应对疫情 苏州出台支持中小企业共渡难关的十条政策中英双语

据苏州市人民政府官网消息，今日，苏州市印发《关于应对新型冠状病毒感染的肺炎疫情支持中小企业共渡难关的十条政策意见》，支持中小企业应对新型冠状病毒感染的肺炎疫情。
According to the official website of the Suzhou Municipal People ’s Government, today, Suzhou issued the “Ten Policy Opinions on Supporting Small and Medium-Sized Enterprises to Solve the Pneumonia Epidemic of New Coronavirus Infection” to support SMEs to respond to the pneumonia epidemic of new coronavirus infection.
主要措施包括加大金融支持、稳定职工队伍、减轻企业负担等，同时明确责任单位，以积极发挥中小企业在疫情防控中的重要作用，支持中小企业共渡难关。
The main measures include increasing financial support, stabilizing the workforce, reducing the burden on enterprises, etc. At the same time, clarifying the responsible units to actively play the important role of SMEs in the prevention and control of the epidemic, and to support SMEs to overcome difficulties together.
具体内容如下：

一、支持对象
The details are as follows:

I. Supported Objects
受到新型冠状病毒感染的肺炎疫情影响，生产经营遇到困难的中小企业（符合工信部等四部门印发《中小企业划型标准规定》）。
Affected by a new coronavirus-infected pneumonia epidemic, small and medium-sized enterprises that have encountered difficulties in production and operation (in accordance with the Ministry of Industry and Information Technology and other four departments issuing the "Standards for Small and Medium-sized Enterprises")
二、支持措施

（一）加大金融支持

1.确保小微企业信贷余额不下降。

各银行机构加大对小微企业的支持，确保2020年小微企业信贷余额不低于2019年同期余额。对受疫情影响较大，以及有发展前景但暂时受困的小微企业，不得盲目抽贷、断贷、压贷。（责任单位：市金融监管局、人行苏州中支、苏州银保监分局）
(I) Increase financial support

1. Ensure that the credit balance of small and micro enterprises does not decrease.

All banking institutions will increase support for small and micro enterprises to ensure that the credit balance of small and micro enterprises in 2020 is not less than the balance of the same period in 2019. For small and micro enterprises that have been greatly affected by the epidemic, and have prospects for development, but are temporarily trapped, they must not blindly draw down loans, break loans, or oppress loans. (Responsible unit: Municipal Financial Supervision Bureau, Suzhou Branch of the People's Bank of China, Suzhou Banking and Insurance Supervision Branch)

2.确保小微企业融资成本降低。

鼓励各银行机构通过压降成本费率，加大对小微企业的支持力度，特别是“三必须一重要”重点领域和资金困难的中小企业，在原有贷款利率水平上下浮10%以上，确保2020年小微企业融资成本不高于2019年同期融资成本。（责任单位：市金融监管局、人行苏州中支、苏州银保监分局）

3.发挥各政策性银行“国家队”作用。

支持国家开发银行、农业发展银行、进出口银行、出口信用保险公司等在苏分支机构加大服务对接力度，全力满足疫情防控融资需求。落实国家开发银行苏州分行首批20亿元紧急融资额度，推动苏州银行、苏州农商行发放专项项目贷款，降低利率水平，确保贷款利率低于同期贷款市场报价利率水平，纳入工信等相关部门重点企业名单的，在此基础上下浮30%以上。（责任单位：市工信局、金融监管局、人行苏州中支、苏州银保监分局）

4.鼓励金融机构提供保障性金融服务。

持续开展“百行千人进万企”活动，组织金融机构通过走访、线上顾问、远程服务等形式，对小微、无贷企业特别是受疫情影响的企业进行顾问服务，逐户了解企业受疫情影响情况及金融服务需求，实现企业需求与金融供给的精准匹配和高效转化。各金融机构按照特事特办、急事急办原则，开辟快速审批通道，提供优质高效综合金融服务。（责任单位：市金融监管局、人行苏州中支、苏州银保监分局）

（二）稳定职工队伍

5.实施援企稳岗政策。

对不裁员或少裁员的参保企业，可返还其上年度实际缴纳失业保险费的50%。对面临暂时性生产经营困难且恢复有望、坚持不裁员或少裁员的参保企业，返还标准可按6个月的当地月人均失业保险金和参保职工人数确定，政策执行期限按照国家规定执行。（责任单位：市人社局、市财政局）

6.缓缴社会保险费。

对受疫情影响，面临暂时性生产经营困难，确实无力足额缴纳社会保险费的中小企业，按规定经批准后，可缓缴养老保险、失业保险和工伤保险费，缓缴期最长6个月。缓缴期满后，企业足额补缴缓缴的社会保险费，不影响参保人员个人权益。（责任单位：市人社局、市税务局、市财政局、市社保中心）

（三）减轻企业负担

7.减免中小企业房租。

对承租国有资产类经营用房的中小企业，1个月房租免收、2个月房租减半。对租用其他经营用房的，鼓励业主（房东）为租户减免租金，具体由双方协商解决。（责任单位：市国资委，各市、区政府<管委会>）

8.减免中小企业税费。

因疫情原因，导致企业发生重大损失，正常生产经营活动受到重大影响，缴纳房产税、城镇土地使用税确有困难的，可申请房产税、城镇土地使用税困难减免。（责任单位：市税务局）

9.延期交纳税款。

对因受疫情影响办理申报困难的中小企业，由企业申请，依法办理延期申报。对确有特殊困难而不能按期缴纳税款的企业，由企业申请，依法办理延期缴纳税款，最长不超过三个月。（责任单位：市税务局）

10.扶持中小企业创业园。

对在疫情期间为承租的中小企业减免租金的创业园、科技企业孵化器、创业基地等各类载体，优先予以政策扶持。（责任单位：市工信局、市科技局）

本政策执行期暂定为自政策发布之日起的三个月。中央、省出台相关支持政策，苏州遵照执行。由市工信局会相关部门负责政策解释。
2. Ensure that the financing costs of small and micro enterprises are reduced.

