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Abstract Zhejiang leads college graduates to SMEs to employment at the grassroots level. In September, the Zhejiang Provincial Government issued the "Opinions of the Zhejiang Provincial People's Government on Further Improving the Employment of Graduates of Ordinary Colleges and Universities" to guide college graduates to the employment of SMEs. Go to grassroots employment and self-innovation...

Zhejiang guides college graduates to SMEs to employment at the grassroots level

In September, the Zhejiang Provincial Government issued the "Opinions of the Zhejiang Provincial People's Government on Further Improving the Employment of Graduates of Regular Colleges and Universities" to guide college graduates to employment in SMEs, to grassroots employment and self-employment, and to provide certain subsidies.

According to the "Opinions", college graduates choose to apply to SMEs and can directly receive corresponding subsidies. At the same time, in order to further increase the promotion of college graduates to the grassroots level of employment, college graduates can also get employment subsidies to the grassroots employment. College graduates can enjoy wages and grading preferential policies when they go to institutions and institutions in underdeveloped areas in the province.

The "Opinions" pointed out that college graduates can enjoy a discount of 200,000 yuan for small guaranteed loans if they start their own businesses. Funding subsidies can be enjoyed for college graduates' entrepreneurship counseling services and the construction of college employment and entrepreneurship guidance stations.

Shanghai: Government purchases of public service innovative SME service

At the special press conference of the Shanghai Municipal Government held on September 6, Jiang Zhuoqing, deputy secretary-general of the Shanghai Municipal Government and director of the Municipal Finance Bureau, said that the Shanghai financial department would adopt the government's purchase of public services and entrust the accounting firm to such a The annual financial accounting statements of small and micro enterprises provide auditing services for certified public accountants to ensure the authenticity of corporate financial accounting information.

At present, among the more than 300,000 SMEs in Shanghai, only 10% of all SMEs have a financing relationship with banks. One of the important reasons for such a low ratio is that most SMEs have small assets, weak financial management, and inadequate accounting credit. Commercial banks’ loan spreads to SMEs, especially SMEs, are insufficient to cover relevant credit. risk.

To this end, the Shanghai Municipal Government has decided to apply for a loan to a commercial bank for the first time in Shanghai, which is the first time to apply for a loan from a commercial bank. If the commercial bank has a loan intention after the initial review, it needs to further verify the financial information of the enterprise. The demand can be raised, and the enterprise also has the will. The Shanghai financial department will adopt the method of the government to purchase public services, and entrust the accounting firm to provide the CPA auditing services for the annual financial accounting statements of such small and micro enterprises to ensure the financial accounting information of the enterprise. Honest and reliable. On this basis, the financial department will incorporate the above-mentioned annual financial accounting statements of small and micro enterprises audited by certified public accountants into the unified management of the financial accounting database information platform of Shanghai, and be a financial institution, financing guarantee company, and small and medium-sized enterprise in Shanghai. The financing, guarantee, listing, government procurement, business bidding, etc., provide standardized, effective and safe financial accounting information inquiry services, in order to continuously improve the social credit of the majority of SMEs in this city.

Xinjiang introduced measures to promote the development of small and medium-sized enterprises

In September, Xinjiang issued the “Regulations on the Implementation of the Autonomous Region on Promoting the Development of Small and Medium-sized Enterprises” (hereinafter referred to as the “Rules”). The "Rules" in the implementation of the advice to help SMEs optimize the development environment, strengthen fiscal and tax support, ease financing difficulties, expand service channels, promote structural optimization, improve management level, etc. 26 in accordance with the functional division of the various departments of the operational level Refine the decomposition.

In terms of relaxing market access, the "Rules" actively support the relaxation of the company's non-monetary contribution methods, the relaxation of pre-approval and registration conditions for corporate names, the support of enterprises in Xinjiang's jurisdiction, the registration of decentralized enterprises, and the implementation of the initial registration system. .

The "Details" has made detailed provisions in support of enterprise formation groups in Xinjiang. If the registered capital of the parent company reaches 30 million yuan and the registered capital of the parent company of the group reaches 50 million yuan, it is allowed to apply for the establishment of an enterprise group. For enterprises emerging in strategic emerging industries such as emerging energy, new materials, advanced equipment manufacturing, energy conservation and environmental protection, biology, information, and clean energy vehicles, the name of the enterprise cluster can be crowned with the “Xinjiang” administrative division, and the above-mentioned enterprises form enterprise groups. If the registered capital of the parent company is not less than 10 million yuan and the registered capital of the parent company is not less than 30 million yuan, it may apply for the establishment of an enterprise group.

According to the "Rules", SMEs will be able to absorb the employment of Xinjiang-based workers. Specifically: 1. If SMEs newly recruit employment-employed persons, they will be given a social insurance subsidy of no more than three years according to the actual basic pension insurance, basic medical insurance and unemployment insurance premiums paid by the enterprise. 2. For SMEs with current difficulties in operation, extend the implementation period of the phased social insurance premium or lower rate policy to the end of 2015, and provide social insurance subsidies or post subsidies and on-the-job training subsidies for a certain period of time. 3. Intensify labor inspection, recruit new employees for all types of enterprises registered in Xinjiang and enterprises that undertake production, operation and engineering projects in Xinjiang, and employ no less than 50% of employees in Xinjiang, and give 50% pension insurance. subsidy. 4. For newly-employed graduates of three-state, minority or female colleges and universities in southern Xinjiang, if they obtain loans, they can enjoy a discount of 50,000 yuan per person per year. The term of interest subsidy is consistent with the actual performance period of the labor contract, and the maximum period is no more than 5 years. 5. Provide training subsidies to enterprises that carry out pre-job skills training and order training. 6. Encourage the apprenticeship unit to recruit the trainee graduates who have not completed the probationary period in advance. If the employer has signed a labor contract with a period of more than two years and has paid the social insurance premium, the remaining period maturity subsidy may be reissued. Trainee unit. 7. For college graduates to achieve successful entrepreneurship through small-sum secured loans, pay off the loans on time and in full and drive more than three people, they can provide secondary small-sum guarantee loans. 8. Public welfare employment agencies at all levels of labor and social security departments shall provide free employment introductions for all types of private enterprises and individual industrial and commercial households to recruit laid-off and unemployed persons, and provide labor security agency services.

