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为引导金融机构扶持弱势群体发展,国家借助财政金融手段探索了扶持弱势群体的多项贷款品种,如助学贷款、小额担保贷款等。然而,实践表明,金融扶持弱势群体贷款的实际效果在各地差异较大,部分地区进展缓慢。究其原因,抵押担保难仍然是制约弱势群体获得信贷资金的主要因素。本文以四川省达州市金融扶持弱势群体发展为例,重点分析金融扶弱贷款的抵押担保困境,从中探索金融扶弱贷款抵押担保的创新模式与对策建议。
To guide financial institutions to support the development of disadvantaged groups, the state has explored various types of loans that support disadvantaged groups through financial and financial means, such as student loans and small-sum guaranteed loans. However, practice shows that the actual effect of financial support for loans to vulnerable groups varies greatly from place to place, and the progress in some areas is slow. The reason is that mortgage guarantee is still the main factor restricting the access of vulnerable groups to credit funds. Taking the development of vulnerable groups in Dazhou, Sichuan as an example, this paper focuses on the plight of mortgage-backed loans for financially weakened loans and explores innovative modes and countermeasures for mortgage-backed loans for financially weakened loans.