Small and Medium Enterprises Loan Preferential Policies 2022
The government's policies to support small and medium-sized enterprises include:
(i) Increase the support of financial funds.
(ii) Implementing and improving tax incentives.
(iii) Further reducing the social burden on SMEs.
(iv) Policy provisions for supporting small and medium-sized enterprises to accelerate technological transformation.
The so-called small and medium-sized enterprises refer to all kinds of ownership and all forms of enterprises established by law within the territory of the People's Republic of China and the State of China, which are conducive to meeting the needs of the society, increasing employment, conforming to the national industrial policy, and with small and medium-sized production and operation scales.
Enterprise tax incentives:
1, depreciation pre-tax deduction: increase the intensity of income tax relief for industry and services, this year, for small and medium-sized micro-enterprises to newly acquire equipment and apparatus valued at more than 5 million yuan, depreciation of three years can be a one-time pre-tax deduction, and depreciation of four, five and 10 years can be deducted in half.
2. Manufacturing tax suspension policy: extend the tax suspension policy for manufacturing MSMEs.
3. Scope of "Six Taxes and Two Fees" Reduction and Exemption: Expanding the scope of local "Six Taxes and Two Fees" reduction and exemption policy to all small and micro-profit enterprises and individual industrial and commercial households.
Legal Basis
Article 14 of the Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises, the People's Bank of China shall make comprehensive use of monetary policy tools to encourage and guide financial institutions to increase credit support for small and micro-enterprises, and to improve the financing environment for small and micro-enterprises.
Article 15 of the Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises, the State Council Banking Supervision and Administration Agency of the State Council shall formulate differentiated supervisory policies for financial institutions to carry out financial services for small and micro-enterprises, and shall take measures such as reasonably increasing the tolerance for non-performing loans of small and micro-enterprises, so as to guide financial institutions to increase the scale and proportion of financing for small and micro-enterprises, and to improve financial services.
Article 16 of the Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises encourages financial institutions of all kinds to develop and provide financial products and services that are suitable for the characteristics of small and medium-sized enterprises.
State policy financial institutions shall, within the scope of their business operations, take various forms to provide financial services for small and medium-sized enterprises.
Preferential policies for loans to small and medium-sized enterprises
Small and medium-sized enterprises in the course of their operations, often due to a variety of reasons, such as poor, broken capital chain and other problems. To solve these problems, micro and small enterprises usually choose loans. When applying for a loan, MSMEs should first learn about local policies from financial institutions or relevant government departments, and then see if they meet the policy requirements before applying for a loan from a designated institution. Below are some common preferential policies for MSME loans. Guarantee:In some places, MSMEs are supported by government departments, which guarantee loans for enterprises and financial institutions provide loans. Or financial institutions lend, guarantee companies provide guarantees, and the government subsidizes the guarantee fee. Micro and small enterprises can obtain bank loan support in case of insufficient collateral. Preferential interest rates:There is a kind of loan support for micro and small enterprises, guaranteed by financial institutions, designated guarantee agencies, and subsidized by government departments. Reduced loan threshold:MSMEs are not as qualified as large and medium-sized enterprises and are often unable to provide sufficient collateral or ideal proof of running water. Financial institutions will lower their lending requirements for MSMEs. However, such loans usually require third-party guarantees (government or guarantee companies). Accelerated Disbursement:Enterprise loans usually have a long approval process from application to disbursement, with some taking as long as three to four months. Some financial institutions offer fast-track loans to MSMEs to give enterprises quick access to capital. Small and microenterprise support loans are usually made by local governments that issue specific policies and cooperate with designated financial institutions to provide services for small and microenterprise loans. That's why preferential policies vary from place to place, and so do the conditions and ways of obtaining preferential loans.
