Gansu further strengthens financial support for small and medium -sized enterprises for bailout development

Pay the principal and interest on the implementation of small and medium -sized enterprises, individual industrial and commercial households, and truck drivers.

Lanzhou, Gansu Economic Daily (Lu Xia, a reporter from New Gansu · Gansu Economic Daily) Recently, the "Implementation Plan for further strengthening financial support for small and medium -sized enterprises" was issued by the provincial government. The "Plan" proposes that our province will implement extended repayment of repayment of the repayment of the repayment of the repayment of the creditor's credit records for small and medium -sized enterprises, individual industrial and commercial households, truck drivers, and personal housing and consumer loans affected by the epidemic. Essence

In order to further strengthen and deepen the financial services of small and medium -sized enterprises, support the recovery and high -quality development of small and medium -sized enterprises, and stabilize the economic market, the "Plan" proposes that the province must establish a multi -level financial supply system, increase credit investment, and strive to this year Realizing the interest rate of new inclusive small and micro enterprise loans from the banking industry has decreased compared with 2021, and the "two increases" goals of inclusive small and micro enterprise loans (inclusive) with a single household credit grant less than 10 million yuan (inclusive); Costs, small and medium -sized enterprises affecting the serious industries and regions, encourage phased to implement more preferential interest rates and service charges, reduce penalties, reduce the burden of enterprises in difficulty; enhance the acquisition of loans of small and medium -sized enterprises, and limit due to epidemic restrictions on the epidemic conditions. Customers who cannot obtain loan -run information but do not affect risk judgment of each link, encourage banks to optimize business processing processes and improve timeliness. Government financing guarantee agencies should further expand the cost reduction. The financing guarantee rate of financing below 10 million yuan (inclusive) is not higher than 1%, and the financing guarantee rate of more than 10 million yuan in single households is not higher than 1.5%. Small and medium -sized enterprises such as the affected service industry with a serious affected service industry will be charged for a re -guarantee fee, and the re -guarantee fee for individual industrial and commercial households under 500,000 yuan will be exempted.

At the same time, make good use of fiscal discount policies. Provide a small and micro enterprise with the highest amount of entrepreneurial guarantee loans with a maximum amount of 3 million yuan. The loan market quotation interest rate (LPR) minus 150 basis points below the borrowing enterprise, and the remaining part of the finance is discounted. For production and operating loans of national trade and national special -demand commodities, it is not than 2.88%of the loan principal of 2.88%. For bank loans obtained by patent pledge of small and medium -sized enterprises, after the enterprise repays the principal and interest on schedule, it will give discount subsidies at 50%of the annual interest of the loan. Implementing the extension of the re -paid -to -interest policies for the implementation of difficult groups, the extension of the repayment of the interest payment date does not exceed the end of this year. For small and medium -sized enterprises, individual industrial and commercial households, truck driver loans and personal housing and consumer loans affected by the epidemic, repay the principal and interest, and avoid blind loans, disconnection, and loan. Delayed loans do not affect the credit records and avoid penalties. Exempted small, medium and micro -enterprise foreign exchange derivative transactions related to bank interbank foreign exchange market transaction fees.

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