共探普惠金融如何赋能社会组织，我国首份社会组织贷款专项调研报告在京发布

Core Viewpoint - The development of social organizations in China is significantly hindered by financing challenges, necessitating a robust financial support system to enhance the accessibility of loans for these organizations [2][3][4]. Group 1: Current Situation of Social Organizations - As of now, there are approximately 860,000 social organizations in China, employing over 10 million people, primarily funded through donations and government services [3]. - The financial pressure on social organizations is substantial, with around 30% of their total revenue coming from personal advances by founders, leading to potential issues such as delayed employee salaries [3][4]. Group 2: Loan Accessibility Issues - A significant 45% of social organizations face challenges in obtaining loans to address temporary liquidity shortages, with many being excluded from the credit system despite being legal entities [4][5]. - Only 8% of social organizations that have sought loans have successfully obtained them through their organizational identity, with most relying on personal loans or borrowing from friends and family [5]. Group 3: Recommendations for Improvement - The report suggests that improving the loan system for social organizations requires clear policies and innovative financial products, including establishing a dedicated credit assessment system for non-profit entities [6]. - Short-term actions should focus on policy clarity and product innovation, while medium-term efforts should aim at creating a supportive institutional environment and diverse credit products [6]. Group 4: Risk Assessment and Collaboration - The repayment capacity of social organizations can be evaluated based on their income sources, such as government contracts and foundation support, which can provide a reliable basis for loan assessments [7]. - Collaboration among government departments, financial institutions, social organizations, and research entities is essential to address the challenges surrounding social organization loans [8].