The problem of financing difficulties for small and micro enterprises is increasingly prominent, which restricts the benign development of small and micro enterprises to some extent. In order to alleviate the financing difficulties of small and micro enterprises, governments at all levels have introduced a series of policies and measures. The following is the information about the policies and measures of financial support for small loan companies that I have carefully compiled. I hope it will help you! Policies and measures of financial support for small loan companies

Support the development of small loan companies with policies. In recent years, the problem of financing difficulties for small and micro enterprises has become increasingly prominent, which has restricted the sound development of small and micro enterprises to some extent. In order to alleviate the financing difficulties of small and micro enterprises, governments at all levels have introduced a series of policies and measures. Encouraging and supporting the development of small loan companies is undoubtedly the most direct and effective way. However, at present, the development of microfinance companies is still in the primary stage, and more policy support is needed from the government.

1. It is suggested to reduce the tax of small loan companies appropriately. Suggest referring to the implementation of rural cooperative banks? Agriculture, countryside and farmers Loan tax preferential policies, implementation? Notice of the Ministry of Finance and the State Administration of Taxation on the tax policies related to rural finance? Agricultural loans of small loan companies are exempt from business tax. When calculating the tax payable, the interest income of agricultural loans is included in the total income at 9%.

second, it is suggested to appropriately relax the financing channels of small loan companies and increase the proportion of small loan companies financing from banks. According to the analysis of the actual operation of small loan companies in recent years, because they can't absorb deposits and the proportion of financing from banks is low, small loan companies, as financial institutions, operate under extremely low leverage ratio, and the return on capital is not high, resulting in a high lending rate, which not only restricts their own development, but also increases the number of small and medium-sized loans. Agriculture, countryside and farmers Customer's capital cost. Zhejiang province has taken the lead in solving the problem of lack of funds for microfinance companies. It is suggested that the financing channels of small loan companies should be relaxed appropriately, which can refer to the practice of Zhejiang Province. The small loan companies that are well managed will be granted credit by rating, and the upper limit of bank financing ratio will be raised to 1% of capital.

third, it is suggested that small loan companies should be given appropriate financial subsidies. As a micro-financial institution, small loan companies can't enjoy it like rural commercial banks, rural banks and other financial institutions? Small business loan matching risk compensation? And? Agricultural loan supporting risk compensation? And other preferential policies, social benefits are higher, financial benefits are lower, and business risks are much higher than other financial institutions. It is suggested that governments at all levels give appropriate risk compensation to small loan companies, which can refer to the risk compensation standards of guarantee companies.

fourth, it is suggested to speed up the transformation of small loan companies into village banks. It is suggested to speed up the transformation of qualified small loan companies into village banks, give small loan companies a certain right to speak after being transformed into village banks, and keep a simple and convenient operation mode to better serve? Agriculture, countryside and farmers And small and medium-sized enterprises.

5. It is suggested to relax the shareholding ratio of shareholders of small loan companies. With the rapid development of small loan companies, the shareholders of small loan companies are facing a rapidly changing financial environment. How to maintain a high degree of coordination and make quick and accurate decisions is very important for the healthy development of small loan companies. Relaxing the proportion of shareholders is beneficial for small loan companies to improve the quality of shareholders, optimize the allocation of equity resources and form core competitiveness. It is suggested to relax the upper limit of shareholders' shareholding ratio of small loan companies to prepare for the transformation of banks.

VI. It is suggested to relax foreign investment in shares. What is the use of foreign capital? Agriculture, countryside and farmers It is a proposition worth discussing that small and medium-sized enterprises serve and share financial risks. In fact, in 211, foreign-invested microfinance companies were established in Dalian, Chongqing, Wuhan and Shenyang. It is suggested that foreign capital should be allowed to invest in small loan companies, so as to solve the financing difficulties of small loan companies, share risks and enliven the local economy. Changzhou finance supports the leap-forward development of small loan companies

Changzhou finance department has implemented 52.22 million yuan of support funds to promote the leap-forward development of rural small loan companies. First, the capital scale has accelerated. Newly approved 15 small loan companies, including Wujin Yinfeng, Xinbei Hongyuan and Tianning Jiulong, with an additional registered capital of 4.438 billion yuan. Seven of the original 13 companies continued to increase investment, increasing the registered capital by 1.616 billion yuan. By the end of 211, there were 28 rural small loan companies approved to start business in our city, an increase of 116% over the beginning of the year. The registered capital reached 9.876 billion yuan, an increase of 6.54 billion yuan, an increase of 158.4% over the beginning of the year. Second, the amount of financing has increased rapidly. Actively raise funds from financial institutions, raising 1.949 billion yuan through financial institutions throughout the year; Actively raised 325 million yuan from the company's shareholders, and raised 2.274 billion yuan from two projects, effectively meeting the requirements? Agriculture, countryside and farmers The loan demand of small and medium-sized enterprises and individual entrepreneurs. Third, the scale of loans continues to expand. Constantly expanding business and expanding loan scale, the loan balance of microfinance companies in the city reached 13.17 billion yuan, an increase of 8.196 billion yuan or 17% over the beginning of the year. Fourth, the credit orientation is more reasonable. The balance of agricultural loans of 28 small loan companies reached 12.591 billion yuan, accounting for 96.73% of the total loan balance. There are 456 agricultural loan customers, accounting for 98.4% of all customers. Among the 4,634 loan customers of small loan companies, 1,992 customers have no bank loans, accounting for 42.98% of all customers. The Ministry of Finance tries out incremental rewards for agricultural loans of small loan companies

According to the website of the Ministry of Finance on the 3rd, starting from 212, pilot projects of incremental rewards for agricultural loans of small loan companies will be launched in four provinces (cities) including Tianjin, Liaoning, Shandong and Guizhou.

the Ministry of finance said that in order to implement the "Several Opinions of the State Council on Encouraging and Guiding the Healthy Development of Private Investment", it is necessary to guide microfinance companies to standardize and develop healthily, and increase the awareness of? Agriculture, countryside and farmers Support for development, issued by the Ministry of Finance? Notice on issues related to incremental incentives for agricultural loans of microfinance companies? . The circular pointed out that microfinance companies applying for incentive funds should establish relatively perfect risk management and internal control systems, operate well, and all indicators meet the requirements of relevant regulatory authorities.