Financing and guarantee work of small and medium-s

2022-09-23
  • Detail

The financing and guarantee work of small and medium-sized enterprises has become increasingly effective in relieving difficulties and alleviating difficulties.

recently, the National Symposium on financing and guarantee work of small and medium-sized enterprises was held in Shaanxi. The purpose of this meeting is to implement the spirit of the relevant documents of the State Council on Further Strengthening the financing services of small and medium-sized enterprises, alleviate the financing difficulties of enterprises, and open up a new situation in the financing and guarantee work of small and medium-sized enterprises

financing is the core problem faced by small and medium-sized enterprises. It is the field that needs and should be played by the government most. Financing plays an important role in promoting the development of small and medium-sized enterprises. At present, the government departments of the State Council and local governments have taken the initiative to meet the difficulties and creatively carried out a lot of fruitful work, which has effectively promoted the healthy development of small and medium-sized enterprises

in order to have a clearer understanding of the new situation and tasks facing the financing and guarantee of small and medium-sized enterprises, starting from this issue, "small and medium-sized enterprises weekly" will focus on the report of this meeting, in order to summarize the achievements, promote the experience exchange of local departments, and let more small and medium-sized enterprises understand the financing and guarantee work, Realize the close connection between finance and real economy in a broader scope. 1) valve measurement of metal materials mainly develops multi-stage shot peening and liquid nitriding process systems to promote symbiosis

in recent years, affected by the downward pressure of the economy, the enterprise market environment has become tighter, and the problem of difficult and expensive financing has restricted the development of small and medium-sized enterprises. Qin Zhihui, deputy director of the Bureau of small and medium-sized enterprises of the Ministry of industry and information technology, pointed out in an interview with China industry news a few days ago that the CPC Central Committee and the State Council attach great importance to alleviating the problem of difficult and expensive financing for small and medium-sized enterprises, and intensively issued a number of documents to constantly optimize the policy environment and guide and promote the tilt of financial resources towards small and micro enterprises. All regions, departments and financial institutions have actively promoted the implementation of policies, promoted financing innovation, and continuously improved financing services. The financing and guarantee work of small and medium-sized enterprises has achieved positive results

the external environment for financing has gradually improved.

Qin Zhihui pointed out that in recent years, the State Council has intensively issued a series of policies to alleviate the difficulties and high costs of enterprise financing, and the policies and measures for the financing of small and medium-sized enterprises have been continuously improved. For example, the "several opinions of the State Council on further promoting the healthy development of the capital market" focuses on further promoting the healthy development of the capital market, improving the multi-level capital market system, broadening the investment and financing channels of enterprises and residents, and optimizing the allocation of resources; The guiding opinions of the general office of the State Council on taking multiple measures to alleviate the high financing cost of enterprises focuses on taking comprehensive measures to alleviate the high financing cost of enterprises and promote the benign interaction between finance and the real economy. These policy documents cover all kinds of financing channels and key links, and build a basic policy framework for the financing and guarantee of small and medium-sized enterprises

According to the requirements of the State Council, relevant departments should refine specific measures, enrich the content of policies, clarify the division of labor among departments, strengthen supervision and inspection, and promote the implementation of central policies. At the same time, the Ministry of industry and information technology has always taken promoting and alleviating the financing difficulties of small and medium-sized enterprises as an important job responsibility, which has been incorporated into the overall work of promoting the development of small and medium-sized enterprises, unified deployment and overall consideration

in recent years, the Ministry of industry and information technology has actively played the role of the coordination mechanism of the State Council Leading Group Office for promoting the development of small and medium-sized enterprises, given full play to its functional advantages, increased policy coordination and implementation, and promoted the implementation of policies. First, jointly with the people's Bank of China and relevant departments, promote the development of pledge financing of accounts receivable of small and micro enterprises. Second, work with the Ministry of Finance and the CBRC to promote the improvement of the credit guarantee system for small and medium-sized enterprises. The opinions of the Ministry of industry and information technology on further promoting the healthy development of credit guarantee institutions for small and medium-sized enterprises were issued. Promote the establishment of national financing guarantee funds. Coordinate with the State Administration of Taxation to implement the business tax exemption policy for credit guarantee institutions of small and medium-sized enterprises, and do a good job in the connection of tax exemption policies after replacing business tax with value-added tax. Jointly arrange 1.59 billion yuan of financial funds with the Ministry of finance, and rely on provincial-level re guarantee institutions to carry out pilot work of guarantee compensation in six provinces (cities) including Beijing. Third, in line with the revision of the law on the promotion of small and medium-sized enterprises by the finance and Economic Commission of the National People's Congress, a separate chapter on "financing promotion" was included in the revised draft, which made systematic provisions on the responsibilities of financial management departments, the development of small and medium-sized financial institutions, the improvement of chattel guarantee financing, the improvement of the policy guarantee system for small and medium-sized enterprises, the expansion of direct financing channels, the role of insurance, and the improvement of the credit system. On November 3, the 24th session of the Standing Committee of the 12th National People's Congress held group deliberations on the revised draft. Fourth, the "plan for promoting the development of small and medium-sized enterprises (2016-2020)" was issued, which put forward the key work of improving financing policies, promoting financial innovation, increasing capital supply and promoting the construction of guarantee system during the 13th Five Year Plan period, emphasizing the guarantee role of financing in the implementation of the plan. Fifth, fully implement the strategic cooperation agreement on financial services for small and medium-sized enterprises signed by the Ministry of industry and information technology and relevant banks, and summarize and promote the government bank cooperation model. In addition, the Ministry of industry and information technology, in combination with its functions, actively promoted the innovation of financing mode of small and micro enterprises, explored the use of big data to increase credit financing, and studied the development of secured loan guarantee insurance business

