下岗失业人员小额担保贷款(简称小额担保贷款),作为落实积极就业政策的一个重要部分,已经越来越得到社会各界重视,并显现出实实在在的效果。本文是笔者在实践中就如何进一步规范操作,特别是针对小额担保贷款的受理、审核等环节需要把握的要点,作以初浅探讨。 As an important part of the implementation of the active employment policy, the laid-off workers’ small-sum secured loans (referred to as micro-secured loans) have gained more and more attention from all sectors of society and have shown real results. This article is the author in practice how to further regulate the operation, especially for the acceptance of small loans, audit and other links need to grasp the key points for a brief discussion.