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.
Preferential tax policies for enterprises:
1. Pre-tax deduction of depreciation: increase the reduction and exemption of industrial and service income tax. This year, for small and medium-sized enterprises, the depreciation of newly purchased equipment and appliances worth more than 5 million yuan can be deducted for three years before tax, and the depreciation of four years, five years and 10 years can be halved.
2. Manufacturing tax deferred policy: extend the tax deferred policy for manufacturing SMEs.
3. The scope of "six taxes and two fees" reduction and exemption: the scope of the local "six taxes and two fees" reduction and exemption policy will be extended to all small and meager profit enterprises and individual industrial and commercial households.
legal ground
People's Republic of China (PRC) SME Promotion Law Article 14 The People's Bank of China shall comprehensively use monetary policy tools to encourage and guide financial institutions to increase credit support for small and micro enterprises and improve their financing environment.
Article 15 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the banking supervision institution in the State Council shall formulate differentiated supervision policies for financial institutions to provide financial services to small and micro enterprises, take measures such as reasonably improving the tolerance of non-performing loans of small and micro enterprises, and guide financial institutions to increase the financing scale and proportion of small and micro enterprises and improve the level of financial services.
People's Republic of China (PRC) SME Promotion Law Article 16 The State encourages various financial institutions to develop and provide financial products and services suitable for SMEs.
National policy financial institutions shall provide financial services to small and medium-sized enterprises in various forms within their business scope.
Preferential loan policy for small and micro enterprises
In the course of operation, small and micro enterprises often have problems such as poor and broken capital chains for various reasons. To solve these problems, small and micro enterprises usually choose loans. When applying 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. Guarantee: Some places support small and micro enterprises, and government departments guarantee loans for enterprises and provide loans to 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. Interest rate concessions: there is a kind of loan support for small and micro enterprises, which is guaranteed by financial institutions, designated guarantee institutions and subsidized by government departments. Lower the threshold for loans: 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 require a third-party guarantee (government or guarantee company). Speed up lending: there is usually a long approval process for corporate loans 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. Small and micro enterprises support loans, usually local governments introduce specific policies and cooperate with designated financial institutions to provide services for small and micro enterprise loans. Therefore, preferential policies vary from place to place, and the conditions and methods of obtaining preferential loans are also different.
New loan policy for private enterprises
New loan policy for private enterprises: (1) Large state-controlled commercial banks should continue to strengthen the construction of business departments in inclusive finance, strictly implement the "five specialties" operation mechanism, and rationally allocate internal resources to serve private enterprises. Encourage medium-sized commercial banks to set up inclusive finance business department, and explore innovative and more flexible service modes in inclusive finance based on their own characteristics and advantages. (2) Local corporate banks should stick to the origin, continue to sink the focus of management and service, give full play to the advantages of understanding the local market, innovate credit products, and serve the local real economy. (3) Banks should speed up the disposal of non-performing assets and concentrate the revitalized funds on private enterprises. Strengthen cooperation with qualified financing guarantee institutions, realize credit enhancement and risk separation through interest integration and incentive compatibility, and provide more services for private enterprises. Bank insurance institutions should increase investment in private enterprise bonds. (4) Insurance institutions should constantly improve their comprehensive service level, provide more flexible loan guarantee insurance services for private enterprises and provide credit enhancement support for private enterprises to obtain financing under controllable risks. (5) Support banks and insurance institutions to replenish capital through the capital market and improve their ability to serve the real economy. Accelerate the innovation of capital supplementary bond instruments of commercial banks, replenish capital by issuing innovative instruments such as non-fixed-term capital bonds and convertible secondary capital bonds, and support insurance funds to invest in secondary capital bonds and non-fixed-term capital bonds issued by banks. Accelerate the study of canceling insurance funds to limit the scope of financial equity investment, and standardize the implementation of strategic equity investment. (VI) The CBRC and its dispatched offices will continue to promote the standardized development of private banks in an orderly manner, promote their clear market positioning, actively serve the development of private enterprises, and accelerate the construction of a financial service system that matches the needs of private SMEs in accordance with the principle of "one maturity and one establishment". Notice on Further Strengthening the Financial Services of Private Enterprises I. Continuously Optimizing the Financial Services System (I) Large state-controlled commercial banks should continue to strengthen the construction of inclusive finance's business department, strictly implement the "five specialties" operation mechanism, and rationally allocate internal resources to serve private enterprises. Encourage medium-sized commercial banks to set up inclusive finance business department, and explore innovative and more flexible service modes in inclusive finance based on their own characteristics and advantages. (2) Local corporate banks should stick to the origin, continue to sink the focus of management and service, give full play to the advantages of understanding the local market, innovate credit products, and serve the local real economy. (3) Banks should speed up the disposal of non-performing assets and concentrate the revitalized funds on private enterprises. Strengthen cooperation with qualified financing guarantee institutions, realize credit enhancement and risk separation through interest integration and incentive compatibility, and provide more services for private enterprises. Bank insurance institutions should increase investment in private enterprise bonds. (4) Insurance institutions should constantly improve their comprehensive service level, provide more flexible loan guarantee insurance services for private enterprises and provide credit enhancement support for private enterprises to obtain financing under controllable risks. (5) Support banks and insurance institutions to replenish capital through the capital market and improve their ability to serve the real economy. Accelerate the innovation of capital supplementary bond instruments of commercial banks, replenish capital by issuing innovative instruments such as non-fixed-term capital bonds and convertible secondary capital bonds, and support insurance funds to invest in secondary capital bonds and non-fixed-term capital bonds issued by banks. Accelerate the study of canceling insurance funds to limit the scope of financial equity investment, and standardize the implementation of strategic equity investment. (VI) The CBRC and its dispatched offices will continue to promote the standardized development of private banks in an orderly manner, promote their clear market positioning, actively serve the development of private enterprises, and accelerate the construction of a financial service system that matches the needs of private SMEs in accordance with the principle of "one maturity and one establishment".
