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关于农业生产类论文范文资料,与小额担保贷款助推妇女创业就业相关毕业设计论文
本论文是一篇关于农业生产类毕业设计论文,关于小额担保贷款助推妇女创业就业相关专升本毕业论文范文。免费优秀的关于农业生产及妇女及女性方面论文范文资料,适合农业生产论文写作的大学硕士及本科毕业论文开题报告范文和学术职称论文参考文献下载。
ndthefinancialdepartmenttocarryoutamarketableoperation.Comparedwithothermicro-financesupportanizedbytheAll-ChinaWoman’sFederation,thispolicygavewomenspecialsupportinloanlimitandloancoverage.E.g.,Thesumofasingleloantowomenwasliftedfromnohigherthan10,000RMBtothemaximumof80,000RMB.Astopartnershipventure,thesumwasincreasedto100,000RMB.Theloancoverageexpandedfromunemployedcitizensandcitizenswhowerehardtofindjobstoruralwomenwhowereunabletosolvetheirbiggestdifficultiesintheirearly-stageentrepreneurship―fundshortage.
考虑到中国广大女性群体创业的积极性以及现实环境对女性创业的诸多制约,各级政府与相关部门本着鼓励女性自主创业的态度,开始纷纷策划与制定扶持、培育女性创业的优惠政策.其中,《关于完善小额担保贷款财政贴息政策,推动妇女创业就业工作的通知》为鼓励妇女创业就业留下了浓墨重彩的一笔.2009年7月,全国妇联协调财政部、人力资源和社会保障部、中国人民银行共同下发了《关于完善小额担保贷款财政贴息政策,推动妇女创业就业工作的通知》,出台了扶持妇女创业就业的优惠政策.据了解,此项政策是妇联组织推动国家政策层面首次明确将妇女作为政策受益主体,财政部门给予全额贴息支持,金融部门实行市场化运作的创业扶持政策.
有别于以往妇联组织实施的妇女小额信贷,这项政策在贷款额度、贷款覆盖等方面给予妇女特殊扶持.如,以前妇女单笔贷款金额一般都在1万元以内,这次将妇女个人最高贷款额度提高至8万元,合伙经营的人均提高至10万元,额度明显增加；政策覆盖面也由城镇失业人员和就业困难人员拓展至农村妇女.对广大农村妇女而言,创业初期面临的最大困难就是资金不足,妇女小额贷款解决了她们的燃眉之急.
NoticeableResult
妇女创业扶持政策成效显著
Sincetheimplementationin2009smallsecuredloansforwomenhavemaderemarkableachievement.Attheendofthefirstquarterin2013,smallsecuredloansforwomenhaveaccumulatedto137.461billionRMB,benefiting2.7977millionwomen.Moreover,thesubsidizedinterestfromcentralandlocalfinanceshasreached6.054billion,andhelpshundredsofthousandsofwomentostartcareers,widelygainingaffirmationfromall-levelauthoritiesandpopularityfromamajorityofwomen.
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WangXia,a38-year-oldordinaryruralwoman,livesinWanzivillageofLiaoquantowninLinzeCounty,ZhangyeCity,GansuProvince.In2010,shedevelopedasolargreenhouseforvegetableplantingwiththeaidof80,000RMBfromsmallsecuredloans,creatingnewmeanstobeewell-off.Consequently,shehaspletelychangedthepreviouslivingconditionof“feedingoncropplantingandbreedingpigsfortheNewYear’sDay”,andturnedtoarenownedfemalemoneymakerintheeyesoflocalresidentsinthevillage.Lookingbackatthehardshipsandstrugglesatthebeginning,Wangexpressedhergratefulness:“Itisthesmallsecurityloansthathelpsmerealizemypersonaldream！Now,IcanaffordtohavebuiltmyhouseandboughtacaronmyowneventhoughI’manordinaryfarmer.”
FromSeptember2009toMarch2013,acumulativesumof27.878billionofwomanmicro-financewasdistributedinGansuprovincetohelpwomentostartbusiness,benefiting640,000urbanandruralwomen.Gansurankedthefirstintermsofcumulativeloanamountandnew-addedloanquota.Meanwhile,tofullytaptheuseofwomanmicro-finance,Gansuputitsfocusofloansupportiveprojectsonbreeding,planting,agriculturalproductsandby-productprocessing,“HappyFarmhouses”andotherfeatureindustries,greatlyboostingtheconfidenceofruralwomenontheirabilitytogrowrichbythemselves.
WangJuyingfromXiuzhouDistrict,Jiaxingcity,Zhejiangprovinceisoneofthebeneficiariesofwomenmicro-finance.Shehadrunintocapitalshortagewhensettingupherembroideryworkshop.“Foralongwhile,mymoneycouldnotbecirculatedbackandmyworkerscouldnotbepaid.Fortunately,therewasthisloanpolicy.Iappliedforamicrodiscountloan.”Notonlydidshepayoffallthewagesinarreartoherworkers,herembroideryworkshopranbetterandbetter.Manylocallaid-offwomenworkersalsoregainedtheirpassionforwork.JiangsuBranchofAll-Woman’sFederationbineswomenmicro-financewithstart-upprojectstoencouragevillageofficialsofcollegegraduatestodevelopagriculturalproductionandhelpfarmerstogetrich.TherearemanyexemplaryfigureslikeLiuGuihua,whoplantedmelonsandPuJiqingwhoplantedberries,whosefruitsfoundgoodsaleinShanghai.Besides,TheAll-Women’sFederationalsobinesloanpolicywithprocessingonsuppliedmaterialsandencouragesmillionsofwomentobreakintothemarket.About800,000stay-backwomeninNorthJiangjuareengagedinapparel,headwear,knittingandotherhandcrafts,whichhelpsthemandtheirchildrentogrowwealthy.SunFuyingandBaoShu,twowomenentrepreneursinNanjing,savedtheirfactoriesaftertheyreceivedwomanmicro-financesupportwhenconfrontedwithfinancialcrisis.Theysaidthatthewomanmicro-financegavetheirfactoriesachancetobreathe.Hundredsofwomengotridofunemployment.
Tobetterunderstandthesituation,effect,problemsandrequirementsoftheimplementationofmicro-financediscountpolicyforwomen,in2012,theAll-WomanFederationmissionedHuakunWomenLifeResearchCentertodoaresearchbyquestionnairesontensofthousandsofwomenbeneficiaries.Astothequestionnaireof“theusageandeffectofloans”,breeding,plantationandprocessing(includingmerceandserviceindustry)accountedfor98.3%.94%ofthebeneficiariessaidthattheywereabletopaybacktheloaninduetime.Andmost
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