According to the "Rules", the special funds for the development of small and medium-sized enterprises in the autonomous region will increase to 100 million yuan in 2010, and will increase by 20% year by year. From 2010 to 2020, the key counties and border counties in poverty-stricken development in southern Xinjiang and other countries will be The newly-established enterprises within the scope of the “Regulations on Income Tax Concessions for Key Industrial Entrepreneur Development in Difficult Regions of Xinjiang” shall be exempted from corporate income tax for the first to second years from the tax year in which the first production and operation income is obtained, third to fifth. The enterprise income tax shall be halved in a year; small loan companies, financing guarantee companies, re-guarantee companies, equity custody centers, small and medium-sized venture capital companies, equity investment companies, and equity investment management companies shall enjoy the taxation of the first production and operation income. From the beginning of the year, the local share of corporate income tax will implement the “two exemptions and three reductions” preferential policy.

The "Rules" require all financial institutions to improve the credit assessment system for small enterprises; the average balance of SME loans of financial institutions has increased by more than 15% year-on-year, and the autonomous regions have given a certain proportion of incentives; according to the characteristics and actualities of SMEs, SMEs are reasonably set. The risk supervision standard for loans is to conduct a separate assessment of non-performing loans for SMEs.

The "Rules" clearly must actively implement the various preferential policies of the China Securities Regulatory Commission to support the listing of Xinjiang enterprises, and foster a group of growth-oriented, technology-based SMEs to be listed on the GEM and SME board.

The "Rules" also proposes to strengthen the support for professional public technology service platforms, focusing on cultivating SMEs' public technology service platforms in industries such as machinery, textiles, national medicine, petrochemicals, and special light industry.

In terms of scientific and technological innovation, the “Rules” encourage small and medium-sized enterprises to speed up the upgrading of products and technologies, and grant financial subsidies of not more than 500,000 yuan to new products and new technologies (new processes) identified through the autonomous regions; Develop demonstration bases, grant financial subsidies of no more than 1 million yuan to industrial trials (pillar trials) for industry-university-research cooperation; 3. Encourage SMEs to actively participate in the development of strategic emerging industries in autonomous regions, for emerging energy, new materials, and advanced Technical innovation and industrialization projects in the fields of equipment manufacturing, energy conservation and environmental protection, information, biology, and clean energy vehicles will be subsidized by no more than 1 million yuan.

Chongqing has formulated seven measures to further promote the development of micro-enterprises

In September, Chongqing Municipal Administration of Industry and Commerce held the city's industrial and commercial system micro-enterprise development work conference, and formulated seven measures to further promote the development of micro-enterprises in Chongqing.

First, pay attention to the development of quality, do a good job in industrial guidance, optimize the industrial structure, promote balanced development, and ensure the development of 25,000 micro-enterprises. Second, for different groups of people, adopt various forms, flexible and diverse ways, increase publicity efforts, and further create a community-wide entrepreneurial atmosphere. The third is to fully implement the “1+3” policy and take the lead in coordinating relevant departments to introduce supporting measures to enable micro-enterprise financial and tax support policies to play a role. The fourth is to improve the system design, establish a unified micro-enterprise information exchange system in the city, establish and improve the micro-enterprise exit mechanism, and accelerate the promotion of micro-enterprise legislation. The fifth is to comprehensively start the work of the micro-enterprise association, further improve the micro-enterprise entrepreneurship platform, provide account-sharing, financing venture capital and legal rights protection services for micro-enterprise; organize innovative micro-enterprise evaluation, “contract-honoring and credit-worthy” micro-enterprise publicity and micro-enterprise Trademark development and other activities. Sixth, combined with the annual inspection of the enterprise and the daily inspection and supervision work, we must do a good job in daily supervision and inspection, and focus on checking whether there are “empty shell companies, capital evasion and speculative operations”. And carry out major inspections of district and county micro-enterprise development work. The seventh is to strengthen the follow-up assistance of micro-enterprise, focusing on the assistance and decomposition tasks of 1000 micro-enterprise enterprises issued by the Chongqing Municipal Government, and carry out all-round assistance to improve the survival rate of micro-enterprises.

Shandong increased financial and tax support for small and medium-sized enterprises

1. Establish a small enterprise loan risk compensation and reward mechanism to guide banking financial institutions to increase credit support for small businesses. Since 2010, Shandong Province has set up a small enterprise loan risk compensation incentive fund to provide risk compensation and rewards to eligible banking financial institutions, and guide financial institutions to increase credit support for small businesses.

