The Research On Taiyuan Policy Small Uarantee Loans

Policy small guarantee loan is a policy financial support by thegovernment to help entrepreneurs start. Local governments allocatedguarantee funds and commissioned security center to operation, banksprovide loans to meet the requirements of the business. The system hasmany problems in practical operation, as well as guarantee funds shouldnot have played amplification, hindering the social benefits. This paperdescribes the development process of small guarantee loans in Taiyuan andoperation of the status quo on the basis of reality, standing in thegovernment, banks, security center, such as the borrower’s point of viewthe main problems were analyzed and revealed the reason, the finalrecommendations for strengthening the small the amount of secured loansbusiness.In the small business secured loan, the government is the core,and banking policy is the ultimate perpetrators. Improve the bank’s policyto implement the initiative is the key. I proposed to support the bank’sdeposits, interest subsidies paid in time to ensure such measures toencourage banks to mobilize the enthusiasm. Small secured loans areusually targeted to vulnerable groups; disadvantaged groups often havelarger loan risk. Though many ways such as made entrepreneurship training,improved skills of the borrower, project selection, apply appropriateguarantee model to appropriately reduce the risk of loans. It should beclearly aware of the funding needs of entrepreneurial groups of personnelshould not be met in full but in part. This will reduce the guarantee risk,insurance guarantee funds can be sustained, most of the other business needother policies support.According to the characteristics of the study, the article in the courseof the study will be normative analysis, quantitative analysis of the ways. The major analysis are actual situation of small loans，the problems andcauses in Taiyuan while taking a case analysis, through research the actualsituation of Taiyuan small loans of policy, analyze causes, propose specificmeasures to promote small loans Taiyuan policy work and theentrepreneurial process of entrepreneurs.