The government's support policies for small and medium-sized enterprises are:
(1) Increase financial support.
(2) Implement and improve preferential tax policies.
(3) Further reducing the social burden of small and medium-sized enterprises.
(four) policies and regulations to support small and medium-sized enterprises to accelerate technological transformation.
The so-called small and medium-sized enterprises refer to enterprises established in People's Republic of China (PRC) according to law, which are conducive to meeting social needs, increasing employment, and conforming to national industrial policies, and their production and operation scale belongs to various ownership and forms of small and medium-sized enterprises.
Its classification standard is formulated by the competent department of the State Council enterprises according to the number of employees, sales, total assets and other indicators, combined with the characteristics of the industry. This kind of enterprise can usually be funded by one person or several people, and the employment and turnover are not large. Therefore, most of them are directly managed by the owners and are less disturbed by the outside world.
Legal basis:
The State Council's Opinions on Supporting the Healthy Development of Small and Micro Enterprises
First, give full play to the guiding role of the existing special funds for small and medium-sized enterprises, and encourage local small and medium-sized enterprises to support small and micro enterprises. (Ministry of Finance, Development and Reform Commission, Ministry of Industry and Information Technology, Ministry of Science and Technology, Ministry of Commerce, State Administration for Industry and Commerce and other departments are responsible)
Two, conscientiously implement the preferential tax policies that have been introduced to support small and micro enterprises, and study and introduce policies to continue to support according to the needs of the development of the situation. Small and micro enterprises engaged in projects encouraged by the state to import advanced equipment that cannot be produced in China shall be exempted from customs duties in accordance with relevant regulations. (The Ministry of Finance, jointly with the State Administration of Taxation, the State Administration for Industry and Commerce, the Ministry of Industry and Information Technology and the General Administration of Customs)
Third, increase the special funds for small and medium-sized enterprises to support the construction of small business start-up bases (micro-business incubators, technology incubators, business enterprise clusters, etc.). ). Encourage large and medium-sized enterprises to drive small and micro enterprises in the industrial chain to achieve industrial agglomeration and group development. (Ministry of Finance, Ministry of Industry and Information Technology, Ministry of Science and Technology, Ministry of Commerce, State Administration for Industry and Commerce and other departments are responsible)
Four, small and micro enterprises to absorb employment difficulties, in accordance with the provisions of social insurance subsidies. Within 3 years from the date of industrial and commercial registration, small and micro enterprises that arrange employment for the disabled and employ less than 20 people (including 20 people) shall be exempted from the employment security fund for the disabled. (Ministry of Human Resources and Social Security, together with the Ministry of Finance and China Disabled Persons' Federation)
5. Encourage venture capital guidance funds set up by governments at all levels to actively support small and micro enterprises. Actively guide venture capital funds, angel funds and seed funds to invest in small and micro enterprises. Eligible small and micro enterprises can enjoy the small secured loan support policy as required. (The Ministry of Finance, in conjunction with the Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Science and Technology, the Ministry of Commerce, Ministry of Human Resources and Social Security and other departments are responsible)
Preferential loan policy for small and micro enterprises
Preferential policies for loans to small and micro enterprises are as follows:
1. In the course of operation, small and micro enterprises often have problems such as low efficiency and broken capital chain for various reasons. To solve this problem, they usually choose small and micro enterprise loans;
2. To apply for loans, small and micro enterprises should first learn about local policies from financial institutions or relevant government departments, then see if they meet the policy requirements, and then apply for loans from designated institutions. The following are common preferential policies for small and micro enterprise loans;
3. Guarantee concessions: In some places, the support for small and micro enterprises is guaranteed by government departments and loans are provided by financial institutions. Or loans from financial institutions, guarantee companies provide guarantees, and the government subsidizes guarantee fees. Small and micro enterprises can get bank loan support in the case of insufficient collateral;
4. Preferential interest rate: a kind of loan support for small and micro enterprises is provided by financial institutions, guaranteed by designated guarantee institutions and subsidized by government departments;
5. Lower the loan threshold: Small and micro enterprises are not as qualified as large and medium-sized enterprises, and often cannot provide sufficient collateral or ideal proof of running water. Financial institutions will reduce the loan requirements for small and micro enterprises. However, such loans usually need to be guaranteed by a third party;
6. Speed up lending: Corporate loans usually have a long approval process from application to lending, and some corporate loans last for three or four months. Some financial institutions provide fast-track loans for small and micro enterprises, so that enterprises can obtain funds quickly.
What are the conditions for lending to small and medium-sized enterprises?
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption; 2. The enterprise has a good reputation in various commercial banks and has no bad credit record; 3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection; 4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits; 5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors; 6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record; 7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years; 8, in line with the establishment of small business related industry credit policy; 9. Abide by national financial regulations and policies and relevant bank regulations; 10. Open a basic settlement account or a general settlement account with the applicant bank. Risk warning: bank loan 1 business process. Enterprises apply for working capital loans from banks, and provide relevant materials of enterprises and guarantors (if necessary). 2. Sign loan contracts and related guarantee contracts. After an enterprise's loan application is approved by SDB, banks and enterprises need to sign all relevant legal documents. 3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures. 4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.
Preferential loan policy for small and medium-sized enterprises 2022
Preferential loan policies for small and medium-sized enterprises include guarantee preference, interest rate preference, lowering the loan threshold and speeding up the loan. Mo Long is recommended. Company corporate tax bill loan, a single loan of 5 million, 30 minutes.
Small and micro enterprise loan processing process:
1. The borrower applies for a loan and submits relevant materials to the loan bank.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.
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