Loan discount policy for high-tech enterprises
First, the text answer
High-tech enterprise loan discount policy:
1. For the first unified service enterprise in 2022, reward1ten thousand yuan;
2. Give 20,000 yuan to service enterprises whose annual operating income reaches 50 million yuan in 2022 and the year-on-year increase exceeds 15%;
3. Reward 50,000 yuan for service enterprises with annual operating income of more than 300 million yuan in 2022 and year-on-year increase of more than 15%;
4. Reward enterprises that have made outstanding contributions to the service industry revenue in 2022, with a maximum of 6.5438+0.5 million yuan.
Second, analysis
Science is an important internal driving force for development. High-tech enterprises refer to resident enterprises that have been registered in China (excluding Hong Kong, Macao and Taiwan) for more than one year, and continue to carry out research and development and technological achievements transformation in high-tech fields supported by the state, forming core independent intellectual property rights. It is a knowledge-intensive and technology-intensive economic entity. Innovation is the fundamental driving force for the development of enterprises, and the identification policy of high-tech enterprises is a guiding policy, which aims to guide enterprises to adjust their industrial structure, take the road of independent innovation and sustainable innovation, stimulate their enthusiasm for independent innovation and improve their scientific and technological innovation ability.
3. How much can a high-tech enterprise borrow?
The discount credit project for high-tech enterprises mainly provides loans and credits for Shenzhen national high-tech enterprises and Shenzhen high-tech enterprises, and at the same time gives discount subsidies. The maximum credit loan is 20 million yuan and the longest credit period is 5 years. Discount 50%, and the whole operation declaration time is 30 working days.
What are the procedures and conditions for enterprise loans?
Enterprise loan requirements: 1. It conforms to the national industry and industrial policies 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. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the 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. Abide by the policy of establishing industry credit related to small enterprises; 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.
The process of enterprise loan: (1) application: the enterprise applies for loan guarantee; (2) inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee; (3) Communication: communicate with the loan bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank; (4) Guarantee: clarify the legal procedures such as loan guarantee and counter-guarantee agreement, asset mortgage and registration with the enterprise, sign a guarantee contract with the loan bank, and formally establish a guarantee relationship with the bank and enterprise; (5) Lending: banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises; (6) Tracking: Tracking the loan usage and operation of enterprises, and directly tracking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
The Civil Code stipulates that a guarantor must have certain qualifications, and state organs, schools, kindergartens, hospitals and other public welfare institutions and social organizations may not act as guarantors. But in practice, some loans are guaranteed by some state organs. As the expenditure of state organs and institutions depends on financial allocation, the unit has no right to dispose of its own assets, in fact, this guarantee becomes invalid.
What are the loan terms for banks and enterprises?
What are the loan terms for banks and enterprises? List of bank and enterprise loans
In the process of enterprise management, this kind of situation often happens. It is undoubtedly a good idea to apply for a bank loan at this time. However, enterprises applying for bank loans must first meet the basic conditions. So, what are the loan conditions for banks and enterprises?
Enterprise loan conditions:
1. The enterprise has been approved and registered by the administrative department for industry and commerce (or the competent authority), holds the business license issued by the administrative department for industry and commerce, and passed the annual inspection;
2. The purpose of the loan conforms to the national industrial policy and relevant laws and regulations;
3. The enterprise is in good operating, financial and credit conditions, and has the ability to repay the loan principal and interest on time;
4. Guarantee units recognized by banks provide guarantee or mortgage (pledge) guarantee;
5. Meet the requirements of other relevant bank loan policies.