[閒聊] 青創貸款其實與一般融資貸款差不多？
小弟最近問了好幾家承辦青年創業及啟動金
貸款的銀行，大部分承辦人都說要有收入才
能貸還要有擔保品，甚至有的直接說他們以
一般的商業放款評估，只是利率低一些而已
，有的公股銀行也是如此，還有貸款金額不
超過資本額等等。
小弟想問的事，青創貸款不像是創業貸款，
像是一般融資貸款，只是利率低了一些，還
是政府將放款直接給銀行決定就是錯誤的政
策，銀行一定用審一般貸款的角度來看，感
覺也不太會看計劃書，注重現時收入等等
請教各位的看法。
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