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下岗失业人员小额担保贷款工作是落实国家积极就业政策,帮助扶持就业困难人员实现创业带动就业的重要措施和手段。进一步规范失业人员小额担保贷款的业务管理,强化风险防范,促进社会诚信意识的建立和工作的可持续发展,建立完善统一的小额担保贷款个人信用等级评定标准,具有十分重要的意义。本文仅从小额担保贷款个人信用等级评定和使用参考标准的角度,就此略谈粗浅认识。
The work of providing small loans for laid-off workers is an important measure and means to implement the active employment policies of the country and help those in need to help them find jobs in order to start their own businesses. It is of great significance to further standardize the business management of micro-secured loans for unemployed people, strengthen risk prevention, promote the establishment of a sense of social honesty and sustainable development of work, and establish and improve the standard of individual credit rating for micro-secured loans. This article only from the micro-secured loans personal credit rating and the use of reference standard point of view, this is a superficial understanding.