Local Governments Have Increased Financial And Tax Support For Small And Medium-Sized Enterprises

Shandong: improving incentive and guiding mechanism to ease small and medium enterprises financing Difficult problem

First, we should establish a risk compensation and reward mechanism for small enterprises, and guide banking financial institutions to increase their credit support for small enterprises. Since 2010, the provincial finance has set up a small enterprise loan risk compensation incentive fund to give risk compensation and reward to qualified banking financial institutions, and guide financial institutions to increase the risk compensation and reward for small enterprises credit Support.

Second, improve the financing mechanism and guarantee mechanism of small and medium-sized enterprises. Through various channels, such as provincial financial budget arrangement and striving for special funds from the central government, we should support the credit guarantee institutions and credit re guarantee institutions of small and medium-sized enterprises to enhance their business capacity, expand their guarantee business and improve their financing environment.

Third, establish a linkage mechanism between financial support funds and bank credit funds to promote independent innovation and technological progress of small and medium-sized enterprises. We should pay attention to the use of financial discount means to attract bank funds to small and medium-sized enterprises, and support the implementation of technological innovation plan, growth plan, characteristic industry promotion plan and cultivation plan of small and medium-sized enterprises.

Fourth, improve the support and guidance mechanism for listing enterprises, and vigorously promote the direct financing of high-quality small and medium-sized enterprises. We will gradually expand the scale of the special support funds for enterprises to be listed, improve the listing and breeding mechanism of small and medium-sized enterprises, and accelerate the direct financing of enterprises' listing.

Fifth, improve the guidance mechanism of venture capital, guide social capital to increase investment in small and medium-sized enterprises. We should speed up the operation of the provincial venture capital guidance fund, constantly expand the scale of the fund, guide and support social capital from inside and outside the province to set up venture capital enterprises in our province by means of phased equity participation, follow-up investment and financing guarantee, and encourage venture capital enterprises to give priority to supporting small and medium-sized science and technology-based enterprises and small and medium-sized high-tech enterprises in the seed stage and expansion stage.

Tianjin: development of small and medium sized financial enterprises capital Up to 630 million yuan

Since this year, in order to help solve the difficulties and problems faced by the development of small and medium-sized enterprises and maintain the good trend of rapid, stable and healthy economic development, Tianjin finance and taxation departments have actively adopted and improved policies and measures to help small and medium-sized enterprises tide over the difficulties through financial and taxation means. At present, the development funds of small and medium-sized enterprises arranged by the municipal finance have reached 630 million yuan, and a number of preferential tax policies have been implemented to help the development of small and medium-sized enterprises.

First, financial support. In recent years, Tianjin has established a number of supporting funds, including special funds for the development of small and medium-sized enterprises, innovation funds for science and technology-based small and medium-sized enterprises, award funds for famous brand products, scientific and technological innovation funds, discount funds for technological transformation of enterprises, and funds for high-tech industrialization, so as to promote technological innovation of small and medium-sized enterprises, accelerate industrial upgrading and structural transformation. We should give full play to the guiding and exemplary role of financial funds, encourage guarantee institutions to provide guarantees for small and medium-sized enterprises, expand the credit scale of financial institutions for small and medium-sized enterprises, and ease the financing difficulties of small and medium-sized enterprises. At present, the number of small and medium-sized enterprise credit guarantee institutions funded by the government has grown to 10, with a total registered capital of 385 million yuan, a total of more than 1400 guarantee households and a cumulative loan guarantee amount of nearly 10 billion yuan. At the same time, a venture capital fund has been set up, and the municipal finance has expanded the scale of the venture capital fund year by year. At present, 270 million yuan has been allocated. Enterprises that have difficulty in raising funds in the early stage of listing will be given a one-off reward of 30 million yuan for the enterprises that have difficulty in raising funds in the early stage of listing. In addition, the municipal finance has also increased the support for the export trade of small and medium-sized enterprises. This year, the city's foreign trade development funds will be increased from 50 million yuan to 100 million yuan.

