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2002年12月24日,中国人民银行、财政部、国家经贸委、劳动和社会保障部联合发布了《下岗失业人员小额担保贷款管理办法》(以下简称《办法》)。《办法》对贷款的对象和务件、贷款程序和用途、贷款额度和期限、贷款利率与贴息、贷款担保基金、贷款担保机构、贷款管理与考核、贷款担保基金的风险管理等作出了规定。《办法》指出,各商业银行要根据本办法的要求,结合本行
On December 24, 2002, the People’s Bank of China, the Ministry of Finance, the State Economic and Trade Commission and the Ministry of Labor and Social Security jointly released the Measures for the Management of Micro-Guaranteed Loans for Unemployed Unemployed Workers (hereinafter referred to as the “Measures”). The Measures provide for the objects and services of loans, the procedures and uses of loans, the limits and duration of loans, the interest rates and interest subsidies, loan guarantee funds, loan guarantee agencies, loan management and assessment, and risk management of loan guarantee funds. The Measures state that all commercial banks shall, in accordance with the requirements of the present Measures, integrate with the Bank