以“硬约束”破解中小企业“要债难”（纵横）

Group 1 - The core viewpoint emphasizes the importance of addressing the issue of overdue payments to small and medium-sized enterprises (SMEs) to enhance their operational efficiency and competitiveness [1][2] - The revised "Regulations on Ensuring Payment of Small and Medium-sized Enterprises' Receivables" aims to provide a legal framework for SMEs to recover debts, including stricter penalties for overdue payments [2] - SMEs are identified as crucial drivers of economic growth, employment, and innovation, yet they face significant challenges in debt recovery due to their relatively weak market position and inadequate enforcement of existing laws [1][2] Group 2 - The new regulations stipulate that government investment project funds must be secured according to national guidelines and prohibit construction units from advancing funds [2] - It mandates that government agencies and institutions must pay SMEs within 30 days of delivery of goods, services, or projects, and cannot require audit results as a basis for settlement [2] - A national complaint platform for overdue payments will be established, with a maximum processing time of 90 days, and local governments are tasked with enhancing oversight and enforcement against overdue payments [2]