The second is the tax refund. Tianjin will further clean up the charging items, cancel or reduce some threshold and admittance charging items and standards for enterprise investment projects in line with national industrial policies, and formulate preferential charging policies for encouraged industries. It has reduced the burden of administrative charges from 10788 items in the initial stage to the focus of administrative services for small and medium-sized enterprises. At the same time, the business income of credit guarantee institutions of small and medium-sized enterprises shall be exempted from business tax within three years, and the local retained portion of paid enterprise income tax shall be returned within three years from the profit-making year, and the credit guarantee institutions of small and medium-sized enterprises with outstanding performance shall be rewarded and subsidized. At the same time, small and low profit enterprises that meet the requirements shall be subject to enterprise income tax at a reduced tax rate of 20%; the threshold of value-added tax and business tax shall be increased from 2002; venture capital enterprises shall be encouraged to invest in small and medium-sized high-tech enterprises, and those who have invested in unlisted small and medium-sized high-tech enterprises by means of equity investment for more than two years shall be entitled to 70% of their investment amount for two years For the small and medium-sized enterprises, the amount of tax that can be deducted from the small and medium-sized enterprises that are allowed to invest in the small and medium-sized enterprises and provide services to the small and medium-sized enterprises in accordance with the income tax before tax, which can be deducted from the small and medium-sized enterprises in terms of the amount of income tax that can be deducted for the small and medium-sized enterprises to invest in and serve the community Business tax, urban maintenance and construction tax, education surtax and enterprise income tax are deducted in turn according to the quota.

Fujian: actively strengthening the construction of investment and financing system for small and medium-sized enterprises

First, actively set up a re guarantee agency. The provincial finance raises funds from multiple channels to establish a non-profit and policy oriented provincial re guarantee institution to provide credit enhancement and risk sharing services for small and medium-sized enterprises. The registered capital of the re guarantee institution is 1.4 billion yuan. At present, the registered capital of the first phase of 700 million yuan has been fully in place.

The second is to improve the risk compensation mechanism of financing guarantee for small and medium-sized enterprises. The provincial finance has set up a special fund for risk compensation of credit guarantee institutions, which provide financing services for small and medium-sized industrial enterprises and small and medium-sized trade enterprises with risk compensation according to 8 ‰ and 5 ‰ of the annual guarantee amount respectively, so as to further support and promote the development of guarantee institutions.

Third, establish provincial venture capital. The provincial finance will arrange 600 million yuan to set up provincial venture capital in the first phase, so as to further accelerate the industrial revitalization and development of our province, gradually cultivate a number of seed and growth type small and medium-sized enterprises, and promote the industrialization of the achievements of the "6.18" project. At the same time, the Interim Measures for the management of provincial venture capital funds in Fujian Province were promulgated to strengthen fund management and improve the utilization efficiency of investment funds.

Fourth, cultivate venture capital mechanism. Provincial finance actively arranges venture capital guidance funds for small and medium-sized enterprises, provides certain proportion of investment risk compensation to venture capital enterprises or venture enterprises receiving investment, guides venture capital enterprises to carry out investment business, and encourages private capital to establish venture capital enterprises.

Kunming, Yunnan: strive to provide multi-level, multi-channel, multi-functional and all-round services

In order to speed up the construction of service system for small and medium-sized enterprises in Kunming, and to provide a multi-level, multi-channel, multi-functional and omni-directional public service platform for the establishment and development of small and medium-sized enterprises, Kunming has promoted its work from three aspects

First, improve the support policy system. It has successively formulated and issued the implementation opinions on accelerating the development of non-public economy, the implementation opinions on accelerating the development of small and medium-sized enterprises, the measures for the management of special funds for the development of non-public economy and small and medium-sized enterprises in Kunming, the measures for the identification of small and medium-sized enterprise entrepreneurship base in Kunming (for Trial Implementation), and the provisional identification of service demonstration unit of socialized service system for small and medium-sized enterprises in Kunming It provides a strong guarantee system for small and medium-sized enterprises.

Second, increase financial support. Since 2008, Kunming has set up a special fund for the development of non-public economy and small and medium-sized enterprises. From 2008 to 2011, the municipal budget allocated 210 million yuan of special funds for the development of non-public economy, increasing support for the construction of service system. For those identified as municipal small enterprise entrepreneurship base, a one-time fund subsidy of 300000 to 500000 yuan will be given to the base operation organization, and 100000 to 200000 yuan will be given to each household if it is identified as a demonstration unit of socialized service system for small and medium-sized enterprises.

Third, actively integrate all kinds of resources. We should give full play to the guidance and service functions of the competent departments, focus on stimulating and mobilizing the enthusiasm and initiative of social service institutions, strive to integrate social service resources, and provide all-round and multi-functional services for small and medium-sized enterprises in entrepreneurship training, financing services, management consulting, market development and talent introduction.

Shandong Tai'an: four measures to help SMEs financing

First, set up bridge funds to support the development of enterprises. It has set up a bridge loan repayment fund of 40 million yuan, successively supported 18 projects of 16 small and medium-sized enterprises, completed 12 loans, and attracted a total of 150 million yuan of bank loans.

