What comes to mind when you mention the Science and Technology Museum? Is it an electrostatic magic ball that makes the hair stand on its roots by touching it? Is it a hand-shadow interactive game to see the marine life living in the depths of the ocean, or can you truly understand the principles of hydropower and wind power generation by moving your hands? These popular science exhibits can be seen in the R&D center of Beijing Tianqiang Technology Company. Walking in here is like being in a huge science and technology museum.

"Now the public demand for popular science is growing rapidly, and the popular science industry has great development prospects. In recent years, we have developed rapidly in the fields of popular science education, cultural tourism research and curriculum development, but we have also encountered financial difficulties." Cheng Tianqiang, chairman of Tianqiang Technology, said.

Affected by the epidemic situation and other factors, the funding gap of Tianqiang Science and Technology once reached 2 million yuan in April this year, which affected the project operation and bidding business. What should we do?

"Your tax credit rating is A level. We have cooperation with Beijing Zhongguancun Branch of China Construction Bank. You can try to apply for a loan from China Construction Bank." One day in mid-April, Cheng Tianqiang came to Beijing Haidian District Taxation Bureau to do business, and a word from the tax officer inspired him. Sure enough, with the "stepping stone" of tax credit, he successfully applied for a loan, and it was an online application and a pure credit loan.

"It's so convenient." Cheng Tianqiang is still very happy to recall this matter now. Under the online guidance of CCB staff, Cheng Tianqiang downloaded the bank client, and after completing the operations of identity authentication, binding the enterprise and authorizing the bank to inquire about tax credit information, he clicked Apply for a loan, and received a mobile phone prompt within a few minutes, and successfully applied for a credit line of 3 million yuan.

"This loan is particularly in line with the characteristics of our company's capital use, and it is simply tailor-made." Cheng Tianqiang lamented.

It turns out that because of the particularity of the popular science industry, Tianqiang Technology often participates in bidding for multiple projects at the same time, with frequent turnover of liquidity and frequent recycling of loans. The use time of each loan is short, and most projects are in 30 to 60 days. Moreover, there are many advance funds in the early stage of project operation, such as sample making fee, bid bond, bid winning service fee, contract performance bond, etc. The amount of funds occupied by a single project is relatively large, which may be more than one million yuan, and the speed of capital return fluctuates greatly. For enterprises to apply for loans, these situations can be unfavorable factors in the past.

"These situations have been considered by CCB's' small micro-quick loan'." Cheng Tianqiang said that after successfully applying for the credit line, you can immediately use the funds when you need them, repay them as soon as you have the money back, and calculate interest on a daily basis, so as to truly realize the revolving credit line and return it as you borrow it.

"For customers, what is different from applying for other loans is that banks need to be authorized to inquire about corporate tax-related information. Behind it is that banks innovate online financial products and services by integrating tax credit information with other multi-dimensional data and using Internet information technology." Zhang Botie, deputy general manager of inclusive finance Business Department of CCB Beijing Branch, said that small and micro enterprises with financing needs can apply for loans directly if their tax credit rating is high and their business conditions are normal. CCB will analyze the tax information of enterprises in time and choose the most suitable financing and credit scheme for enterprises.

"This money has relieved our liquidity pressure and provided strong support for participating in bidding and running the winning projects." Cheng Tianqiang said. By the end of June, Tianqiang Technology had won the bid of 61950,000 yuan, and the number of new employees increased by more than 20% compared with last year. In July, the enterprise has paid off the first revolving loan of CCB of 3 million yuan. In the future, with the needs of the project progress, this fund can be continuously recycled.

The tax department and the bank * * * enjoy the enterprise tax credit information, and realize the win of the enterprise, the bank and the tax department.

One of the most important factors of financing difficulties for small and micro enterprises is the information asymmetry between banks and enterprises. The emergence of "interaction between banks and taxes" is a good attempt to alleviate the information asymmetry.

How exactly do "silver" and "tax" interact? First of all, we should start with the tax credit evaluation.

In 20 14, State Taxation Administration of The People's Republic of China issued the Measures for the Administration of Tax Credit (Trial), which carried out activities such as collection, evaluation, determination, release and application of taxpayer's tax credit information. Tax credit evaluation adopts the methods of annual evaluation index score and direct grading.

"Taking Haidian District as an example, the annual tax credit evaluation will evaluate the credit status of enterprises from four dimensions: subjective attitude, compliance ability, actual results and degree of dishonesty, and nearly 100 indicators. The evaluation results are divided into A, B, M, C and D5 levels from high to low." Wang Chao, head of the Tax Service Section of Haidian District Taxation Bureau, State Taxation Administration of The People's Republic of China, said.

Tax credit is not only a "touchstone" to measure the credit of enterprises, but also gradually becomes an important credit asset of enterprises. Then, how can tax credit be transformed into financing credit?

