New Progress Has Been Made In Microfinance In Heilongjiang.

Since the beginning of the year, efforts have been made to increase the number of small loans in various cities in the province. The labor and employment departments have taken the initiative to coordinate the relevant departments. With the support of the local government, they have taken effective measures to actively raise the matching guarantee fund, simplify the loan procedures, reduce the guarantee threshold, and make new progress in the work of small loans. In 1-5, 92 million 812 thousand laid-off workers were granted loans of 92 million 812 thousand yuan. As of the end of 5 months, a total of 10018 unemployed laid-off workers were granted loans in Qigihar, Yichun, Suihua, Harbin, Mudanjiang, Jixi and Qitaihe.

We should simplify the procedures and reduce the threshold.

Municipalities actively coordinate with relevant departments to solve the problem of cumbersome procedures and high threshold for small loan issuance, and speed up the progress of payment.

Harbin extended the scope of counter guarantee, and the guarantor was expanded from the original three kinds of people (civil servants, teachers and doctors) to the staff members of state organs and non loss enterprises. The scope of property mortgage was extended to personal property, securities, housing, machinery and pportation.

It also adopts the form of personal credit guarantee.

Qigihar is exempt from the appraisal fee and mortgage authentication fee for the loan households with the property mortgage.

Daqing City pferred the original evaluation right of commercial projects undertaken by commercial banks to the employment bureaus of each district, and the processing time was shortened from 40 days to 22 days.

At the same time, by the municipal government's decision, the discount project has been expanded, and the seed breeding projects have been fully subsidized by the government.

We should actively expand policy publicity and extend loans to counties (cities).

In order to make the laid-off and unemployed workers further understand the relevant policies of small loans, municipalities have publicised the relevant policies of small loans through news media such as television and newspapers.

For example, Jixi has continuously publicizing the relevant policies of small loans through radio and television stations. At the same time, all streets, communities and enterprises are organized to publicize and publicize small loan policies, so as to help laid-off and unemployed people understand policies.

In order to facilitate the masses, Qigihar regularly goes to 7 districts, 9 counties and cities.

Yichun has implemented the "one-stop" door-to-door service, and has formed a small loan issuing working group. It has gone deep into all counties (cities), districts and bureaus to provide loans for laid-off and unemployed people, providing procedural and standardized guidance and services. At present, small loans have already covered 19 counties (cities), districts and bureaus of the whole city.

Jixi Mishan and Qitaihe Boli counties regard small loan guarantee as an important task in implementing the re employment policy. They set up a small guarantee loan working group, and set up a small loan guarantee center. Each functional department of the government performs its duties and responsibilities, which provides a guarantee for the smooth development of the small loan guarantee work at the county level.

At present, Mishan has issued a small loan of more than 280 yuan for laid-off workers 5 million 140 thousand yuan.

Boli County in 1-6 months for 70 laid-off workers to issue small loans 1 million 170 thousand yuan.

Three, municipalities are actively organizing entrepreneurial laid-off workers with entrepreneurial aspirations to participate in entrepreneurship training, and set up a working mode of entrepreneurship training and small loan issuance as a whole.

To collect and recommend entrepreneurial projects for laid-off workers, organize expert guidance and conduct follow-up services.

Improve the success rate of business, reduce the risk of loans, and promote loans.

At present, our small guarantee loan has made some achievements, but there are still some problems in the work.

First, some cities are slow in their work and some are in a state of stagnation due to various reasons.

Two, the loan payment is narrow, especially at the county (city) level, and most cities only distribute loans in central cities.

Three, some cities failed to match the guarantee fund in full.

To this end, municipalities should strengthen leadership in the work of issuing small loans, intensify their work and speed up their work progress, actively coordinate relevant departments, properly solve the problems existing in their work, especially promote the issuance of county level loans, so that the policy of small loans can really be implemented.