New policy on loans to private enterprises
New policy on loans to private enterprises: (a) State-controlled large commercial banks should continue to strengthen the construction of the inclusive finance division, strictly implement the "five specialties" operating mechanism, and rationally allocate internal resources to serve private enterprises. (a) State-controlled large commercial banks should continue to strengthen the construction of the inclusive finance division, strictly implement the "five specialties" business mechanism, and rationally allocate internal resources to serve private enterprises. Medium-sized commercial banks are encouraged to set up inclusive finance divisions, and explore and innovate more flexible ways of providing inclusive financial services, taking into account their respective characteristics and advantages. (ii) Local legal person banks should insist on returning to their roots, continue to sink the center of gravity of operation, management and service, give full play to their advantages in understanding the local market, innovate credit products and serve the local real economy. (iii) Banks should accelerate the disposal of non-performing assets and focus the revitalized capital on private enterprises. They should strengthen cooperation with qualified financial guarantee institutions, realize credit enhancement and risk sharing through the integration of interests and incentive compatibility, and provide more services for private enterprises. Banks and insurance institutions should increase their investment in bonds for private enterprises. (d) Insurance institutions shall continuously improve their comprehensive service level and provide more flexible loan guarantee insurance services for private enterprises under risk-controllable conditions, so as to provide credit-enhancing support for private enterprises to obtain financing. (v) Supporting banks and insurance institutions to replenish capital through the capital market and improve their ability to serve the real economy. Accelerating the innovation of capital replenishment bond tools for commercial banks, replenishing capital through issuing innovative tools such as open-ended capital bonds and conversion-type secondary capital bonds, and supporting insurance funds to invest in secondary capital bonds and open-ended capital bonds issued by banks. Accelerating the study on removing the restriction on the scope of industries in which insurance funds can carry out financial equity investment, and standardizing the implementation of strategic equity investment. (f) The CBIRC and its dispatching agencies will continue to promote the normalized development of private banks in an orderly manner in accordance with the principle of "maturing a bank and setting up a bank", promote their clear market positioning, actively serve the development of private enterprises, and accelerate the construction of a financial service system matching the needs of private small, medium-sized and micro-enterprises. Notice on Further Strengthening Financial Services for Private Enterprises I. Continuous Optimization of the Financial Service System (a) State-controlled large commercial banks should continue to strengthen the construction of inclusive financial business units, strictly implement the "five specialties" operating mechanism, and reasonably allocate internal resources for serving private enterprises. Medium-sized commercial banks are encouraged to set up inclusive finance divisions, and explore and innovate more flexible ways of providing inclusive financial services, taking into account their respective characteristics and advantages. (ii) Local legal person banks should insist on returning to their roots, continue to sink the center of gravity of operation, management and service, give full play to their advantages in understanding the local market, innovate credit products and serve the local real economy. (iii) Banks should accelerate the disposal of non-performing assets and focus the revitalized capital on private enterprises. They should strengthen cooperation with qualified financial guarantee institutions, realize credit enhancement and risk sharing through the integration of interests and incentive compatibility, and provide more services for private enterprises. Banks and insurance institutions should increase their investment in bonds for private enterprises. (d) Insurance institutions shall continuously improve their comprehensive service level and provide more flexible loan guarantee insurance services for private enterprises under risk-controllable conditions, so as to provide credit-enhancing support for private enterprises to obtain financing. (v) Supporting banks and insurance institutions to replenish capital through the capital market and improve their ability to serve the real economy. Accelerating the innovation of capital replenishment bond tools for commercial banks, replenishing capital by issuing innovative tools such as open-ended capital bonds and conversion-type secondary capital bonds, and supporting insurance funds to invest in secondary capital bonds and open-ended capital bonds issued by banks. Accelerating the study on removing the restriction on the industry scope of financial equity investment by insurance funds and standardizing the implementation of strategic equity investment. (f) The CBIRC and its dispatching agencies will continue to promote the normalized development of private banks in an orderly manner in accordance with the principle of "establish one when it is mature", promote their clear market positioning, actively serve the development of private enterprises, and accelerate the construction of a financial service system matching the needs of private small, medium-sized and micro-enterprises.
High-tech enterprise loan subsidy policy
I, the body of the answer
High-tech enterprise loan subsidy policy:
1, for the first time in the year 2022 the system of the service industry enterprises, to give 10,000 yuan incentive;
2, for the 2022 annual operating income of 50 million yuan and growth of more than 15%. million yuan and a year-on-year growth of more than 15% of the service industry enterprises, a reward of 20,000 yuan;
3, for the 2022 annual operating income of more than 300 million yuan and a year-on-year growth of more than 15% of the service industry enterprises, a reward of 50,000 yuan;
4, for the region's 2022 annual turnover of service revenue amount of outstanding contributions to the enterprise, a reward, the maximum of not more than 150,000 yuan .
