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发放下岗失业人员再就业担保贷款是党和国家积极帮助下岗失业人员尽快实现再就业,促进地方经济健康稳定快速发展的重大政策措施,但从本地实践情况看,此项贷款业务难以大力开展。为深入分析其原因,本人进行了认真调研。再就业担保贷款难以开展的原因1.政策上有欠缺。一是经营风险过高。各银行普遍认为,再就业担保贷款表面上有再就业担保公司担保.而实际上贷款发放比例是按1:5进行,还有4倍
The issuance of laid-off and unemployed workers re-employment secured loans is a major policy measure that the party and the state actively help laid-off workers re-employ as soon as possible and promote the healthy, stable and rapid development of the local economy. However, from the point of view of local practice, the loan business is hard to carry out vigorously. In-depth analysis of the reasons, I conducted a careful investigation. Re-employment guarantee loans difficult to carry out reasons 1. There is a lack of policies. First, the operating risk is too high. Banks generally believe that rehiring secured loans appear on the surface of re-employment guarantee company guarantees, while in fact the proportion of loans issued by 1: 5, there are 4 times