Textile Enterprises Have Heard The Voice: The Real Economy Is The "Financial Parents" Of The Development Of The Financial Industry, This Week Will Introduce Measures To Get Through The "Obstruction".

Support the development of private enterprises, create a fair competition environment, and reduce the burden of enterprises' taxes and fees.

Recently, from the central government to the local government, a series of policy "combined boxing" has been introduced.

For the majority of private enterprises and small and medium enterprises, textile and garment enterprises, these

The measures are not accurate, and the strength is not enough?

Recently, the State Council held a executive meeting, calling for greater financial support to ease the financing difficulties of private enterprises, especially small and micro enterprises.

The meeting pointed out that solving difficulties for private enterprises and small and micro enterprises is an important measure to stimulate market vitality and increase employment more.

In accordance with the deployment of the Party Central Committee and the State Council, various regions and departments have taken measures to alleviate the financing difficulties of small and micro enterprises, and made some progress. However, private enterprises, especially small and micro enterprises, have difficulty in raising funds for financing.

The next step is to increase support for private enterprises and small and micro enterprises.

We should broaden the financing channels.

The medium-term loan will facilitate the scope of qualified collateral to expand to 10 million yuan from a single household credit fund of 5 million yuan and below.

Innovative financing tools, deepen multi-level capital market reform, support more small and micro enterprises to carry out equity and bond financing.

It is necessary to stimulate endogenous motivation of financial institutions and solve the problem of reluctance to lend and not to lend money.

We should define the standard of credit and due diligence, guide financial institutions to decentralization of credit approval authority, and link the loan business of small and micro enterprises with internal assessment and remuneration.

For small and micro enterprises with large loan base and high proportion of financial institutions, they should be supervised positively.

To strive for the 4 quarter of the major commercial banks to issue new loans for small and micro enterprises, the average interest rate dropped by 1 percentage points over the 1 quarter.

We should punish unreasonable loans, cut off loans, clean up unnecessary financing links and additional costs, and seriously investigate and deal with deposits and loans.

At the same time, we should take measures to prevent credit risks.

In addition, Zhou Liang, vice chairman of the Bank of China Insurance Regulatory Commission recently said at the ninth Caixin summit that the CIRC will issue a "guiding opinion on supporting the development of private economy" this week, and will report it to the Party Central Committee and the State Council.

According to its introduction, "these measures are mainly to get through the intestinal obstruction and obstruction in the middle of the financial and real economy cycle, especially to achieve the microcirculation of capillaries."

It is said that the CIRC will resolutely implement the two unwavering state and private sector.

Equally treat the large and medium sized enterprises equally, especially requiring the bancassurance institutions to take effective and effective measures to alleviate the financing difficulties and financing problems of private enterprises and small and micro enterprises.

The banking industry should change from "speed" and "scale" to work hard in terms of quality and efficiency.

He said: "we should not only care about the effectiveness of the bancassurance institutions, but also pay more attention to the benefits of the real economy, because enterprises are the main body of the market.

We are deeply aware that the development of finance is inseparable from the real economy, because they are our parents, and the next step is to focus on serving the real economy in accordance with the requirements of the Central Committee, and make contributions to our financial contribution with practical actions, so as to provide a boost for the high quality development of the economy.

Zhou Liang said that the so-called "private economy" departure from the market in the previous period was extremely wrong.

"The CIRC resolutely implements two unwavering measures, treats the state and private economy equally, and treats the large and medium sized enterprises equally, and in particular requires the bancassurance institutions to take effective and effective measures to alleviate the financing difficulties and financing problems of private enterprises and small and micro enterprises. We should make more efforts to make timely preparations for the problem. We should not blindly break the loan and draw loans and loans to enterprises that have difficulties in development and have normal production and operation in the light of temporary difficulties. They will provide the risk of releasing the risk of the stocks and pledge, and allow the Asset Management Co to set up special products to resolve the liquidity risk of the stock pledge of the listed companies and private enterprises.

We should urge banks to reform their internal technical school assessment system, set up a mechanism to prohibit exemption from blame and correct errors, improve the efficiency of loans, reduce financing costs, support the marketization and legalization of debt to equity swap, and help enterprises reduce their debt burden.

