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妇女小额担保贷款是国家出台的一项为帮助女性创业就业解决其融资困难的优惠性贴息贷款,文章首先介绍了妇女小额担保贷款的运行机制和存在的问题;接着,从效率的角度入手,用经济学原理阐释了妇女小额担保贷款存在问题的原因;最后,从机制创新的角度提出了解决妇女小额担保贷款问题的政策建议。
Micro-secured loans for women is a preferential interest-subsidy loan that is introduced by the state to help women start their own businesses and solve their financing difficulties. First, the article introduces the operating mechanism and existing problems of micro-secured women loans. Then, from the efficiency point of view, , Explains the reason of women’s microcredit loans with the principle of economics. Finally, from the perspective of mechanism innovation, it puts forward some policy suggestions to solve the problem of women’s microcredit loans.