What are the government's policies to support small and micro enterprises?

The government's policies to support small and medium-sized enterprises are as follows:

(1) Increase financial support.

(2) Implement and improve preferential tax policies.

(3) further reduce the social burden of SMEs.

(4) policies and regulations to support small and medium-sized enterprises to speed up technological transformation.

the so-called small and medium-sized enterprises refer to enterprises of various ownership and forms established in the People's Republic of China according to law, which are conducive to meeting social needs, increasing employment, and conforming to the national industrial policy, and their production and operation scale belongs to small and medium-sized enterprises.

its classification standard is formulated by the department in charge of enterprise work in the State Council according to the number of employees, sales, total assets and other indicators, combined with the characteristics of the industry. Such enterprises can usually be funded by a single person or a few people, and their employment and turnover are not large. Therefore, most of them are directly managed by the owners and are less interfered by the outside world.

Legal basis:

Opinions of the State Council on Supporting the Healthy Development of Small and Micro Enterprises

1. 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 funds to include small and micro enterprises in the scope of support. (The Ministry of Finance, the Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Science and Technology, the Ministry of Commerce, the State Administration for Industry and Commerce and other departments are responsible)

Second, earnestly implement the preferential tax policies that have been introduced to support small and micro enterprises, and study and introduce policies to continue supporting them according to the needs of the development of the situation. Small and micro enterprises engaged in investment projects encouraged by the state, and imported advanced equipment that can't be produced in China are exempted from customs duties in accordance with relevant regulations. (The Ministry of Finance, together with the State Administration of Taxation, the State Administration for Industry and Commerce, the Ministry of Industry and Information Technology, the General Administration of Customs and other departments, is responsible for)

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. (The Ministry of Finance, the Ministry of Industry and Information Technology, the Ministry of Science and Technology, the Ministry of Commerce, the State Administration for Industry and Commerce and other departments are responsible)

IV. Social insurance subsidies shall be given to small and micro enterprises to absorb employment difficulties. Within 3 years from the date of industrial and commercial registration, small and micro enterprises that arrange employment for the disabled and have less than 2 employees (including 2 employees) will be exempted from employment security fund for the disabled. (The Ministry of Human Resources and Social Security, together with the Ministry of Finance, China Disabled Persons' Federation and other departments, is responsible)

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 support policy of small secured loans according to regulations. (The Ministry of Finance, together with the Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Science and Technology, the Ministry of Commerce, the Ministry of Human Resources and Social Security and other departments, is responsible)

VI. Further improve the financing guarantee policy for small and micro enterprises. Vigorously develop government-supported guarantee institutions, guide them to increase the scale of guarantee business for small and micro enterprises, and reasonably determine the guarantee fees.

SME loan preferential policies 222

SME loan preferential policies include guarantee preferential, interest rate preferential, lowering the loan threshold and speeding up the loan. It is recommended to choose Molong. The company's corporate tax bill loan can be used for a single loan of 5 million yuan, and the loan can be released in 3 minutes.

loan processing flow for small and micro enterprises:

1. The borrower applies for a loan and submits relevant materials to the loan bank.

2. Upon 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 procedures according to the prescribed procedures and transfers the loan funds to the account opened by the borrower in the bank.

4. The borrower repays the loan principal and interest on schedule.

5. After the loan is settled, the mortgage withdrawal formalities shall be handled according to regulations.

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preferential policies for loans to small and medium-sized enterprises in 221

preferential policies for small and micro enterprises in 221: 1. Small-scale VAT taxpayers with monthly sales of less than 1, yuan (inclusive) (paying taxes quarterly and quarterly sales of less than 3, yuan) are exempted from VAT. 2. The portion of the annual taxable income of small and low-profit enterprises that does not exceed 1 million yuan shall be included in the taxable income at a reduced rate of 25%, and the enterprise income tax shall be paid at a rate of 2%; For the part whose annual taxable income exceeds 1 million yuan but not more than 3 million yuan, it will be included in the taxable income at a reduced rate of 5%, and the enterprise income tax will be paid at the rate of 2%. 3. The signing of loan contracts between financial institutions and small and micro enterprises is exempt from stamp duty. 4, the monthly sales of less than 1 thousand yuan (quarterly sales of less than 3 thousand yuan) to pay the obligation to be exempted from education surcharge, local education surcharge, water conservancy construction fund. 5, did not reach the threshold of value-added tax payment obligations, shall be exempted from cultural construction fees. 6. Small and micro enterprises with less than 3 employees (inclusive) are temporarily exempted from collecting residual insurance money.

1. The Notice of the State Administration of Taxation on Implementing the Inclusive Tax Relief Policy for Small and Micro Enterprises stipulates that small-scale VAT taxpayers with monthly sales of less than 1, yuan (inclusive) shall be exempted from VAT. For the part of the annual taxable income of small and low-profit enterprises that does not exceed 1 million yuan, it will be included in the taxable income at a reduced rate of 25%, and the enterprise income tax will be paid at a rate of 2%; For the part whose annual taxable income exceeds 1 million yuan but not more than 3 million yuan, it will be included in the taxable income at a reduced rate of 5%, and the enterprise income tax will be paid at the rate of 2%. SME loans refer to loans issued by banks to legal representatives or controlling shareholders of small enterprises (social natural persons, hereinafter referred to as borrowers) to supplement corporate liquidity and other legally designated purposes.

second, the working capital loan is a loan issued to meet your short-term capital demand in the process of production and operation and ensure the normal production and operation activities. According to the loan term, it can be divided into short-term working capital loans within one year and medium-term working capital loans with a term of one to three years; According to the loan method, it can be divided into secured loans and credit loans, among which secured loans are divided into guarantee, mortgage and pledge. According to the way of use, it can be divided into short-term revolving loans that are applied one by one and reviewed one by one, and short-term revolving loans that can be borrowed, used and repaid within the time and limit specified by the bank. As an efficient and practical financing method, working capital loan has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost, so it has become a popular banking business among customers. Working capital loan can be divided into temporary working capital loan, short-term working capital loan and medium-term working capital loan according to the term: < P > Third, temporary working capital loan: the term is within 3 months (inclusive), which is mainly used for the temporary capital needs of enterprises to purchase goods at one time and to make up for other payments.

iv. short-term working capital loan: the term is from 3 months to 1 year (excluding 3 months and including 1 year), which is mainly used for the working capital needs of normal production and operation of enterprises.

