小额担保贷款业务发展中的制约因素分析

摘要

下岗失业人员小额担保贷款是支持包括广大下岗失业人员在内的社会弱势群体自谋职业、自主创业的＂民生工程＂,也是维护社会稳定、推动社会和谐、促进社会共同发展的＂稳定工程＂。从制度设计的初衷看,再就业小额担保贷款理应得到很好地发展,但是受各种因素的制约,目前此项业务的潜力没有得到深度挖掘,政策效应呈现日益递减趋势,应引起重视。%Small secured loan for laid-off workers is a livelihood project,which supports the socially disadvantaged group to be self-employed and start a business on their own,including the most laid-off workers.It's also a stabilization project to maintain society stability,improve society harmony and promote society collaborative development.According to the original intention of the system design,re-employment small-sum guaranteed loan should have been well developed.At present,the potential of the business hasn't been dug deep enough,due to the condition of various factors,the polity effect has been showing a tendency to decrease,which should be paid more attention.