TAICHUNG YOUTH BUSINESS LOANS BOOST CONFIDENCE FOR ENTREPRENEURS|中市推青創貸款保證專案 助創業者圓夢

To encourage young people to set up business, and ease financial pressure on small and medium enterprises, Taichung City Government has cooperated with the Small and Medium Enterprise Credit Guarantee Fund of Taiwan (SMEG) to promote a dedicated loan. This offers NT$12.5 billion in loans to assist enterprises and loans for youth setting up business. So far it has helped 106 businesses with a five-year loan helping young entrepreneurs set up their business. When the bicycle tires are punctured they do not immediately leak air and automatically repair themselves. This is the result of Mr. Pai's own practical experience and research. It is now in production and has created many business opportunities. Mr. Pai says that the process of research and setting up a business has been difficult. ==PAI KUANG-HAO Young Entrepreneur== It takes more than NT$1,000 for testing one tire. These are the cost. Mr. Chen was originally a mushroom farmer in Nantou. He then designed his own brand and researched creative ideas for delicate and diverse agricultural products. In the process he had many difficulties. However, after obtaining the city government's youth business loan, his immediate financial pressure dwindled. ==MR. CHEN Young Entrepreneur== Government financing can be paid back over more installments, unlike banks, which mostly give short-term financing to SMEs for short-term purposes. Payment for government loans can be extended to five years and some times even longer. Many young entrepreneurs face challenges in the market and setting up their own brands, but the greatest challenge is financial difficulties. Taichung City Government has cooperated with the Small and Medium Enterprise Credit Guarantee Fund of Taiwan to promote a dedicated loan. This offers NT$1.25 billion for credit guarantees, and with credit gurantees estimated at tenfold, gives NT$12.5 billion in loans to assist enterprises and loans for youth setting up business. So far it has helped 106 businesses with a five year loan helping young entrepreneurs set up their dream business. ==TSAI CHEN-CHEN Sec-gen, Taichung Economy Development Bureau== Obtaining financing money from the SME Credit Guarantee Fund requires more than real estate as collaterals, but with the government's help, young people can have better access to finanncing for starting their own businesses. The city government said that the loans had been raised to NT$3 million, with a five year period to return the loan, thus it hoped to alleviate pressure on youth setting up business and alleviate worries for small and medium enterprise. TRANSLATED BY：CLARE LEAR 為鼓勵青年創業，緩和中小企業資金壓力，台中市府與信保基金合作，推動青創貸款保證專案，貸款期限五年，讓許多青年企業家可以一圓創業夢。 伸手將腳踏車胎搓破，不過沒有馬上洩氣，反倒可以自動修復，這項研發是這位白先生，用實務經驗發想的，現在不僅可以量產，也創造許多商機，他說研發和創業的過程，實在辛苦。 ==青年創業者 白光豪== 一條外胎 要一千多元測試費用 所以這些都是成本 另外這位陳先生，原本是南投的菇農，後來經過自創品牌，研發將農產品精緻化，和多元化的創意發想，其中經過不少困難，不過經過市府青創貸款專案挹注，讓眼前的資金壓力減到最小。 ==青年創業者 陳先生== （政府)分期的時間會比較長 它不是像銀行角度 就是短期 給中小企業 只有短期周轉而已 政府會看個五年 甚至可以展延多一年時間 不少青年創業時，除了面臨自創品牌和市場的挑戰，資金也是最大的困難，而台中市府與信保基金合作，推動青創貸款保證專案，提供1億2,500萬元辦理信用保證，並以保證倍數10倍估算，以12億5,000萬元協助企業及創業青年貸款，目前已經協助106個案例，成功創業。 ==經發局主秘 蔡珍珍== 因為要信保的話 只有不動產來抵押 在銀行不容易貸的 那因為政府來做保證 所以青年除了創意外 他們可以有資金來贊助他們創業 市府表示，貸款額度拉高到三百萬，也將還款期限拉到五年，希望可以緩解青年創業的壓力，也讓中小企業可以沒有顧忌。 綜合報導