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人民银行南平市分行武夷山营业管理部“三策”破解妇女创业融资难题
Zheng Quan Ri Bao· 2025-07-16 08:12
"行动队"深入调研、精准监测、高效对接,充分运用茶产业、旅游业景气度和融资监测情况,精准判别 女性创业群体存在"不敢找银行""不懂选择适配贷款"等问题。 于是,"行动队"主动沟通妇联,创建以"妇女微家"平台为核心,配套金融助理、贷款贴息政策、专属信 贷产品的"1+3"妇女创业融资帮扶机制。目前,"行动队"已累计对接全市170个"妇女微家",有效打通金 融服务"最后一公里",实现妇女创业金融主动上门服务机制。同时,联合武夷山市妇联成功举办"'金'帼 创业金融助力乡村振兴"妇女创业专场融资对接活动2场,促成意向融资8540万元。 以政策减负降低融资成本 人民银行南平市分行武夷山营业管理部(以下简称"武夷山营管部")自2024年5月挂牌成立以来,在人 民银行福建省分行指导下,深化"区域调查统计行动队"(以下简称"行动队")履职模式试点,以"金融 支持妇女创业"为履职突破口,迅速采取"三策",即平台破局、政策减负、机制护航,打出政策组合 拳,为妇女创业提供金融支持。 以平台破局打通融资堵点 "'行动队'是人民银行福建省分行为进一步守牢县域金融管理与服务阵地,主动探索履职创新的尝试, 目的是充分发挥县域营管部'探头'和 ...
广东“妇女创业小额贷”目前正计划继续设立第6期项目 15年来带动158万妇女创业就业
自2011年广东省政府批准设立妇女创业小额担保贷款贴息项目以来,省财政累计拨付专项资金1.7994亿 元实施了5期项目,其中第5期项目资金为3094万元。目前正在计划继续设立第6期项目。 7月14日,据广东省妇联消息,2011年广东省政府批准设立妇女创业小额担保贷款贴息项目,15年来, 该项目已直接受惠妇女15.8万人,间接带动158万名妇女创业就业。 妇女创业小额担保贷款贴息项目扶持的对象为具有广东省本地户籍、年龄在60岁以下、身体健康、诚实 守信、具备一定劳动技能和创业能力的妇女。其中,优先考虑致富带头人、高校毕业生、返乡创业农民 工、网络商户中有创业意愿和能力及项目的妇女;优先扶持参与实施"粤菜师傅""广东技工""南粤家 政"有关工作的妇女。对符合条件的妇女用于生产经营的创业贷款,省财政给予贴息。贷款期限一般为1 —2年。 在妇女创业小额担保贷款贴息项目的帮助下,茂名妇女杨梅把海鲜生意做到全国、妇女闫小灿的电商事 业壮大,带动周边100余户农户增收;韶关妇女宋道玉所在的合作社生产线升级后加工能力翻倍;云浮 妇女肖伙连延伸加工链条,每吨坚果可多创造8000元利润…… 妇女单户贷款额度最高为人民币10万元, ...
广东“妇女创业小额贷”15年带动158万妇女创业就业
Nan Fang Nong Cun Bao· 2025-07-15 04:02
Core Viewpoint - The "Women's Entrepreneurship Microloan" program in Guangdong has significantly supported women's entrepreneurship and employment over the past 15 years, benefiting 158,000 women directly and indirectly creating job opportunities for 1.58 million women [6][19]. Group 1: Program Overview - The program was established in 2011, providing subsidized microloans to women with local residency in Guangdong, aged under 60, and possessing certain labor skills and entrepreneurial capabilities [8][9]. - The maximum loan amount for individual women is 100,000 RMB, while exemplary women-led cooperatives can receive up to 300,000 RMB [13][15]. - The total funding allocated by the provincial government for this program has reached 1.7994 billion RMB, with 159 billion RMB in microloans disbursed over 15 years [17][19]. Group 2: Success Stories - Entrepreneur Yang Mei successfully expanded her seafood business with a 300,000 RMB microloan, enhancing production capabilities and establishing a sales network covering over 1,000 stores nationwide, achieving an annual output value of 10 million RMB [34][30]. - Song Daoyu, known as the "Ginger Queen," improved her cooperative's production efficiency and sales from 2.5 million RMB to over 5 million RMB annually after receiving a 300,000 RMB loan for equipment upgrades [50][51]. - Yan Xiaocan leveraged a 300,000 RMB microloan to enhance her e-commerce operations, resulting in a significant increase in sales and the training of over 300 individuals in e-commerce, benefiting more than 100 local farmers [72][70]. Group 3: Economic Impact - The program has created a multiplier effect in the local economy, enabling women entrepreneurs to contribute to agricultural modernization and rural revitalization [98]. - The financial support has led to increased production capacities and job creation, with significant growth in sales and profitability for various businesses involved in agriculture and related sectors [93][95].