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    万名妇女小额担保贷款财政贴息政策实施状况调查分析报告

    摘要

    妇女小额担保贷款财政贴息政策改变了受贷妇女的生活。被调查者平均贷款5。2万元,84。6%是全额贴息,主要用于发展种植、养殖和加工业/商业/服务业。贷款主要“解决了创业启动资金不足”的困难,使71。5%的家庭年收入增加。94。0%的被调查者表示能够按期还贷。对妇联在此项贷款中的工作感到满意的占94。1%。妇女小额担保贷款使被调查者感到“家庭创业致富有希望了”“自身素质和能力提高了”“夫妻关系更加和谐了,家人之间更加和睦了”,同时吸引部分外出打工的丈夫、子女回家共同经营。71。5%的被调查者需要继续贷款。她们希望延长贷款期限、实行担保方式多样化,得到贷款指导、技术培训和项目推荐等服务。 <<
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    Abstract

    Small credit loan for women and government subsidy policy has changed women's life. Women interviewees on average borrow 52000 Yuan, 84.6 percent enjoy full government subsidy on interest payment. They use the money to develop planting, breeding, processing as well as other business. Loans help solve the problem of not having enough capital to start a business, and this has helped 71.5 percent families increase their annual income. 94 percent interviewees are confident they can pay the loans back on time. The majority, 94.1 percent, are satisfied with women federations' handling of small credit loan business. The loans make women see their rich future with family business. They feel their self quality and capability has been improved, their relationship with their husbands and other members of the family has also been improved. This has also attracted some farmers working away from home back to their home and begin to help their family business. They hope loan period can be extended and guarantee methods can vary.71.5 percent women want to continue the loan. They also hope to get services such as loan guidance, technology training and project recommendations. <<
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    作者简介
    全国妇联妇女发展部:执笔:时正新,经济学学士,华坤女性消费指导中心副理事长、华坤女性生活调查中心副理事长,研究员、教授,致力于生态经济学和消费经济研究。数据分析处理:宓小雄,中国社会科学院社会学所研究员,博士。
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