观车 · 论势 ||好政策，更要执行好

Core Viewpoint - The revised "Regulations on Payment of Small and Medium-sized Enterprises" has been officially implemented on June 1, providing hope for SMEs facing payment delays in a challenging economic environment [1][2]. Group 1: Regulation Implementation - The new regulations require large enterprises to pay within 60 days from the date of delivery, preventing indefinite payment delays [2]. - The regulations prohibit forcing SMEs to accept non-cash payment methods like commercial bills, ensuring quicker cash flow for SMEs [2]. - The regulations aim to create a fairer trading environment by banning conditional payments based on third-party payments, reducing uncertainty for SMEs [2]. Group 2: Challenges and Enforcement - Despite the positive changes, the implementation of the regulations faces challenges due to a slowing economy and reduced payment capabilities among enterprises [3]. - To ensure effective enforcement, it is essential to establish clear penalties for violations based on the amount and duration of payment delays [3][4]. - A national credit information platform should be established to blacklist companies that deliberately delay payments, restricting their access to government contracts and loans [3]. Group 3: Tailored Solutions for SMEs - Different sectors and sizes of SMEs have unique payment needs, necessitating targeted payment terms and solutions [4]. - For smaller enterprises, policies should favor cash payments and reduce the use of delayed payment instruments like bills [4]. - Financial institutions should be encouraged to offer short-term loans with government interest subsidies to support SMEs [4][5]. Group 4: Dynamic Policy Adjustments - Payment terms and solutions should be adjusted based on market conditions and the financial status of enterprises [5]. - Regular assessments of payment situations across industries will help in refining payment regulations and support policies [5]. - Addressing the payment issues of SMEs is crucial for the stability and growth of the national economy, particularly in the automotive sector [5].