Encourage banking institutions to increase support for small and micro enterprises by reducing cost rates, especially small and medium-sized enterprises in key areas of “three musts and one important” and financial difficulties. The financing cost of small and micro enterprises in 2020 is not higher than the financing cost of the same period in 2019. (Responsible unit: Municipal Financial Supervision Bureau, Suzhou Branch of the People's Bank of China, Suzhou Banking and Insurance Supervision Branch)

3. Give play to the role of "national teams" of policy banks.

Support China Development Bank, Agricultural Development Bank, Export-Import Bank, Export Credit Insurance Company and other branches in the Soviet Union to increase service docking efforts and fully meet the financing needs of epidemic prevention and control. Implement the first batch of 2 billion yuan emergency financing quota of the China Development Bank Suzhou Branch, promote the Suzhou Bank and Suzhou Rural Commercial Bank to issue special project loans, reduce the interest rate level, ensure that the loan interest rate is lower than the quoted interest rate of the loan market during the same period, and include the industry and other relevant departments The list of enterprises will fluctuate by more than 30% on this basis. (Responsible unit: Municipal Bureau of Industry and Information Technology, Financial Supervision Bureau, Suzhou Branch of the People's Bank of China, Suzhou Banking and Insurance Regulatory Branch)

4. Encourage financial institutions to provide guaranteed financial services.

Continue to carry out the activity of “hundreds of people enter into ten thousand enterprises”, and organize financial institutions to provide consulting services to small, micro and non-credit enterprises, especially those affected by the epidemic, through visits, online consultants, remote services, etc. Affected by the epidemic situation and the demand for financial services, the precise matching and efficient transformation of corporate needs and financial supply was achieved. In accordance with the principles of special affairs and urgent affairs, all financial institutions have opened up fast-track approval channels and provided high-quality and efficient comprehensive financial services. (Responsible unit: Municipal Financial Supervision Bureau, Suzhou Branch of the People's Bank of China, Suzhou Banking and Insurance Supervision Branch)

(2) Stabilizing the workforce

5. Implement the policy of assisting enterprises to stabilize posts.

For insured companies that do not lay off staff or reduce layoffs, they can return 50% of the actual unemployment insurance premium they paid last year. For insured companies facing temporary production and operation difficulties, which are expected to resume, and insist on non-redundancy or fewer redundancies, the return standard can be determined based on the 6-month local monthly per capita unemployment insurance and the number of insured employees. . (Responsible unit: Municipal Bureau of Human Resources and Social Affairs, Municipal Finance Bureau)

6. Postponing social insurance premiums.

Affected by the epidemic, facing temporary production and operation difficulties, and indeed unable to pay social insurance premiums in full, after approval in accordance with regulations, they can defer pension insurance, unemployment insurance and work injury insurance premiums for a maximum of 6 deferred periods. month. After the deferment period expires, the enterprise will pay the deferred social insurance premiums in full, without affecting the individual rights and interests of the insured. (Responsible unit: Municipal Human Resources and Social Affairs Bureau, Municipal Taxation Bureau, Municipal Finance Bureau, Municipal Social Security Center)

(3) Reduce the burden on enterprises

7. Reduction and exemption of rents for SMEs.

For small and medium-sized enterprises that rent state-owned assets for operating houses, rents are exempted for one month and rents are halved for two months. For renting other business houses, the owners (landlords) are encouraged to reduce or exempt the rents for the tenants, which shall be resolved through negotiation between the two parties. (Responsible unit: Municipal SASAC, municipal and district governments <Administrative Committee>)

8. Reduction and exemption of taxes and fees for SMEs.

Due to the epidemic, major losses have occurred in the enterprise, and normal production and operation activities have been significantly affected. If it is really difficult to pay real estate tax and urban land use tax, you can apply for the difficulty relief of real estate tax and urban land use tax. (Responsible unit: Municipal Taxation Bureau)

9. Deferred payment of taxes.

For small and medium-sized enterprises that have difficulty in reporting due to the impact of the epidemic situation, the enterprise shall apply for deferred reporting in accordance with the law. For enterprises that do have special difficulties and cannot pay their taxes on time, the enterprises shall apply for deferred payment of taxes in accordance with the law for a maximum of three months. (Responsible unit: Municipal Taxation Bureau)

10. Support SME entrepreneurship parks.

Priority will be given to policy support for entrepreneurial parks, technology business incubators, and entrepreneurial bases, such as rent reduction or exemption for leased SMEs during the epidemic. (Responsible unit: Municipal Bureau of Industry and Information Technology, Municipal Science and Technology Bureau)

The implementation period of this policy is tentatively set to three months from the date of the policy's release. The central and provincial governments have issued relevant support policies, and Suzhou complies with them. The relevant departments of the Municipal Industry and Information Bureau will be responsible for policy interpretation.