政策性优惠贷款落实机制研究——基于福建省财政的实践与思考

Research on the Implementation Mechanism of Policy Concessional Loans——Practice and Think on Finance in Fujian Province

政策性优惠贷款在于帮助特定群体筹集资金、降低成本。财政贴息组合不同的工具,运用不同的程序性规定,使得政策性优惠贷款产生不同的执行效果。实践中,一些政策性优惠贷款无法快速精准识别支持对象,没有合理配置担保资源,没有灵活运用财政贴息方式,未能充分发挥监督检查、绩效评价作用,导致政策执行效果不佳。为此,建议运用信息化手段精准认定支持对象,充分调动各方积极性科学配置担保资源以分担风险,灵活运用财政贴息方式,合理分担贴息责任,增强监督检查、绩效评价实效,让政策性优惠贷款更好执行到位,有效支持企业。

Policy concessional loans aim to help specific groups raise funds and reduce costs.Financial dis-count makes policy concessional loans have different implementation effects by combining different tools and applying different procedural regulations.In practice,some policy concessional loans cannot quickly and accu-rately identify the support targets,lack of reasonable allocation of guarantee resources,lack of flexible use of fi-nancial discount subsidy methods,insufficient supervision and inspection and performance evaluation func-tion.All of these result in poor policy implementation results.The author suggest using information technology to assist in accurately identifying support targets,fully mobilizing the enthusiasm of all parties,scientifically al-locating guarantee resources and sharing risks,flexible using of financial discount subsidy methods,reasonable sharing of discount responsibility,strengthening supervision and inspection,effectiveness of performance evalu-ation.All of these will ensure better implementation of policy concessional loans and effectively support enter-prises.