Second, improve the risk compensation and capital injection mechanism for SME credit guarantees, and improve the risk-taking and financing guarantee capabilities of guarantee institutions. Through various channels such as Shandong provincial financial budget arrangement and the support of special funds for the central government, the SME credit guarantee institutions and SME credit re-guarantee institutions will be strengthened to enhance their business capabilities, expand the SME guarantee business, and improve the financing environment for SMEs.

Third, establish a linkage mechanism between financial support funds and bank credit funds to promote independent innovation and technological progress of SMEs. Focus on the use of fiscal interest subsidies, attract bank funds to SMEs, support the implementation of SMEs technology innovation plan, SME growth plan, special industry improvement plan and small business development plan.

Fourth, improve the company's listing support and guidance mechanism, and vigorously promote the direct financing of high-quality SMEs. Gradually expand the scale of special support funds for listing enterprises, improve the mechanism for the listing of SMEs, and accelerate the direct financing of listings.

V. Improve the guiding mechanism for venture capital and guide social capital to increase investment in small and medium-sized enterprises. Accelerate the operation of provincial-level venture capital guiding funds, continuously expand the fund scale, guide and support social capital in and outside the province to establish venture capital enterprises in Shandong Province through stage participation, follow-up investment, financing guarantee, etc., and encourage venture capital enterprises to give priority to support. Technology-based SMEs and small and medium-sized high-tech enterprises during the seed period and expansion period.

Shenzhen local characteristic industry SMEs can receive up to 3 million yuan from the government

In order to further support the development of local characteristic industries, the “Implementation Rules for the Interim Measures for the Management of SMEs' Development Funds in Shenzhen Local Characteristic Industry” formulated by the Shenzhen Municipal Finance Committee has recently arrived. According to the detailed rules, the government will increase support for small and medium-sized enterprises in local characteristics through grants and loan interest subsidies, with a maximum of 3 million yuan.

The detailed rules indicate that the funds for special industries are mainly used to promote technological innovation and transformation of small and medium-sized enterprises, encourage energy conservation and emission reduction of small and medium-sized enterprises, strengthen professional cooperation between small and medium-sized enterprises and backbone enterprises, support industrial upgrading and extension of small and medium-sized enterprises, and improve the service environment of small and medium-sized enterprises. . In the same year, each project unit can only apply for one support method, and only one of the contents can be selected to apply for financial support.

According to the detailed rules, the support method for the characteristic industry funds adopts the method of free subsidy and loan interest subsidy. Among them, the non-reimbursed subsidy adopts the method of pre-recording and post-funding. After the completion of the project, the project unit can apply for free grant according to a certain proportion of the actual investment of the project, but the maximum is no more than 50%, and the maximum subsidy for a single project is no more than 3 million yuan; The discount interest shall be applied after the completion of the project. The discount interest amount shall be determined according to the loan amount of the project and the benchmark loan interest rate announced by the People's Bank for the same period. The discount period for each project is no more than 2 years, and the subsidy for individual projects is not more than 3 million yuan in principle.

Liaoning set up a small and medium enterprise service platform Established "SME Service Alliance"

More than 200 public service platforms for various types of small and medium-sized enterprises from all over Liaoning Province officially established the “Liaoning SME Service Alliance” in Shenyang in September, which will provide more convenient and efficient services for SMEs.

The "Service Alliance" is a non-profit joint organization composed of various public service platforms and professional service units in Liaoning Province on the principle of equality, mutual assistance and common development. The "Service Alliance" will assist the government's SME management department to implement the policies and measures for the development of SMEs, promote the healthy development of SMEs, contact and guide various service organizations in the society, and provide corresponding quality around the key tasks of SMEs at all levels of government. Service, and carry out collaborative services for SME service organizations.

At present, the "Service Alliance" is working hard to build a network of public service platforms for small and medium-sized enterprises in Liaoning Province. The platform network will provide “one-point” calls, flexible transfer, and coordinated response through the interconnection and interoperability of various SME public service platforms and SMEs, information sharing, resource pooling, complementary functions, and service coordination. , personnel training, technical support, entrepreneurship counseling, market development, management consulting, financing guarantees, legal rights protection and other services.

Inner Mongolia supports fiscal development with the help of fiscal and taxation policies

In recent years, Inner Mongolia has implemented a series of preferential fiscal and taxation policies to support the development of SMEs. At present, the number of individual industrial and commercial households in the region has grown to about 814,000, and the number of private enterprises has grown to about 125,000, attracting about 2.8 million people, which has become one of the main driving forces for local economic development.

Since 2006, Inner Mongolia has set up special funds for SME development and subsidies for technological progress of SMEs. Over the past six years, it has invested a total of about 594 million yuan to support a total of 861 SMEs and projects.

In recent years, Inner Mongolia has also increased the clean-up of charges for various administrative undertakings. On the basis of the cancellation of 100 administrative fees by the state, Inner Mongolia has successively cancelled and cleared 108 administrative fees in recent years, benefiting a large number of small and medium-sized enterprises.

In addition, Inner Mongolia also reduces the relevant taxes for small and medium-sized enterprises, and imposes a corporate income tax rate on small-scale and low-profit enterprises at a rate of 20%. For small-scale taxpayers, the value-added tax is levied at a rate of 3%. The tax burden of small businesses.

Chongqing City creates urban industrial parks to promote the development of small and medium-sized enterprises

On September 16, C Zone of Chongqing Shuguang Urban Industrial Park officially opened. Dong Shukui, Chairman of the Board of Supervisors of the State-owned Assets Supervision and Administration Commission, Vice Chairman of the National Federation of Industry and Commerce, Vice Chairman of the Chinese Chamber of Commerce, Shen Jianguo, Ministry of Industry and Information Technology, Ministry of Human Resources and Social Security, Chongqing Municipality The relevant leaders of the SME Bureau and Jiangbei District and Gangcheng Industrial Park of Chongqing attended the opening ceremony. After the ceremony, the Chongqing SME Bureau organized a symposium on the construction of a national-level SME demonstration base.

