The term "small and medium-sized enterprises" as mentioned in these Measures refers to medium-sized enterprises, small enterprises and micro-enterprises established in accordance with the law within the administrative region of this province and determined according to the national classification standards. Article 3 This province regards promoting the development of small and medium-sized enterprises as a long-term development strategy, adheres to the principle of equal rights, equal opportunities and equal rules for all kinds of enterprises, and implements the policy of actively supporting small and medium-sized enterprises, especially small and micro enterprises, strengthening guidance, improving services, standardizing according to law and safeguarding rights and interests, so as to create a stable, fair, transparent and predictable environment for the establishment and high-quality development of small and medium-sized enterprises. Article 4 The people's governments at or above the county level shall formulate policies to promote the development of small and medium-sized enterprises in accordance with the development concept of innovation, coordination, green, openness and enjoyment, incorporate the promotion of small and medium-sized enterprises into the national economic and social development plan, and establish a coordination mechanism to promote the development of small and medium-sized enterprises. Article 5 The people's governments at or above the county level shall be responsible for the comprehensive management of the promotion of small and medium-sized enterprises, organize the implementation of policies to promote the development of small and medium-sized enterprises, and conduct macro guidance, comprehensive coordination, supervision and inspection of the promotion of small and medium-sized enterprises.
The relevant departments of the people's governments at or above the county level shall be responsible for promoting the development of small and medium-sized enterprises within the scope of their respective duties according to the policies of the state and this province to promote the development of small and medium-sized enterprises. Article 6 People's governments at or above the county level shall promote the construction of credit system for small and medium-sized enterprises, and realize the socialization of credit information inquiry, exchange and sharing for small and medium-sized enterprises by relying on the national credit information sharing platform and the national enterprise credit information publicity system.
Support credit reporting institutions to develop credit reporting products and services for SME financing, and collect and provide information of relevant government departments, public utilities and commercial institutions according to law.
Encourage credit investigation and credit rating agencies to provide objective, accurate and comprehensive credit investigation and rating services for SMEs in financing, bidding and business cooperation. Chapter II Financial and Tax Support Article 7 The people's governments at or above the county level shall arrange special funds for the development of small and medium-sized enterprises according to the actual situation, which are mainly used to support the construction of public service system and financing service system of small and medium-sized enterprises, and guide and promote their entrepreneurial innovation, technological transformation, transformation and upgrading, market development, etc.
Special funds for the development of small and medium-sized enterprises should be tilted towards small and micro enterprises, and special funds for supporting enterprises managed by other relevant departments should be moderately tilted towards small and medium-sized enterprises. Eighth the management and use of special funds for the development of small and medium-sized enterprises should adhere to the principles of standardization, openness and transparency, and implement budget performance management. Article 9 The provincial people's government shall set up a small and medium-sized enterprise development fund, and the people's governments of cities and counties (cities, districts) divided into districts may set up a small and medium-sized enterprise development fund according to the actual situation, which is mainly used to guide and drive social funds to support small and medium-sized enterprises in the initial stage and promote entrepreneurial innovation.
The province encourages social capital to set up venture capital funds to support the development of small and medium-sized enterprises by means of equity investment. Tenth at or above the county level development and reform, finance, taxation and other relevant departments shall, in accordance with their respective responsibilities, announce and implement the national and provincial administrative fee reduction and exemption and preferential tax policies to promote the development of small and medium-sized enterprises. Eleventh small and medium-sized enterprises can enjoy preferential policies such as tax reduction and exemption, and discount interest on national debt. According to the national regulations, if they transform or reorganize the enterprise logistics system, they will invest in establishing regional commodity trading centers and industrial product purchase and sale centers, and newly establish independent accounting logistics enterprises. Chapter III Financing Promotion Article 12 The province implements the national differentiated supervision policy for the financial services of small and micro enterprises, and establishes an incentive mechanism for the performance evaluation of credit business of small and micro enterprises; Guide financial institutions to increase the scale and proportion of financing for small and micro enterprises and improve the level of financial services.
Financial supervision and management departments at or above the county level shall promote the construction of inclusive financial system in accordance with national requirements, and promote the orderly and healthy development of small and medium-sized banks, non-deposit lending institutions and internet finance; Guide banking financial institutions to extend their outlets and businesses to areas with weak financial services for small and micro enterprises such as counties and towns, list inclusive credit plans for small and micro enterprises, and establish a credit system suitable for small and micro enterprises. Article 13 Financial institutions shall, in accordance with the national financial policy, adjust the credit structure, innovate credit methods, develop financial products suitable for the needs of small and medium-sized enterprises, improve the credit rating evaluation and credit granting system for small and medium-sized enterprises, provide credit, settlement, financial consultation, investment management and other services for small and medium-sized enterprises, and improve the financing environment for small and medium-sized enterprises.
Financial institutions should give priority to providing credit support for high-tech achievements transformation and technological transformation projects of small and medium-sized enterprises that are in line with national industrial policies, have market development prospects, have high technology content and good economic benefits. Financial institutions are not allowed to raise SME loan standards, set unreasonable loan conditions, raise loan interest rates in disguise and charge unreasonable fees without authorization.
Banking financial institutions shall, in accordance with the relevant provisions of the state, improve the internal assessment and incentive mechanism and implement the credit due diligence exemption system. Provide convenient conditions for financing small and micro enterprises with good credit; For small and micro enterprises with good market prospects and good business integrity but temporary difficulties, continue to lend, pressure loans, draw loans and cut off loans.