| 激励不足:下岗失业人员小额担保贷款的运行壁垒 |
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| 引用本文： | 侯强. 激励不足:下岗失业人员小额担保贷款的运行壁垒[J]. 当代经济管理, 2008, 30(3): 74-76 |
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| 作者姓名： | 侯强 |
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| 作者单位： | 东北财经大学,产业组织与企业组织研究中心,辽宁,大连,116025;沈阳工业大学,管理学院,辽宁,沈阳,110023 |
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| 摘 要： | 小额担保贷款是促进再就业的有效途径之一,但由于其在运行中贷款对象的经营能力与贷款期限的不对称,贷款人的收益与风险的不对称,担保机构的责任与收益不对称,使得三个利益主体都存在激励不足,小额担保贷款在很多地区没能发挥预期作用.针对这一现象,文章作者提出相应的对策以促进小额担保贷款业务的开展,进而从根本上发挥其促进再就业的作用.
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| 关 键 词： | 下岗失业 担保贷款 激励不足 |
| 文章编号： | 1673-0461(2008)03-0074-03 |
Insufficient Incentive: Barriers to the Operation of Micro-loan Scheme for Laid-off Workers |
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| Hou Qiang. Insufficient Incentive: Barriers to the Operation of Micro-loan Scheme for Laid-off Workers[J]. Contemporary Economic Management, 2008, 30(3): 74-76 |
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| Authors: | Hou Qiang |
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| Affiliation: | Hou Qiang1,2(1.Dongbei University of Finance & Economics,Dalian116025,China,2.Shenyang University of Technology,Shenyang 110023,China) |
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| Abstract: | Micro-loan scheme for laid-off workers is one of the effective ways in promoting reemployment.However,with the asymmetry between prospective borrowers' management and loan terms,between creditors' profit and risk,and between guarantee agences' responsibility and benefit during its operation,the expected function of micro-loan scheme has not come into being.This paper intends to put forward some corresponding solutions to the above phenomenon with the aim of promoting the operation of micro-loan scheme,which... |
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| Keywords: | laid-off workers guarantee loan insufficient incentive |
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