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下岗失业人员小额担保贷款政策自2002年出台以来,已有10年之久。当前,就业形势仍然严峻,为有效推动再就业工作,有必要客观审视并及时纠正基层政策执行中的偏差。人为设置反担保障碍。一是信贷审批额度被人为异化。按照小额担保贷款政策规定,其贷款额度应根据申请人经营项目的规模、经济实力、预期收益等内容来确定,而在实践过程中,不少担保机构是以反担保公职人员的职务级别来确定贷款申请额度的。二是反担保人员被区域化。
It has been 10 years since the laid-off workers’ micro-loan guarantee policy was introduced in 2002. At present, the employment situation is still grim. In order to effectively promote the reemployment work, it is necessary to objectively examine and correct the discrepancies in the implementation of grass-roots policies in a timely manner. Artificial counter-security barriers set. First, the amount of credit approval is artificially alienated. According to the provisions of the micro-secured loan policy, the loan amount should be determined according to the scale, economic strength and expected benefits of the project operated by the applicant. In practice, many guarantee agencies rely on the anti-guarantee level of public officials Determine the loan application limit. Second, counter-guarantee personnel are regionalized.