引导创业担保贷款助力小微企业纾困  

Guiding Entrepreneurial Secured Loans to Help Small and Micro Enterprises Bail Out

作　　者：陈岩[1] CHEN Yan

机构地区：[1]中国人民银行松原市中心支行,吉林松原138000

出　　处：《吉林金融研究》2021年第11期64-65,共2页Journal of Jilin Financial Research

摘　　要：2021年疫情冲击叠加经济下行和大宗商品涨价压力,使小微企业运营成本增加及流动性资金不足。人总行贯彻党中央重大决策,充分发挥信贷政策导向作用,引导金融机构加大对市场主体特别是中小微企业纾困帮扶力度。创业担保贷款作为一项信贷惠民政策,是为创业者个人或中小微企业提供贴息的政策性贷款业务。本文以松原中支为例,探索如何引导金融机构加大创业担保贷款对小微企业融资支持,并减少小微企业融资成本。The impact of the epidemic in 2021 is superimposed on the economic downturn and the pressure of commodity price increases,which will increase the operating costs of small and micro enterprises and insuffi cient liquidity funds.The People's Bank of China implements the major decisions of the Party Central Committee,gives full play to the guiding role of credit policies,and guides fi nancial institutions to increase relief and assistance to market entities,especially small,medium and micro enterprises.As a credit-benefi ting policy,the business secured loan is a policy-based loan business that provides discounted interest to individual entrepreneurs or small,medium and micro enterprises.This article takes Songyuan as an example to explore how to guide fi nancial institutions to increase the fi nancing support of entrepreneurial secured loans to small and micro enterprises and reduce the fi nancing costs of small and micro enterprises.

关 键 词：创业担保贷款 小微企业 助力抒困 

分 类 号：F830[经济管理—金融学]