1. Insufficient capital. Capital is a "firewall" to effectively resist business risks. The amount of capital reflects the ability of the guarantee company to guard against risks. The state expressly stipulates that the paid-in capital of a guarantee company shall not be less than 1 100 million yuan. At present, the average capital of guarantee companies is only 05 million, and there is still a gap of 50 million. This also reflects that the guarantee ability of the guarantee company is low, and once there is a big business risk, it will bring a fatal blow to the guarantee company. Due to the small scale of funds, only about 1% of laid-off workers enjoy the support of small loans.
Second, the compensation mechanism is not perfect. Guarantee companies are high-risk industries, and it is difficult to prevent and resist business risks by their own accumulation. According to the national regulations, local governments should establish a system to write off the compensation losses of credit guarantee institutions for small and medium-sized enterprises, and approve appropriate compensation funds for compensation losses of guarantee institutions, which should be included in the fiscal budget of that year. It is understood that the write-off and compensation mechanism has not yet been established. Small secured loans for laid-off workers in many places have not been put in place to make up for the losses.
Third, the tax policy is unfair. A guarantee enterprise is a financial service institution. According to the financial system of national financial enterprises, the loan loss reserve can be withdrawn before tax, while according to the current tax policy, the risk reserve and unexpired liability reserve of guarantee enterprises can only be withdrawn after tax. The two financial services companies implement different tax policies. According to the survey, according to the existing business volume, SME guarantee companies have to pay unfair enterprise income tax of more than 1 10,000 yuan every year, which is undoubtedly "worse" for the guarantee industry that has just started.
Fourth, the support target is incomplete. The state stipulates that "small enterprises that newly employ more than 30% employees with re-employment concession cards in that year can get a maximum discount loan of 1 10,000 yuan". Therefore, small enterprises are generally reluctant to absorb laid-off workers from non-state-owned enterprises without re-employment concession cards, which will also have a certain impact on the re-employment of such people; On the other hand, according to the policy, the "re-employment concession card" is only issued to laid-off workers of state-owned enterprises. Although its scope has now been extended to active servicemen, laid-off workers from non-state-owned enterprises are still unable to obtain credit support because they cannot get a "re-employment concession card".
Five, the scope of financial discount is not wide. At the beginning of 2006, the People's Bank of China, the Ministry of Finance and the Ministry of Labor and Social Security jointly issued the Notice on Improving and Perfecting the Policy of Small Guaranteed Loans, which still limited the scope of discount to small secured loans for low-profit projects, but did not implement discount for non-low-profit projects, which affected the enthusiasm of laid-off workers to apply for loans and start businesses. At present, the investment of small secured loans is mainly limited to the tertiary industry such as catering, non-staple food and cleaning, which is not conducive to broadening the scope of assistance and expanding the re-employment channels for laid-off workers.