中国人民银行会同财政部、国家经贸委、劳动和社会保障部共同制定了《下岗失业人员小额担保贷款管理办法》(以下简称《办法》)。《办法》规定,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。小额担保贷款金额一般掌握在两万元左右,还款方式和计结息方式由借贷双方商定,对下岗失业人员合伙经营和组织起来就业,可根据人数,适当扩大贷款规模。贷款期限一般不超过两年,借款人提出展期且担保人同意继续提供担保的,商业银行可以按规定展期一次,展期期 The People’s Bank of China, in conjunction with the Ministry of Finance, the State Economic and Trade Commission and the Ministry of Labor and Social Security, jointly formulated the Measures for the Management of Small Guaranteed Loans for Unemployed Unemployed Workers (hereinafter referred to as the “Measures”). The Measures stipulate that any unemployed person who is laid-off, self-employed, self-employed or partnership and organized for employment under the age of 60, who is healthy, honest and trustworthy, and possesses certain labor skills, Under the premise that the loan guarantee institution promised guarantee, it may apply for a small secured loan to the commercial bank or its branch with the “Re-employment Preferential Card” issued by the labor and social security department. Generally speaking, the amount of small loan guarantees is about 20,000 yuan. The repayment method and settlement method are agreed upon by the lenders and the borrowers. For those laid-off workers who are employed and managed for employment, the loan size can be appropriately expanded according to the number of people. Loan period is generally not more than two years, the borrower proposed extension and the guarantor agreed to continue to provide security, commercial banks may be required to be extended once, the exhibition period