Through these measures, we can break glass doors and spring doors, eliminate the invisible barriers of financial services private enterprises, and create a favorable environment for the development of private economy.

Zhou Liang believes that the real economy is the foundation of finance, and finance is the blood of the real economy. Laying a solid foundation for preventing and resolving financial risks will lay a solid foundation for the financial services of the real economy.

"The China Banking Regulatory Commission will persist in preventing risks and promoting development, grasping both hands and making hard work, actively and steadily promoting structural leveraging, orderly dismantling the shadow banking, regulating market chaos, coping with the impact of fluctuations in the international financial market, rationally guiding market expectations, and firmly keeping the bottom line of systemic financial risks."

Zhou Liang said that the CIRC actively implemented the six stable policy requirements and urged the bancassurance institutions to return to the source of the real economy and strengthen the construction of the whole area.

Coordinated development, the Yangtze River economic belt,

The strategy of big bay area and other key national strategies focuses on strengthening support for agricultural modernization, rural revitalization, accurate poverty alleviation, green low carbon and coordinated development of urban and rural areas, supporting new development concepts, deepening the structural reform of supply side as the main line, and pushing banks and insurance institutions to pform their development mode, focusing on quality and efficiency, and promoting quality pformation, efficiency change and dynamic pformation with quality and efficient services.

It will create favorable conditions for economic pformation and upgrading, building a modern economic system and achieving high quality economic development.

All over the country, the wind of rescuing private enterprises is not enough.

In the near future, we need to create a fair competition environment and reduce the tax burden of enterprises.

And so on, in the near future or intensive policy, or change the system and mechanism, from the cost reduction, tax reduction and other aspects, we should give practical advice and practical results to support the development of private enterprises and private economy towards high quality.

1, a package of policies to reduce the cost of private enterprises.

High cost is a major obstacle to the development of private economy.

After the Symposium on private enterprises, governments around the country rolled up their sleeves to reduce burdens on the private economy and reduce the cost of all kinds of taxes and fees.

A few days ago, Guangdong promulgated "some policies and measures to promote the high quality development of private economy". This document, known as the ten local "private economy", puts forward to "reduce the cost of production and operation of private enterprises".

According to the "new ten real economy" published by Guangdong province in September this year, it is estimated that in the next three years, the total cost of direct reduction of Guangdong enterprises will exceed 200 billion yuan.

Jiangsu Province recently issued the notice on further reducing the burden of enterprises and promoting the development of the quality of the real economy in a number of policies and measures, and put forward 28 specific measures, which is expected to reduce the burden on the real economy enterprises by about 60 billion yuan.

On November 2nd, Che Jun, Secretary of the Zhejiang provincial Party committee, revealed at the commendation conference of private entrepreneurs in the province, since 2016, Zhejiang has accumulated more than 300 billion yuan for enterprises to reduce their burdens, and strive to reduce the burden of enterprises by 150 billion yuan for the whole year.

In addition to the above three "private economy provinces", other regions have also launched a number of measures to reduce costs.

For example, Hebei has recently issued several opinions on further reducing costs and lightening burdens to promote the development of real economy enterprises.

Earlier, Hebei proposed to strive to reduce the cost of real economy by 30 billion yuan every year from 2018 to 2022.

Jiangxi should strive to reduce the cost of enterprises in the whole province by more than 120 billion yuan in 2018, and reduce the total cost by more than 280 billion yuan in three years.

In addition, Shandong's "opinions on supporting the high quality development of private economy (Draft)" put forward 34 specific contents, which will be submitted to the Standing Committee of the provincial Party Committee for deliberation after further modification.

Chongqing, Henan and other places have similar policies.

Taking a comprehensive look at the policies, they are detailed, specific and practical, pointing to the pain points of private enterprises.

After carding, it was found that the cost of land use, electricity consumption, logistics, institutional pactions, financing and so on was taken care of by all parts of the country.

For example, Jiangsu lowered the minimum tax for every town's land use tax per square meter, the big city dropped from 3 yuan to 1.5 yuan, and the medium-sized city dropped from 3 yuan to 1.2 yuan.

