The face of the growing pains of small and micro enterprises how to do? 
■ Editor's Note 
Stable and healthy development of small and micro enterprises, is the harmony of the group, and the livelihood of the blessing, is an important driving force of economic development, but also the main force to solve the employment problem. Small and micro enterprises to thrive, have a bright future economic development. 
Statistics show that as of now, the city a total of more than 10,000 small and medium micro enterprises, mainly involved in industrial, wholesale and retail, transportation, warehousing, construction and other seven industries, of which 80% belong to small and micro enterprises. 
However, the city's small and micro enterprises as small scale, weak anti-risk ability and other reasons, many companies even face pressure to survive, including raw material price fluctuations, lack of market demand, rising labor costs, has been unable to effectively solve the financing problems. 
For small and micro enterprises operating difficulties, we need to improve the current loan "addition", but also do a good job of taxes "subtraction" and the upgrading of the "multiplication." Therefore, small and micro enterprises, we have to "look at the high, love-thirds", a comprehensive carding policies for supporting the spirit of "can be avoided, can and reductions that can slow the slow" principle, increase the rate cut , tax cuts and fee reduction efforts and work together to help defuse the pressure on small and micro enterprises in our city, out of the woods. 
What is the small and micro enterprises? 
Small and micro enterprises are small enterprises, micro-enterprises, family-owned enterprises, individual industrial and commercial households, collectively, by the economist Professor Lang presented. To implement the "People's Republic of SME Promotion Law" and "the State Council on further promotion of SME development a number of opinions", the Ministry and other four ministries revised criteria for the classification of SMEs, the new standard was July 4, 2011 release executed. 
New standards: SME divided into medium-sized, small, micro three types of specific criteria according to business practitioners, operating income, total assets and other indicators, combined with the characteristics of the industry to develop. 
Among them, the criteria for the classification of industrial enterprises: with less than 1000 employees operating income of 400 million yuan or less for small and medium micro enterprises. Which, employing 300 people or more, and operating income of 20 million yuan and above for medium-sized enterprises; employing 20 people or more, and operating income of 3 million yuan and above for small businesses; employing less than 20 people or business income $ 3 million for micro-enterprises. 
Support measures ① 
"Tax cuts" for the small and micro enterprises "paving the way" 
By combing the current preferential policies, the city's small and medium micro enterprises benefit from the following tax support (excerpt): 
1, have been identified as high-tech enterprises for SMEs and micro-enterprises, reduced 15% enterprise income tax. 
2, for eligible small low-profit enterprises, 20% of the applicable corporate income tax rate. Since January 1, 2012 to December 31, 2015, on the annual taxable income below 60,000 yuan (including 60,000 yuan) a small profit, the reduced rate of 50% of its income included in taxable income, 20% of the corporate income tax rate. 
3, SMEs and micro-enterprises to develop new technologies, new products, new techniques of research and development costs, intangible assets are not formed through profit or loss, in accordance with the provisions of 100% deduction based on the actual amount can then The 50% increase in the corporate income tax before deduction; formation of intangible assets, in accordance with 150% of the cost of amortization of intangible assets. 
4 of venture capital enterprises engaged in national priority support and encourage venture capital, in accordance with a certain percentage of their investment deduction from the taxable income. Venture capital investment companies to take equity investments in unlisted small and medium sized high-tech enterprises more than 2 years (including 2 years), and meet the specified conditions, in accordance with its investment of 70% of the venture investment enterprises deductible taxable income; meet the deductible conditions and inadequate deductible in the year, you can offset future tax years for renewal every year. 
5, support the development of advanced technology-based service enterprises, have been determined on the advanced technology service enterprises, reduced 15% enterprise income tax. The certified on advanced technology service employee education expenses incurred by an enterprise does not exceed 8% of total wages, according to real corporate income tax deduction, part that exceeds its allowed deduction in future tax years over. 
6, support the development of SME credit guarantee institutions, to meet the conditions for exemption and credit guarantee institutions included in the list of tax-exempt SME credit guarantee institutions, their access to the guarantee and re-guarantee business revenue, since the security agencies to the competent tax authorities for tax formalities date, three years be exempted from business tax. 
7, to meet the requirements of the National University Science Park, Technology Business Incubator (Hi-tech Innovation Service Center), from 1 January 2008 to 31 December 2012, and its own use as well as free or by leasing companies and other ways to hatch use of real estate, land, exempt from property tax and urban land use tax; them to the incubator companies hiring, housing and the provision of incubation services income, exempt from sales tax. 
8, SMEs have particular difficulties can not be scheduled because of the tax, may apply for deferred payment within three months. SMEs pay urban land use tax is indeed difficult conditions and in accordance with tax relief, according to the relevant provisions of relief. 
② support measures 
Loan discount Deal resolve the "hard labor" 
The city issued a "further improve the labor-intensive Bengbu about small business loan discount related issues notice" (hereinafter referred to as "Notice"), in support of entrepreneurship promotion of employment, through the implementation of small loans financial discount to support individual entrepreneurs and labor-intensive small business development, continue to build the city's entrepreneurial incentives to promote employment. 
