What does the policy of extricating enterprises from difficulties mean?

To help enterprises get out of trouble means that all government departments should do practical things, try their best to help enterprises solve practical problems and difficulties, inject vitality into enterprises and make them develop sustainably.

"Helping enterprises out of difficulties" is one of China's remarkable institutional advantages, which is different from many countries. Supported by the decision-making implementation system of finance, state-owned enterprises and government, it has the characteristics of fast action, great strength and strong pertinence.

The policy of helping enterprises get out of difficulties presents four characteristics:

The first is to implement national policies.

The second is to meet the needs of enterprises.

The third is to highlight precise docking.

The fourth is to refine the bail-out policy.

Reduce the payment fee

Policy significance

Implement the State Council's plan to reduce the payment of small and micro enterprises and individual industrial and commercial households, further encourage and guide the payment industry to make profits to the real economy, reduce the operating costs of small and micro enterprises and individual industrial and commercial households, and provide help for small and micro market entities to reduce burdens and solve difficulties and operate steadily.

Applicable object

Small and micro enterprises (small and micro enterprises that meet the standards set by the Ministry of Industry and Information Technology's Small and Medium Enterprises) and individual industrial and commercial households (individual industrial and commercial households registered in the market supervision department).

Policy measures

1. Bank account service fee. Including 1 account management fee (including small account management fee, excluding fixed account management fee, the same below) and annual fee, banks are encouraged to waive all unit settlement account management fees and annual fees.

2. RMB transfer remittance fee. Including a single remittance of 654.38 million yuan (inclusive, the same below) through the counter channel, the discount is not higher than 10% of the current government guidance price standard; The clearing institution will give a 10% discount to the single transaction below 654.38+10,000 yuan according to the current rate, and exempt the inter-bank transfer and remittance fee for small and micro enterprise cards and unit settlement cards.

3. Some bills are charged. Including the exemption of check fees and loss reporting fees; Handling fees, production fees and loss reporting fees for promissory notes and bank drafts.

4. Bank card swiping fee. Including the standard merchant debit card issuer service fee and network service fee, 10% discount on the basis of the current government guidance price, and the cap value remains unchanged; For preferential merchants, the issuing bank service fee and network service fee will continue to be discounted by 7.8% on the basis of the current government guidance price; At the same time, the acquiring institution reduces the merchant's acquiring service fee.

Term of policy

1. The fee reduction period of bill business is long-term.

2. The preferential period of the remaining fee reduction measures is 3 years (from September 30th, 20021year).

job requirement

1. It is not allowed to raise the payment fee in disguise by raising it first and then lowering it, or shifting the cost, and the payment behavior is strictly regulated.

2. For customers that cannot be accurately defined, we should follow the principle of "all should be reduced" to maximize the interests of enterprises and people.

3. Establish and improve the refund mechanism, simplify the refund procedures and formalities in the case of wrong fees and overcharges, and ensure that the fee reduction policy is "entitled to enjoy".

Non-repayment of loan

Policy significance

For small and micro enterprises that have temporary financial difficulties, especially those that are greatly affected by the current epidemic, but have a willingness to repay and a strong ability to absorb employment, they will be relieved by renewing loans and other means, further alleviating the difficulties of small and micro enterprises in loan difficulties and high turnover.

the policy goal

Increase the proportion of outstanding principal loans to the number of loans due and the amount of outstanding principal loans to the amount of loans due year by year, and strive to make the proportion of outstanding principal loans to the accumulated loans of small and micro enterprises reach more than 12% by 2023.

Audience group

Small and micro enterprises that still have financing needs after the liquidity revolving loan expires.

Update loan conditions

1. Operate in compliance with laws and regulations, and the investment and use of loans are in line with national industrial policies, environmental protection policies and credit policies.

2. The production and operation are normal, the ability of sustainable operation is strong, the financial situation and market prospect are good, and although it encounters temporary liquidity turnover difficulties, it actually has repayment ability.

3. Good credit status, normal performance and interest payment, active cooperation with loan investigation and management, no bad behaviors such as interest default and loan default, and no illegal behaviors and bad credit records of legal representatives, actual controllers and major shareholders.

4. The original working capital revolving loan is normal, the loan funds are used in line with the loan contract, and there is no misappropriation.

5. The time limit for applying for loan renewal shall match the production and operation cycle of the enterprise, and the amount shall not exceed the original loan amount.

6. The object of loan renewal should be entity enterprises such as production and operation.

Policy requirements

1. Banking institutions shall specify the application conditions for loan renewal, and shall not arbitrarily raise the threshold for loan renewal.

2. Make it clear that customers who need to renew their loans will be docked in advance for a certain period of time to ensure the "seamless docking" of financing turnover.

3. Actively expand the scope of guarantee and comprehensively adopt intellectual property rights, accounts receivable and order pledge to alleviate the guarantee problem.

4. Renewing loans will not be regarded as a factor to reduce the risk classification of loans alone, and it will not affect the credit history of enterprises.

Deferred debt service

Policy background

Since the implementation of the deferred debt service policy in March 2020, it has achieved good social effects. In order to further alleviate the pressure on enterprises to repay the principal and interest during the epidemic, the CBRC once again extended the policy of delaying repayment of the principal and expanded the policy coverage.

The so-called deferred repayment of principal and interest means that when the loan is about to expire, the bank will extend or renew the loan, or the loan is not due, but it is difficult to repay. The bank will adjust the repayment plan by delaying the repayment time, extending the loan term and delaying the repayment of principal and interest. , and give customers a certain grace period for repayment of principal and interest.

Policy measures

1. For small and medium-sized enterprises (including owners of small and medium-sized enterprises), individual industrial and commercial households and truck drivers, the repayment of principal and interest will be postponed until the end of 2022.

2. For the financial subsidiaries of central automobile enterprises, the commercial vehicle consumption loans issued before June 30, 2022 will be extended for six months to repay the principal and interest.

3. For difficult industries such as catering, retail, culture, tourism and transportation that are seriously affected by the epidemic, the inclusive small and micro enterprise loans due before the end of 2022 will be extended to repay the principal and interest.

4. For those who are hospitalized, isolated and lose their income due to the epidemic, their personal housing loans and consumer loans will be postponed to repay the principal and interest.

5. If the principal and interest cannot be repaid on time due to the epidemic situation, the credit record will not be affected and the penalty interest will be exempted.

job requirement

1. Intensify publicity to improve policy awareness and coverage.

2 financing guarantee institutions to give support to help enterprises affected by the epidemic to renew their insurance and loans.

3. Encourage all banking institutions to formulate various repayment plans and actively negotiate with customers before the loan expires. If it is difficult to repay the principal and interest in the current period, the repayment plan shall be regenerated with the interest during the suspension period and the remaining principal in the form of average capital or equivalent principal and interest.

Legal basis:

The Budget Law of the People's Republic of China, the Small and Medium-sized Enterprises Promotion Law of People's Republic of China (PRC), and the Farmers' Specialized Cooperatives Law of People's Republic of China (PRC).