innovative ideas continue to enrich the service content

at present, all regions work creatively in combination with the actual situation, and constantly enrich the financing service content of small and medium-sized enterprises. First, build a government bank enterprise cooperation platform to break through the problems of first loan and credit loan of small and micro enterprises. Tianjin, Shanxi, Jiangsu, Jiangxi, Guangxi, Guizhou, Hainan, Gansu, Ningxia, Yunnan, Xinjiang and other places compensated a certain proportion of the loan risk of small and micro enterprises through special financial funds, mobilized the enthusiasm of bank credit, and alleviated the financing problems of small and micro enterprises

second, establish a loan renewal mechanism to reduce the "bridge" cost of small and micro enterprises. Heilongjiang, Fujian, Jiangsu, Zhejiang, Hubei, Chongqing, Qingdao and other places have established emergency refinancing funds to provide preferential transitional loans to small and micro enterprises during the renewal period, reducing the burden of enterprise financing costs

third, expand direct financing channels. For example, Shaanxi has vigorously promoted the listing of small and medium-sized enterprises on the new third board, established a provincial reserve enterprise resource pool for the new third board, established a new third board expert group of more than 310 people, established a provincial small and medium-sized enterprise new third board alliance, carried out rotation training for thousands of enterprises, organized high-quality enterprise project roadshows, and awarded 500000 yuan to listed enterprises. At the same time, the provincial small and medium-sized enterprise development fund provides financing support for high-quality enterprises to be listed and listed enterprises in the form of preferred shares

fourth, promote the construction of the credit system of small and medium-sized enterprises and solve the problem of lack of credit. For example, Taizhou City, Zhejiang Province has established a municipal financial service credit information sharing platform, which has collected more than 43 million pieces of credit information from 12 departments, including finance, taxation, social security, quality supervision, etc., 78 categories, more than 600 items, covering more than 500000 enterprises

fifth, promote the connection between banks and enterprises and reduce information asymmetry. For example, Shaoxing City, Zhejiang Province has built a "Internet + Bank + enterprise" financial Taobao service model for small and micro enterprises, and built a trinity financial service company. It must not suddenly open and close a common platform to achieve product direct access, service direct access, policy direct access and information direct access. A total of 32 banks, 380 sites, 155 financing product information and 2658 customer managers have settled in, realizing the "self selection of loans" for small and micro enterprises. Since the platform started operation in early 2015, it has successfully lent 33595 loans, with an average household loan of 2.47 million yuan, an average acceptance time of 9.17 days, and an average annual interest rate of 6.07%

sixth, strive to solve the difficulty of discounting small bills. Shanghai, Hebei, Anhui and other places have cooperated with banks to set up "small bill discount centers" to solve the problems of small bills that are difficult to obtain discount financing from financial institutions due to their small face value, high operating costs and high risk of default

financial services are more focused on small and micro enterprises

Qin Zhihui pointed out that since this year, the Ministry of industry and information technology has fully implemented the important instructions of Premier Li Keqiang and vice premier Ma Kai on accounts receivable financing, jointly carried out special research with the people's Bank of China, and submitted the report on accelerating the development of accounts receivable financing and alleviating the difficulties and high financing of small and micro enterprises to the State Council. According to the instructions of the leading comrades of the State Council, the work plan for the special action on accounts receivable financing of small and micro enterprises has been formulated, and it is planned to carry out a three-year special action on accounts receivable financing of small and micro enterprises in the country jointly with the people's Bank of China, the Ministry of finance, the Ministry of Commerce, the SASAC, the CBRC and other departments

the Ministry of industry and information technology and the people's Bank of China jointly carried out the pilot work of accounts receivable financing for small and micro enterprises in Mianyang City, Sichuan Province, and promoted the core enterprises of the industrial chain and small and medium-sized enterprises to carry out account confirmation and financing on the CCRC accounts receivable financing service platform. We need to actively promote the inspection of these two key points. In the "law on the promotion of small and medium-sized enterprises (Revised Draft)" and "several opinions on financial support for industrial steady growth, structural adjustment and efficiency increase" and other documents, we should increase the financing content of accounts receivable, propose to promote the establishment of a national unified chattel financing registration and Internet publicity system, and promote large enterprises and government procurement entities to actively confirm accounts receivable, Help small and medium-sized enterprises supplier financing

for the financing pain points and difficulties of small and micro enterprises, relevant departments continue to improve the accuracy of financial services. Banking financial institutions actively innovate renewal products for small and micro enterprises. Financial institutions also actively use Internet and big data technology to innovate financial products suitable for the characteristics of small and micro enterprises. At present, the Ministry of industry and information technology is negotiating with relevant enterprises, hoping to increase the credit of enterprises and promote the application of big data in the financing of small and medium-sized enterprises by mining the enterprise purchase, sale and inventory and behavior data resources owned by big data companies

at present, the guarantee system with provincial re guarantee institutions as the core has gradually become an important support to serve the financing of small and micro enterprises. According to statistics, 29 provinces (autonomous regions and municipalities) have set up provincial-level re guarantee institutions or defined institutions that undertake the re guarantee function, basically achieving the goal of "three-year basic full coverage" proposed in Document No. 43 of the State Development Council. At present, it has become a consensus that provincial re guarantee institutions play a core role in the construction of the guarantee system, and their "amplifier" and "stabilizer" roles are constantly playing. The financing services of small and medium-sized enterprises show a collectivization, platform and comprehensive development trend centered on Provincial re guarantee institutions

Copyright © 2011 JIN SHI