【线上云德】疫情期间律师说（二十八）|疫情期间，政府各部门是如何支持中小微企业发展和加大对个体工商户扶持力度的？

2月底随着部分地区陆续准许复工，全国各地的企业都在准备进入正常营业模式，各地政府也纷纷出具了相应政策措施，鼓励各部门对中小微企业及个体工商户进行政策扶持，减少疫情对企业经营的影响，保证社会经济的稳步发展。

At the end of February, with the resumption of work in some areas one after another, enterprises all over the country are preparing to enter the normal business mode. Local governments have also issued corresponding policies and measures to encourage various departments to provide policy support to small, medium and micro enterprises and individual industrial and commercial households, so as to reduce the impact of the epidemic on enterprise operations and ensure the steady development of social economy.

3月1日，中国银行保险监督管理委员会、中国人民银行、国家发展改革委员会、中华人民共和国工业和信息化部、财政部五部委联合印发了《关于对中小微企业贷款实施临时性延期还本付息的通知》（以下简称“6号文件”），对符合条件、流动性遇到暂时困难的中小微企业贷款，给予临时性延期还本付息安排。文件指出，对于2020年1月25日以来到期的困难中小微企业（含小微企业主、个体工商户）贷款本金，银行业金融机构应根据企业延期还本申请，结合企业受疫情影响情况和经营状况，通过贷款展期、续贷等方式，给予企业一定期限的临时性延期还本安排。还本日期最长可延至2020年6月30日。同时根据上述企业的合理申请，也可免收罚息。具体的延期利息偿还计划，由银行业金融机构与企业双方自主协商、合理确定。

On 1 March, The Bank of China Insurance Regulatory Commission, the People's Bank of China, the National Development and Reform Commission, the Ministry of Industry and Information Technology of the People's Republic of China and the Ministry of Finance jointly issued the Notice on Temporary Deferred Repayment of Principal and Interest on Loans to Small and Medium-sized Micro-enterprises (hereinafter referred to as "Document No.6"). For loans to small and medium-sized micro-enterprises that meet the conditions and encounter temporary liquidity difficulties, temporary deferred principal and interest repayment arrangements will be given. The document pointed out that for the loan principal of difficult small and medium-sized micro-enterprises (including small and medium-sized business owners and individual industrial and commercial households) that have expired since January 25, 2020, banking financial institutions should give enterprises a temporary deferred principal repayment arrangement for a certain period of time by means of loan extension and renewal according to the application of enterprises for deferred principal repayment and in combination with the impact of the epidemic situation and operating conditions of enterprises. The principal repayment date can be extended to June 30, 2020 at most. At the same time, according to the reasonable application of the above-mentioned enterprises, penalty interest can also be exempted. The specific deferred interest repayment plan shall be reasonably determined by both banking financial institutions and enterprises through independent negotiation.

对于湖北地区，该文件扩大了适用企业主体范围，湖北省的各类企业都可以适用上述政策。也就是说湖北省的大型、中型、小型微型企业及个体工商户均可享受上述延期政策。同时，文件鼓励银行业金融机构对湖北地区配置专项信贷规模，降低湖北地区的企业融资成本。   

For Hubei region, the document expands the scope of applicable enterprises, and all kinds of enterprises in Hubei province can apply the above policies. In other words, large, medium, small and micro enterprises and individual industrial and commercial households in Hubei Province can enjoy the above extension policy. At the same time, the document encourages banking financial institutions to allocate special credit scale to Hubei region to reduce the financing cost of enterprises in Hubei region.

对于文件的落实有明确要求，主要包括三点：第一是做好需求对接。这一点也是在告诉企业，只有有需求的企业才会享受上述的政策，而需求如何表示呢？提交申请，接受审核。第二是明确支持重点。俗话说抓住主要矛盾才能解决问题。所以文件中提出重点支持前期经营正常、受疫情影响遇到暂时困难、发展前景良好的中小微企业，并举例示明交通运输、批发零售、文化娱乐、住宿餐饮行业为重点。第三是有效防范风险。众所周知，无利不起早，风险时时高。针对这次政府的扶持，为了防止欺诈和弄虚作假行为的出现，相关部门特别制定了监测措施进行风险排查，并采取惩戒措施，对违规行为纳入企业征信。

There are clear requirements for the implementation of the document, mainly including three points: First, to do a good job in the docking of needs. This is also telling enterprises that only enterprises with demand will enjoy the above policies, and how will demand be expressed? Submit the application and accept the review. The second is to clearly define the focus of support. As the saying goes, only by grasping the main contradictions can the problem be solved. Therefore, the document proposes to focus on supporting small and medium-sized micro-enterprises that operate normally in the early stage, encounter temporary difficulties affected by the epidemic and have good development prospects, and gives examples of transportation, wholesale and retail, culture and entertainment, accommodation and catering industries as the focus. The third is to effectively prevent risks. As we all know, no profit can afford to be early, and risks are always high. In response to the government's support, in order to prevent the occurrence of fraud and fraud, relevant departments have specially formulated monitoring measures to conduct risk investigation and taken disciplinary measures to include violations in enterprise credit investigation.

政府宏观支持，政策配套落实。相信经过大家共同努力，我们的经济一定能平稳的度过这一关。

Macro support from the government and supporting implementation of policies. I believe that through everyone's joint efforts, our economy will surely pass this stage smoothly.