大连市小额担保贷款模式的探索  

Mode Exploration on Small Guarantee Loan in Dalian

作　　者：李景芳 曲昭[2] 赵玉杰 

机构地区：[1]辽宁经济管理干学院,沈阳110122 [2]辽宁大学,沈阳110036 [3]大连市西岗区企业信用担保有限公司,大连116011

出　　处：《工业技术经济》2011年第8期146-149,共4页Journal of Industrial Technological Economics

摘　　要：小额担保贷款主要是根据国家有关促进就业政策,针对符合贷款条件的创业人员在自谋职业、自主创业或合伙经营与组织起来就业过程中面临的资金困难,由各级政府设立小额贷款担保基金,经指定担保机构承诺担保,通过银行发放并由政府给予一定贴息扶持的政策性贷款。本文通过探索政策性小额担保贷款模式,促进大连市小额担保贷款工作有序进行,以创业带动就业,有利于发挥创业的就业倍增效应,调动劳动者创业的积极性和主动性,同时也为劳动密集型小企业扩大生产、增加就业岗位创造条件,对缓解就业压力具有重要的现实意义。Small guarantee loans are small loan guarantee funds set up by an levels of governments, guaranteed by the designated guarantee agency and issued by banks, as well as a kind of policy- based loans supported by the Government by granting a certain amount of discounts for entrepreneurs who meet the loaning conditions in their self- employed, independent business or partnership or organization to deal with their financial diffeulfies during employment based mainly on national employment promotion policies. In this paDer, by exploring the mode of policy- based small guarantee loans, it is of great practical significance to promote small guarantee loans in Dalian in an orderly manner, drive employment by enla, eprenem^p, give play to the job multiplier effect from entrepreneurshlp, mob＇rlize the enthusiasm and initiative of the workers, create conditions for small labor- intensive enterprises to increase productivity and employment op- portunities, and alleviate the emplovmem oressure.

关 键 词：小额担保贷款 运作模式 创业就业 

分 类 号：F830.5[经济管理—金融学]