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为促进困难、失业等弱势群众就业、创业,2003年,张家口市金融机构开始办理下岗失业人员小额担保贷款业务(以下简称“小额担保贷款”)。本文通过对张家口市小额担保贷款情况的调查,分析了目前小额担保贷款存在的贴息期限短、贴息力度小等问题,提出了延长贫困地区小额担保贷款期限和贴息周期、适当增大贫困地区劳动密集型小企业小额担保贷款的中央财政贴息支持等政策建议,以期小额担保贷款能够更好地在贫困地区发挥功效。
In order to promote employment and start-up for the disadvantaged people such as those in difficulties and unemployment, in 2003, the financial institutions in Zhangjiakou started to handle the small-sum guaranteed loan business of laid-off and unemployed people (hereinafter referred to as “micro-secured loan”). Based on the investigation of the small secured loans in Zhangjiakou City, this paper analyzes the problems such as the short interest discount period and the small discount interest rate of the current small-size guaranteed loans, and proposes to extend the period of small secured loans and interest discount cycle in poverty-stricken areas and increase the poverty appropriately Policy recommendations on such areas as central government interest subsidy for small-sum guaranteed loans for small and medium-sized labor-intensive enterprises in the region, so that micro-secured loans can be better served in poor areas.