美国对小企业贷款的审计面临巨大挑战

美国政府正在发放约6,600亿美元贷款给小企业。如果借款的企业用这些贷款来留住或重新雇用员工，这些贷款是可以免除偿还的。小企业管理局SBA将负责确保企业履行此类义务，该机构通常依靠处理贷款申请的银行们对小企业贷款进行审计。不过，一位预算专家表示，银行没有太多的动力去调查，只会做最低限度的检查。对于获得这类贷款的企业来说，很有可能会试图舞弊，赌SBA会因为工作量太大，从而无法发现欺诈行为。

U.S. government is issuing about $660 billion in loans that can be forgiven if borrowers use them to retain or rehire employees. Small Business Administration will take the responsibility for ensuring that businesses fulfill such obligations and the agency normally counts on lenders/banks to audit the small business loans. However, a budget expert said the banks don’t have a lot of incentive to investigate and will do bare-minimum checks. For companies that receive such loans, it will be tempting to game the system, betting that SBA will be overloaded and therefore unable to detect fraud.   source

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