最近,国家出台了《下岗失业人员小额担保贷款管理办法》。这为下岗失业人员提供了一条新的融资途径。那么,哪些下岗失业人员最适合借用小额担保贷款呢?经分析,目前有如下三类下岗失业人员借用小额担保款最为适宜。一类是已着手创业,但尚有资金缺口的下岗失业人员。这些人已有了自己的创业计划,并开始了付诸实践。但由于各种原因,创业运作资金还不足。这时,下岗失业人员小额担保贷款正好可以弥补他们的资金缺口。二类是有微利创业项目但缺启动资金的下岗失业人员。这些人有较好的微利创业计划和项目,而且只需小额的启动资金。但由于经济上的弱势,既无自有资金,又无亲朋好友可借款,向银行借款,条件也不具备,因此一直苦于没有启动资金。这种情况下,借用下岗失业人员小额担保贷款最适合,因为2万元的贷款足以满足于启动微利创业项目,又因《下岗失业人员小额担保贷款管理办法)有“对从事微利项目的小额担保贷款由中央财政据实全额贴息(但贷款展期不贴息)”的规定,从而可以不用支 Recently, the state promulgated the Measures for the Management of Small Guaranteed Loans for Laid-off Workers. This provides laid-off workers with a new financing channel. So, which laid-off workers are most suitable for borrowing small secured loans? According to the analysis, the following three types of laid-off workers are the most suitable for borrowing small amount of collateral. One is laid-off workers who have embarked on business but still have funding shortfalls. These people already have their own business plans, and began to put into practice. However, due to various reasons, venture capital funds are not enough. At this moment, the micro-secured loans for laid-off workers can make up for their funding shortfall. The second category is a meager profit venture but the lack of start-up funds laid-off workers. These people have better low-profit business plans and projects, but only a small start-up capital. However, due to the economic weakness, neither funds nor friends or relatives can borrow money from banks and the conditions are not met. Therefore, they have been suffering from lack of funds for starting up. Under this circumstance, it is most suitable to borrow small secured loans from laid-off workers because a loan of 20,000 yuan is sufficient to start a low-profit venture project and because of the Measures for the Administration of Micro-secured Loans for Laid-off Workers, Of the small secured loans by the central government actually full discount interest (but the loan extension does not discount) ", so you can not support