Policy Implementation and EffectivenessEvaluation of Start-up Loans for the Youth :A study on Borrowers

• Main Authors: Zih-ning Guo, 郭子寧
• Other Authors: Chih-Yu Cheng
• Format: Others
• Language: zh-TW
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/59710659653568489664

碩士 === 國立臺灣大學 === 國家發展研究所 === 101 === According to the data of 2010 Global Entrepreneurship Monitor (GEM), 29.6% of Taiwan people are aware of entrepreneurial opportunities and 26.4% of Taiwan people think they have entrepreneurial ability. However, people as high as 43.8% are still afraid of failure in entrepreneurship. Along with the plight of offshoring on Taiwan industry, knowing how to help the development of small and middle enterprises (SMEs) in a sustained and stable pattern is more important than ever before. Among of career guidance policies of Taiwan government, Business Start-up Loans for Young Entrepreneur is specifically designed for youths who want to start a business. By interviewing the approval loan applicants, this paper is trying to examine the substantial assistances of Business Start-up Loans for Young Entrepreneur including borrowing funds, incubation courses, etc., and the perspective of interviewees in order to provide some advices for policy deliberation in the future, moreover, to give a guideline to those beginners through the successful cases. In regard to collected data, this paper generalized all interviewees’ opinions into three points. First, most interviewees appreciate the incentive of their government on the policy, and they are also grateful for the service attitude of clerical staffs. On the other hand, most of interviewees think the bank eligibility inspection is too restricted, which means that the completion in required business plan and incubation courses does not guarantee the application for approval. Therefore, they prefer the government to be the decision maker rather than banks, which may decrease the difficulty of applying and unify the service windows. Second, most interviewees think the 20 hrs entrepreneurial incubation course is too general, but business plan writing is helpful on clarifying their financial and operational planning. Concerning others specialized courses, most of the interviewees do not know about the course information even though the interviewees, who attended the courses before, give a highly positive evaluation, thus, the government should strengthen on propagating the information. Third, most entrepreneurial consultants are proactive and consistent in giving help to the trainees over one year, but not all of them contain industrial experience. Due to the question of consultants’ profession, the youth entrepreneurs actually want to be taught by other Successful entrepreneurs. In conclusion, the paper suggests that the government can improve the policy in four dimensions: systematized entrepreneurial training, internationalized entrepreneurial market, flexibilized entrepreneurial loan, and specialized entrepreneurial assistance. Furthermore, youths who want to start their business must be ambitious and well-prepared, besides, comprehensive planning, maintaining finance and tax transparency, and managing good partner relationship will help them to cope with incoming challenges and unexpected situations.