 11 provincial banking institutions set up a partnership.Green a center and the seven Banks gradually reached a $7.5 billion credit,Has formed a collaboration with CDB"Youth to help industry loan project of henan province"/With the post office bank cooperation"Youth microfinance projects"/Cooperation with bank of communications"Bocom youth to help industry loan project of henan province"Well-known brands such as,构建since涵盖多种类型青年创业企业的融资服务体系.

　　社会化运作成就项目推进新模式

社会化运作成就项目推进新模式

　　3月23日，花园口社区健康直饮水工程启动暨在校大学生创业动员仪式在郑州市花园口社区举行，河南工程学院大三学生宗明洋拿下了这单400万元的合同。宗明洋是河南青年创业吧培养的创业典型之一。

3月23日,HuaYuanKou community health direct drinking water project startup and college students entrepreneurship to mobilize the ceremony was held in zhengzhou HuaYuanKou community,Henan engineering college junior ZongMingYang scored this single 4 million yuan contract.ZongMingYang henan youth entrepreneurship training is one of the typical entrepreneurship.

　　“要是没有青年创业吧的指导帮助，我现在还是个对创业一窍不通的学生。”宗明洋感慨地说，自2011年11月，河南青年创业吧创业导师、河南乐泉净水科技有限公司董事长韩亚希就对他的创业给予全方位的辅导和支持，使他的经营能力快速提高，“仅2012年，我就赚了10多万元。”

"Without the guidance of the youth entrepreneurship,I was a don't know anything about entrepreneurship students now."ZongMingYang regrets ground say,Since November 2011,Henan youth entrepreneurship mentors/Henan LeQuan water purification technology co., LTD., chairman of Han Yaxi to him give all-round counseling, and support entrepreneurship,Fast to improve his management ability,"In 2012 alone,I have made more than 10, ten thousand yuan."

　　河南青年创业吧依托高校内的活动中心及周边的学生集散地，建立项目资源相对集中的“高校版创业吧”；利用现有的咖啡厅、茶楼、会所等活动场所，建立创业资源相对集中的“社会版创业吧”，这种带有明显标识、具有固定活动场所和特定活动机制的开放性青年创业综合服务平台，帮助有创业意愿的青年创业者汇集创业资源、寻找创业资金、接受创业教育、推介创业项目、提升创业技能。

河南青年创业吧依托高校内的活动中心及周边的学生集散地,Establish project resources are relatively concentrated"University version of the business";Using existing cafe/Tea house/Club activities,Creating business resources are relatively concentrated"Version social entrepreneurship",This is clearly identified/Places and a particular activity has a fixed mechanism of the openness of youth entrepreneurship integrated service platform,Help to collection of young entrepreneurs entrepreneurship resources/Looking for money/Accept entrepreneurship education/Promote entrepreneurship project/Promote entrepreneurship skills.

　　创业吧每周四和周日都举办活动，两年来，风雨无阻，从未间断。项目办对于参加每次活动的创业者进行登记，专门建立项目档案，并对重点项目进行跟踪服务，帮助创业者提高对商业机会的判断能力以及对风险的抵御能力，帮助创业企业快速成长。

创业吧每周四和周日都举办活动,Over the past two years,Rain or shine,Never stopped.Project department to register to participate in every activity of entrepreneurs,Set up project files,And tracking service for key project,To help entrepreneurs to improve the judgment of the business opportunities and's ability to resist risks,Help business enterprise fast growth.

　　创业吧注重分类引导，已经形成了政策解读、项目+导师、项目+资金、项目+市场(商业模式)、项目+场地、项目+团队(人才)、创业辅导、创业沙龙等9个类别活动体系，通过这些集中性资源对接活动，根据不同创业者的需求，有针对性的提供面对面的交流和资源对接。

创业吧注重分类引导,Has formed the policy interpretation/+ project mentor/Project + money/Project + market(Business model)/Project + site/Project + team(talent)/A coaching/Nine categories such as business salon activity system,Through these concentration resources and docking activities,According to the requirements of different entrepreneurs,Targeted to provide face-to-face communication and resources docking.

　　截至2012年年底，河南青年创业吧累计有910余位爱心企业家加盟并现场指导，已注册青年创业导师505名，青年创业项目库有效项目296个，已经开展集中活动233次，累计超过3万人接受创业辅导，先后开通网站、QQ群等新媒体平台，建立郑州大学青年创业吧等46个“高校版创业吧”、目标汇青年创业吧等56个“社会版创业吧”。如今，创业吧正在努力成为河南省青年寻求创业资源支持的首选品牌。

By the end of 2012,Henan youth entrepreneurship, accumulative total has more than 910 love entrepreneurs to join and guidance on site,505 registered youth entrepreneurship mentors,Effective project 296 youth entrepreneurship project libraries,Has carried out centralized activities 233 times,Accumulated more than 30000 people have received a coaching,Successively launched website/QQ group and other new media platforms,Build zhengzhou university youth entrepreneurship etc. 46"University version of the business"/Target send youth entrepreneurship etc. 56"Version social entrepreneurship".now,Business is striving to become henan youth for entrepreneurial resources supporting the preferred brand.

