财政部：一揽子支持政策降低企业融资成本和门槛

Core Viewpoint - The recent fiscal and financial policies aim to stimulate private investment, with a focus on supporting small and micro enterprises through various financial incentives [1] Group 1: Policy Overview - The new policies include loan interest subsidies, special guarantees for private investment, risk-sharing mechanisms for private enterprise bonds, and optimized fiscal interest subsidies for equipment upgrades [3] - The interest subsidy for loans to small and micro private enterprises is set at 1.5% of the total loan amount, with a maximum loan limit of 50 million yuan and a subsidy period of up to 2 years [3] Group 2: Financial Impact on Enterprises - For example, a manufacturer of agricultural machinery seeking a loan of 50 million yuan can reduce interest expenses by 1.5 million yuan over two years due to the interest subsidy, enhancing the company's investment capacity [5] - The new "Special Guarantee Plan for Private Investment" aims to encourage banks to issue 500 billion yuan in loans to small and micro enterprises, addressing financing difficulties [7] Group 3: Loan Guarantee Details - Eligible small and micro private enterprises can receive support for medium to long-term loans needed for production expansion, renovation, and upgrades, with a maximum guarantee loan amount of 20 million yuan per enterprise [7] - The state can provide up to 8 million yuan in risk guarantees for a 20 million yuan loan, significantly increasing the likelihood of loan approval for enterprises with insufficient credit [9]