What is a small and micro enterprise owner loan?

The main loan for small and micro enterprises refers to a way for enterprises to borrow money from banks or other financial institutions in accordance with the prescribed interest rate and term to meet the needs of production and operation. Small and micro enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation.

Because the credit demand of small and micro enterprises has the characteristics of "short, small, frequent and urgent", its small, short-term and scattered characteristics are more similar to retail loans. They have higher requirements for liquidity.

Since the beginning of 2065438+2008, the People's Bank of China has adhered to a stable and neutral monetary policy, done a good job in pre-adjustment and fine-tuning, stabilized market expectations, dredged the transmission mechanism of monetary policy, guided funds to flow to important areas and weak links such as private enterprises and microfinance, and made a tough battle to prevent and resolve major risks.

Extended data:

Small and micro enterprise standards:

The general number of employees is less than 500 or the annual sales of the enterprise is less than1million yuan; The standard for dealing with small enterprises is that the number of employees is less than 300 or the annual sales of the enterprise is less than 30 million yuan or the total assets of the enterprise are less than 40 million yuan; The standard of small wholesale enterprises in small circulation enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 30 million yuan.

The standard of retail small enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 100 million yuan; The standard of small transportation enterprises is that the number of employees is less than 500 or the annual sales of enterprises is less than 30 million yuan; The standard of small storage enterprises is that the number of employees is below 100 or the annual sales of enterprises is below1000 yuan.

As long as the number of employees or annual sales (total assets of the enterprise) meet one of the above criteria, it can be identified as a small enterprise.

References: Xinhuanet-Credit support for small and micro enterprises has increased.