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[人民日报]中办国办复工复产大调研重庆为中小微企业引“活水”解“钱
“税费减免的政策很好,但那是正常营业以后的事情。现在一复工就要交房租水电、付员工工资、还要购买原材料,没钱企业什么都干不了。”3月17日,在中办国办复工复产重庆调研组召开的现场座谈会上,重庆赛龙电器有限公司财务负责人杜川介绍,公司是一家生产电器灯具配件的小微企业,因资金紧缺、且无抵押物贷款困难,复工的计划卡在了“钱”字上。
在当地税务部门和银行的帮助下,重庆赛龙电器有限公司第二天就成功申请工商银行“税e贷”项目,凭借良好的纳税信用,无抵押贷款140万元,解了企业的“燃眉之急”。
中办国办复工复产重庆调研组走访发现,受疫情影响,中小微企业普遍面临资金回笼慢、流动资金少等困难,同时因为可抵押物少、也无与银行合作的记录,很难向银行申请到贷款。开门七件事,柴米油盐酱醋茶。而房租、水电、人工、原材料等支出,成为中小微企业复工的“开门七件事”。“没钱”成为不少中小微企业复工复产的第一道“路障”。
建设银行重庆分行相关负责人表示,特别是小微企业,提供抵押物不足、财务报表不全等各方面原因,很难真实还原企业的经营情况,导致小微企业很难满足传统审贷指标。
重庆市委市政府在严格落实督促金融机构采取适当下调贷款利率、减免手续费、延迟还款等一系列国家部署的同时,大力推动税务和银保监部门建立健全以“纳税信用”换取“贷款信用”的“银税互动”项目,深挖数据价值,破解中小微企业抵押物不足的难题,帮助诚信经营的企业获得无抵押、低利息的信用贷款。
截至2月底,重庆24家银行加入该项目,仅2月份就授信企业3193户次,投放纳税信用贷款9.5亿元,有效破解了企业复工复产面临的“融资难、融资贵”问题。
建设银行重庆分行相关负责人介绍,企业的纳税数据具有真实、及时、科学、有效等特点,增值税、所得税等数据和企业购进、销售等日常经营活动息息相关,银行可用纳税数据通过模型推算,较为真实地还原企业生产经营情况。这样,以纳税数据为主要审贷标准的“银税互动”项目就能通过网上系统进行审批,信贷客户经理工作量大大减少,审贷放贷效率大幅提高。
重庆银行的数据也证明了纳税数据的高效。据介绍,按照传统小微贷款模式,该银行单个客户经理管户超过50户,工作压力就会陡增,工作效率明显下降。运用纳税数据进行审贷的“银税互动”项目——“好企贷”全线上业务模式后,单个客户经理管户户数达到100户时,仍能保证管理效率。
不仅如此,3月起重庆“银税互动”项目进一步深化,准入条件从纳税信用A、B级扩大到M级,符合条件的纳税人从25.1万户增加到45.6万户。参与银行将从24家扩大到27家,同时聚焦受疫情影响较大的行业,银行将再推出一批“零担保、纯信用、低费率”信贷产品。
已有企业享受到“银税互动”项目扩围后的好处。重庆辰衡兴塑料科技有限公司是M级的小微企业,在扩围范围内,依托纳税信息获得纯信用贷款20万元,切实缓解了复工复产的资金压力。
Chongqing invoice company [mobile * 溦: 159 - ン - 1415 - ン - 8529 Service scope: advertising, hotel accommodation, catering, mechanical equipment, service, construction, leasing, building materials, labor services, office supplies, consulting, materials, printing, printing, home appliances, project funds, conference, meeting, office consumables, office equipment, medical equipment, sports goods, labor protection supplies, equipment leasing, car leasing, venue leasing, office leasing , auto parts, garbage removal and transportation, ground pushing and suction powder, carriage, gift, shopping card, transportation, landscaping, construction engineering, nursery stock, film distribution, advertising production, advertising planning, advertising design, activity agency, technical services, auto supplies, kitchen supplies, office tables and chairs, hotel supplies, hardware tools, hardware materials, metal materials, electronic materials, transportation , equipment maintenance, electrical equipment maintenance, elevator installation, elevator maintenance, equipment installation, exhibition, decoration materials, decoration, network maintenance, property management, water and electricity, house rental, rent, information consultation, consultation, refueling, gasoline, diesel oil, equipment processing, technical processing, mechanical processing, tea, stationery, A4 paper, selenium drum, ink cartridge, labor protection articles, shoes, jewelry Clothing, clothing, hand tearing quota, steel, pipes, stainless steel, aluminum alloy, glass products, plastic, mold templates, wire and cable, motor vehicles, wood, photo, foam characters, timely paste lettering, inkjet cloth, HD V soft film, general soft film business appearance, portrait endorsement, advertising endorsement, network technology, computer hardware and software technology services, technical advice, technology development , achievements transfer, enterprise management consulting, marketing planning, web design, graphic design, industrial product design, interior decoration design, cultural and creative planning, warehousing services, etc. Welcome to call and talk, win-win cooperation!