Two, analysis
Science is an important internal driving force for development, high-tech enterprises are in the national key support for high-tech areas, sustained research and development and transformation of technological achievements, the formation of the core of the enterprise's independent intellectual property rights, and as a basis for business activities, in China, excluding Hong Kong, Macao, and Taiwan, registered for more than one year of the residents of the enterprise. It is a knowledge-intensive and technology-intensive economic entity. Innovation is the fundamental driving force of enterprise development, high-tech enterprise recognition policy is a guidance policy, the purpose is to guide enterprises to adjust the industrial structure, to take the road of development of independent innovation and continuous innovation, to stimulate the enthusiasm of enterprises for independent innovation, and to improve the ability of scientific and technological innovation.
Three, high-tech enterprise loans can loan how much?
High-tech enterprise discount credit project, mainly for Shenzhen's national high-tech enterprises and Shenzhen high-tech enterprises for loan credit, while giving interest subsidies, the maximum credit loan of 20 million, credit period of up to 5 years. Interest subsidy of 50%, the entire operation of the declaration time 30 working days to the account.
What formalities and conditions are required for enterprise loans
Conditions required for enterprise loans: 1. In line with the national industrial and trade policies, do not belong to the high-pollution, high-energy-consuming small enterprises; 2. Enterprises in the various commercial banks in a good credit standing, there is no bad credit record; 3. With the approval of the industrial and commercial administration department for the registration and Annual inspection qualified business license, holding the People's Bank of China issued and normal annual inspection of the loan card; 4. Have the necessary organizational structure, business management system and financial management system, have a fixed basis and place of business, legal business, product market, efficiency; 5. Have the ability to fulfill the contract, debt repayment, repayment will be good, no bad credit records, credit asset risk classification of the normal class or non-financial factors Influence of the concern category; 6. Business operators or actual controllers in more than 3 years of experience, good quality, no bad personal credit records; 7. Stable business operations, the establishment of the year in principle in 2 years (including) or more, at least one or more fiscal year financial reports, and two consecutive years of sales revenue growth, gross profit is positive; 8. Compliance with the establishment of small business and business-related industry credit policy; 9. be able to comply with national financial regulations and policies and relevant bank regulations; 10. open a basic settlement account or general settlement account in the applying bank.
Enterprise loan procedures: (1) application: the enterprise puts forward an application for a loan guarantee; (2) inspection: inspection of the enterprise's business situation, financial situation, collateral assets, tax payment, credit situation, the situation of the business owner, the initial determination of the guarantee or not; (3) communication: communication with the lending bank, further grasp of the information provided by the bank of the enterprise, to make clear the bank's proposed amount of the loan and the duration; (4 ) Guarantee: appraise the loan guarantee and counter-guarantee agreement with the enterprise, asset pledge and registration and other legal formalities, and sign a guarantee contract with the lending bank to formally establish a guarantee relationship with the bank and the enterprise; (5) Lending: the bank will issue a loan to the enterprise on the basis of reviewing the guarantee for the loan, and at the same time charge the enterprise for the guarantee fee; (6) Tracking: Track the enterprise's use of the loan and the enterprise's operation, through the enterprise's The most direct tracking of quarterly tax payments, electricity consumption, and cash flow growth or reduction is to examine the business situation of the enterprise.
The Civil Code stipulates that the guarantor must have certain qualifications, and that state organs, schools, kindergartens, hospitals and other public institutions and social organizations are not allowed to be guarantors. However, in practice, some loans are made to some state organizations as guarantors. As the state organs, institutions are relying on financial allocations for expenditure, they have assets, the unit does not have the right to deal with, in fact, this guarantee becomes invalid guarantee.
Banking conditions for business loans?
What are the conditions for bank business loans? Bank business loan conditions at a glance
Businesses are often in the process of operation, the situation will often arise. At this point, applying for a bank loan is undoubtedly a good way to go. However, enterprises applying for bank loans should first meet the basic conditions. So, what are the conditions for a bank business loan?
Enterprise loan conditions:
1, the enterprise by the industrial and commercial administrative organs (or competent authorities) approved the registration of the business license issued by the administrative department of industry and commerce, and through the annual inspection;
2, the use of borrowing in line with the national industrial policy and relevant laws and regulations;
3, the enterprise business, financial and credit status, with the ability to pay back the principal and interest of the loan on time
4, a bank-recognized guarantee unit to provide a guarantee or a guarantee (pledge);
5, in line with the bank's other relevant loan policy requirements.