The New National Order Brings Vitality To Small And Medium-Sized Garment Enterprises.

Premier Wen Jiabao chaired a State Council executive meeting yesterday to study and identify the development of small and micro enterprises. Finance Fiscal and taxation policies and measures.

The meeting pointed out that small and micro enterprises play an irreplaceable role in promoting economic growth, increasing employment, technological innovation and social harmony and stability. At present, some small and micro enterprises are operating very hard. financing Problems such as difficulty and tax burden are serious. We must attach great importance to them. We should strengthen financial services and fiscal and tax support, and mainly increase the support for the real economy that meets the requirements of the state's industrial and environmental policies, and can absorb employment, such as technology, services and processing industries. Profitability And developing the stamina.

Financial policy measures

(1) increase credit support to small and micro enterprises. The growth of loans to small micro enterprises by banking financial institutions is not less than the average growth rate of all loans. The increment is higher than that of the same period of last year. rrr 。 Commercial banks focus on increasing the size of small businesses under a single household credit of less than 5 million yuan. credit Support. We should strengthen loan supervision and end-user monitoring to ensure the normal production and operation of small and micro enterprises.

(two) clean up and correct unreasonable charges for financial services, and effectively reduce the actual cost of enterprise financing. In addition to syndicated loans, commercial banks are prohibited from collecting commitment fees and funds management fees for small micro enterprise loans. Strictly restrict commercial banks from collecting financial advisory fees and consulting fees to small and micro enterprises.

(three) broaden the financing channels for small and micro enterprises. We should gradually expand the scale of collection of small and micro enterprises, collective bonds and short-term financing bonds, and actively and steadily develop financing tools such as private equity investment and venture capital investment. We will further promote the construction of the exchange market and the OTC market, and improve the financing environment for small and micro enterprises.

(four) refine the differentiated supervision policy for small micro enterprises' financial services. For small micro enterprises, the commercial banks with more than a certain percentage of loans and a larger number of customers will relax institutional access restrictions and allow them to build batches of City branches and franchise outlets in batches. For commercial banks to issue financial bonds corresponding to a single small household loans of less than 5 million yuan, in the calculation of deposit to loan ratio can not be included in the scope of assessment. Commercial banks are allowed to consider the risk of a small micro enterprise loan with a single household credit of less than 5 million yuan as the risk weight of retail loans. We should appropriately increase the tolerance of small micro enterprises to the bad loan rate.

(five) to promote the reform and development of small financial institutions. Strengthen small financial institutions to focus on small micro enterprises, communities, residents and "three rural" market positioning. On the basis of prudent supervision, we should promote the establishment of new rural financial institutions, guide small financial institutions to increase service outlets, and extend institutions to counties and townships within their jurisdiction.

(six) promote the healthy development of private lending on the basis of standardized management and risk prevention. We must strictly supervise and prohibit financial practitioners from participating in private lending. Financial support for small and micro enterprises should be carried out in accordance with market principles and administrative intervention should be reduced.

Fiscal and taxation policies and measures

(1) increase tax support for small and micro enterprises. Raise the threshold of value-added tax and business tax for small and micro enterprises. The enterprise income tax policy will be reduced to half of the small profit enterprises, and extended to the end of 2015. The eligible public service demonstration platform for small and medium enterprises should be included in the preferential tax policy for import and export of technology development products.

(two) the stamp duty shall be exempted from financial institutions' contracts for loans to small micro enterprises within three years. The pre Tax Deduction Policy for the loan loss reserve of small and medium enterprises in financial enterprises was extended to the end of 2013. The policy of reducing the financial and insurance income of eligible rural financial institutions by 3% according to the business tax shall be extended to the end of 2015.

(three) expand the scale of special funds for small and medium-sized enterprises, and support indirectly small and micro enterprises by indirect means. We should further clean up and cancel some of the charges related to enterprises. {page_break}

Small and medium-sized enterprises face many hurdles

Cost, employment, exchange rate, financing and tax burden. A small and medium-sized business owner lamented that the development of small and medium-sized enterprises is really not easy now, and it needs to "cut six of the five passes".

The first is cost control. Since the beginning of this year, the cost of raw materials, labor, rents, capital and so on has risen sharply. SMEs have no bargaining power in the industrial chain. They can not pass the pricing spanfer costs, the profit space is compressed, and they are at the edge of losses.

The second pass is to use people. Zhang Hongxing, deputy manager of the Development Department of Huizhou Dazheng Business Management Service Co., Ltd., said: "it is hard to recruit blue collar workers who are skilled in production technology.

As the RMB continues to appreciate, small and medium-sized foreign trade enterprises are still hit by the "exchange rate pass". There are many small and medium-sized export enterprises in the Pearl River Delta region. Their products have low added value and low profits, accounting for only 3%-5% of sales revenue. If the US dollar denominated sales income is converted into Renminbi, a larger appreciation of the renminbi will make it difficult for companies to make profits or even lose money.

"The increase in the price of raw materials is a big impact on the enterprise, plus the pressure of RMB appreciation, we want to increase the export price." But European customers also want to cut the quota with us because of the sluggish market. Under such circumstances, prices can not be raised, so they have to digest themselves. Zhang Hongxing said.

At the same time, the growth of bank credit has slowed down this year, and social mobility is tight. Enterprises are facing "financing" and financing costs are rising. At the same time, enterprises are affected by factors such as rising costs and slow capital turnover. Financing demand has increased significantly, and the contradiction between supply and demand of small businesses has intensified.

In addition, some enterprises reflect that the local tax burden is heavy and the "tax burden" makes enterprises embarrassed and burdened. Chang Lin, director of the Institute of enterprise management and Decision Sciences, Guangdong Academy of Social Sciences, said that in recent years, the tax burden of SMEs is still heavy, with dozens of fees charged.

A business owner who did not want to be named said: "if we strictly follow the laws and regulations to levy taxes and charges on small and medium-sized enterprises, we are afraid that small and medium-sized enterprises will die a large amount. At present, most SMEs adopt the strategy of tax evasion. If the other party does not have the invoice, we will make the shipment cheaper.

Wen Jiabao went to Wenzhou to investigate private credit

Private lending capital chain breaks, small and medium-sized enterprises collapse, business owners "run"... Recently, rumors about Wenzhou's small and medium-sized enterprises are in trouble.

In from October 3rd to 4th, Wen Jiabao, member of the Standing Committee of the Political Bureau of the CPC Central Committee and Premier of the State Council, went to Shaoxing and Wenzhou, Zhejiang, and went deep into the rural areas, communities, enterprises and markets to conduct research on the economic operation. Wen Jiabao held three forums in the company's presided over and asked the head of the company to inquire into the production and operation of small and medium-sized enterprises, small loan companies and private credit in detail.

Wen Jiabao emphasized that supporting the development of small and medium-sized enterprises is of overall and strategic importance. First, we should conscientiously implement and improve the differentiated financial supervision policies for small and micro enterprises. Two, we should make clear that small and micro enterprises should be the key support objects, and support financial institutions specializing in providing services for small and micro enterprises. Three, we should increase fiscal and tax policies to support small and micro enterprises, extend the period of relevant preferential tax policies, and further intensify policy preferences. Four, we must guard against financial risks. We should strengthen supervision over private lending, guide them to develop in a sunny and standardized way, and play a positive role.