In order to promote the development of small and micro enterprises and individual industrial and commercial households, governments and financial institutions at all levels in China have actively introduced a series of preferential loan policies. Specifically, individual industrial and commercial households can enjoy the following benefits: 1. Low interest loans. Banks and financial institutions will give individual industrial and commercial households lower interest rates and quotas to reduce their operating burden and financing costs. 2. Optimization of guarantee methods. The use of mortgage, pledge and other guarantee methods has improved the success rate and operability of financing for individual industrial and commercial households. 3. Flexible repayment. Banks and financial institutions provide individual industrial and commercial households with more flexible repayment terms and methods, including installment and various payment methods, to help them better plan their cash flow and repayment plans. However, individual industrial and commercial households need to meet certain conditions and requirements, such as a stable operating basis and financial statements, repayment ability and good credit.
How to improve the success rate of loans for individual industrial and commercial households? The key to improve the success rate of individual industrial and commercial households' loans lies in standardizing operations and improving financial foundation and credit records. The following measures can be taken: 1. Standardize operations, establish and improve enterprise management systems and processes, and improve operational efficiency and risk control capabilities. 2. Improve the financial foundation, timely and accurately handle enterprise accounts, prepare financial statements, and ensure the truthfulness and accuracy of operating data. 3. Establish a good credit record, actively perform social responsibilities and legal and compliance operations, and develop good repayment habits and credit scores.
The preferential loan policy for individual industrial and commercial households is of great significance to their business development, but in the process of application and use, they also need to follow relevant laws and policies to ensure the balance of their own interests and responsibilities. At the same time, individual industrial and commercial households need to constantly improve their operational and financial capabilities, and improve the success rate of financing applications and risk control capabilities.
Legal basis:
The State Council's opinion on supporting the healthy development of small and micro enterprises 1 page. Give full play to the guiding role of the existing special funds for small and medium-sized enterprises, and encourage local small and medium-sized enterprises to support small and micro enterprises. (Ministry of Finance, Development and Reform Commission, Ministry of Industry and Information Technology, Ministry of Science and Technology, Ministry of Commerce, State Administration for Industry and Commerce and other departments are responsible. The second is to conscientiously implement the preferential tax policies that have been introduced to support small and micro enterprises, and study and introduce policies that continue to support according to the needs of the development of the situation. Small and micro enterprises engaged in projects encouraged by the state to import advanced equipment that cannot be produced in China shall be exempted from customs duties in accordance with relevant regulations. (The Ministry of Finance, together with the State Administration of Taxation, the State Administration for Industry and Commerce, the Ministry of Industry and Information Technology, the General Administration of Customs and other departments, is responsible for) Third, increase the support of special funds for small and medium-sized enterprises for the construction of small business start-up bases (micro-business incubators, technology incubators, business enterprise clusters, etc.). ). Encourage large and medium-sized enterprises to drive small and micro enterprises in the industrial chain to achieve industrial agglomeration and group development. (Ministry of Finance, Ministry of Industry and Information Technology, Ministry of Science and Technology, Ministry of Commerce, State Administration for Industry and Commerce and other departments are responsible. Fourth, small and micro enterprises that absorb people with employment difficulties are given social insurance subsidies in accordance with regulations. Within 3 years from the date of industrial and commercial registration, small and micro enterprises that arrange employment for the disabled and employ less than 20 people (including 20 people) shall be exempted from the employment security fund for the disabled. (Ministry of Human Resources and Social Security, together with the Ministry of Finance, China Disabled Persons' Federation and other departments) 5. Encourage venture capital guidance funds set up by governments at all levels to actively support small and micro enterprises. Actively guide venture capital funds, angel funds and seed funds to invest in small and micro enterprises. Eligible small and micro enterprises can enjoy the small secured loan support policy as required. (Ministry of Finance in conjunction with the Development and Reform Commission, Ministry of Industry and Information Technology, CSRC, Ministry of Science and Technology, Ministry of Commerce, Ministry of Human Resources and Social Security and other departments) VI. Further improve the financing guarantee policy for small and micro enterprises. Vigorously develop government-supported guarantee institutions, guide them to increase the scale of guarantee business for small and micro enterprises, and reasonably determine the guarantee fees.