论文标题:湖南省下岗失业人员小额担保贷款问题与对策研究
Research on Micro-lending for Laid-off Workers and Countermeasures in Hunan Province
论文作者
论文导师 周中朝,论文学位 硕士,论文专业 公共管理
论文单位 国防科学技术大学,点击次数 2,论文页数 65页File Size5005K
2006-10-01论文网 http://www.lw23.com/lunwen_172289677/
laid-off workers;; micro-lending;; reemployment
2002年9月,党中央、国务院为重点解决国有企业下岗失业人员的再就业问题,实施了积极的就业政策,下岗失业人员小额担保贷款政策是其中的重要政策措施之一。它是一项主要以社会稳定为主要目标的政策性信贷业务,旨在通过政府担保政策的扶持帮助下岗失业人员从金融机构获得小额贷款进行自主创业。 湖南省自2003年实施下岗失业人员小额担保贷款以来,取得了较好的成效,解决了一部分下岗失业人员的再就业,促进了经济社会的稳定。截止2006年6月底止,全省共为37054名下岗失业人员发放小额担保贷款约4.9亿元,带动了5.8万人实现了就业再就业。但同时,这项扶持优惠政策也面临着两个的根本性的难题:一是发放贷款的金融机构的盈利性目标与社会目标不相容;二是下岗失业人员的信贷偿还能力受到质疑。 本论文围绕湖南省下岗失业人员小额担保贷款问题与对策研究这一主题,分析了当前湖南省的下岗失业人员小额担保贷款的做法和存在的问题,对当前阻碍这一政策执行的相关原因作了较为深入的分析,例如:从经济学角度出发较详细地分析了金融机构不愿发放下岗失业人员小额担保贷款的原因。同时,针对面临的现状及问题,提出了进一步推进这项政策的对策与建议,如:完善对商业银行的正向激励,建立借款人按期还款的约束与激励机制,发挥社区劳动保障平台的作用等等。最后,以长沙市下岗失业人员小额担保贷款情况为例进行了案例实证分析。
In order to solve the problem of the reemployment of laid-off workers in state-owned enterprises, the Party Central Committee and the State Council have applied positive employment policy since September 2002. The policy of micro-lending for laid-off is one of these important policies. The policy targets for social stability through policy credit operation. The laid-off workers can obtain micro-lending from financial organizations with the help of government guarantee policy so that they can start their undertakings independently. It has got some good result in Hunan Province since 2003 when this policy was put into practice. Some laid-off workers get their new jobs. It is good for the stability of economic society. Until the end of 2006, there has been 37054 laid-off workers obtained 490 approximately million RMB, 58 thousand laid-off workers reemployed. Meanwhile, the preferential policy is also facing two fundamental problems. Firstly, between the aim of these financial organizations, that is pursuing profits, and social target of this policy, there are some conflicts to some extents. Secondly, there are still doubts on laid-off workers" ability of paying debt. The theme of this article is the micro-lending and its countermeasures in Hunan Province, the analysis of the practice of this policy and the problems in Hunan Province, the analysis of the reasons of obstacles to this policy. For example, judging from the economic point of view, commercial banks are reluctant to the micro-lending for laid-off workers as a key analysis. Meanwhile, in view of the current situation and problems faced, the file studies and pondered how further consummates the policy of micro-lending for laid-off workers in Hunan Province, for example, positive incentive for the commercial banks to improve, establishment of the restraint and incentive mechanism of the borrower"s regular repayment, to play the pole of the community labor security platform. Finally, based on the actual situation of Changsha city in Hunan, the file gives an empirical analysis. |