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在整体工作进展较快的河南省,濮阳市作为一个非重点联系城市,贷款工作启动较晚。但由于该市能够结合自身实际,以狠抓还款率为核心,始终坚持“以贷款回收保证发放,以贷款回收促进发放”的工作思路,严格贷前审核到位,深化贷后管理服务,规范基础工作扎实到位,稳步推进小额贷款工作实现良性循环,很好地发挥了推动创业促进就业作用,取得明显成效。2006、2007年,贷款发放完成目标任务比例和还款率两项指标均居全省第一,并于2006年底在全省较早实现了1:5发放。2007年,小额担保贷款直接扶持创业和带动就业人数占全市实现再就业的下岗失业人员人数的47.5%。其做法,特别是“以贷款回收保证发放,以贷款回收促进发放”的工作思路,对于处理贷款发放与回收关系存在难点、贷款回收率较低的地区很有借鉴意义。
In Henan Province, where the overall work progressed rapidly, Puyang City, as a non-key contact city, started its loan work later. However, due to the fact that the city is able to pay close attention to the repayment rate and adhere to the principle of issuing repayments of loan guarantees and promoting the issuance of loans through strict compliance with the repayment rate, the city strictly controls the loan repayment and deepens the post-loan management service , A solid foundation for normative work was put in place, and a steady spiral was made in the implementation of the micro-credit lending to achieve a virtuous circle. The role of promoting employment in promoting employment was well achieved and remarkable results achieved. In 2006 and 2007, the two targets of the proportion of loans and the completion of the target tasks and the repayment rate ranked the first in the whole province and were released at a ratio of 1: 5 earlier in the province by the end of 2006. In 2007, the amount of small-sum guaranteed loans directly supporting entrepreneurship and employment led to 47.5% of the total number of laid-off workers who were re-employed in the city. In particular, the work train of thought of “granting loan recovery guarantee and promoting loan recovery with loan recovery” is very useful for dealing with the difficulties in the relationship between loan disbursement and recovery and the low loan recovery rate.