小额担保贷款是以解决符合一定条件的待就业人员从事创业经营自筹资金不足的一项贷款业务，包括自谋职业、自主创业或合伙经营和组织起来创业的开办经费和流动资金。
完善收费、小额担保贷款政策，促进创业带动就业。
We improved the policies on charges and fees and on guaranteed small loans to encourage business startups in order to expand employment.
政府将不得不建立一个专门机构来为小额企业贷款提供担保。
The government will have to create a special agency to underwrite small business loans.
但是，一些向低收入人群提供贷款的小额信贷机构由于没有担保或担保额很小而面临越来越大的压力。
But some of the microfinance institutions that lend money to low-income people with no or little collateral have come under increasing pressure.
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