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个人工资自保担保贷款是2002年海南省儋州市农信社首创的金融产品。其内涵是：借款人以其固定的工资收入作为偿还贷款保证或担保人以其固定的工资收入为借款人偿还贷款作保证担保。至今,儋州市农信社已累计发放个人自保担保贷款18760万元,累收9310万元,贷款余额9450万元,占全社贷款余额的22．2%,贷款到期回收率达99 9%,百元贷款收患额为8．7元,成为效益增长的一个新亮点。
Personal wage self-insurance loan is the first in 2002 in Hainan Province Pizhou Rural Credit Cooperatives financial products. Its connotation is: the borrower with its fixed wage income as a loan repayment guarantee or guarantor for its fixed income as a borrower to repay the loan as a guarantee. So far, Pizhou Rural Credit Cooperative has issued 187.6 million yuan of personal self-assured and guaranteed loans, accumulating 93.1 million yuan, with loan balance of 94.5 million yuan, accounting for 22.2% of the total loan balance of the whole society. The loan recovery rate reached 99.9 %, One hundred yuan loan amount of 8.7 yuan, a benefit of a new bright spot.