Product Design Of College Students’ Entrepreneurship Loan

In recent years,with the improvement of China’s education level,more and more excellent college students have been cultivated.The pressure of employment and the pursuit of ideals make many students choose to start their own businesses.At the same time,the state has also introduced a series of supporting policies to vigorously support college students to carry out innovation and entrepreneurship.However,there are still many problems in college students’ entrepreneurship,including the high cost of entrepreneurship financing,the lack of experience in entrepreneurship financing,the lack of entrepreneurship financing channels and the lack of entrepreneurship financing funds.This paper aims to design a start-up loan product for college students,trying to solve the problem of college students’ start-up financing difficulties,and provide ideas for future innovation of entrepreneurial financial products.Based on the ideas of financial product design,this paper introduces the design concepts and elements of college students’ start-up loan products,including loan amount,loan term,guarantee mode,loan interest rate,financing mechanism and exit mode,based on the relevant theoretical knowledge of start-up loan.Then analyze the product from four aspects: product benefits and risks,product comparison,and product risk management,and product promotion strategies,and finally summarize.The main contribution of this paper is that,on the basis of combining the existing theories and the actual needs of entrepreneurial college students,in the traditional credit loans,the feasibility and attraction of products have been increased by adding guarantee methods,changing financing mechanisms,introducing exit mechanisms and equity conversion mechanisms.Through the research on college students’ entrepreneurship loan products in this paper,it will help the development and promotion of similar products in the future and help more college students realize their entrepreneurial dreams.