Fourth Quarter Credit Micro Loose Bank Has A "Preference" For Small Businesses.

< p > "the wages of workers are rising, pportation costs are rising, goods are sent out, money is not coming back, and a few small factories on the same scale and I have been shut down because of capital turnover."

Guangdong Foshan maze Electric Manufacturing Co., Ltd., general manager of marketing, Mai Chi Tsai told reporters that this year is a difficult time to build factories over the past decade.

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In order to help the small businesses like Mai Chi Zi's factory out of trouble, the government has introduced a number of financial, fiscal and tax policies to pave the way for the healthy development of small businesses. Meanwhile, small businesses are also thinking about how to get rid of the difficulties with the help of policies and make P stronger and stronger.

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< p > > strong > fourth quarter credit micro loose bank has a "preference" for small businesses < /strong > /p >

< p > raw material prices, labor prices continue to rise, exchange rate fluctuations and other factors led to a sharp increase in the cost of production and operation of SMEs this year.

"This year, orders have been greatly reduced, and the time of withdrawal of business loans has been lengthened, and capital turnover is facing greater pressure."

Said Mai Chi Tsai.

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< p > to increase credit support, the CBRC has issued "silver ten" and partial refinement measures to support SME loans, differentiated the loan and loan assessment, improved the tolerance of non-performing loans, and reduced the risk of loans, so that many banks have regained confidence in developing small and micro businesses.

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In the first 9 months of this year, Guangdong branch of Guangdong branch of Agricultural Bank of China has invested 35 billion 554 million yuan in small business loans, which has increased by more than 30.74% yuan over the previous 8 billion 359 million months, compared with the previous year's P.

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< p > many banks have indicated that the increment and stock adjustment of the fourth quarter loans will tilt to small businesses.

For example, the Agricultural Bank of China has proposed to ensure that the loan increments of small and micro businesses are not less than 100 billion yuan a year, while the Bank of China plans to add more than 120 billion yuan of loans to small businesses throughout the year, which will help to alleviate the shortage of funds for small businesses.

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< p > at the same time, as the regulatory authorities relaxed the bad tolerance, in order to help enterprises, ABC Guangdong Nanhai Branch also increased the bad tolerance rate of small businesses from 1.5% to 2%.

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Sun Jianlin, general manager of the credit management department of CITIC Bank, believes that although the upper level releases the fine tuning signal, it will not change the precondition of tight monetary policy. P

"The adjustment of credit scale or the increase in the size of the bank will have a certain preference for small businesses, and will tilt towards the industry sector supported by the macro policy."

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< p > measures taken by ABC to support small and micro enterprises show that small and micro enterprises engaged in modern agriculture, modern service industry and strategic emerging industries, and technology oriented enterprises with core technology and intellectual property rights, and export oriented enterprises with excellent performance will be the focus of the bank's support.

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< p > < strong > micro enterprises foretold tax reduction "sweetness" selective support boost pformation < /strong > < /p >

< p > besides financing, tax is also a burden for small and medium enterprises to survive. Reducing taxes and fees has become an urgent expectation for small and medium-sized enterprises to rush out of difficulties.

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< p > "last year, the company's profit was 165 million yuan, the tax paid 158 million yuan, and the profit of 1 yuan was to pay 5 cents tax."

Yang Hua, chief financial officer of Beijing Rice Village Food Co., Ltd., gave reporters a Bibi number of tax items to be paid: 17% VAT, 25% corporate income tax, 5% business tax, 5% to 7% urban construction tax, property tax, land use tax...

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The executive meeting of the State Council, held in October 12th (P), studied and determined policies and measures to support the development of small and micro enterprises by finance and taxation.

Recently, the Ministry of Finance and the State Administration of Taxation issued a document to raise the threshold of value added tax and business tax.

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< p > Yi Zhongge, Assistant Executive Deputy Secretary General of China Association of small and medium business enterprises, believes that the policy has obvious effect on 3000 000 individual businesses in the country.

"Moreover, these micro enterprises mostly cooperate with small and medium-sized enterprises, have indirect effects on small and medium-sized enterprises, and help reduce the operating costs of medium and small profit enterprises."

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< p > in addition, the Ministry of Finance announced recently that from November 1, 2011 to October 31, 2014, the stamp duty on loan contracts signed between financial institutions and small and micro enterprises was exempted from the stamp duty, and the pre Tax Deduction Policy for loans related to financial enterprises and loan losses for small and medium enterprises continued to be implemented until December 31, 2013.

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< p > Liu Shangxi, deputy director of the Ministry of finance, said: "on the one hand, the development of small and medium-sized enterprises depends on national policy support, but fiscal and taxation policies should be selectively supported. Policies should be tilted, with emphasis on reducing the tax burden of enterprises in the field of high-tech enterprises and emerging industries, while enterprises should not support" two high and one capital (high energy consumption, high pollution and over exploitation of resources ").

On the other hand, small and medium-sized enterprises should speed up their pformation and improve their competitiveness by their own efforts.

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< p > < strong > small businesses should focus more on revitalizing industries < /strong > /p >

< p > nowadays, there is a lot of chaos in private lending, and the capital chain of small businesses is in danger.

Although many small businesses are not interested in the business of thinning interests, they still prefer to lose their own business. They are involved in the risk of private lending in the tide of borrowing from the banks and in the tide of private lending.

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In the face of difficulties, many enterprises still focus on pformation, devote themselves to R & D and innovation, focus on the bank and reverse the adversity in the face of P.

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< p > "I also thought about investing in real estate, but real estate and other service industries need to be based on industrial development.

If we want to break through the darkness before dawn, we must make our main business bigger and stronger.

Zhejiang province Haining joint Feng magnetic industry Limited by Share Ltd chairman Yan Jianfeng said.

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< p > most small and medium-sized enterprises are affected by the accumulation of their capital, technology, management and talent. They are always at the low end of the industrial chain, and it is extremely difficult to realize pformation and upgrading.

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< p > Yan Jianfeng told reporters that at present, the technology in Pyramid of the material industry is still abroad, and the investment in R & D of enterprises is relatively large, and optical hardware has invested about 20000000 yuan.

"This year, the environment is relatively stagnant, and the market demand has dropped by 30%. However, sales have not dropped much because of the upgrading of equipment and production capacity and competitiveness in terms of price and quality."

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Yan Jianfeng's enterprises are stepping up their R & D investment and will get the loans from the Agricultural Bank for R & D at the benchmark interest rate when the enterprises in the same trade get into trouble. < p >

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< p > "in the past few years, small and medium-sized enterprises have expanded their scale and invested more in real estate and other industries. Under the current macroeconomic regulation and control, short and long investment is very easy."

Yuan Yuqiang, general manager of the comprehensive management department of Jiaxing branch of Agricultural Bank of China, said that banks value the small and medium-sized enterprises that adapt to the pformation and upgrading of the situation. They have the advantage of science and technology, strong ability to resist risks, and have the right to bargain in bank loans.

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< p > "it is winter now. We clenched our teeth and calculated carefully.

In the process, we should eliminate a number of enterprises. The key moment is the strength of enterprises, the quality of products and the level of management.

Said Mai Chi Tsai.

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