On the one hand, to increase efforts to support labor-intensive small businesses. Actively improve the relevant policies to further reduce the threshold for the identification of labor-intensive small enterprises and relax labor-intensive small business insurance conditions. Expand the amount of subsidized loans, the loan amount of 200 million (inclusive), in accordance with the benchmark interest rate of 50% to give discount, credit lines 2 million yuan to 400 yuan the following section in accordance with the benchmark interest rate to 25% to give discount. Expand the scope for issuing small loans, small loans to meet the conditions of a limited liability company founded by the applicant into the scope of issuance solutions to SME financing. Timely cash discount capital, when the cash discount capital 1,170,000 yuan, labor-intensive banking institutions to guide small business loans more than 8800 yuan, to a certain extent eased the pressure on small business financing. 
On the other hand, efforts to make small loans to laid-off workers. Actively promote the "you loan me discount" mode to further support their own businesses. Where the household accounts and hold "Employment and Unemployment registration certificate" registered unemployed persons and their own businesses in rural household registration, engaged in self-employed or start a business in the city to apply for business loans of all commercial banks, in line with the conditions of small loans, Enjoy small secured loan discount policy. Small loans to further reduce the counter-guarantee conditions. Counter-guarantee measures take many forms: loan applicant or his relatives houses (two cards complete); party and government organs, institutions, staff and well-run, stable income and all kinds of employees, social organizations staff; operating normally business. Improved small loans repayment. 
③ support measures 
Financial system to help small and micro enterprises alleviate the "money shortage" 
To implement the provincial government office recently issued "on the promotion of SMEs play a guiding role of fiscal and the" three rural "development of a number of opinions" (hereinafter referred to as "Opinion"), the city will Take Measures to ease the financing difficulties of small and medium micro enterprises to support the development of small and medium micro enterprises. 
SME financing in support of the development aspects, one is through the implementation of compensation, incentives and other policies to guide the banking institutions to increase support for SMEs. Provincial cities banking institutions within the jurisdiction of the new small and micro-enterprise loans, small and micro enterprises according to their year quarter average balance of loans increased 2 ‰ the amount of reward; newly established village banks, loan companies and rural mutual funds Society, in fact, give 1% money-capital income, the maximum does not exceed 100 million one-time award. Various commercial banks in the county within the newly established branches, each of 300,000 yuan by the provincial government to be a one-time subsidy. Restructuring of rural credit cooperatives in rural commercial banks, the provincial government to give one-time award of $ 200,000. While encouraging financial institutions to develop suitable for SMEs, "three rural" and entrepreneurial employment of innovative products. 
Second is to encourage financing guarantee institutions to increase credit to small businesses, the implementation of the guarantee fee subsidies to reduce the SME loan guarantee rate. Financing guarantee institutions quarter average balance increased financing guarantees and financing guarantees magnification up to 5 times (or more), the financial guarantee its financing magnification 5-10 times (including) the amount corresponding to the part of the financing secured by 1.5 ‰ reward ratio, single-family maximum does not exceed 150 million. Compliant operation, in line with the conditions of the county financing guarantee institutions guarantee the financing of projects to receive funding at current guarantee fee income of 20% to be subsidized, single-family maximum of 1.5 million. 
Three is to take incentives, subsidies, etc., to support SME financing and issuing bonds listed direct financing.Successful restructuring, and the sponsor agreement signed listing guidance, counseling listed in Anhui CSRC handle registration of SMEs listed on the reserve, fiscal subsidies given to two million yuan. In the small board or GEM IPO successful SMEs, to give $ 1 million reward. Successful implementation of listed SMEs refinancing, offer 100 yuan reward. Successful implementation of debt financing for SMEs, provincial and local financial issue expenses were given to 10%, the maximum not more than 200,000 yuan in subsidies. 
According to enterprise reporting, City Commission by letter recognition and financial department, the 2010 should be allocated a total of 8.3551 million yuan of special grant funds, including risk compensation funds 7,213,500 yuan, lower guarantee fee subsidies 1,141,600 yuan. 
Policies to support small and micro enterprises; 
June 29, 2002, "The People's Republic of China SME Promotion Law" by the Ministry of the Ninth National People's Congress Standing Committee passed its twelfth meeting, January 1, 2003 into effect. 
February 19, 2005, "the State Council on Encouraging, Supporting and Guiding the individual and private and other non-public economic development in a number of opinions" (Guo Fa [2005] on the 3rd) introduced. 
August 25, 2006 in Anhui Province of the Tenth People's Congress Standing Committee 25th Meeting "SME Promotion Regulations of Anhui Province", December 1, 2006 into effect. 
December 12, 2008, Anhui provincial government issued (Wan Fa [2008] No. 19) "to further promote the individual and private and other non-public sound and rapid economic development issues." 
January 15, 2009, the municipal government office issued a "Circular on Forwarding Bengbu patent pledge loan management approach of the notice" (mussels Zhengban [2009] No. 11). 
