1, guaranteed discount. In some places, small and micro enterprises are guaranteed by government departments and supported 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.
2. Preferential interest rate. Small and micro enterprises are supported by loans from financial institutions, guarantees from designated guarantee institutions and interest subsidies from government departments.
3. 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, but such loans usually need the guarantee of a third party (government or guarantee company).
2. What are the new policies for small and micro enterprise loans of CCB?
In 2020, affected by the epidemic, many small and medium-sized enterprises are facing financial problems. After the notice issued by the Ministry of Finance, Ministry of Human Resources and Social Security and the People's Bank of China, major financial institutions have successively issued many preferential policies to further increase the interest subsidy support for small and micro enterprises' guaranteed loans and fully support small and micro enterprises to resume work and production.
The preferential policies for small and micro enterprises of CCB are as follows:
1. Optimize online services: In the past, SME loan business had to go back and forth to banks. Since the beginning of this year, China Construction Bank has liberalized its online corporate loan business, which can not only transfer money quickly, but also handle more and more businesses through the mobile banking APP, which is quite convenient for enterprises.
2. 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. CCB will reduce the loan requirements for small and micro enterprises, but such loans usually need the guarantee of a third party (government or guarantee company).
3. Preferential loan interest rate: At present, the loan interest rate of state-owned banks basically fluctuates around the LPR quotation, which is lower than the same period last year, reducing the financing cost of small and micro enterprises. However, many small and micro enterprises are supported by loans from financial institutions, guaranteed by designated guarantee institutions and subsidized by government departments.
4. Extension of loan term: the business guarantee loans for small and micro enterprises and individual industrial and commercial households that encounter temporary liquidity difficulties can be extended to June 30, 2020 at the longest, during which the financial department will give normal interest subsidies. If the borrower suffers from COVID-19, the extension period of the personal business guarantee loan issued shall not exceed 1 year in principle.
5. Shorten the approval time and simplify the process: At present, CCB will generally speed up the pre-loan investigation, simplify the approval as much as possible, improve the relevant procedures, and let the loan be put in the first place.
3. What policies does the state have to support small and micro enterprises?
1. Implement various preferential tax policies to support the development of small and micro enterprises. Raise the threshold of value-added tax and business tax; The policy of halving corporate income tax for small and low-profit enterprises is extended to the end of 20 15 and the scope is expanded;
2. Government procurement supports the development of small and micro enterprises. The departments responsible for preparing departmental budgets shall arrange a share of not less than 18% of the total annual government procurement project budget of small and micro enterprises. In the government procurement review, the products of small and micro enterprises can be deducted from the price by 6%- 10% according to different industries.
3. Continue to reduce or exempt some enterprise-related fees, and clean up and cancel all kinds of illegal fees. The implementation of the central and provincial finance and price departments have announced the cancellation of administrative fees. 1October 20 12, 10 to February 20 14, 12, 3 18, some small and micro enterprises are exempted from administrative fees.
4. Establish a national SME development fund according to law. Improve financial support policies.
5. Implement various financial policies to support the development of small and micro enterprises.
6. Broaden financing channels
7. Implement the plan of establishing small businesses, cultivate and support 3,000 small business start-up bases, vigorously carry out entrepreneurship training and counseling, encourage the establishment of small businesses, and strive to expand social employment. Actively develop all kinds of science and technology incubators, and by 20 15, the scale of incubating enterprises will reach more than 65,438+10,000. Support labor-intensive enterprises to stabilize jobs, promote industrial upgrading, and accelerate the adjustment of product structure and service methods.
4. What are the loan policies for small and micro enterprises?
1. Basic conditions to be met when applying for enterprise mortgage loan: 1, business license, tax registration certificate, code certificate, etc. 2. Have a loan card issued by the People's Bank of China, and have no bad credit record. 3. The registered business of the company is over 1 year, and the annual turnover in the latest year is more than 3 times of the loan amount. 4. Materials to be provided for applying for enterprise mortgage loan:
2. Basic information of the enterprise: 1, business license, organization code certificate, tax registration certificate, account opening permit, legal person ID card, loan card for capital verification report of the articles of association (double copy). 2. Resolutions of the board of directors (shareholders' meeting, shareholders' meeting). 3. Business qualification/qualification certificate (not required).
Three. Enterprise financial information: 1. Tax payment certificate. 2. The company's financial statements.
Four. Merchant information: 1. Bank statements for the past six months. 2. Several major invoices of the enterprise within half a year.
Verb (abbreviation of verb) mortgage information: 1. Mortgage guarantee: Property title certificate Personal requirements: household registration book, marriage certificate. 2. Original bank mortgage loan contract (no need to provide it, there is a mortgage arrangement to mortgage in advance). 3. Letter of authorization for credit inquiry. 4. Other information deemed necessary by the Bank.
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