The Year I Graduated, I Relied on a Loan of 30,000 Yuan to Leverage My Life.

Lin Yue, a recent graduate, received a call from his mother on the day of his graduation ceremony - his father was diagnosed with uremia, and his family had depleted their savings and still owed 80,000 yuan. He gave up his graduate school quota and went to Beijing to find a job with 1,200 yuan in his pocket. Jin Ge, a "good Samaritan" from the Beijing Railway Station, stopped on the road to sell a "zero-interest credit loan". Lin Yue saw through it that it was a chopping-interest loan and got out in time. I accidentally joined a leather goods company, my salary was owed for three months, and I almost slept on the flyover. In the early hours of the most desperate morning, he squatted in the self-service area of ​​a bank and met the account manager Su Nian. For the first time, he learned that the country had a "guaranteed loan for college students' entrepreneurial loans" policy-the government subsidized interest and was legal and compliant. With no business license, no guarantor, and no start-up capital, Lin Yue used his last few hundred yuan to buy a batch of second-hand books and squatted in front of the university to sell them one by one. While saving money, he used free legal aid to sue the sinister boss, Mr. Zhao, to recover the arrears of wages for himself and five colleagues. Mr. Zhao was listed on the list of business anomalies. From walking under an overpass to becoming a bank VIP, from being in debt of 80,000 yuan to becoming a counterattack entrepreneur, Lin Yue relied not on luck, but on the country's good policies and his own brains to avoid stepping into pitfalls. He rejected temptations three times - routine loans, handbag companies, and illegal fund-raising. Every step he took was legal and steady. This is a story about integrity, struggle and compliant financing. It is also a pitfall guide for all young people who have just graduated.