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为充分发挥金融对再就业工作的支持力度,实现经济与金融共同发展的良好局面,中国人民银行会同财政部、国家经贸委、劳动和社会保障部联合下发了《下岗失业人员小额担保贷款管理办法》。但是从目前该《办法》的实施情况看,仍存在一些难点,难以顺利展开。难点之一,财政资金短缺,难以筹集小额贷款担保基金。由于县域经济发展相对落后,特别是经济欠发达地区财政资金十分紧张,无力筹集到贷款担保基金来承担代偿损失的责任。难点二,基层国有商业银行放贷条件受限,对发放下岗职工小额担保贷款的积极性不高,且由于放贷弹性很小,加之没有财政资金做为担保后盾,从而限制了此项业务
In order to give full play to the financial support for reemployment work and achieve a sound economic and financial development, the People’s Bank of China, jointly with the Ministry of Finance, the State Economic and Trade Commission and the Ministry of Labor and Social Security jointly issued the “Micro-Guaranteed Loans for Laid-off Workers Management approach. ” However, judging from the current implementation of the “Measures”, there are still some difficulties that are difficult to launch smoothly. One of the difficulties, the lack of financial funds, it is difficult to raise micro-loan guarantee fund. Due to the relatively backward economic development in the county economy, especially in the economically underdeveloped areas, the financial funds are so tight that they can not raise the loan guarantee fund to assume the responsibility of compensation for losses. Difficulties Second, the state-owned commercial banks at the grassroots level have limited lending conditions and are not enthusiastic about issuing small-sum guaranteed loans to laid-off workers. In addition, the flexibility of lending is minimal, and there is no financial capital to back them up as a guarantee, thus limiting the business