Chongqing Shuguang Urban Industrial Park was officially named by the Chongqing Municipal People's Government in September 2006. In March 2007, the Shuguang Urban Industrial Park Management Committee was established under the organization of the Municipal Small and Medium Enterprise Bureau, the Jiangbei District Economic Commission and the Gangcheng Industrial Park Management Committee. In 2008, under the guidance of the Municipal Small and Medium Enterprises Bureau, the Shuguang Urban Industrial Park and other industrial park construction units jointly initiated the establishment of the Urban Industrial Park (Building) Enterprise Association, and elected the Shuguang Urban Industrial Park as the president of the Association. The whole park is divided into Area A, Area B, Area C, Area D and Area E, with a total construction area of ​​600,000 square meters. At present, Areas A and B have been completed, more than 150 enterprises have been recruited, and more than 8,000 people have been employed. The construction area of ​​Shuguang C District is 150,000 square meters, and 125 small and medium-sized enterprises will be introduced. The park follows the tenet of “intensive use of land, upgrading of the operating environment of SMEs, and efforts to build a platform for SME development” and the concept of integrated services of production, living and ecology, enabling the construction of the park and large enterprises, characteristic industries and urban development. At the same time, we have established a service platform and logistics support system for the development of small and medium-sized enterprises, improved the production and operation environment, solved financing guarantees and other issues, and accumulated experience in attracting private investment, supporting industry development, and improving the organizational system. The demonstration role, jointly selected by the China Small and Medium Enterprises Annual Meeting Organizing Committee and the China Small and Medium Business Enterprise Association, won the 2010 Best National Park for the Development of Small and Medium Enterprises in China.

Henan encourages SMEs to absorb graduate employment

In September, the Henan Provincial Government issued the Notice on Further Improving the Employment of Graduates of Regular Colleges and Universities (hereinafter referred to as the “Notice”), aiming to promote the employment of college graduates in Henan Province as soon as possible through a number of support policies.

The "Notice" proposes that SMEs will be encouraged to absorb the employment of college graduates through the following two measures: (1) Implementing preferential policies for SMEs. For the recruitment of college graduates to a certain number of small and medium-sized enterprises, local finance should give priority to supporting the development of small and medium-sized enterprises, and give priority to providing technological transformation loans. In the same year, newly recruited labor-intensive small enterprises that have registered unemployed college graduates to reach more than 15% of the total number of employees in the enterprise (up to 10% of enterprises with more than 100 employees) can apply for a small amount of up to 2 million yuan according to regulations. Secure the loan and enjoy the financial discount. If an enterprise recruits college graduates who are in difficulty in employment, signs labor contracts and pays social insurance premiums, they shall be given social insurance subsidies according to regulations. College graduates who are employed by SMEs enjoy the same treatment as similar personnel of state-owned enterprises and institutions in the aspects of professional technical title appraisal, research project funding application, scientific research achievements or honorary title declaration.

(2) Reducing the entry barrier for SMEs. We will relax restrictions on SME registration, name verification, capital contribution, business premises, etc., further improve the development environment of SMEs, and vigorously develop labor-intensive industries, service industries, small and micro enterprises and innovative technology enterprises, and implement SME support policies and We will do a good job in combining the employment of college graduates and encourage SMEs to actively absorb college graduates.

Shaanxi Province first formulated an assessment method for the development goals of SMEs

In order to implement the “Implementation Opinions of the Shaanxi Provincial People's Government on Further Promoting the Development of Small and Medium-sized Enterprises”, Shaanxi first formulated an assessment method for the development goals of SMEs, and strengthened the monitoring of the development of SMEs through the assessment of the objectives of the municipal, district and county governments. Evaluation and assessment, fully encourage and mobilize the enthusiasm of local development to accelerate development.

The scope of assessment is 10 districts and cities in the province, Yangling demonstration zone and 107 counties (districts and municipalities). The assessment index system consists of two categories: development indicators and service system construction indicators. Among them, the development indicators include the number of new small and medium-sized enterprises, the number of new industrial enterprises above designated size, the number of newly-employed enterprises in SMEs, the operating income and growth rate of small and medium-sized enterprises, the amount of fixed assets investment and growth rate of small and medium-sized enterprises, and various high-tech The operating income of small and medium-sized enterprises in districts, development zones, and county parks accounts for the proportion of the operating income of all small and medium-sized enterprises. The service system construction indicators are in accordance with the "Guiding Opinions on the Construction of SME Service System in Shaanxi Province", and the specific contents are determined at the beginning of the year when the assessment target plan is issued according to the key points of the annual service system construction.

The assessment adopts a comprehensive score method. According to the results of the evaluation scores, the rankings of the development goals of the 11 urban areas, 83 counties (cities) and 24 urban SMEs were determined. The Shaanxi Provincial Bureau of Small and Medium Enterprises announces the results of the assessment of the development goals of the province's SMEs in the previous year before the end of April each year.

The Shaanxi Provincial Government has awarded the top four cities in the city, the top 15 counties (cities) and the top five cities in the comprehensive assessment of the development goals of SMEs, and awarded the annual “Advanced Unit for SMEs in Shaanxi Province”. The counties (districts and municipalities) that rank the top 10 in terms of the growth rate of SMEs' operating income are awarded the “Shaanxi SME Development Contribution Award”, which will be given a report and reward.

