The Problems and Countermeasures during Implementing the Womens Small Secured-loans Fiscal Subsidized-interest Policy
The policy,The Notice on Improving the Small Secured-loans Fiscal Subsidized-interest Policy and Promoting Womens Employment and Self-employment,launched in 2009 by the All-China Womens Federation (ACWF),the Peoples Bank of China (PBOC),and the ministries of Finance and Human Resources and Social Security,aims at helping resolve the tension problem of the capital that the women meet during their employment and self-employment.Firstly,the thesis analyses the relevant parties as well as their relationships by explaining the procedural graph.Then,some existing problems are summarized and dissected during implementing the policy,such as the harsh counter-guarantee conditions the local security institutions require from the potential women,the higher transaction costs the women have to meet when applying for the secured-loans,too complex authenticated documents to be presented,the funds for subsidizing interests and rewarding ACWFs branches the local fiscal institutions promise,are not provided in time and not stipulated clearly,etc..Finally,the thesis recommends some methods to improve them,like establishing the joint-administrative mechanism to implement the policy,adopting the joint-security way to relax the counter-guarantee conditions,extending the sources of security funds,developing the finance-extended services including the skills and related knowledge training to the women,fulfilling the rewarding and punishing mechanism strictly,etc..
Subsidized-interest Women Small Secured-loan Problems Countermeasures
LI Shujie TANG Hongjuan GUO Xiaoli
Depart.of Finance,China Womens University,Beijing,P.R.China Depart.of Management,China Womens University,Beijing,P.R.China
国际会议
青岛
英文
117-123
2012-07-20（万方平台首次上网日期，不代表论文的发表时间）