Legal analysis: SME loans refer to loans issued by banks to the legal representatives or controlling shareholders of small enterprises to supplement their working capital and other purposes designated by law. Enterprises supported by small business loans must meet the following requirements: the registered capital is more than 500,000 yuan, and the main industry is manufacturing. Small and medium-sized enterprises in China will encounter many difficulties in the process of development, such as recruitment difficulties, bankruptcy tide, "running away" storm and so on. Therefore, the state holds policies and measures to support such small and medium-sized enterprises to issue loans to small and medium-sized enterprises, and promotes the continuous optimization of the development environment of small and medium-sized enterprises.

Enterprise Promotion Law

Article 14 China citizens shall encourage and guide financial institutions to increase credit support for small and micro enterprises and improve their financing environment.

Article 17 The state promotes and supports the orderly and healthy development of inclusive non-deposit lending institutions and Internet finance, and guides small and micro enterprises such as banks to extend their outlets and businesses to areas with weak financial services. Large state-owned commercial banks should set up inclusive finance institutions to provide financial services for small and micro enterprises. The state promotes other banking financial institutions to set up small and micro enterprises and small and medium-sized banks, and should actively provide financial services to local small and micro enterprises to promote the development of the real economy.

Twentieth small and medium-sized enterprises should promptly confirm the relationship between creditor's rights and debts, and encourage small and medium-sized enterprises and payers to improve financing efficiency and reduce financing costs through the confirmation of the relationship between creditor's rights and debts.

Second, the personal loan exemption policy?

Loan exemption means that after borrowing, the economic strength is difficult to support future repayment, and the borrower can be allowed not to repay if the government and relevant departments prove that it is unable to repay. At present, loan exemption is mostly used in the directive documents of the central government to local governments, because the poor border areas of China, old and young, often need loans to help economic development because of poor economic development conditions.

Therefore, in some areas, the state grants loans to farmers and micro-enterprise operators in rural areas.

At the same time, due to the backward economy and low tax revenue, local governments borrow money from banks to some extent in order to maintain operational efficiency. In backward areas with relatively poor fiscal revenue, the state gives local governments certain loan exemption.

Third, the SME loan policy.

1. Broaden the scope of collateral and pledge. Optimize the mortgage registration process. Reduce the processing cost of credit loans. Shorten the approval time. Innovative credit loan model. Improve the examination and approval efficiency of provident fund loans. Simplify the registration process of provident fund loans 1. SME 1 What are the loan policies? To handle mortgage loans for small and medium-sized enterprises, the following policies are formulated: (1) Broaden collateral. (2) Optimize the mortgage registration process: in other words, mortgage registration can be completed electronically, which greatly shortens the processing time and improves the registration efficiency. 2. Formulate the following policies for small and medium-sized enterprises to handle credit loans: (1) Reduce the cost of handling credit loans: That is to say, when small and medium-sized enterprises handle credit loans, financial institutions charge less, the amount of fees is smaller, and the loan interest is relatively small. (2) Shorten the approval time: That is to say, the loan approval time for SMEs to apply for credit loans is short, which also means that there are fewer approval items and the approval is relatively loose. (3) Innovative credit loan model: In other words, when SMEs apply for credit loans, borrowers can choose more loan products and have more choices. 3. Formulate the following policies for small and medium-sized enterprises to handle provident fund loans: (1) Improve the efficiency of approving provident fund loans: Through system docking, promote Beijing Housing Provident Fund Management Center to share property ownership information and mortgage registration information with the Municipal Planning and Land Commission, and improve the efficiency of loan approval. (2) Streamlined the registration process of provident fund loans: that is to say, when handling the registration of provident fund loans, there are fewer procedures and fewer places to go, which is more convenient. Second, small and medium-sized enterprises with enterprise credit loans conditions (1) have been established for at least three years; (2) The invoiced amount in the last six months is not less than 654.38+0.5 million; (3) Having a fixed business place; In good financial condition; (4) Other relevant conditions required by the bank. The loan term and amount of small and medium-sized enterprise credit loans are generally10-100000 yuan; The loan term is generally 1-3 years. Iii. Loan Application Procedure (1) Small and medium-sized enterprises apply for loans: applicants need to provide business licenses, tax registration certificates, organization code certificates, loan cards, recent financial statements and other materials that have passed the annual inspection; (2) Credit review and loan review of lending institutions; (3) The loan enterprise signs a contract with the loan institution; (4) Lending institutions issue loans. Legal basis: Article 14 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, the People's Bank of China shall comprehensively use monetary policy tools to encourage and guide financial institutions to increase credit support for small and micro enterprises and improve their financing environment. Article 15 The banking supervision institution of the State Council shall formulate differentiated supervision policies for financial institutions to provide financial services to small and micro enterprises, take measures such as reasonably increasing the tolerance of non-performing loans of small and micro enterprises, and guide financial institutions to increase the financing scale and proportion of small and micro enterprises, so as to improve the level of financial services. Article 16 The State encourages various financial institutions to develop and provide financial products and services suitable for the characteristics of small and medium-sized enterprises. National policy financial institutions shall provide financial services to small and medium-sized enterprises in various forms within their business scope. Article 17 The state promotes and supports the construction of inclusive financial system, promotes the orderly and healthy development of small and medium-sized banks, non-deposit lending institutions and Internet finance, and guides 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. Large state-owned commercial banks should set up inclusive finance institutions to provide financial services for small and micro enterprises. The state promotes other banking financial institutions to set up financial service franchises for small and micro enterprises. Regional small and medium-sized banks should actively provide financial services to local small and micro enterprises and promote the development of the real economy. Article 18 The state improves the multi-level capital market system, promotes equity financing through multiple channels, develops and regulates the bond market, and promotes direct financing of small and medium-sized enterprises through various means. Article 19 The state improves the secured financing system and supports financial institutions to provide secured financing for small and medium-sized enterprises with accounts receivable, intellectual property rights, inventories, machinery and equipment, etc. Article 20 When small and medium-sized enterprises apply for secured financing with accounts receivable, the payer of accounts receivable shall confirm the creditor-debtor relationship in time and support the financing of small and medium-sized enterprises. The state encourages small and medium-sized enterprises and payers to confirm the relationship between creditor's rights and debts through the accounts receivable financing service platform, so as to improve financing efficiency and reduce financing costs. Twenty-first people's governments at or above the county level shall establish a policy credit guarantee system for small and medium-sized enterprises, and encourage various guarantee institutions to provide credit guarantees for financing small and medium-sized enterprises. Article 22 The state promotes insurance institutions to carry out loan guarantee insurance and credit insurance business for small and medium-sized enterprises, and develops insurance products that meet the needs of small and medium-sized enterprises to spread risks and compensate losses. Article 23 The state supports credit reporting institutions to develop credit reporting products and services for financing small and medium-sized enterprises, and collects information from relevant government departments, public utilities and commercial institutions according to law. The state encourages third-party rating agencies to provide rating services for small and medium-sized enterprises.

What is the attitude of the state towards small and medium-sized enterprises and what are the requirements for loans?

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