That's why we have proposed a new National Loan Guarantee Scheme to get lending going.
Almost 30m people have benefited from the government's chief public-works project, the National Rural Employment Guarantee Scheme (NREGS).
And then there's the NewBuy guarantee scheme, known as MI New Home in Scotland, which started a year ago.
They would also like to see a joint bank deposit guarantee scheme and a fund for winding down banks.
He wants a European banking union that contains a joint deposit guarantee scheme.
The debt-guarantee scheme is due to expire in October but may be extended.
Both want to expand an existing government loan-guarantee scheme and to set tougher net lending targets for the nationalised banks.
ECONOMIST: Two views on new banking rules are better than one
Liberal Democrat AM Peter Black also called on the government to introduce a mortgage guarantee scheme for first time buyers.
That's why they proposed tax cuts for savers and are pushing a National Loan Guarantee Scheme to help the banking crisis.
Former Labour Treasury Minister Lord Barnett asks about the government's new loan guarantee scheme, announced to his displeasure, in a written statement.
But shadow chancellor Ed Balls has criticised Mr Osborne for not ruling out second home sales as part of the guarantee scheme.
The National Loans Guarantee Scheme achieved just 15% of its intended take-up.
BBC: Treasury attempts to boost lending have 'failed', MPs say
The NewBuy mortgage guarantee scheme is backed by the government and is aimed at promoting the sale of newly built homes in England.
BBC: Mortgage market boosted by lending schemes, says Redrow
However Mr Black welcomed an announcement on a mortgage guarantee scheme for first-time buyers, agreed with the Lib Dems as part of budget negotiations.
The Air Travel Organisers' Licensing (ATOL) scheme licenses tour operators and travel organisers, and requires them to take part in a financial guarantee scheme.
It promises to slash corruption in India's multi-billion dollar rural jobs guarantee scheme by paying salaries through bank accounts linked to the identity number.
There is - under development - a youth guarantee scheme, where after four to six months without work there will be the promise of training or an internship.
This starts on 1 April 2013 and will help people who want to buy a new-build property in England only, unlike the mortgage guarantee scheme, which will be UK-wide.
Other questions were on the recent escalation of violence in Nigeria, when the Chilcot committee will report on the admissibility of intercept evidence, and how the government's loan guarantee scheme will work.
They reveal discussions about how the credit guarantee scheme - a government scheme created in 2008 to help get credit to small and medium-sized businesses - would "allow Libor to fall quicker" than it otherwise would.
Religious tempers had been calmed, government functioning made more transparent (through the right to information law), and a series of welfare measures for the rural poor (pre-eminently, the Mahatma Gandhi National Rural Employment Guarantee scheme) initiated.
The BBC's chief political correspondent, Norman Smith, said Treasury officials were trying to work out a definition of the rules surrounding eligibility for the mortgage guarantee scheme that allowed parents to buy a home for their children but not to buy a holiday home.
Vadera says she cannot recall speaking to anyone at the Bank about the rate but she did talk with bankers about a policy change (altering the price of the government's Credit Guarantee Scheme as I wrote yesterday) to get the LIBOR rate down overall.
At the same time, there has been some press speculation that the business bank may, ultimately, simply be an amalgamation of the current range of government-backed financial support schemes for companies, such as Funding for Lending, Enterprise Capital Funds and the Enterprise Finance Guarantee Scheme.
Read the details of today's guarantee scheme, and you see it has been written by an organisation determined not to take on one jot of unnecessary risk - and equally determined that private sector contractors not get a penny more than they need, even if the pennies in question are not going to show up in the public accounts.
But the Bank of England seemed pretty uptight about all this - and, I understand, the issue of whether taxpayers will guarantee the scheme is not definitively settled.
The guarantee implied in a typical defined-benefit scheme is not the sort of risk that a company should be expected to incur.
Tiny Ireland, with its oversize banks, has just augmented its insurance scheme by giving a blanket government guarantee to bank deposits and liabilities.
The scheme expands Labour's existing jobs guarantee proposal which has up to now only covered 16-24 year old job-seekers.
It is not known how many of the local awards have been withdrawn, but according to those who have helped administer the scheme the bonuses come with a virtual "lifetime" guarantee.
应用推荐