At the beginning of the new year, the problem of financing difficulties for many small and micro enterprises is expected to be alleviated. According to the news from the provincial government yesterday, the “Opinions on Promoting Financing of Small and Micro Enterprises†issued by the Provincial Development and Reform Commission issued the issue, and the province will pass the innovation of financial products, provide “one-stop†financial services, and establish a collective bond issuance mechanism. The measures provide convenient and fast financing services for small and micro enterprises. The current situation of enterprises is difficult to finance small and micro enterprises An industry insider said that according to the experience of countless small and micro enterprises that she has contacted, it is a common problem for small and micro enterprises to raise funds. She said that a Xinxiang company has a production value of tens of millions per year, but it is not a loan because the company has too many bad assets. Today, companies are facing increasingly severe debt conditions. It is reported that there are currently 218,800 small and micro enterprises in our province, accounting for 92.8% of the total number of enterprises in our province. These small and micro enterprises play an irreplaceable role in promoting the economic development of our province, relieving employment pressure, improving people's livelihood and maintaining social stability. However, since last year, under the combined effects of rising raw materials prices and rising labor prices, the production and operation of small and micro enterprises in our province has been very difficult, especially the financing situation has become increasingly severe. Loan channel movable property, intellectual property rights, equity, etc. can all be used to pledge financing. How can small and micro enterprises be weak and banks can’t? Can there be some products and services suitable for small and micro enterprises? The "Opinions" pointed out that starting this year, the province will guide financial institutions to increase loans to small and micro enterprises. For the local method and financial institutions that have difficulties in financing the development of small and micro enterprises, the Zhengzhou Central Sub-branch will provide re-loan support; for small-scale micro-enterprises that are not owned by commercial banks, the bank acceptance bills can be preferentially rediscounted. The "Opinions" proposes to innovate financial products for small and micro enterprises. Various financial institutions can open pledge financing businesses such as movable property, intellectual property rights, equity rights, forestry rights, and charging rights, and develop financial services such as factoring, letters of credit, discounted bills, and supply chain financing. For small and medium-sized enterprises that produce parts or provide processing and marketing services for large and medium-sized enterprises, as long as there are production orders, cooperation agreements or effective entrustment contracts for large and medium-sized enterprises, large and medium-sized enterprises have guarantees or repayment commitments, and financial institutions may Loan conditions will be relaxed; for high-tech products and patented products with mature technology and good market prospects, as long as the repayment is guaranteed, it is necessary to actively issue loans. In determining the loan interest rate, financial institutions can comprehensively consider the growth cycle of small and micro enterprises, industry characteristics, regional cluster conditions, credit status, profitability and other factors, and reasonably determine the interest rate levels of different types of enterprises, and reasonably determine according to the credit rating and operating conditions of enterprises. The rate of interest rate fluctuation. Financing channels to establish a collective bond issuance mechanism To reduce the financing threshold for small and micro enterprises, the "Opinions" support the establishment of branches of city commercial banks, rural cooperative financial institutions should increase the production and processing of small and micro enterprises in the county, especially the service of "three rural" Support for small and micro enterprises such as storage, transportation and sales. In order to further broaden the financing channels of small and micro enterprises, the "Opinions" proposed that the provincial government financial office should select a group of small and micro enterprises to be included in the GEM listing reserve enterprise database, and promote the financing of eligible small and micro enterprises by supporting them. The Provincial Development and Reform Commission should also screen a number of outstanding small and micro enterprises, enrich the database of bond-issuing reserve enterprises, and promote the establishment of a mechanism for issuing bonds for SMEs. Through the issuance of bonds, a number of small and micro enterprises in our province have rapidly grown into leading enterprises in the industry or sub-sectors. The Zhengzhou Central Branch, the Provincial Government Financial Office, and the municipal governments of all provinces should use the “regional excellence†model to issue SME collection notes and short-term financing bonds. The Opinion also supports small and micro enterprises to issue collective bonds, collective notes, short-term financing bonds and collective trust plans. It also guides private equity investment institutions and venture capital institutions to increase investment and promote more small and micro enterprises to carry out equity financing. The tax exemption policy exempts financial institutions from stamp duty and exempts 22 fees from enterprises. To strengthen the service to small and micro enterprises, the Opinions pointed out that the promotion of financial institutions from the provision of funds to the provision of comprehensive financial services. At the same time, improve the government's service level for small and micro enterprises. Some departments of the government need to analyze the funding needs of local small and micro enterprises, and some need to make suggestions for financing small and micro enterprises. In terms of increasing tax and fee policy support, the Opinions also proposed a series of measures, including the exemption of stamp duty on financial institutions' loans to small and micro enterprises for three years, including the extension of the pre-tax deduction policy for financial institutions' SME loan loss reserves. By the end of 2013, the policy of reducing the operating income of eligible rural financial institutions by 3% to the business tax will be extended to the end of 2015. In addition, small-scale micro-enterprise loans for commercial banks that issue financial bonds corresponding to a single household of less than 5 million yuan may not be included in the assessment scope when calculating the loan-to-deposit ratio. Allow commercial banks to treat small micro-enterprise loans with a single-funded credit of less than RMB 5 million as the risk weight of retail loans and reduce capital occupation. We will implement the clean-up of unreasonable charges for small and micro enterprises, and temporarily levy 22 fees for registration of small and micro enterprises, tax invoices, customs supervision fees, certificate of origin of goods, and supervision fees for agricultural machinery. A certain proportion of the issuance fee subsidy is granted to enterprises that successfully issue SME collective bonds, collective notes, short-term financing bonds and collective trust plans. The finance at all levels shall, in accordance with the proportion of the financial contribution not exceeding 5%, arrange funds in the budget to compensate for the compensation losses and supplementary risk reserves incurred by the guarantee institutions under the financial investment holding of this level.The in vitro culture of cells and tissues has become an indispensable part of life research and practice. 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