Chongqing has proposed that the land price for manufacturing projects should be 70% according to the minimum price standard of the corresponding industrial land.

In terms of tax concessions, Jiangxi proposed that vehicle purchase tax should be levied on trailers from July 1, 2018 to June 30, 2021.

Jiangsu has adjusted the approved standard of stamp duty since December 1, 2018, and industrial enterprises sold 70% of their sales revenue, and commercial enterprises and foreign trade enterprises were authorized to collect 40% of their sales revenue.

2, increase financing and guarantee support.

Financing is difficult and financing is expensive. It is also one of the problems of policy focus.

In the above

At the commendation conference of private entrepreneurs in Zhejiang Province, Zhejiang proposed to set up a new province financing Company limited by guarantee. The provincial government increased its capital to the provincial guarantee group, supporting small and micro enterprises financing and leading backbone enterprises issuing bonds.

In addition, the newly formed Zhejiang listed company's support fund for steady development has been set up. The first phase of financing is 10 billion yuan, which is used to resolve the risk of equity pledge and support the healthy development of listed companies.

Not only in Zhejiang, but in Jiangsu's 28 initiatives, it is clear that we should vigorously promote the construction of the government financing guarantee system, and the provincial finance will not be less than 300 million yuan a year, and set up a provincial financing guarantee compensation compensation pool, which is specially used for risk compensation for small and micro enterprises, "three rural", "double innovation" and strategic emerging industries.

Beijing has established a support plan for "share + debt", and the municipal, regional and social funds have jointly established a "capital pool" with a total scale of more than 35 billion yuan to support equity financing of listed companies.

In view of the difficulty in financing private enterprises, the financing guarantee fund of Beijing has been expanded to 10 billion yuan, and a rediscount amount of 7 billion yuan has been set up to support private and small and micro enterprises.

In addition, not long ago, a special working group was set up in Shenzhen to arrange tens of billions of special funds to coordinate and coordinate the issue of stock pledge risks of Listed Companies in the jurisdiction. Shanghai set up a rescue fund for listed companies with a scale of 10 billion yuan, increasing the liquidity of key private enterprises such as leading industries, large employment and strategic emerging industries.

3. Force business environment

"Planted the phoenix tree, attracting Phoenix."

A good business environment is a booster for the development of private enterprises, which can significantly reduce the institutional paction costs of enterprises.

To optimize the business environment is to protect the entrepreneurial spirit and stimulate the vitality of the market, that is, to enhance competitiveness.

In recent years, the northeast region has focused on the short business environment.

The Heilongjiang Provincial Higher People's court has issued a series of opinions on the provision of effective judicial services and strong judicial protection for the development of private economy, and the ten measures of Heilongjiang's procuratorial organs serving the private economy.

And in the morning of October 28th, the Heilongjiang business environment construction supervision bureau was formally set up to build a unified leadership, uniform power and responsibility, authoritative and efficient business environment construction system and mechanism.

Liaoning is the forerunner of setting up the Supervision Bureau of business environment construction, but in this year's provincial institutional reform, Liaoning changed its name to "business environment construction bureau", and removed two words of "supervision".

The relevant person in charge of Liaoning province said that removing "supervision" is not "unsupervised", but shifting the focus of work from supervision to the overall construction of the business environment, and will focus on institutional mechanisms in the future.

In this year's institutional reform, Jilin province has established the provincial administration and Digitalization Construction Management Bureau, one of its duties is to optimize the business environment construction.

In other parts of the country, the measures to optimize the business environment are constantly innovating and advancing.

In October 24th, "Zhejiang province runs the office of reform at most," the listing of the name "slightly independent" new Department has become a brilliant sign of Zhejiang reform.

Business runs only once, and is widely praised by business owners.

Jiangsu Province proposed to promote the standardized construction of "no meeting and approval", and strive to achieve the goal of "3550" reform before the end of this year. That is to say, enterprises will be established within 3 working days, real estate registration will be obtained within 5 working days, and construction licenses for industrial construction projects will be obtained within 50 working days.