First of all, the loan scale has yet to be expanded. According to statistics, in 20 10, Kunming registered about 40,000 unemployed people, nearly 20,000 college graduates, 6,543,808+086,400 landless peasants of working age, and more than 300,000 people needed employment. Only12,823 entrepreneurs have been supported by micro-loans, and only 13% of the unemployed have achieved employment.
Second, the loan target should be relaxed. At present, although the small secured loan policy in Kunming has covered the registered unemployed (including unemployed college graduates, land-lost people and the disabled), retired soldiers (including self-employed) and self-employed rural laborers (engaged in secondary and tertiary industries), the rural laborers engaged in the primary industry are still excluded from the small secured loan support policy.
Third, the small secured loan guarantee fund raising channel is single and the total amount is small. Since the implementation of small secured loans in 2006, the municipal finance has raised 60.3 million yuan of guarantee funds. Because the total amount of guarantee funds is small, even if the financial department enlarges the guarantee funds by 3-5 times, the loan scale is still small, which cannot meet the actual demand of "all loans should be made".
Fourth, the problem of small secured loans renewal has not been solved. The discount policy of small secured loans is the gospel of entrepreneurs, but according to the current policy, an unemployed person can only enjoy a loan once, especially for early entrepreneurs. As soon as the project sees benefits, the funds will be withdrawn. Although from this year, entrepreneurs in Yunnan Province who have enjoyed the policy support of small secured loans and repaid their loans on schedule can give small loans, there are many people who need policy support, and the number of people who need policy support is limited.
Fifth, the loan amount is low. The current policy stipulates that the loan amount of self-employed entrepreneurs engaged in self-employment shall not exceed 50,000 yuan, and that of women shall not exceed 80,000 yuan. But at present, the cost of starting a business is high, and it costs tens of thousands or more to rent a small shop casually. Coupled with the demand for liquidity, entrepreneurs are under great financial pressure.
Sixth, the work funds are low, which can not better mobilize the enthusiasm of the organs. The working capital of small secured loans in Kunming is 65438+ 0% of the total loans. Over the years, in order to ensure that small secured loans can be obtained, recovered and profitable, various agencies have strictly controlled key links such as household survey, project inspection, fund audit and follow-up assistance after loans, ensuring a high rate of capital recovery. Because the work needs in-depth and meticulous work, especially the clients are mostly self-employed entrepreneurs and self-employed, the business locations are scattered, the mobility is high, and the cost of investigation and follow-up visits is high. The existing working funds can not meet the demand for small secured loans, and it is difficult to mobilize the enthusiasm of the agencies.
Seven, it is difficult for the applicant to provide a guarantee. The loan applicants are mostly laid-off workers, college graduates who have just left school and rural laborers who have lost their land. Most of them have no property to provide security. It is not easy to find someone with a stable job and a high salary to guarantee it. Many people often flinch from this good policy because they can't find a guarantor.