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去年底,中国人民银行、国家经贸委、财政部、劳动和社会保障部等四部门联合下发了《下岗失业人员小额担保贷款管理办法》(银发[394]号,以下简称《管理办法》),对下岗失业人员实现再就业起到了推动作用,但在操作过程中,也存在一些问题,不同程度地阻碍了贷款工作的进展。针对这些问题,笔者从操作角度谈几点看法。如何尽快确定小额担保贷款机构?根据《管理办法》规定,下岗失业人员小额贷款担保基金委托各省、市政府出资的中小企业信用担保机构或其
At the end of last year, the People’s Bank of China, the State Economic and Trade Commission, the Ministry of Finance, the Ministry of Labor and Social Security and other four departments jointly issued the Measures for the Management of Small Guaranteed Loans for Laid-off Workers (Yin Fa [394], hereinafter referred to as the “Administrative Measures” ). It has played a catalytic role in realizing the reemployment of laid-off and unemployed people. However, during the operation, there are some problems that have hindered the progress of loan work in varying degrees. In response to these problems, I talk about the operation point of view. How to determine the micro-credit guarantee institutions as soon as possible? According to the “Administrative Measures”, the laid-off workers’ micro-loan guarantee fund entrusts the SME credit guarantee agencies funded by the provinces and municipalities or their