　　整合担保降风险，巧借时尚抓项目

整合担保降风险,Skillfully by fashion items

　　“没想到参与公益事业，也能给俺企业带来客户，产生利润。”正在筹备中原商道论坛的易君传媒公司总经理刘君丽提起河南青创中心和青年时尚促进会，特别有感触。

"Didn't expect to participate in public welfare undertakings,Also can bring to an enterprise customer,Generate profits."正在筹备中原商道论坛的易君传媒公司总经理刘君丽提sinceHenan green at center和青年时尚促进会,Are especially feelings.

　　河南青创中心摒除“头痛医头脚痛医脚”的短视行为，实施项目建设时，立足长远、系统谋划，在项目支撑体系的关键瓶颈上，不断着力系统性突破。像刘君丽这样的创业者，如果仅靠个别企业或组织介绍客户和项目，很难保证长效发展，但有了河南省青年时尚促进会这样的项目整合平台，刘君丽借助该平台的资源和人脉，寻找到了企业可持续发展的有效路径。促进会这个平台也正是以时尚产业作为抓手和突破口，整合时尚领域和相关产业的项目库和人脉，既为普通青年提供创业所需资源，也为与银行合作提供坚实的项目库支撑。

Henan green at center摒除"The deficit"The short-sighted behaviour,Implementation of the project construction,Based on the long term/System planning,In the project support system is the key bottleneck,Constantly focus on systematic breakthrough.Like LiuJunLi entrepreneurs,If only by the individual enterprises or organizations introduce customer and project,It is difficult to guarantee long-term development,But with the youth fashion association for the advancement of the project in henan province integration platform,LiuJunLi through the platform of resources and contacts,Looking for the effective path for the sustainable development of enterprises.Association for the advancement of the platform is also in the fashion industry as a gripper and breakthrough,Integrated fashion and related industries project library and contacts,Provide resources needed for ordinary youth,Also provide solid project library support for cooperation with Banks.

　　河南省青年时尚促进会定位于借助团组织的公信力和组织优势，对有影响力的时尚个人及企业进行产业化的整合，有效引领时尚文化向积极健康的方向发展，服务广大受时尚潮流影响的青年群体。促进会自从成立就得到一大批有实力的企业家和时尚界爱心人士的广泛认可，除服装加工、珠宝销售、培训设计等诸多时尚行业外，更是辐射了与其相关的众多领域和人群。

河南省青年时尚促进会定位于借助团组织的公信力和组织优势,Fashion of influential individuals and enterprises to carry out industrialization of integration,Effectively lead the fashion culture to the positive and healthy direction,Serve the general youth groups affected by the fashion trend.Promotion association was established since the get a large number of entrepreneurs with strength and love fashion people widely recognized,In addition to garment processing/Jewelry sales/Training design, and many other fashion industry,More radiation in the relevant areas and the crowd.

　　项目问题解决后，创业路上的最大障碍就在于融资，而破解融资问题的最大瓶颈在于担保难。河南青创中心通过理论与实践的不断探索，历经河南省青年创业担保实体、省青年创业担保体系、省青年担保公司联合体，一直发展到拥有16家担保公司的省青年创业就业担保增信联盟，注册资本金合计15.5026亿元，承保能力超过150亿元，并正积极筹划成立河南省青年创业担保集团。

项目问题解决后,Business the biggest obstacle on the road is the financing,The financing problem is the biggest bottleneck guarantee difficult.Henan green gen center through constantly exploring of theory and practice,After henan youth entrepreneurship guarantee entity/Provincial youth entrepreneurship guarantee system/Provincial youth association of guarantee companies,Have been developed to have 16 guarantee company provincial youth entrepreneurship employment guarantee credit union,Registered capital totals 1.55026 billion yuan,Accept insurance capacity more than 15 billion yuan,And founded in henan province is actively planning for the youth entrepreneurship security group.

　　河南青创中心负责人动情地说：“人不能没有梦想，一个蓬勃发展的机构更应如此。河南青创中心这几年的发展历程，正是不断用创新的理念创造梦想，用实干的精神实现梦想。”

Henan green at center负责人动情地说:"People can not live without dream,A thriving institutions.In recent years the development process of henan green at center,It is continuous with innovative ideas to create the dream,With a pragmatic spirit to realize the dream."