Improve The System Of Small Loans Of China's Laid-off Workers Explore

At the beginning of 1990s, our country started to appear the massive laid-off workers. As soon as these unemployed person appeared, it had become the entire Chinese society extremely sensitive topic. How to place the laid-off workers who these increase unceasingly, how to reduce the staff because of the economical pressure which came off sentry duty to create had become the question which our country Government must face in the last few years. On December 24,2002, in order to alleviated the problems which unemployed who started an undertaking and re-employment must face, People's Bank of China, Ministry of Finance, National Economic and Trade Committee, Work and social security department issued " the laid-off management methods of small guaranteed loan of unemployed people " ,it stipulated ,the laid-off workers may apply for the small guaranteed loan to satisfy the re-employment and the need for imbarking, and had made the detailed stipulation from loan object and condition, loan procedure and use, loan specified amount and deadline, loan interest rate and deducted interest, the loan guarantee fund, the loan guarantee organization, the loan manage and inspect, the loan guarantee fund risk management, loan service, surveillance and audit for laid-off workers'small guaranteed loan. In hereafter several years, it also had new stipulation appearing in abundance, these new stipulations were increasing sent for solving the problem which small guaranteed loan for unemployed people met, but in the reality still had many key problems cannot find the solution in these stipulations. This article will began with the stipulation about small guaranteed loan of unemployed people which the central committee issued recent years, unifies each place practical experience and separately from the historical perspective and present situation which appeared from the laid-off workers, the necessity of providing small guaranteed loan of unemployed people, the problems and contradictions in process of acting the small guaranteed loan of the unemployed people, effective addressing the question method and the effect appraisal and so on several aspects make a summary to the small guaranteed loan of unemployed people provide entire system and the developing exploration. Is worth mentioning that this article make a careful summary to the small guaranteed loan of unemployed people to the problems which appeared in the provide process, in the article mentions the problems like terms of credit quite are harsh, the commercial bank is not positive, the loan procedure is complex, the department which involved is multitudinous, between the department lacks the coordination, the small guaranteed loan lacks the guarantee support and so on many aspects are the most situations in the provide of the small guaranteed loan . In addition, speaking of the solution, through massive summary work, this article detailed analysis small guaranteed loan which had the problem in the provide the reason and the contradiction, and unified the domestic solution and the overseas related procedure proposed comprehensive, practical and feasible and also has the practical significance key to the situation, for example, coordinating department's relations enhancing imbarking training, establishing compensation for risk mechanism, displaying the ability of small business in absorption , establishing credit community, establishing Community Banks and so on, in particularly, it has the developmental discussion to the credit community. Finally, this article has carried on the further effect appraisal to the solution, the goal is to make the article integrated and valuable.