财政部等四部门发布《指导意见》引导政府性融资担保加力支持就业创业

Core Viewpoint - The recent guidance issued by the Ministry of Finance, Ministry of Human Resources and Social Security, People's Bank of China, and the Financial Regulatory Administration aims to enhance the role of government financing guarantee systems in supporting employment and entrepreneurship [1][2]. Group 1: Overall Requirements - The guidance emphasizes the integration of service to the real economy with employment support, the organic unity of policy guidance and market operations, and the balance between innovative development and risk prevention [1]. - Government financing guarantee institutions and banks are encouraged to innovate financial products and service models, leveraging technology to create convenient online inclusive financing products for small and micro enterprises [1]. Group 2: Specific Measures - The guidance includes 14 specific measures across four areas, focusing on supporting labor-intensive small and micro enterprises, aiding key groups in entrepreneurship, enhancing information sharing, and strengthening organizational implementation [1]. - A notable measure is the establishment of a financing guarantee employment contribution index to guide the allocation of guarantee resources, along with differentiated re-guarantee fee discounts for labor-intensive small and micro enterprises [1]. Group 3: Support for Key Groups - The guidance highlights support for key employment groups, encouraging local governments to assist recent and past university graduates in applying for entrepreneurial guarantee loans [2]. - Government financing guarantee institutions are tasked with providing guarantee services for eligible graduates, individuals facing employment difficulties, and veterans, particularly focusing on early-stage entrepreneurial small and micro enterprises [2]. Group 4: Data Sharing and Digitalization - The guidance calls for the establishment of a cross-departmental data sharing mechanism and the optimization of digital platform construction [2]. - The National Financing Guarantee Fund is set to enhance the management service platform for government financing guarantee business, utilizing big data on employment numbers and social security contributions to shift financing services from experience-driven to data-driven [2].