Why Is There A Cold Reception For Laid-Off And Unemployed Small Loans?

In order to encourage laid-off and unemployed people to seek their own jobs and start their own businesses, Zhangzhou issued the Interim Measures for the management of small loan guarantees for laid-off workers in Zhangzhou at the end of last year, stipulates that laid-off and unemployed people who have been offered re employment permits can apply for a small guarantee loan of about 20 thousand yuan per person.

However, more than half a year later, the reporter learned from the Zhangzhou labor and Social Security Bureau: as of mid July of this year, only 15 of the laid-off workers in municipal and Xiangcheng District and Longwen district have applied for loans, and no one has received loans.

Why is that?

Lin Liying was living in a street house at the foot of the centipede hill in downtown Zhangzhou. He wanted to open a daily necessities shop because he was laid off at home.

I heard that laid-off workers could apply for a small guarantee loan of around 20 thousand yuan, and Ms. Lin decided to apply.

She first came to the yuan Guang sub branch of the Zhangzhou branch of the Industrial Bank, which designated the small loan, and received the "application form for small loans for laid-off workers".

Then, the West Bridge labor security office went to the community neighborhood committee to verify its actual situation, and endorsed the recommendation after publicity.

Next, according to the affiliation, Ms. Lin submitted the application form to the Zhangzhou labor and Social Security Bureau in May 21st. After examination, she came to Societe Generale with the application form. The bank staff told her that she needed to go to the Guarantee Corporation to do the insurance procedures again before she could get the loan.

In order to make this 20 thousand yuan small loan, Ms. Lin has been running around for several months, and has been running around for 2 months.

Chen Guang Chang, a branch of the yuan Guang North Branch of Xingye Bank, admitted that as the only institution to accept the small loans of laid-off and unemployed persons in Zhangzhou branch of Xingye Bank, until July 16th, they had not yet issued a small loan. One of the reasons was that many laid-off and unemployed people suspected that the loan application was too cumbersome and gave up halfway.

The loan threshold is too high. Wu River is a laid-off worker in a large state-owned enterprise in Zhangzhou. Because he had worked as a hardware repairman in a factory, he wanted to set up a hardware repair shop after he was laid off. However, he was forced to make money by doing odd jobs on account of the lack of start-up capital.

In April 27th of this year, his application for microfinance was approved by the municipal labor and Social Security Bureau.

However, when he went through the complicated procedures of examination and approval and went to the Guarantee Corporation to handle the guaranty formalities, Guarantee Corporation asked him to go through the "counter guarantee" procedure according to the regulations.

At that time, Xiao Wu realized that to get the loan, he needed to apply for "counter guarantee". He should ask himself for an anti guarantee by an enterprise or a natural person with a guarantee strength, and should have a pledge or pledge document, or a mortgage of fixed assets or securities such as a full house.

This is enough to make Xiao Wu stumped: if you can find friends and relatives who are willing to provide "counter guarantee", do you still need this 20 thousand yuan small loan?

Simply looking for them to borrow money, after several twists and turns, Xiao Wu finally had to give up the loan application.

It is understood that many laid-off and unemployed people who apply for small loan guarantees are deterred by the "counter guarantee".

Because most of the laid-off and unemployed people who are eligible for loan conditions are difficult workers who have no living security and no borrowing channels, it is difficult to find guarantor or provide effective property guarantee.

Zhu Yunlong, an Assistant Investigator in charge of the work of the Zhangzhou labor and Social Security Bureau, told reporters: Recently, the Zhangzhou municipal government has convened labor protection, finance, banking and other related departments to conduct thematic research, so as to make this policy more operational and effective.

On the one hand, we should streamline loan guarantee and approval procedures, reduce the threshold of "counter guarantee", accelerate the progress of audit and allocation of various financial subsidy funds, and ensure that funds are allocated on time.

On the other hand, laid-off workers should be encouraged to carry out partnership management, and for laid-off workers to organize small businesses, the loan scale should be appropriately expanded according to the number of workers.

Zhu Yunlong believes that in order to truly implement the policy of helping small businesses with laid-off workers, we need to vigorously publicize the role, nature and significance of small loans among the laid-off and unemployed people. On the other hand, we need relevant departments to simplify procedures as much as possible, and provide more guidance for laid-off workers, so that small loans can play a positive role in promoting re employment.