January 15, 2009, government office issued a "Circular on Forwarding Bengbu SME Credit Guarantee Fund for urban use of special funds management approach (Trial) notice" (mussels Zhengban [2009] No. 13). 
January 15, 2009, the municipal government office also issued a "forward Bengbu city on interest payments on loans and risk compensation SME use of special funds management approach (Trial) notice" (mussels Zhengban [2009] No. 14). 
September 19, 2009, "the State Council on further promotion of SME development a number of opinions" (Guo Fa [2009] No. 36) issued. 
November 16, 2010, City Industrial Development Leading Group issued (mussels workers [2010] the 4th) "on the issuance of special funds for SME development, Bengbu use and management Interim Measures." 
November 16, 2010, "People's Government of Anhui Province, to further promote the non-public economy and accelerate the development of SMEs in the implementation of views" (APG [2010] No. 93) issued. 
June 18, 2011, the Ministry of Industry, the National Bureau of Statistics, the National Development and Reform Commission, Ministry of Finance issued "on the issuance of SMEs plan Standard provisions of the notice" (the Ministry of associated enterprises [2011] No. 30). 
October 12, 2011, Premier Wen Jiabao chaired a State Council executive meeting, the study identifies support small and micro-enterprise development, financial, fiscal policy measures, known as the "National nine." 
November 2011, to reduce the burden on small and micro enterprises, and promote the healthy development of small and micro enterprises, Ministry of Finance, National Development and Reform Commission issued a notice, decided from 1 January 2012 to 31 December 2014, on the small and micro enterprises Free Zheng management class, register and license administrative fees, specifically including corporate registration fees, tax invoice fee, customs fees, certificate of origin fees, Agricultural Commissioner fees 22 charges. 
December 12, 2011, the municipal government office issued "on accelerating the development of SMEs to promote their products sell certain opinion" (mussels Zhengban [2011] No. 122). 
Case 
"Even we are small and micro enterprises." 
Reporters saw Gao Ling Bengbu sensing systems engineering Co., Ltd. Chairman Li hair when he was sounded spring to prepare for the 2012 Chinese New Year Celebration, "You see, 'Wu Zhi Gao Ling take the opportunity to realize their dreams' is my company in the past year Summary. "Lee Long said," the company's development think I have done every year, summed keyword. " 
Gao Ling Bengbu sensing systems engineering Co., Ltd. is specialized in developing and manufacturing various types of multi-force sensor and its application instrumentation, automation and control system of high-tech enterprises and private enterprises. 
"Innovation outwit wind waves", "self-reliance another breakthrough" ...... Lee Long said, "this all behind words to all employees in both the cheer, but also on behalf of the company to adjust the overall development of ideas."
"We had was small and micro enterprises!" Turning to small and micro enterprises, Li hair feeling a lot, in 2000, Lee hair in preparation for the plant when the high-tech zone, only a dozen yuan of funds on hand, and then buy land, and towers, equipment plus with at least more than 160 million. "Many small businesses start and as we were the biggest problem is lack of money. Banks do not give loans I borrowed 300,000 acquaintances first, then find friends and relatives to borrow over and over, managed to scrape together 1.5 million, barely The factory branch up. "
From 2003 to 2006, the company's value did not go up each year in the 1.5 million yuan to 1.8 million yuan wandering, as the company has been heavily in debt, always by the club meeting West home, barely, "I was the belief that, as long as good products, plus working correctly, I am more afraid of debt. " 
Commitment and stick, etc. to the enterprise in the spring. "2007 was a turning point in our company," Lee Long told reporters that the company developed a new high-precision pressure sensor received $ 200,000 in provincial special support funds, it is also from the beginning, the company's various economic indicators for double. 2009 companies were included in the province's 1000 sustainable development to support enterprises, tied market statistics scale electronic information products manufacturing enterprises, included in the provincial focus on the development of electronic information industry enterprises. 2011, annual output value has reached five years ago, more than ten times, corporate car steering wheel control system developed national research projects, but also to secure the country's 350,000 yuan financial support. 
Li Long admitted that "before people are governing our private enterprise called self-employed, even tone also with something disdain, which thought the government and subsidies, but a few years, I really truly feel, from national to local, small and medium Enterprises are increasing efforts to support the. " 
"Over the last 10 years, the growth process, businesses along the way, of course, depending on their innovation, tireless efforts, policy support is crucial." Lee Long said that last year, the enterprise has purchased a piece of land, and now enterprise covers an area of 3.6 acres from the past has now reached eight acres, the staff from the original 20 employees to more than 100 people. 
During the interview, the reporter in Li Long's desk neat to see several complete resume. "Before, we want people, people willing to come, this time, every day, many job seekers find the factory directly to candidates." Lee Long said, "said the annual Chinese New Year dinner the whole plant it, just plant from The two tables of people when empty, to this year's 15 tables full of people Dangdang, people feel happy, but also feel a responsibility to the future, the future we will continue to 'for the benefit of employees, social returns, harmony and win-win'. "