【金融街发布】财政部等四部门：进一步发挥政府性融资担保体系作用 加力支持就业创业

Core Viewpoint - The joint guidance issued by the Ministry of Finance, Ministry of Human Resources and Social Security, People's Bank of China, and Financial Regulatory Bureau aims to enhance the role of government financing guarantee systems in supporting employment and entrepreneurship, particularly for labor-intensive small and micro enterprises. Group 1: Support for Labor-Intensive Small and Micro Enterprises - The guidance proposes the establishment of a financing guarantee employment contribution index to quantitatively assess the annual employment impact of government financing guarantee institutions [2] - It emphasizes optimizing the allocation of financing guarantee resources based on employment contribution, with the National Financing Guarantee Fund considering this index when distributing re-guarantee credit limits [2] - A differentiated re-guarantee fee discount mechanism linked to employment contribution is to be implemented, with discounts of up to 20% for institutions with higher contributions [2] Group 2: Financial Product Innovation - The guidance encourages the development of specialized financial products aimed at labor-intensive small and micro enterprises, including loans for wage payments and support for businesses affected by tariffs [3] - It calls for reducing the collateral requirements for financing guarantees for small and micro enterprises that create significant employment, thereby lowering the barriers to financing [3] Group 3: Support for Key Groups in Entrepreneurship - The guidance encourages local governments to support college graduates and vocational school graduates in applying for entrepreneurial guarantee loans [4] - It mandates government financing guarantee institutions to provide guarantee services for entrepreneurial loans to various key employment groups, including graduates, veterans, and unemployed individuals [4] Group 4: Reducing Financing Costs and Increasing Efficiency - The guidance suggests exploring ways to reduce guarantee fees for eligible entrepreneurial loans and incentivizing banks to set reasonable interest rates [5] - It emphasizes the need to establish a fast-track mechanism for entrepreneurial loan approvals, promoting online business models and simplifying processes to expedite loan disbursement [6]