Second, set up financial resources construction funds to support the development of enterprises. We will integrate financial resources and construction funds of 58 million yuan, and give special support to small and medium-sized enterprises that are in line with industrial policies, have high scientific and technological content, have broad market prospects, and have good economic benefits, so as to help small and medium-sized enterprises to become bigger and stronger.

Third, the establishment of small loan companies to ease the difficulty of loans. Three small loan companies have been set up in succession to encourage small and medium-sized enterprises to provide loans through setting up guarantee funds and other incentive measures. At present, loans have been granted to small and medium-sized enterprises with a total of 390000 yuan.

The fourth is to build a diversified credit guarantee system for small and medium-sized enterprises. We should encourage small and medium-sized enterprises to become bigger and stronger through mergers and acquisitions. Governments at all levels, state-owned and state-owned holding enterprises and private capital are encouraged to invest in various credit guarantee institutions for small and medium-sized enterprises. Governments at all levels are encouraged to convert industrial capital into financial capital in order to expand the scale of guarantee companies, enhance their financing capacity and support the development of enterprises.

Zhangjiagang, Jiangsu Province: perfecting the policy support mechanism and perfecting the financing guarantee system

In recent years, Zhangjiagang City has actively improved the financing environment of small and medium-sized enterprises, broadened the financing channels, reduced the financing cost, and made efforts to solve the financing problems of small and medium-sized enterprises by improving the policy support mechanism and improving the financing guarantee system.

One is to establish a multi-level credit guarantee system for small and medium-sized enterprises. The municipal government has invested 510 million yuan to set up four guarantee companies, which are wholly-owned by the government, controlled by the government and participated by the government. At the same time, through the policy of "increasing the credit rate and providing guarantee services" to small and medium-sized enterprises in the province, we can expand the scale of guarantee business by setting up guarantee institutions at the county level power.

Second, the implementation of financing guarantee risk compensation mechanism. For small and medium-sized enterprises, the amount of loan guarantee business accounts for more than 80% of the total business volume of the whole year, and the loan guarantee business amount of less than 8 million yuan accounts for more than 60% of the total business amount. The Municipal Finance shall provide risk compensation to the guarantee institutions whose registered capital reaches a certain proportion. In the first half of the year, the municipal finance arranged 4.9 million yuan to subsidize the three qualified guarantee companies, and encouraged guarantee institutions to actively carry out financing guarantee business for small and medium-sized enterprises.

The third is to promote the innovation of financing methods of small and medium-sized enterprises. Support and guide SMEs to use collective notes, private equity and other means of direct financing, and establish a multi-party financing service system for SMEs. In the first half of the year, with the re guarantee company as the carrier, and with the advantages of the provincial credit re guarantee company in capital, business scale and credit qualification, it provided credit enhancement services for Shenghui gas and Qizhou pesticide enterprises by issuing 180 million yuan collective bills, which not only helped small and medium-sized enterprises obtain direct financing opportunities, but also reduced the financing costs of enterprises to a certain extent.

Xuhui District of Shanghai: supporting enterprises in the area to raise funds of 769 million yuan in the first half of the year

In order to better play the guiding and promoting role of loan guarantee policies and funds for small and medium-sized enterprises in the industrial development, and solve the financing problems of small and medium-sized enterprises, Xuhui District Finance Bureau innovates working ideas, actively communicates and cooperates with the district financial office, and gives full play to the role of policy based financing platform. In the first half of the year, the total amount of financing for enterprises in the District reached 769 million yuan.

One is to innovate financing products and give full play to the policy oriented function of loan guarantee. For high-tech enterprises with high technology content, good development potential and obvious supporting effect, we should increase the amount of guaranteed loans and innovate counter guarantee measures, etc.

Second, communication and cooperation, do a good job in small business loan guarantee work. Through the financial and Bank Conference, we will smooth the communication channels of commercial banks, actively strive for the support of insurance companies in the city, expand the business space of Xuhui guarantee company, promote the cooperation with Shanghai Housing Guarantee Co., Ltd., and further expand the loan guarantee business of small and medium-sized enterprises.

Third, implement the financial discount policy to reduce the financing cost of enterprises. In the first half of the year, 11 million yuan of guarantee fees were subsidized and subsidized for enterprises in the area, which helped the healthy development of enterprises.

The fourth is to strengthen the guarantee management and guard against the guarantee risk. At the same time, we should strengthen the pre loan audit and the inspection and management of enterprises under guarantee to timely analyze the loan credit guarantee data of small and medium-sized enterprises to prevent the risk of bad debts.
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