关注小额信贷的“零担保”。 在现阶段政府担保基金注入有条件、有要求的情况下,推动下岗失业人员小额担保贷款工作,必须在反担保上下功夫。借鉴国外经验,应鼓励地方积极探索,实行联保、信用保证等多种措施,逐步取消反担保,最终实现城市小额信贷的“零担保”。 Concerned about microfinance “zero security ”. At the present stage, when the government guarantee fund is injected into the state with conditions and requirements, it is imperative to work on the counter-guarantee to promote the small-sum guaranteed loan for the laid-off and unemployed people. Draw lessons from foreign experience, local governments should be encouraged to actively explore and implement various measures such as UNPROFOR, credit guarantee and so on, and gradually eliminate counter-guarantee and finally realize “zero guarantee” of urban microfinance.