Shanxi Finance Funded to Support SMEs' Technological Innovation

In order to give full play to the role of financial funds in driving and guiding, and support the technological innovation of small and medium-sized enterprises, the Shanxi Provincial Department of Finance has formulated the "Measures for the Management of SMEs' Technology Innovation Funds", which focuses on supporting SMEs in line with national industrial technology policies and high levels of innovation. A technological innovation project with strong market competitiveness, expected economic and social benefits, and clear intellectual property rights.

SMEs supported by financial funds include electronic information technology innovation, research and development and utilization of new materials technologies, research and development and utilization of new energy and energy-saving technologies, research and development and utilization of resources and environmental technologies, research and development of biological and new medical technologies, and aviation. Six aspects of research and development and utilization of aerospace supporting technology and high-tech service industry.

In terms of the amount and method of funding subsidies. The supporting funds mainly provide guidance support to SMEs' technological innovation projects by means of unpaid subsidies and loan interest subsidies. Appropriate free subsidies for the necessary expenses of the SMEs' technological innovation products in the research, development and pilot stages will be provided. The amount of subsidies will be no more than 30% of the project investment amount, and each project will generally not exceed RMB 1 million. The SMEs' technological innovation products have certain innovations, need to invest in large R&D funds, or need to be piloted to expand the scale to form mass production and the banks have already given loans. The loans are subsidized and the discount interest is generally not more than 1 million yuan.

Tianjin Municipality promulgated the "Implementation Plan for the Use of Special Funds for the Development of Municipal Science and Technology SMEs"

In September, Tianjin Municipality issued the “Implementation Plan for the Use of Special Funds for the Development of Science and Technology SMEs in Tianjin City”. During the “Twelfth Five-Year Plan” period, Tianjin Municipal Finance will allocate 3 billion yuan of budgetary funds to finance and market the financial institutions. The way of operation and financial interest subsidies will provide financial support for the development of SMEs in the growth and development period. In order to give full play to the leading and magnifying role of special funds, the financial funds will guide the organization to raise 10.7 billion yuan.

The special fund of 3 billion yuan will be used in five forms: First, it will arrange 600 million yuan of free allocation of funds. Through the government's free grants, we will focus on supporting the construction of science and technology service platforms and awarding start-up technology-based SMEs funded by districts and counties. The second is to arrange 800 million yuan for commercial loan interest subsidies and guarantee fees. Focus on supporting the development of SMEs in the growth and growth period. According to the current annual benchmark interest rate of 6.8% and the guarantee fee of 1.2%, interest subsidies and subsidies are calculated. According to the two-year turnover, it can raise RMB 5 billion. The third is to arrange 900 million yuan for policy-guaranteed loan interest subsidies, guarantee fee subsidies and secured loan risk mortgages. Among them, 400 million yuan is used for policy-guaranteed loan interest discount and guarantee fee subsidy. The interest rate and subsidy are calculated according to the current annual benchmark interest rate of 6.8% and the guarantee fee of 1.2%. According to the two-year turnover, it can raise 2.5 billion yuan; 500 million yuan is used for policy. The security guarantee loan risk mortgage, according to the annual turnover, can obtain a policy-guaranteed loan of 2.5 billion yuan. The fourth is to arrange a government-based working capital of 300 million yuan. For those small and medium-sized enterprises that do not have the financing conditions for financial institutions, but with high technology content and good development prospects, the city science control group directly gives interest-free working capital support. Calculated by two years of five-year turnover, the funds can be enlarged to 600 million yuan. The fifth is to arrange equity investment guide funds of 400 million yuan. The city science control group will set up equity investment guidance funds to attract venture capital funds to follow up, and help enterprises solve the 2 billion yuan equity in accordance with the principle of government equity investment guidance funds 1:4. Financing.

For the SMEs identified by the Tianjin Science and Technology Commission in the growth period and the growth period, the special funds will be given a discount loan of not more than 500 and 10 million yuan for two years. At the same time, different types of technology-based SMEs will adopt different loan methods: projects for the expansion of new products, major scientific and technological achievements, and new process applications for high-tech SMEs with good business conditions and high bank creditworthiness. The relevant bank review may adopt a credit loan method; for small and medium-sized enterprises that are in good working condition and have development prospects and can provide land, plant and machinery mortgage or equity and intellectual property pledge, they may adopt a mortgage pledge loan method; A scientific and technological small and medium-sized enterprise that has good development prospects and cannot provide mortgage collateral. However, it can provide guarantees for guarantors and guarantee institutions approved by banks, and can adopt secured loans. According to regulations for technology-based SMEs in the growth and expansion period The procedures for reviewing and appraising and approving the implementation of the project are to spread the credit risk. Before applying for loans from the bank, the enterprise may insure the insurance company with the loan guarantee insurance. After the insurance company has qualified the enterprise, it will issue an insurance policy for the enterprises with complete procedures to apply for bank loans.

Xinjiang introduced measures to promote the development of small and medium-sized enterprises

The People's Government of Xinjiang Uygur Autonomous Region issued the "Implementation Opinions on Promoting the Development of Small and Medium-sized Enterprises" and its implementation rules, which put forward targeted support measures for accelerating the development of small and medium-sized enterprises.

