就业是民生之本。国家积极就业政策的实施,为改善民生和促进创业带动就业产生了积极的影响。近年来,作为落实积极就业政策的一个重要部分,在有效解决创业者资金“瓶颈”问题方面,小额担保贷款工作在各地的深入开展,已经越来越显现出实实在在的效果。但是,在实践中如何进一步规范失业人员小额担保贷款的业务管理,促进社会诚信,降低和有效防范贷款金融风险,已经成为值得我们认真思考的问题。本文仅从小额担保贷款个人信用档案建立和使用的角度,以规范和指导具体操作为目的,结合工作实际作初浅探讨。 Employment is the foundation of people’s livelihood. The implementation of the state’s active employment policy has had a positive impact on improving people’s livelihood and promoting entrepreneurship-driven employment. In recent years, as an important part of the implementation of the active employment policy, the micro-secured loan work has been increasingly carried out in various places in an effective manner to solve the problem of “bottlenecks” of entrepreneurship. This has shown more and more real results. However, in practice, how to further standardize the business management of the micro-secured loans for the unemployed, promote social integrity, and reduce and effectively prevent the financial risks of lending has become a question that deserves our serious consideration. In this paper, only from the perspective of the establishment and use of personal credit files for small secured loans, with the purpose of standardizing and guiding specific operations, this article first discusses the actual work.