On December 26, the general office of Heilongjiang provincial government issued several policies of Harbin on coping with the impact of the epidemic and further supporting the stable production and operation of small, medium-sized and micro enterprises and individual industrial and commercial households, so as to better coordinate and promote the epidemic prevention and control and economic and social development.
According to the policy, Harbin will reduce housing rent, reduce unemployment insurance expenses, delay payment of medical insurance premiums, delay payment of water and electricity expenses, reduce service charges, give loan interest discount, implement financial support policies for stabilizing posts, give play to the supporting role of government financing guarantee institutions, and carry out financing guarantee business for small and medium-sized scientific and technological enterprises We will strengthen the helping and driving role of state-owned enterprises, boost consumer demand, support platform enterprises to make profits, provide convenience for self-employed operators, actively solve the problems left over from the history of housing ownership registration, implement flexible law enforcement and other measures, and further support small, medium-sized and micro enterprises and self-employed businesses to deal with the impact of the epidemic and stabilize production and operation.
According to the policy, Harbin will set up a special interest discount fund of RMB 100 million to discount the loans within one year in 2022 for small, medium-sized and micro enterprises and individual industrial and commercial households engaged in wholesale and retail, accommodation and catering, education, tourism, sports and entertainment and transportation industries according to 30% of the quoted interest rate of the current one-year loan market. In principle, single medium-sized enterprises, small enterprises and micro enterprises (including individual industrial and commercial households) shall enjoy discount loans of no more than 10 million yuan, 5 million yuan and 2 million yuan respectively, and all kinds of discount policies at all levels shall not be enjoyed repeatedly.
Harbin will set up a 2 billion yuan stabilization post loan guarantee special fund to share the loan risks of financial institutions and encourage financial institutions to support the financing needs of small, medium-sized and micro enterprises and individual industrial and commercial households.
In addition, we will increase financing guarantees for small, medium-sized and micro enterprises and individual industrial and commercial households engaged in wholesale and retail, accommodation and catering, sports and entertainment, transportation, manufacturing and other industries, simplify guarantee procedures and reduce counter guarantee requirements. The government financing guarantee institution funded by the Municipal Finance shall give full reduction and exemption of guarantee fees to small, medium-sized and micro enterprises and individual industrial and commercial households with a single loan term of no more than one year and a loan guarantee amount of less than 5 million yuan (inclusive).
Harbin will also set up a municipal science and technology guarantee fund to provide guarantee and credit enhancement support of up to 10 million yuan to science and technology-based small, medium-sized and micro enterprises that carry out pledge loans of intangible assets and current assets such as patents, equity and accounts receivable.
(China Securities Journal · China Securities Network)
