下岗失业人员小额担保贷款,是我国政府于2002年底推出的扶持下岗失业人员再就业的重要政策。辽宁省从2003年开展小额贷款担保工作以来,在制度建设、基金筹集、体系建设和业务推动等方面均取得了一定成效。然而与振兴老工业基地的战略要求以及严峻的再就业形势相比,还存在不少问题,亟待采取对策加以解决。小额贷款担保实践中存在的问题1.政策理解不到位甚至有偏差。部分地区和部门没有从促进下 The laid-off workers’ micro-secured loans are the important policies that the Chinese government launched at the end of 2002 to support the reemployment of laid-off workers. Since carrying out the micro-loan guarantee in 2003, Liaoning Province has made some achievements in system construction, fund raising, system construction and business promotion. However, compared with the strategic requirements of rejuvenating the old industrial base and the severe re-employment situation, there are still many problems that need to be solved urgently. Problems in practice of microcredit guarantee 1. Policy understanding is not in place or even biased. Some regions and departments did not promote