Wu Hong: Making Great Efforts To Develop "Small And Medium Sized Enterprises" By Means Of "Electronic Commerce"

Wu Hong, member of the CPPCC National Committee, said in an interview that since the reform and opening up, China's small and micro enterprises have been developing rapidly, and their economic contributions and social contributions have been improving every year.

At present, "small and medium enterprises" have become the vitality of China's market economy. They play a crucial role in "accommodating employment, creating demand, flexible mechanisms, technological innovation, expanding exports and building a new socialist countryside".

So, what is the significance of developing "small and medium-sized micro enterprises" to China's economic and social development? First, developing small and micro enterprises will help to establish and improve a market economy system full of competitive vitality.

According to Wu Hong, the fundamental attribute of market economy is competition, and competition is the key to maintaining economic vitality.

He pointed out that small and medium-sized enterprises have formed the pressure of maintaining competition by opposing the monopoly and monopoly profits.

Only by maintaining competition can we avoid excessive concentration and inject new vitality into economic prosperity.

Secondly, the development of small and medium enterprises can increase employment opportunities and stabilize social order.

According to Wu Hong, the larger the scale of enterprises and the higher the degree of capital concentration and organic composition, the more capital they need to absorb every labor force.

Compared with large enterprises, the same amount of investment in small and medium-sized enterprises can attract more employees.

During the period of economic prosperity, the existence and development of a large number of small and medium enterprises brought great employment.

He believes that the rapid development of small and medium enterprises has resulted in huge labor demand, which has absorbed most of the labor force's increment and stock pfer, relieving the pressure of employment.

The e-commerce service industry has enhanced the employability of small and medium enterprises.

Third, development

Fourth, developing small and medium sized enterprises will play a positive role in building a new socialist countryside.

Wu Hong believes that, first of all, the development of small and micro enterprises to pfer rural surplus labor force can increase the land use area of people who are in the rural areas engaged in agricultural production, which is conducive to large-scale agricultural production and pform traditional farmers to modern agriculture.

Secondly, vigorously developing rural small and medium enterprises can promote the construction of rural urbanization.

It is conducive to the improvement of infrastructure, to the concentration of rural population to cities and towns, to the prosperity of service industry and commerce, so as to accelerate the pace of urbanization in rural areas.

Three, we should vigorously develop rural small and medium enterprises, and solve the problem of rural social security.

The fundamental way out for the rural social security system lies in the development of small and medium-sized enterprises. The farmers who are employed in the enterprises can be included in the urban guarantee system, and get medical insurance and endowment insurance. Meanwhile, the development of enterprises promotes the increase of local fiscal revenues and taxes, and more public expenditure can be used for the establishment of the rural social security system.

However, financing difficulties for developing small and medium-sized enterprises is a major problem.

Wu Hong pointed out that there are three main problems that puzzled the development of small and medium enterprises, namely, "survival is difficult, growth is difficult and development is difficult".

Survival is difficult to solve the order problem, growth is difficult to solve management problems, development is difficult to solve the financing problem.

Among them, financing is a pressing matter of the moment.

According to Wu Hong, the main reason for the financing difficulties of small and medium enterprises is that the traditional bank's inherent "big business complex" credit culture leads to its lack of matching mode with the financing needs of small and micro enterprises. Compared with large enterprises, the risk of small and medium enterprises is greater. The problem of asymmetric information between banks and enterprises is serious.

Because these factors have caused the financing difficulties of small and micro enterprises, in order to really solve the financing difficulties of small and micro enterprises, we must adopt innovative financial means.

stay

1, accelerate the promotion of the network joint guarantee loan mode across the country.

At present, the number of small and medium enterprises in China is as high as 40 million. The total amount of loans granted by the national network operators through the Alibaba platform is 251 billion 200 million yuan. The number of clients who obtain loans is 1.3, and the ratio of loans is only 5.25%. Most enterprises fail to get loans.

In addition, the network joint guarantee loans are mainly developed in East China and Guangdong. Other small and medium enterprises in other areas have not yet enjoyed such services. Therefore, it is suggested that the local governments should promote the cooperation of state-owned banks and e-commerce platforms and accelerate the promotion of the network joint guarantee loan mode across the country.

2, accelerate the establishment of a network bank that is closely integrated with e-commerce platform.

Wu Hong pointed out that local governments, state-owned banks and private e-commerce service providers jointly form an independent network of independent legal persons.

Positioning the Internet Bank in the banking mode of small and micro enterprises is a beneficial supplement to the existing banking system, and focuses on small and medium enterprises and entrepreneurs who are unable to cover the existing banking loan system, with a small amount of service financing, a lack of guarantee conditions, and a single financing scale within 2 million yuan.

3, provide appropriate support for the early operation of Internet banking.

The network bank is faced with small and medium enterprises. Because of the higher cost and risk cost than the traditional banks, he suggested that the government should give preferential treatment to the Internet Bank in terms of deposit reserves and taxes within five years.

4, speed up

5, pay attention to the role of e-commerce in the development of small and medium-sized enterprises.

As e-commerce services industry is conducive to boosting the growth of small and medium micro enterprises, providing full support for the latter growth cycle and boosting its pformation and development mode, it is very important in the development process of small and medium enterprises.

Therefore, we should vigorously support the development of e-commerce and e-commerce platform, so as to boost the development of small and micro enterprises faster and better.