Liaoning Solves Small Loan Problem

A measure is expected to break a piece of ice in Liaoning's re employment project.

Recently, a company in Dalian launched the system of "laid-off workers to become shareholder employees", which is likely to change the issue of the issue of small secured loans for laid-off workers, which has been perplexing banks for a long time.

The guarantee problem is slowing down the speed of release. People from all walks of life revealed that at present, the laid-off and unemployed people are very unlikely to strictly audit through small loans under the premise that they do not have sufficient assets to guarantee.

According to statistics, from January to April this year, Liaoning Province issued a total of 35 million 238 thousand yuan of small secured loans for laid-off workers, supporting 2501 laid-off workers and re employment.

Dalian has issued 24 million 33 thousand yuan for the small secured loans of laid-off workers, and 6 cities in Tieling and Fushun have issued loans over one million yuan, while two cities in Jinzhou and Huludao have not yet issued loans.

In order to speed up the issuance of small secured loans, Liaoning has put forward its own measures.

For example, Shenyang has expanded the banking scope of small loans.

Among them, in addition to a branch of Shenyang commercial bank has issued a period of time, other banks have begun to be entrusted to issue the loan.

Moreover, the option space for application has also been expanded to a certain extent.

The new way of thinking is to let the loan issue break away from the cocoon. At present, the amount of payment in Dalian has reached 24 million 33 thousand yuan, which is unique in the small guaranteed loan issued by the whole province of Liaoning.

Among them, a "bundled loan" measures laid a golden road for laid-off workers.

It is understood that the so-called "bundling loan" refers to a company taking out certain shares, then organizing a certain number of laid-off workers by the street to apply for small loans, and then putting money into the company.

Because of the guarantee of a company, banks can lend money smoothly, so that the problem of such a laid-off worker without guarantee is solved.

At the same time, because these laid-off workers have become shareholders of the company, they not only have fixed income every month, enjoy insurance, provident fund and other welfare benefits, but also enjoy the year-end bonus according to their shares at the end of the year.

In this way, the problem of re employment of laid off workers has been solved. The problem of financing of small companies has also been solved to a certain extent, and the effect of killing two birds with one stone has been achieved.

Small and medium-sized loans should be diversified. The head of relevant departments of the provincial government pointed out that the application of small loans should develop ideas, so that they can be tried as long as they meet the requirements of national laws and regulations.

It is understood that the new measures in Dalian have been fully affirmed by the government departments.

With regard to the idea of "bundling loans" in Dalian, the relevant experts in the industry think that laid-off workers become shareholders' employees. This mode is in line with national laws and regulations, and is conducive to the promotion of laid-off workers' employment and the development of small and medium-sized enterprises.

In order to ensure the safety of loans, we must strictly examine the prospects of venture projects and the credit of business leaders, and also require the two sides to sign labor contracts and related agreements.

The "shareholder employee" is a new mode of employment. We should take it as a research object to track and supervise it so as to operate in accordance with market rules to protect the three party interests of the state, company and laid-off workers.

Recently, reporters from Shenyang issued a small number of small loan guarantee bank outlets to understand that although the actual application process has not yet appeared in the form of utilization, and how to make loans from small profit projects into a diversified, has become a common issue between banks and applicants.

Related links: the small loan guarantee is a loan support from the state to laid-off workers' re employment. The notice issued by the people's Bank of China, the Ministry of finance, the Ministry of labor and social security issued a notice on further promoting the work of small secured loans for laid-off workers, as early as 2002.

At present, more than 80% of the small guaranteed borrowers use loans to operate small profits.

For example, there are many small tables, shoeshine shops, and simple barber shops in the streets and alleys.