In 20 15, the State Administration of Taxation and the former China Banking Regulatory Commission jointly established a cooperation mechanism between banks and taxes, and launched a nationwide "interaction between banks and taxes" to help small and micro enterprises develop. Banking financial institutions actively carry out due diligence for small and micro enterprises with loan needs, optimize loan approval procedures, simplify loan procedures, improve loan approval efficiency and increase credit support for trustworthy and high-quality small and micro enterprises that meet loan conditions. In 20 17, the two departments issued the notice on further promoting the work of "interaction between banks and taxes", which expanded the beneficiary group of "interaction between banks and taxes" from tax credit A to tax credit B.

"In other words, good tax credit has become a golden business card, and banks have gained an important dimension to understand enterprises. Many enterprises have successfully applied for bank loans with good tax credit." Shan Qing, director of the First Taxation Office of the Central District Taxation Bureau of Jinan City, State Taxation Administration of The People's Republic of China, said.

"interaction between banks and taxes" has brought funds to enterprises and turned tax credit into real money. Through the "bank-tax interaction", the tax authorities and banking financial institutions can enjoy the tax credit evaluation results of small and micro enterprises in the region through consultation. Under the premise of legal compliance and enterprise authorization, banks can inquire about enterprise tax information, solve the information asymmetry between banks and enterprises, and help trustworthy enterprises obtain bank financing services.

For enterprises, tax credit is like a "stepping stone", which helps enterprises open the door to financing through "interaction between banks and taxes". Shan Qing believes that small and micro enterprises are faced with problems such as insufficient collateral. The products of the "bank-tax interaction" platform are often pure credit loans with fast lending, low interest rate, no mortgage and no guarantee, which is very suitable for the development needs of small and micro enterprises.

"For banks, promoting the' interaction between banks and taxes' can solve the information asymmetry between banks and enterprises to a certain extent, improve the loan application rate of small and micro enterprises, and optimize the business environment; On the other hand, through multi-party interactive publicity, we can expand the source of customers in inclusive finance and improve the coverage of bank credit services. " Zhang Botie said.

Wang Chao believes that "interaction between banks and taxes" has further enhanced the gold content of tax credit. The organic combination of tax payment credit and enterprise financing development shows the exemplary role and incentive role of honest tax payment, which is conducive to achieving a win-win situation among enterprises, banks and tax authorities.

Banks participate more actively, benefiting more enterprises, and the "interaction between banks and taxes" continues to deepen and upgrade.

This year, in response to the urgent capital needs of enterprises, the State Administration of Taxation and China Banking and Insurance Regulatory Commission jointly issued the Notice on Giving Play to the Role of "Interaction between Banking and Taxation" to Help Small and Micro Enterprises to Resume Work and Production, and increased the support of tax credit loans to help enterprises tide over the difficulties.

"Affected by the epidemic, some small and medium-sized enterprises are faced with problems such as slow withdrawal of funds and low liquidity. After learning about this situation during the visit, our team of tax consultants held a signing event with a number of banks and more than 50 small and micro enterprises in the jurisdiction. At the signing site, 12 companies reached a loan intention with the bank and signed a contract, with a total loan amount of 1000 million yuan. " Shan Qing said.

Strengthening the interaction between bank and tax data will not only help enterprises to develop better and faster, but also deepen and upgrade the "interaction between bank and tax" in this virtuous circle.

Banks are more actively involved-

Benefit more enterprises-

At the beginning of this year, the State Administration of Taxation expanded the scope of enterprises that can apply for "bank-tax interaction" loans from the original A-level and B-level enterprises with tax credit to M-level enterprises (mainly newly established small and micro enterprises), and the number of enterprises included in the scope of "bank-tax interaction" doubled.

Benefiting from this, some time ago, Shandong Linqing Lin Yao Wood Industry Co., Ltd., an M-level enterprise with tax credit, successfully obtained a loan. "Because we have a good development momentum, standardized production, and no record of tax violations, we applied for a loan on the mobile phone. The interest rate was 4.05%, the loan period was one year, and the unsecured and unsecured' cloud tax loan' of 3 million yuan was approved." Hou Dongyue, head of the company, said.

The cooperation between banks and taxes is closer-

Xiao Wei, deputy director of the Taxation Bureau of Haidian District, Beijing, State Taxation Administration of The People's Republic of China, introduced that in June this year, in order to further deepen the work of "interaction between banks and taxes", the Taxation Bureau of Beijing signed a cooperation framework agreement with five banks on "interaction between banks and banks online" to move the "interaction between banks and taxes" from offline to online, so as to realize direct data connection between banks and taxes. For qualified enterprises with financing intentions, information authentication, information authorization and tax information transmission are all completed online, forming a closer and normalized "interaction between banks and taxes" cooperation.

Zhang Lianqi, vice president of China Taxation Institute, said that since the launch of "interaction between banks and taxes", the tax credit has become more and more important. In the future, the cooperation field, benefit scope and social influence of trustworthy joint incentive will continue to expand, which will play a greater role in creating a good market credit environment and improving the social credit system.

People's Daily (20201February 07 18 Edition)