Source: People's Daily - People's Daily
Small and medium-sized enterprises are large in number and wide in scope, energetic and spiritual, and are an important foundation for stabilizing the economy and the main support for stabilizing employment. This edition recently launched a series of reports and opened a special page for soliciting opinions and suggestions on the People's Daily "Leadership Message Board" to understand the business difficulties of small and medium-sized enterprises. Up to now, nearly 3,000 messages and letters have been received, and many places and departments have actively responded to the handling, and related issues have been solved one after another, helping a group of small and medium-sized enterprises overcome current difficulties and achieve stable and healthy development.
Rent, loans, and subsidies are the "urgent" that small and medium-sized enterprises are concentrated in this summons, and housing rent reduction, inclusive financial loans, and full subsidies have become the "urgent" that small and medium-sized enterprises are concentrated in this summit, accounting for 50%, 20% and 16% of messages and letters, respectively.
Mr. Xu, who runs an art studio in Beijing, said that due to the impact of the epidemic, he had almost no income in the first four months of this year. "Employees' wages must be paid and rent must be paid, which is very stressful." There was a turning point at the end of May, "When I went to renew the contract, the landlord told me that I would be exempted from rent in the next six months!" It turned out that Beijing introduced measures to help enterprises alleviate their difficulties, helping him reduce rent by nearly 1.2 million yuan in total.
Mr. Gao from Yangzhou City, Jiangsu Province runs a logistics enterprise to provide road transportation supporting services for natural gas manufacturers. However, due to the impact of the epidemic, relevant manufacturers in the Yangtze River Delta region did not start construction. "I have to repay a loan of 400,000 yuan every month, but I really can't afford it recently." Mr. Gao hopes that the bank can increase loans and help him overcome the difficulties. After receiving the message, the relevant departments communicated with the local bank as soon as possible. The staff came to the door to connect in the afternoon of the same day, and the loan increase matters were put on the agenda.
Ms. Zhang, the head of a nursing home in Lishui City, Zhejiang Province, wrote a letter saying: "Affected by the epidemic, no new customers have been moved in to the nursing home, but the staff have been in the hospital for a long time. The income has decreased and the operating costs have continued to increase." In response, the local government promptly distributed one-time relief subsidies to private nursing homes. "More than 60,000 yuan has been received, alleviating the operating pressure." Ms. Zhang said.
Leasing state-owned houses is reduced to 3-6 months of rent, with a six-year delayed payment period, insisting on "unsubsidized supply of unemployment fees" for water, electricity and gas. The proportion of financial support for general small and micro loan support tools has increased from 1% to 2%, and optimizing the unemployment insurance job stability refund policy... The State Council has issued 33 packages of economic stabilization measures from six aspects, including 14, 24 supporting small and medium-sized enterprises, and providing "real money" to help market entities.
"Reducing costs is an important part of enhancing the sense of gain of enterprises. The three measures of rent reduction, loan increase and subsidy focus on operating costs, which are the most direct and easiest to achieve results." Wang Jinbin, a professor at the School of Economics of Renmin University of China, said that the policy aims at pain points and needs to be implemented conscientiously by local relevant departments. The mechanism of these three measures is clear and plays a key role in protecting market entities and protecting industrial chain and supply chain. "Due to the different financial and financial situations in various places, it is recommended that local governments combine their own actual situation and compare the package of policies and measures to stabilize the economy to find shortcomings and breakthroughs to ensure that relief policies effectively benefit small and medium-sized enterprises."
Increase financial support for small and micro enterprises, boosting market entities' confidence
Netizens in Kunming City, Yunnan Province leave a message: "I am a post-90s generation and start my own business." In grain trade, the business is not easy to do, and I hope to provide low-interest entrepreneurship loans to small enterprises"; the person in charge of a technology-based small and micro enterprise in Shanghai wrote a letter to report: "The company is small in scale, and there are no assets to be mortgaged, and it is impossible to get a loan to continue to expand its development"; Mr. Xie, a tourism practitioner from Ganzi Tibetan Autonomous Prefecture, Sichuan Province, left a message and suggested: "Focus on the difficulties in the development of the tourism industry, and implement effective and feasible restructuring, extension or borrowing new or repaying old loans to enterprises."... In the first half of the year, there were many small and medium-sized enterprises worried about working capital. In the messages and letters, individual retail and service industries have reported a lot. Judging from the response and completion rate, increasing financial support for small and micro enterprises has achieved obvious results.
In Tongxiang City, Zhejiang Province, Jiakai Textile and Garment Company has served major brands for a long time, with a turnover of more than 7 million yuan in previous years in autumn and winter. "This year, it is less than 3 million yuan, a reduction of nearly 60%. "Mr. Zhu, the head of the company, said, "The orders in March will not be completed due to the complex epidemic situation, and the order volume will be postponed, and the order volume will be severely reduced.At that time, our capital chain was about to be broken and the bank loans could not be paid. "
Seeing that the company was facing a crisis of closure, Mr. Zhu reported his business difficulties through a message. In response, the local Wutong Street Economic Development Center came to understand the situation and coordinated the relevant banks to connect in a timely manner. After negotiation, Mr. Zhu turned around with a capital of 500,000 yuan. "This is equivalent to a delayed repayment of 500,000 yuan. The bank staff told me that if I am still affected by the epidemic a year later, I will continue to help me turn over my funds. "Mr. Zhu said that the relevant departments and banks are very strong from policies to services. "The epidemic situation has improved recently and the sales have resumed growth. I am more confident and confident."
data shows that at the end of June, the balance of inclusive small and micro loans increased by 23.8% year-on-year, 12.6 percentage points higher than the growth rate of various loans; the number of inclusive small and micro credit accounts was 52.39 million, an increase of 36.8% year-on-year. "The continued growth of loans in corporate sectors is an important driving force for credit growth. "Wen Bin, chief economist of Minsheng Bank, believes that since this year, finance has increased its support for industry enterprises affected by the epidemic, especially small and micro enterprises, to boost the confidence of market entities.
