第一条 贷款的对象和条件。凡年龄在60岁以内,身体健康、诚实信用、具备一定劳动技能的下岗失业人员,自谋职业、自主创业或合伙经营与组织起来就业的,其自筹资金不足部分,在贷款担保机构承诺担保的前提下,可以持劳动保障部门核发的《再就业优惠证》向商业银行或其分支机构申请小额担保贷款。 第二条 贷款的程序和用途。小额担保贷款按照自愿申请、社区推荐、劳动保障 The first loan object and conditions. Where the age of 60 years of age, good health, honesty and credit, laid-off workers who have certain skills, self-employment, self-employment or partnership and organize employment, the self-financing part of the loan guarantee agencies promised to guarantee Under the premise of the labor and social security department can grant the issuance of “re-employment discount card” to the commercial bank or its branches apply for small secured loans. The second loan procedures and purposes. Small secured loans in accordance with voluntary application, community recommendation, labor protection