It is necessary to introduce policies to relieve small and medium-sized enterprises from delaying payment of social security

category:Finance
 It is necessary to introduce policies to relieve small and medium-sized enterprises from delaying payment of social security


In front of the epidemic, more and more enterprises have introduced a temperature policy. Recently, Beijing, Shanghai, Chongqing, Shandong and other cities have introduced a series of policies to support the development of enterprises, especially to reduce the burden of small and medium-sized enterprises. Among them, delaying the payment of social security fee is a necessary option. If Shanghai postpones only three months to adjust the social security payment base, it will reduce the burden of enterprises by more than 10 billion yuan.

On February 4, Chongqing issued 20 policies and measures to support small and medium-sized enterprises in coping with the pneumonia epidemic of new coronavirus infection, covering financial support, tax reduction and fee reduction, optimization of services and other aspects. These policies and measures will be implemented until June 30, 2020.

Chongqing will further reduce the burden of enterprises. For those small and medium-sized enterprises that are affected by the epidemic and have difficulties in paying the real estate tax and urban land use tax, the tax will be reduced appropriately; for those small and medium-sized enterprises that are affected by the epidemic, the tax will be postponed and the social insurance premium will be postponed; for those that are affected by the epidemic, are facing temporary production and operation difficulties and are expected to recover, insist on no or less layoffs, We will implement the policy of returning the post of epidemic aid to stabilize enterprises, actively reduce the burden of paying and depositing the enterprises housing accumulation fund, reduce the rent, and reduce the burden of electricity and gas consumption. In addition, Chongqing will also implement the flexible employment policy. If the production and operation of the enterprise is difficult due to the impact of the epidemic, the enterprise can stabilize the work position by adjusting the salary, rotating the work time and shortening the working hours through consultation with the employees.

On February 4, Shandong Province issued several opinions on supporting the stable and healthy development of small and medium-sized enterprises in response to the epidemic situation of pneumonia caused by new coronavirus, and put forward 20 specific measures from four aspects to support small and medium-sized enterprises in the province to actively respond to the impact of the epidemic situation and achieve stable and healthy development. Among them, for small and medium-sized micro and micro enterprises affected by the epidemic situation and having difficulties in repaying due credit, banking institutions and local financial organizations should help enterprises to get through the difficulties by appropriately reducing interest rates, reducing overdue interest, adjusting the repayment period and methods, and should not blindly withdraw, cut off or squeeze loans. In 2020, the loan balance and new loan scale of all banking institutions in the province to small and micro enterprises shall not be lower than the same period last year.

Prior to this, Shanghai and Beijing have also successively introduced policies such as extending the collection period of social insurance premiums, and emphasized to increase credit support and subsidies for small and medium-sized enterprises affected by the epidemic. From this year, Shanghai will adjust the starting and ending date of the year of social insurance payment of Shanghai employees (including the year of employee medical insurance) to July 1 of that year to June 30 of the next year, delaying it for three months. According to the prediction of relevant departments, this measure will reduce the social security payment burden of enterprises in Shanghai by 10.1 billion yuan this year, including 6.4 billion yuan of enterprise endowment insurance fund and 3.34 billion yuan of medical insurance including maternity insurance fund.

As small and medium-sized consumer and foreign trade enterprises can neither work remotely nor start business together, they face operational losses and cash flow pressure. In this case, governments at all levels need to take necessary measures to help small and medium-sized enterprises rescue, alleviate the difficult losses caused by the inability to work during the epidemic prevention and control period, and help enterprises suspend the pressure of operation. Liu Xiangdong, Vice Minister of Economic Research Department of China International Economic Exchange Center, told Securities Daily.

According to Liu Xiangdong, measures should be taken to help small and medium-sized enterprises in different categories, such as providing liquidity support to tourism, catering and other aggregate consumer industries, providing credit support to foreign trade production enterprises, using robots to replace people to increase the degree of factory automation and increase the utilization rate of production capacity, and providing protection and safety measures to pharmaceutical and equipment industries The funds and financing support guarantee production and expand reproduction services, and serve epidemic prevention and control. For the off-site business enterprises, they should support remote office and remote service to minimize the loss of production and operation. Guo Yiming said that it should be pointed out that in addition to the policy support in social security, tax and rent, many places also give preferential policies in credit, but the proportion of SMEs getting loans from the financial sector is relatively low. It is suggested to establish a one-to-one assistance mechanism, or set up a poverty relief fund for small and medium-sized micro enterprises, etc. to effectively help small and medium-sized micro enterprises rescue; in addition, it can correctly guide small and medium-sized micro enterprises to properly transform and transform their production, such as actively turning offline activities to online activities, etc., so as to ensure the smooth progress of production activities. Of course, the government should give some subsidies to some industries seriously affected by the epidemic. Finally, for small and medium-sized enterprises themselves, they also need to help themselves to reduce costs to the greatest extent. Source: responsible editor of Securities Daily: Yang qian_nf4425

According to Liu Xiangdong, measures should be taken to help small and medium-sized enterprises in different categories, such as providing liquidity support to tourism, catering and other aggregate consumer industries, providing credit support to foreign trade production enterprises, using robots to replace people to increase the degree of factory automation and increase the utilization rate of production capacity, and providing protection and safety measures to pharmaceutical and equipment industries The funds and financing support guarantee production and expand reproduction services, and serve epidemic prevention and control. For the off-site business enterprises, they should support remote office and remote service to minimize the loss of production and operation.

Guo Yiming said that it should be pointed out that in addition to the policy support in social security, tax and rent, many places also give preferential policies in credit, but the proportion of SMEs getting loans from the financial sector is relatively low. It is suggested to establish a one-to-one assistance mechanism, or set up a poverty relief fund for small and medium-sized micro enterprises, etc. to effectively help small and medium-sized micro enterprises rescue; in addition, it can correctly guide small and medium-sized micro enterprises to properly transform and transform their production, such as actively turning offline activities to online activities, etc., so as to ensure the smooth progress of production activities. Of course, the government should give some subsidies to some industries seriously affected by the epidemic. Finally, for small and medium-sized enterprises themselves, they also need to help themselves to reduce costs to the greatest extent.