小额担保贷款是解决下岗失业人员、大中专毕业生、复转军人、农村进城创业劳动者等人员就业再就业问题的一项重大举措。但在实施的过程中出现了许多问题,笔者简要分析了问题原因并提出良好建议。 Micro-secured loans are a major move to solve the employment and reemployment problems for laid-off workers, college graduates, reinstatement of military personnel, and start-up workers in rural areas. However, many problems appeared in the process of implementation. The author briefly analyzed the causes of the problems and put forward some good suggestions.