V. Medium-term working capital loan: The term is 1 to 3 years (excluding 1 year, including 3 years), which is mainly used to meet the capital needs of enterprises in normal production and operation.

State supports interest-free loans for small and micro enterprises

State supports interest-free loans for small and micro enterprises are the main contents of the State Council's opinions on supporting the healthy development of small and micro enterprises:

(1) Financial support

First, the central government has expanded the scale of special funds for small and medium-sized enterprises from 12.87 billion yuan to 14.17 billion yuan, and will increase the total scale of funds year by year;

Second, the central government has allocated 15 billion yuan to set up a national SME development fund, which is mainly used to guide local, venture capital institutions and other social funds to support small and micro enterprises in the initial stage.

(II) Financing guarantee services

First, guarantee institutions that increase their annual guarantee business by more than three times their net assets and mainly provide loan guarantees for small and medium-sized enterprises can continue to enjoy the preferential policy of exemption from business tax for three years;

The second is to encourage guarantee institutions to increase the scale of guarantee business for small and micro enterprises and reduce the guarantee fees for small and micro enterprises through risk subsidies and premium subsidies from the central financial funds;

the third is to promote the development of re-guarantee institutions and strengthen their functions of dispersing risks and increasing credit.

what are the channels for SME loans?

1. Upstream and downstream channels: small enterprises can look for loan opportunities from the upstream and downstream of the industrial chain. If they are dealers of a well-known brand car, they can use the credit and guarantee of upstream manufacturers to get loans. If they are material suppliers of a leading enterprise, they can also use orders to go to the bank for order pledge.

2. Policies: At present, the state is vigorously supporting small and medium-sized enterprises, and many preferential policies have been introduced one after another. The small enterprise bureau and the industrial and commercial bureau usually have relatively complete bank credit information. Some departments will introduce enterprises to join a joint bank-securities loan project, and some will provide guarantees for small enterprise loans by setting up guarantee institutions.

3. financial institutions: loan information can be obtained from various commercial institutions, and from development zone management committees, chambers of commerce and industry associations in development parks or science and technology parks. some commercial institutions will also set up joint loan projects with banks, and commercial institutions will provide guarantees for small business loans under them.

4. Local channels: If you are a member of a county-level industrial cluster or a local industry with advantages and characteristics, enterprises can also apply for loan varieties such as joint guarantee loans by virtue of the advantages of related enterprises.

Extended information:

What are the ways for SMEs to get loans?

first, comprehensive credit

that is, some enterprises with good operating conditions and reliable credit are granted a certain amount of credit line within a certain period of time, which can be recycled by enterprises within the validity period and credit line. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money in installments according to their own operating conditions, and it is very convenient for enterprises to borrow money, and it also saves the loan cost. Banks provide loans in this way, generally for enterprises with industrial and commercial registration, qualified annual inspection, good management, reliable reputation and long-term cooperative relations with banks.

second, credit guarantee loans

in 31 provinces and municipalities across the country, more than 1 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The source of the guarantee fund is generally composed of local government financial allocation, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise borrows money from a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies that specialize in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

iii. Project development loans

Some high-tech SMEs can apply for project development loans from banks if they have significant scientific and technological achievements transformation projects and the initial investment amount is relatively large, which is unbearable for their own capital. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements for technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.

iv. loans secured by natural persons

natural person guarantees can take three forms: mortgage, pledge of rights, mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint and several liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the loan principal and interest on schedule or other breach of contract occurs, the bank will require the guarantor to fulfill the guarantee obligation.

V. Personal entrusted loans

Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loans. That is, a loan that is entrusted by an individual to provide funds, and is issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic procedure for handling personal entrusted loans is:

The principal applies to the bank for loan.

the bank selects and matches according to the conditions and requirements of both parties, and recommends them to the entrusting party and the borrower respectively.

the principal and the borrower meet directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term and repayment method.

after the borrower and lender negotiate the requirements, they go to the bank together and sign entrustment agreements with the bank respectively.

the bank investigates the credit status and repayment ability of the borrower and issues an investigation report, and then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.

VI. Discount loan on bills

Discount loan on bills refers to that the bill holder transfers commercial bills to a bank and obtains the funds after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One of the advantages of this loan method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as a few tens of days to as many as 3 days until the bill is cashed, and the funds are idle during this period. If enterprises can make full use of discounted bills, it is much simpler than applying for loans, and the loan cost is very low. Discounting bills can only be done by taking the corresponding bills to the bank for relevant procedures, which can generally be completed within three business days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of being widely and actively used by small and medium-sized enterprises.

VII. Pawning loan

Pawning is a kind of loan method that takes physical objects as collateral and obtains temporary loans in the form of ownership transfer of physical objects. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans. First of all, compared with the bank's almost harsh requirements for the borrower's credit conditions, the pawnshop has almost zero credit requirements for customers, and the pawnshop only pays attention to whether the pawned items are genuine or not. And general commercial banks only do real estate mortgage, and the code