First, strengthen policy support. Establish a government procurement independent innovation product system, and prioritize the selection of products and services for small and medium-sized enterprises of science and technology under the same conditions; financial institutions and professional guarantee institutions should give priority to credit support for technology-based small and medium-sized enterprises that receive government procurement contracts. Actively promote science and technology finance, set up pilot funds for venture capital investment in autonomous regions, and guide and encourage venture capital enterprises to invest in strategic emerging industries such as emerging energy, new materials, energy conservation and environmental protection, biomedicine, information networks and high-end manufacturing. Explore and promote intellectual property, patent pledge loans, and supply chain financing. Freely establish and improve the measurement and testing system for energy conservation, consumption reduction and emission reduction of enterprises, and guide and help small and medium-sized enterprises to adopt international standards and advanced foreign standards.

The second is to strengthen fiscal and tax support. The special funds for the development of small and medium-sized enterprises in the autonomous region reached 100 million yuan last year, and then increased by 20% year by year. They are mainly used to support the technological upgrading, brand building, service system and guarantee system construction of small and medium-sized enterprises. The special funds for technological transformation of the autonomous region mainly support small and medium-sized enterprises to adopt new technologies, new processes, new equipment and new materials, improve the level of technical equipment and product varieties, extend the industrial chain, increase added value, and enhance core competitiveness. Funds for the development and promotion of new products and new technologies in the autonomous region support small and medium-sized enterprises to carry out technological innovation activities in line with national industrial technology policies, high level of innovation, strong market competitiveness, better expected economic and social benefits, clear intellectual property rights, resource conservation and environmental protection. , scientific and technological achievements transformation activities and capacity building of enterprise technology centers. The development funds for small and medium-sized enterprises in the local characteristic industries of the autonomous region support the independent innovation of small and medium-sized enterprises in local industrial clusters, transform traditional crafts of folk characteristics, save energy and reduce emissions, and cooperate with large enterprises to promote the development of small and medium-sized enterprises clusters in characteristic industries. The special funds for the development of electronic information in the autonomous region have increased support for electronic information manufacturing, software and services, information technology applications and information projects. The special funds for the development of international market for small and medium-sized enterprises in the autonomous region, the promotion of foreign trade and economic development, and the promotion of the development of the domestic trade circulation service industry support the enterprises in foreign trade, resource cooperation and technical cooperation.

The third is to encourage research and development. The special funds for science and technology of the autonomous region mainly support the technological innovation of small and medium-sized enterprises, the transformation of scientific and technological achievements and the construction of a science and technology infrastructure platform. For technology entrepreneurship bases and technology incubators to successfully incubate small enterprises in the previous year, grants of up to 500,000 yuan will be granted. Encourage small and medium-sized enterprises to speed up the upgrading of products and technologies, and grant financial subsidies of no more than 500,000 yuan to new products and new technologies (new processes) identified through the autonomous regions. Encourage small and medium-sized enterprises to establish joint demonstration bases for production, study and research, and grant financial subsidies of not more than 1 million yuan to industrial trials (central pilot projects) for industry-university-research cooperation. Encourage SMEs to actively participate in the development of strategic emerging industries in the autonomous region, and grant no more than 1 million yuan to technological innovation and industrialization projects in the fields of emerging energy, new materials, advanced equipment manufacturing, energy conservation and environmental protection, information, biology, and clean energy vehicles. Financial fund subsidies. The patent implementation funds of the autonomous region will focus on supporting the transformation and industrialization of patent achievements of small and medium-sized enterprises, promoting scientific and technological innovation and forming independent intellectual property rights.

Financing guarantee policy:

Jiangxi's first provincial-level "SME Credit System Pilot Zone" was unveiled in Pingxiang

On August 30, Pingxiang Economic and Technological Development Zone became the first provincial-level “SME Credit System Pilot Zone” in Jiangxi Province. Pingxiang Economic and Technological Development Zone Management Committee signed a strategic cooperation agreement with commercial banks, and some enterprises also cooperated with commercial banks. Signed a financing agreement.

The construction of the credit system of SMEs is an important task for the PBOC to cooperate with local government departments and involve financial institutions, intermediaries and SMEs. The development of a credit system for SMEs is of great significance for building a new type of bank-enterprise relationship, reducing information asymmetry, solving the financing problems of SMEs, improving the credit awareness of SMEs, improving the local credit environment, and promoting local economic development. The promotion of the construction of the SME credit system pilot zone has helped financial institutions to better understand the business and credit status of SMEs, and has promoted SMEs to obtain more credit funding support.

Shanghai is expected to issue 10 billion SME policy financing guarantee loans this year.

The Shanghai Municipal Government announced on September 6 that in order to improve the financing environment for SMEs, the Shanghai Finance Department will arrange for the implementation of a total of 3 billion yuan of special funds to ease the financing environment for SMEs and encourage various capitals such as state-owned assets, foreign capital and private capital. In particular, various large-scale group companies have invested in setting up small loan companies, expanding their total size from the current 69 to 100, and the annual total loans reached 35 billion yuan. As of the end of August this year, Shanghai has implemented a policy financing guarantee loan of 6.1 billion yuan for SMEs, which is expected to exceed 10 billion yuan for the whole year.

Jiang Zhuoqing, deputy secretary-general of the Shanghai Municipal Government and director of the Shanghai Municipal Finance Bureau, said that in order to promote the accelerated development of commercial financing guarantee institutions in Shanghai, the Shanghai government recently agreed to introduce a new policy to support the development of guarantee institutions, and to meet the eligible key commercial financing. The guarantee institution will, according to the scale of the financing guarantee for the SMEs and the actual compensation losses, will be provided by the Shanghai-level and district-level financial guarantee guarantee funds, and will be given 20% to 40% of the SME projects, and the SMEs. 40% to 60% of the guarantee compensation for the compensation of the project.

