刚刚！央行等部门，重磅发布！

Core Viewpoint - The document outlines the government's new guidelines aimed at enhancing the role of the government financing guarantee system to support employment and entrepreneurship, focusing on labor-intensive small and micro enterprises and key groups in need of support [1][2]. Group 1: Support for Labor-Intensive Small and Micro Enterprises - The guidelines propose the establishment of an employment contribution index for financing guarantees to quantitatively assess the impact of government financing guarantee institutions on job creation [2][3]. - A resource allocation mechanism based on employment contribution will be developed, with the national financing guarantee fund considering employment contribution as a key factor in distributing re-guarantee business credit limits [2][3]. Group 2: Financial Product Innovation - The guidelines encourage the development of specialized financial products aimed at labor-intensive small and micro enterprises, including loans for maintaining employment and innovative financial solutions for paying employee wages [3][5]. - The document emphasizes reducing the barriers for financing guarantees by minimizing collateral requirements for small and micro enterprises that create significant employment [3][5]. Group 3: Support for Key Groups in Entrepreneurship - The guidelines advocate for supporting key demographics, such as recent graduates and veterans, in applying for entrepreneurial guarantee loans, ensuring equal access to financing for various groups [4][5]. - Government financing guarantee institutions are encouraged to provide guarantee services for entrepreneurial loans to eligible individuals and small enterprises, particularly those in their initial stages [4][5]. Group 4: Reducing Financing Costs and Improving Efficiency - The guidelines suggest exploring ways to reduce guarantee fees for eligible entrepreneurial loans and incentivizing banks to set reasonable interest rates [5]. - A mechanism for rapid processing of entrepreneurial guarantee loans is proposed, aiming to streamline approval processes and enhance the speed of loan disbursement [5].