基于地区差异女性创业法律问题研究——以江苏省扬州市妇女创业小额担保贷款实施过程为例

发布时间：2018-06-18 09:04

本文选题：妇女创业 + 小额担保贷款　；参考：《商业经济》2015年11期

【摘要】：妇女小额担保贷款财政贴息政策,切实帮助创业妇女解决创业资金瓶颈问题,扶植和带动了千万妇女创业就业。江苏省扬州市积极制定出台政策、不断完善机制建设、做好宣传和政策培训、明确"贷得出、收的回"的目标。但妇女创业小额担保贷款政策在实施过程中,存在着贷款额度统一规定、反担保条件比较苛刻、经费支撑不到位、政策操作性不强等问题。其改进措施是:政策层面,加强调查研究,确保政策真正落实到位;政府层面,创新工作机制,提高小额担保贷款效率;金融层面,探索建立妇女小额担保贷款风险控制机制;实施层面,强化就业指导和技能培训。
[Abstract]:The financial discount policy on women's small guarantee loans has effectively helped entrepreneurial women solve the bottleneck problem of venture capital and fostered and promoted tens of millions of women's entrepreneurship and employment. Yangzhou City in Jiangsu Province has actively formulated policies, continuously improved the construction of mechanisms, done a good job of propaganda and policy training, and made clear the goal of "obtaining loans and receiving returns". However, in the process of implementing the small guarantee loan policy for women's entrepreneurship, there are some problems, such as the unified provision of loan quota, the harsh anti-guarantee conditions, the lack of financial support and the weak operability of the policy, and so on. Its improvement measures are: policy level, strengthen investigation and research to ensure that the policy is truly implemented; at the government level, innovative working mechanism to improve the efficiency of micro-guarantee loans; financial level, explore the establishment of women micro-guarantee loan risk control mechanism; Implementation level, strengthen employment guidance and skills training.
【作者单位】：江海职业技术学院;扬州工业职业技术学院;
【基金】：江苏高校哲学社会科学研究课题规划项目:基于地区差异女性创业法律问题研究(2014JD724)
【分类号】：D669.68;F279.27;F832.4

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