【摘要】 小额担保贷款主要是根据国家有关促进就业政策,针对符合贷款条件的创业人员在自谋职业、自主创业或合伙经营与组织起来就业过程中面临的资金困难,由各级政府设立小额贷款担保基金,经指定担保机构承诺担保,通过银行发放并由政府给予一定贴息扶持的政策性贷款。本文通过探索政策性小额担保贷款模式,促进大连市小额担保贷款工作有序进行,以创业带动就业,有利于发挥创业的就业倍增效应,调动劳动者创业的积极性和主动性,同时也为劳动密集型小企业扩大生产、增加就业岗位创造条件,对缓解就业压力具有重要的现实意义。更多还原

【Abstract】 Small guarantee loans are small loan guarantee funds set up by all levels of governments,guaranteed by the designated guarantee agency and issued by banks,as well as a kind of policy-based loans supported by the Government by granting a certain amount of discounts for entrepreneurs who meet the loaning conditions in their self-employed,independent business or partnership or organization to deal with their financial difficulties during employment based mainly on national employment promotion policies.In this paper,by exploring the mode of policy-based small guarantee loans,it is of great practical significance to promote small guarantee loans in Dalian in an orderly manner,drive employment by entrepreneurship,give play to the job multiplier effect from entrepreneurship,mobilize the enthusiasm and initiative of the workers,create conditions for small labor-intensive enterprises to increase productivity and employment opportunities,and alleviate the employment pressure.更多还原