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自谋职业和自主创业是劳动者实现就业的重要途径。为解决有创业愿望、有创业技能而缺乏资金的下岗失业人员、城镇复员转业退役军人、其他城镇登记失业人员和高校毕业生对创业资金的需求,2002年以来,根据党中央、国务院发出的《关于进一步做好下岗失业人员再就业工作的通知》,各省市积极制定、出台了由政府拨款专项资金提供担保和贴息的一系列小额(担保)贷款政策,形成了具有各地地方特色的小额(担保)贷款政策体系。几年来,这项政策不仅为劳动者创造了新的就业岗位,而且还带动了更多的劳动者实现就业,政策促就业、创业促就业的效应得到了初步发挥。可以说,小额(担保)贷款是个民心工程,但是在小额(担保)贷款发放的过程中还存在一些问题,比如发放时限较短、覆盖范围较窄等,这些都需要进行及时的调整,应该在实践中不断地完善和推进。但奇怪的是,这项实实在在的民心工程,却好像鲜有人知。记者询问周围的亲戚朋友,几乎没有人知道小额(担保)贷款。那么,问题出在哪里呢?
Self-employment and self-employment is an important way for workers to achieve employment. In order to solve the demand for venture capital for start-ups who have entrepreneurial aspirations, laid-off workers with entrepreneurial skills and lack of funds, urban demobilization and retired veterans, registered unemployed persons in other cities and college graduates, since 2002, according to the “ Circular on Further Improving the Reemployment of Laid-off and Unemployed Workers, ”various provinces and municipalities actively formulated and promulgated a series of small-sum (guarantee) loan policies that provided guarantee and discount interest with special funds allocated by the government, and formed a small amount of loans with local characteristics all over the country (Guarantee) loan policy system. In recent years, this policy has not only created new jobs for laborers, but has also led to more laborers in obtaining employment, promoted employment through policies, and boosted employment through entrepreneurship. It can be said that a small amount of (guaranteed) loan is a popular project, but there are still some problems in the process of releasing small (guaranteed) loans. For example, the issuance period is short and the coverage area is rather narrow. All this needs to be adjusted in a timely manner. Should continue to improve and promote in practice. But what is strange is that this real project of popular feeling does not seem to be well known to anyone. Reporters asked around friends and relatives, few people know the small (guarantee) loans. So where is the problem?