At the same time, in order to further optimize the financing environment for SMEs in Shanghai, Shanghai Finance will arrange “three billions” to give full play to the guidance and amplification effect of special funds for finance. This includes: First, the establishment of a municipal level with a total scale of 1 billion yuan. The special funds for finance shall, through the relevant state-owned investment companies, support the various types of commercial financing guarantee institutions to continuously expand the capital scale and gradually enlarge the multiple of financing guarantee funds by means of investment in commercial financing guarantee institutions. Second, the total amount of the financing is 10 100 million yuan of technology credit risk compensation special funds, focusing on technology-based SMEs in three national-level science and technology parks such as Zhangjiang, Zizhu and Yangpu, and the technology-based SME loans issued by Shanghai commercial banks in the above-mentioned parks More than a certain percentage of the net loss of non-performing loans occurred. Under the premise of the due diligence review of the relevant commercial banks, the special risk of financial credit compensation financial special funds will be 50%; thirdly, the municipal finance and state-owned investment companies will jointly contribute Establish a special investment fund with a total scale of 1 billion yuan, and establish and trade Banks' investment and loans "," insurance "linkage mechanism, further support and guide commercial banks to continue to increase credit for SMEs tilt.

Commercial banks such as Shanghai Pudong Development Bank and Shanghai Rural Commercial Bank jointly launched a pilot program of “investment lending” and “insurance” to explore a virtuous cycle mechanism that is conducive to reducing the credit risk loss of commercial banks, and jointly support a group of high-tech and market prospects. The small and medium-sized enterprises in Shanghai, especially those with high development potential, will accelerate their development and realize the conversion and listing as soon as possible.

截至2011年7月，上海已经有69家小额贷款公司获批筹建，其中64家小贷公司正式开业，注册资本总额近70亿元，累计放贷15000多笔，超过300亿元，贷款余额4600余笔90余亿元。上海金融办表示，截至目前，上海已开业小贷公司均实现盈利，目前，上海市融资性担保公司规范发展工作已经进入“开业一批、筹建一批、审核一批、酝酿一批”的新阶段。

甘肃省采取措施积极缓解中小企业“融资难”问题

今年以来，甘肃省工业和信息化委员会针对中小企业的资金需求，积极采取搭建“银政投”融资服务平台、开展工业园区投融资服务平台试点、多元化推进股权融资等措施，有效缓解了中小企业“融资难”。

针对中小企业普遍缺少抵押物、市县担保公司实力较弱等情况，甘肃省工信委一方面积极引导甘肃省中小企业信用担保公司与市州担保公司“结对子”互保联保，壮大担保实力；另一方面，与国家开发银行甘肃省分行搭建起“银政投”融资服务平台，以政府推荐筛选项目、银行审核放贷、风险投资机构积极参与的形式，支持中小企业发展。截至目前，通过“银政投”模式，甘肃省中小企业信用担保公司已与5个市州的担保公司“结对子”，互保联保中小企业10户，担保金额1.2亿元；甘肃省国开行为15户中小企业发放贷款2.5亿元，全年预计将为30户企业发放贷款5亿元。

为集中解决工业园区企业融资难题，甘肃省工信委选择白银、天水、金昌、酒泉等国家级工业园区，启动了园区投融资服务平台试点。目前，由甘肃大象能源科技有限公司发起成立的白银高科中小企业投融资平台，已有三项成果：组织园区企业自愿组成贷款联保体，通过“联贷联保”形式向银行申请贷款；成功引进企业股权投资资金1500万元；与上海一投资机构签订私募股权基金定向投资合作协议，扶持1至2户发展有前景、产品有市场的科技型中小企业做大做强。酒泉、金昌、天水等地园区投融资平台试点工作，已进入具体实施阶段，有望在年内启动并逐步推进投融资平台在全省的推广和应用。

为拓宽中小企业直接融资渠道，甘肃省工信委会同甘肃银隆中小企业资产管理公司发起成立西北首家股权基金投资中心——甘肃中小企业基金投资中心，多元化推进股权融资。目前，该中心已对嘉峪关大有公司等企业进行了股权投资，并分别与金昌化工集团和天水天光厂签订投资协议，计划出资1.7亿元盘活金昌化工集团物流中心，投资2.6亿元与天光厂合作建设天水集成电路芯片制造产业基地。

湖南首创中南六省“税融通”业务 破解中小企业融资难问题

为破解中小企业“融资难”瓶颈，湖南省税务部门在今年6月正式推出中南六省首创、以纳税信用取得商业信用的“税融通”业务，此项业务由湖南省长沙、株洲、湘潭、岳阳、郴州、常德等市国家税务局、地方税务局联合交通银行推出，从“源头”帮助中小企业破解融资难问题。

该业务以中小企业良好的纳税信用记录为基础，根据中小企业的年纳税额、资产负债率、信用记录及企业业主从业经验等状况，以便捷的方式对按时、足额缴纳地税、国税且达到一定额度的中小企业，提供缴纳税额3倍的信贷产品，以“信”养“信”，以企业诚实纳税的良好信誉作为银行授信的重要依据。