[People's daily] a large survey on the resumption of work and production of the State Office of the Central Committee
"The tax relief policy is very good, but that's after normal business. Now when we return to work, we have to pay rent, water and electricity, pay employees' wages, and buy raw materials. Without money, enterprises can do nothing. " On March 17, Du Chuan, financial director of Chongqing celong Electric Appliance Co., Ltd., introduced that the company is a small and micro enterprise that produces electrical lamp accessories. Due to the lack of funds and the difficulty of no mortgage loan, the plan of resumption was stuck in the word "money".
With the help of local tax departments and banks, Chongqing celong Electric Appliance Co., Ltd. successfully applied for the "tax e loan" project of industrial and Commercial Bank of China the next day. With a good tax credit, the unsecured loan was 1.4 million yuan, which solved the "urgent need" of the enterprise.
According to a visit by Chongqing research group, affected by the epidemic situation, small and medium-sized micro enterprises are generally faced with difficulties such as slow return of funds and less liquidity. At the same time, due to the lack of collateral and no record of cooperation with banks, it is difficult to apply for loans from banks. Seven things to open the door, firewood, oil, salt, soy sauce, vinegar and tea. And the expenditure of rent, water and electricity, labor, raw materials, etc., has become the "seven things to open the door" for small and medium-sized micro enterprises to return to work. "No money" has become the first "roadblock" for many small and medium-sized enterprises to return to work.
According to the relevant person in charge of Chongqing Branch of China Construction Bank, especially for small and micro enterprises, it is difficult to truly restore the operation of the enterprises due to insufficient collateral, incomplete financial statements and other reasons, which makes it difficult for small and micro enterprises to meet the traditional loan review indicators.
Chongqing municipal Party committee and municipal government, while strictly implementing and urging financial institutions to adopt a series of national deployment, such as appropriately reducing loan interest rates, reducing service fees, and delaying repayment, vigorously promote the tax and banking insurance supervision departments to establish and improve the "bank tax interaction" project of "tax credit" in exchange for "loan credit", deeply dig the data value, solve the problem of insufficient collateral for small and medium-sized enterprises, and help To help enterprises in good faith to obtain unsecured and low interest credit loans.
By the end of February, 24 banks in Chongqing had joined the project. In February alone, 3193 credit enterprises had been granted credit, and 950 million yuan of tax credit loans had been issued, effectively solving the problem of "financing difficult and financing expensive" faced by enterprises returning to work.
According to the relevant person in charge of Chongqing Branch of China Construction Bank, the tax data of enterprises are real, timely, scientific and effective. The data of value-added tax and income tax are closely related to the daily business activities of enterprises such as purchase and sales. The bank can use the tax data to restore the production and operation of enterprises through model calculation. In this way, the "bank tax interaction" project with tax data as the main loan review standard can be approved through the online system, the workload of credit customer managers is greatly reduced, and the efficiency of loan review and lending is greatly improved.
The data of Chongqing bank also proves the efficiency of tax data. According to the introduction, according to the traditional small and micro loan mode, the bank's single customer manager will manage more than 50 households, and the work pressure will increase sharply, and the work efficiency will decline significantly. The project of "bank tax interaction" which uses tax data to review Loans - "good enterprise loan" business model on the whole line, when the number of single customer manager households reaches 100, the management efficiency can still be guaranteed.
Moreover, since March, Chongqing's "bank tax interaction" project has been further deepened, with the access conditions expanded from tax credit a and B to m, and the number of eligible taxpayers increased from 251000 to 456000. The number of participating banks will increase from 24 to 27, and focus on the industries that are greatly affected by the epidemic
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