Multi-departmental policy "combination boxing" forms a joint force


  Helping the development of small, medium and micro enterprises in relief (Rui Finance)

  In recent months, in response to the rising costs, the increase in accounts receivable, and the impact of the epidemic disaster faced by some small, medium and micro enterprises, fiscal policy, monetary policy, and industrial policies have formed a strong synergy to escort the stable and healthy development of small and micro enterprises. Achieve good results.

In the next step, how to "help"?

In recent days, relevant persons in charge of various departments have stated that they will take multiple measures and continue to support the development of small, medium and micro enterprises.

  Financing "increased in volume, expanded in coverage, and decreased in price"

  Financial support, to inject capital "live water" for small, medium and micro enterprises.

  Since the beginning of this year, the People's Bank of China has launched two special activities, namely, the project to enhance the financial service capabilities of small, medium and micro enterprises and financial support for the development of individual industrial and commercial households to guide financial resources to flow more to small and micro enterprises and individual industrial and commercial households.

Zou Lan, Director of the Financial Markets Department of the People's Bank of China, said that the effectiveness of the two direct monetary policy tools has been further brought into play. At present, the financing of small and micro enterprises has maintained a good momentum of "increasing volume, expanding coverage, and falling prices".

  In terms of “volume growth”, the balance of inclusive small and micro enterprise loans at the end of the third quarter was 18.6 trillion yuan, a year-on-year increase of 27.4%; in terms of “expansion”, inclusive small and micro enterprise loans benefited 40.92 million small and micro business entities, a year-on-year increase of 30.8 %; In terms of “price drop”, the financing cost of small and micro enterprises has decreased steadily. In September, the new inclusive loan interest rate for small and micro enterprises was 4.89%, a decrease of 0.19 percentage points from December of the previous year; in terms of “structural optimization”, the general Credit loans accounted for 17.4% of loans to small and micro enterprises, 2 percentage points higher than the end of the previous year.

  "From last year to the end of September this year, the nationwide banking financial institutions accumulated a total of 13.5 trillion yuan in deferred principal and interest repayment, of which 11.1 trillion yuan was supported in the deferred principal and interest repayment of small, medium and micro enterprises, and a total of 86,000 inclusive small and micro credit loans were issued. 100 million yuan." Zou Lan said.

  Zou Lan introduced that in the next step the central bank will strengthen the implementation of various preferential policies to enhance the sense of financing for small and micro enterprises.

“One is to promptly promote the implementation of the new 300 billion yuan re-loan policy. The second is to continue to give full play to the effectiveness of the deferred repayment of inclusive small and micro loans and credit loan support policies, and make good use of re-lending funds to guide banks to issue more inclusive loans. Small and micro credit loans should be coordinated to ensure that policies are continued. The third is to carry out in-depth development of the financial service capacity improvement project for small and micro enterprises, support small and micro banks to issue special financial bonds for small and micro enterprises, and expand the sources of funding for small and micro credit. Fourth, support the supply of small and micro enterprises Chain financing. On the basis of cooperating with relevant departments to do a good job of clearing accounts, promote large enterprises to use commercial bills to replace other forms of accounts, guide financial institutions to expand the acceptance and discount of commercial bills, and support mitigation through rediscounting and other tools The pressure that small and micro enterprises are facing because of their funds." Zou Lan said.

  Continuously optimize the enterprise development environment

  The development environment for SMEs has been continuously optimized.

  Xiao Yaqing, Minister of Industry and Information Technology recently introduced that this is mainly manifested in three aspects:

  First, the legal system is basically sound.

In order to implement the SME Promotion Law, the national level has issued supporting systems such as the Regulations on Guaranteeing Payments for SMEs, Government Procurement and Management Measures for the Development of SMEs, and 24 provinces have revised their respective SME Development Promotion Regulations.

  Second, the policy planning system is becoming more and more perfect.

In 2020, the Ministry of Industry and Information Technology and other departments jointly issued the "Several Opinions on Improving the System for Supporting the Development of Small and Medium-sized Enterprises", proposing to improve the basic system supporting the development of small and medium-sized enterprises, adhere to and improve the financial and taxation support system and financing promotion system for small and medium-sized enterprises, etc.7 25 specific measures in each aspect.

  The third is the continuous improvement of policy support pertinence.

On the one hand, it is taking the lead in revising the SME planning standards to provide support for precise policy implementation and precise support.

On the other hand, the introduction of policies and measures closely follows the changes in the economic situation and the actual problems faced by the development of small, medium and micro enterprises, and has strong operability and effectiveness, which is concentrated in reducing taxes and fees, increasing credit, cultivating enterprises, and optimizing services.

  Tax reduction and fee reduction have been an important aspect of helping small and medium-sized enterprises in recent years.

Since last year, the state has introduced a series of preferential tax and fee policies based on the original tax and fee preferential policies that support the development of small and micro enterprises, which strongly supports the development of small and micro enterprises in relief.

Since May this year, the State Administration of Taxation and the All-China Federation of Industry and Commerce have launched a special action to help small and micro enterprises develop "Spring Rain and Run Seedlings" in 2021. They have launched 12 measures in 3 categories to implement the tax and fee reduction policies for small and micro enterprises. .

During the "Thirteenth Five-Year Plan" period, the nationwide new tax cuts and fees will be about 7.6 trillion yuan, and it is expected that the new tax and fee reductions will exceed 700 billion yuan this year.

  Strengthen the cultivation of high-quality enterprises

  In terms of industrial policy, how to increase support for the development of SMEs in the next step?

  It is understood that the Ministry of Industry and Information Technology is stepping up the preparation of the "14th Five-Year Plan" for the development of small and medium-sized enterprises, deploying seven key tasks such as improving a level playing field and improving the availability of financing, and implementing nine major tasks including the cultivation of high-quality small and medium-sized enterprises and the improvement of the capacity of service institutions for small and medium-sized enterprises. project.

  At present, the country has cultivated more than 4,700 "little giant" enterprises, and more than 40,000 provincial-level "specialized and special new" small and medium-sized enterprises; cultivated more than 340 national small and micro enterprise entrepreneurship and innovation demonstration bases and national small and medium-sized enterprise public service demonstration platforms. There are 600, spurring the cultivation of more than 2500 provincial demonstration bases and more than 3300 demonstration platforms in various regions. It has also compiled a practical list of "specialized, special and new" small and medium-sized enterprises.

  In the future, the Ministry of Industry and Information Technology will increase efforts to cultivate high-quality enterprises.

Xiao Yaqing introduced that during the "14th Five-Year Plan" period, 1 million innovative SMEs, 100,000 "specialized and new" SMEs, and 10,000 "little giant" enterprises will be incubated and cultivated.

  "In the next step, we will closely follow the key tasks of maintaining the basic stability of the manufacturing industry and upgrading the modernization of the industrial chain and supply chain, and do a solid job of relevant work, promote the formation of a fair and competitive market environment, and strive to expand for all types of enterprises, especially small and medium-sized enterprises. Space for development." Xiao Yaqing said.

  Reporter: Wang Wenzheng

Keywords: enterprises., micro enterprises, development, rui finance, enterprises, policies, policy, monetary policy, persons, medium, improvement, increase, combination boxing, costs, relief