根据要求，湖南省内持有有效工商营业执照的企业法人，只要符合交通银行湖南分行和税务部门的标准，即可带齐相关资料向交通银行湖南分行申请。税务部门将负责签署企业纳税情况和企业信用鉴定。借款人得到的授信业务资金限用于企业采购、生产、销售等阶段的短期流动资金需求，严禁信贷资金进入股市、期市或房地产等领域。

工商联携手邮储银行解决重庆市中小企业贷款难

9月，邮储银行重庆分行与重庆市工商联签署了《合作框架协议》。按照计划，未来5年内，重庆邮储银行将为重庆民营和中小企业提供共计300亿元的资金支持。

邮储银行重庆分行行长表示，合作内容包括：邮储银行重庆分行将向重庆市工商联所推荐的民营企业和中小企业提供个人商务贷款、小企业贷款、综合消费贷款、流动资金贷款、固定资产贷款、贸易融资、票据融资、项目融资等在内的信贷服务，以及创新抵押担保制度。

山东将建中小企业信用融资平台

为破解成长型中小企业发展中的资金制约，山东省中小企业办日前表示，将于今年下半年建立中小企业信用融资服务平台，通过打包推介、批量审查、集中授信、快捷融资的方式，满足中小企业资金需求，促进中小企业跨越发展。

该平台将由独立的第三方专业机构按照“独立核算、自主经营、自负盈亏、自担风险”的要求，进行市场化运作。通过对中小企业融资需求进行前期调研和项目把关，减少银行信贷环节和风险，通过择优选择、推介及信用融资服务平台的增信，提升中小企业的资信评级，增强银行投资的信心，降低中小企业的融资成本，提高企业贷款的成功率。

与此同时，该平台还将为中小企业提供投资咨询、经营管理、风险评估等服务，提高企业的信用意识和风险防范意识，帮助企业选择适合的商业银行和恰当的融资方式，使其能够短时间、低成本筹集到发展急需的资金。

该平台建成后，将通过专业化运作，将金融机构特别是股份制商业银行因人力、精力所限难以核实的中小企业有效信息，及经专业筛选后的成熟项目，批量、无偿地向工、农、中、建四大国有银行、农信社和各商业银行等金融机构进行推介，使其在较短时间内准确了解到企业的资产结构、经营状况、项目建设、融资需求、还款来源以及风险保证措施等情况;在此基础上快速形成投融资意见，为中小企业和金融机构搭建方便快捷、实时互动的对接平台，实现银企共赢。

广西多方联手解中小企业融资难题

今年以来，广西把加快中小企业发展作为产业优先发展、做大做强做优工业的重要组成部分，加快构建多层次多元化的中小企业融资服务体系。一是政府、银行、企业、担保机构四方协调联动，充分发挥银行业金融机构的主渠道作用；二是政策引导支持，加强中小企业信用担保体系建设；三是加强培育和指导，拓宽中小企业直接融资渠道；四是整合社会资源，大力推进中小企业融资平台建设；五是加大财政扶持，帮助中小企业渡过难关；六是苦练内功，促进中小企业不断提升素质和改善形象。

广西今年安排1.1亿元中小企业发展专项资金，支持中小企业结构调整、与大型企业协作配套。2010年起，自治区财政设立担保风险补偿资金，对符合风险补偿条件的信用担保机构，按照年均贷款担保责任额6%的比例给予担保风险补偿。“十二五”期间，广西还将拿出10亿元资金设立创业基金，重点支持创业期的中小企业。8月底，自治区工信委、财政厅和广西银监局联合在南宁召开广西银行业金融机构支持中小企业项目集体签约大会，会上21个中小企业信贷项目达成签约意向，涉及电子信息、汽车配件等多个领域。

为改变贷款担保难的问题，几乎所有驻桂银行、相关金融机构都开展了中小企业金融业务，着力创新中小企业信贷产品。广西北部湾银行新设“北部湾微贷”，小企业主们无需任何抵押，可借到5000元至100万元不等的资金投入经营。广西中小企业信用担保有限公司在全国首创自治区、市、县三级政府共建贷款担保体系，放大10倍为全区中小企业提供贷款担保服务。

福建为科技型中小企业搭建融资之桥

今年以来，福建省针对银根紧缩、中小企业特别是微型企业融资难程度加剧的情况，从资金、人才、技术等方面入手，多措施并举，全力扶持中小企业发展。

为了引导银行业增加对中小企业的贷款数量，福建省着力完善政银企会商机制，搭建双方对接的平台，并且加强了对当地商业银行信贷投放和投向的监测和指导力度，确保商业银行对中小企业的贷款增速不低于各项贷款的平均增速。

同时，福建省还安排了一定数量的资金作为龙头企业资金链应急保障周转资金，防范企业因暂时性周转困难而引发的资金链断裂；设法用好融资担保机构风险补助专项资金，推动该省各市、县财政部门建立担保补助资金，引导融资担保机构加大对中小企业融资的担保支持力度。

福建省还进一步清理、取消了不合理的涉企收费项目，落实规费减免政策，加强企业用电、税负、出口退税等方面优惠政策落实的协调工作，聘请部分企业高管担任企业减负兼职监督员，切实减轻企业负担。

在产业转型升级方面，福建省围绕石化、汽车、工程机械、新型显示、计算机及网络产品等14条重点产业链延伸工程及产业基地的建设，进一步加快中小企业集聚，引导中小企业融入龙头企业的产业链中，走“专、精、特、新”的发展路子；加强企业技术改造，滚动实施“百项千亿”重点技术改造项目，加大对重点技术改造项目的支持力度。

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