四部门发文 引导政府性融资担保加力支持就业创业

Core Viewpoint - The Ministry of Finance, in collaboration with other governmental bodies, has issued guidelines to enhance the role of government financing guarantee systems in supporting employment and entrepreneurship, aiming to attract more financial resources to these areas [1][2]. Group 1: Government Financing Guarantee System - The government financing guarantee is a crucial tool for enhancing credit for small and micro enterprises and sharing risks with financial institutions, thereby supporting financing development, employment, and domestic demand [2]. - The guidelines aim to align with the national employment-first strategy, stabilize employment, and expand domestic demand while improving the financing guarantee policy framework [2]. Group 2: Key Policies and Mechanisms - The guidelines introduce a quantitative evaluation and incentive mechanism, focusing on increasing the contribution of government financing guarantees to employment through a key indicator, two linkage mechanisms, and three policy guarantees [2]. - The key indicator is the employment contribution rate, which will be linked to the allocation of guarantee resources [2]. Group 3: Support for Targeted Groups - The entrepreneurial guarantee loan subsidy policy is designed to leverage fiscal funds to support key groups such as college graduates, migrant workers, and veterans, with an average of 1 billion yuan in central fiscal subsidies potentially mobilizing about 5 billion yuan in new entrepreneurial loans [3]. - The support scope will be expanded to include previous college graduates and eligible vocational school graduates, enhancing policy fairness and coverage [3]. Group 4: Cost Reduction and Innovation - The guidelines aim to reduce the comprehensive costs for eligible entrepreneurial guarantee loans by encouraging financing guarantee institutions to lower or refund part of the guarantee fees [3]. - Innovative pilot cooperation models will be explored, allowing financing guarantee institutions to provide guarantees for entrepreneurial loans, improving efficiency and focusing on core business [3]. Group 5: Enhanced Service Efficiency - Local governments are encouraged to increase fiscal support for entrepreneurial guarantee loans, ensuring sustainable development of financing guarantee institutions [4]. - The guidelines emphasize the importance of quick access to credit and guarantee services, promoting streamlined processes and online operations to ensure timely funding for entrepreneurs [4].