It is understood that in the first half of the year, the People's Bank of China strengthened policy support for industry enterprises affected by the epidemic, and jointly issued policy measures such as increasing support for small and medium-sized enterprises: on the one hand, it promotes the establishment of a long-term mechanism for financial services for small and micro enterprises to dare to lend, willing to lend, can lend, and can lend, further optimize resource allocation, strengthen technological empowerment and product innovation, and enhance the willingness, ability and sustainability of financial institutions to serve small and micro enterprises; on the other hand, it promotes the application of credit information sharing, and opens up bank-enterprise docking channels through offline active visits and online service platform pushes, etc. At present, a total of 648,000 companies have been established nationwide due to the epidemic The catalogues affecting the industry and core supply chain enterprises have issued a total of 9.6 trillion yuan of loans. At the same time, 215.5 billion yuan of special financial bonds for small and micro enterprises were issued in the first half of the year, effectively broadening the source of credit funds for small and medium-sized banks.
Wang Jinbin believes that the next step should continue to implement the implementation of "encouraging the implementation of postponed principal and interest repayment for small and medium-sized enterprises and individual industrial and commercial households" and "increasing support for general small and micro loans" have been introduced to improve the efficiency of capital market integration, guide financial tools innovation, establish a green channel for small and micro enterprises, green enterprises, and "double innovation" enterprises, and provide credit financing support and government-enterprise cooperation resources for enterprises in key areas.
From policy to service, the atmosphere of all parties participating in relief and assistance is forming
Only when small and medium-sized enterprises are good will China's economy be good. Since the beginning of this year, the CPC Central Committee and the State Council have attached great importance to the development of small and medium-sized enterprises, and have made a series of decisions and arrangements around small and medium-sized enterprises to alleviate difficulties. All localities and departments have thoroughly implemented it to form a "combination punch" from policy to service.
looks at policies, with strong targetedness, wide coverage and high coordination -
national level has introduced various policy measures, increasing the assistance to small and medium-sized enterprises from three aspects such as delaying payment of pension and promoting financing for small and medium-sized enterprises. Local governments have also introduced specific measures to make the "real money" implemented. Wenzhou City, Zhejiang Province has reduced rent by 406 million yuan for relevant market entities, benefiting 17,300 tenants; Anshan City, Liaoning Province has reduced 17,300 enterprises Unemployment insurance premiums are levied 59 million yuan, and social insurance premiums are 3.9181 million yuan... These policies and measures form a joint force with the policies that have been introduced in the early stage to promote the solution of practical difficulties faced by small and medium-sized enterprises such as insufficient cash flow, high pressure to repay principal and interest, and continuous market demand.
looks at services, promotes that households and people are not missed, and "enjoy all the people should be enjoyed" -
Ministry of Industry and Information Technology has implemented four special actions: "Together to benefit enterprises" small and medium-sized enterprises services, prevent and resolve the arrears of small and medium-sized enterprises, "joint action" for the integration and innovation of large and medium-sized enterprises, and digital empowerment of small and medium-sized enterprises, focusing on shortcomings and weaknesses, organizing various high-quality resources to enter enterprises, and providing precise and efficient services. The All-China Federation of Industry and Commerce, together with many industry associations and financial institutions, has continuously carried out the "micro-assistance plan". In the past two years, the financial institutions participating in the plan have served more than 3 million small and micro customers per month on average, and the cumulative loans have exceeded 4 trillion yuan...
According to the message and letters, the atmosphere of all parties participating in the relief and assistance of small and medium-sized enterprises is being formed, from the central government to the local government, from the industry to the platform.In particular, the platform economy has played a role in activate private investment and “transfusion of blood and energy” for small and medium-sized enterprises in key industries. For example, for some time, the tourism industry has been significantly impacted by the epidemic. As an online travel platform, Ctrip Group helps to build local rural brands, expands rural tourism product sales through multiple channels online and offline, and jointly invests in the construction of vacation farms with governments in many places, and drives the high-quality development of local small and medium-sized tourism enterprises in terms of talent training and experience promotion.
htmlOver 0.16 billion market entities are the new force in my country's economic and social development, and are an important force in expanding employment, promoting entrepreneurship and improving people's livelihood. In the future, the relief effects of stabilizing market entities will continue to appear. Many netizens and readers expressed that they hope that all localities will take the lead and make appropriate efforts to promote the implementation of a package of policies and measures to stabilize the economy as soon as possible, and have a greater policy effect on stabilizing the economy and helping enterprises alleviate their difficulties as soon as possible.(Yang Ziyan participated in the editing and writing)
Data source: People's Bank of China, People's Daily,
Map: Zhang Fangman "People's Daily" (02 edition, July 26, 2022)
