欢迎扫描下方二维码关注： 前言 自2025年5月1日起，辽宁省施行 《超过法定退休年龄劳动者等特定 从业人员参加工伤保险办法（试 行）》 ，允许用人单位为超过法 定退休年龄且不超过70周岁的劳 动者等特定从业人员单险种参加工 伤保险。这一政策的实施，既保障 了超龄劳动者的权益，也分散了用 人单位工伤风险。我们 梳理了热 点问题 ，帮助用人单位更好地理 解和执行该政策。 一、哪些用人单位能参保？ ▼ 我市行政区域内各类企业、国家机关、事 业单位、社会团体、民办非企业单位、基 金会、律师事务所、会计师事务所和有雇 工的个体工商户（以下称用人单位）。 不 包括家政服务企业、互联网平台企业、快递 企业（未来另有政策保障） 。 二、哪些人员能参保？ ▼ 超过法定退休年龄且不超过70周岁的劳动 者（含已享受基本养老保险待遇人员，以 下简称超龄劳动者），应当参保； 年满16周岁的职业学校（含技工院校）实 习 学 生 ， 包 括 统 一 安 排 的 学 期 性 实 习 学 生、签订三方实习协议或经学校批准自行 联系实习单位的实习学生和用人单位使用 的勤工助学学生，自愿参保； 在见习单位见习的离校2年内未就业高校毕 业 生 和 ...

Core Viewpoint - The transformation of individual businesses into enterprises is a crucial measure to stimulate market vitality and promote high-quality economic development [1][2][3] Group 1: Policy Implementation - The Tashkent Market Supervision Bureau is actively exploring new models for efficient service in the transformation of individual businesses into enterprises, aiming to optimize the business environment and enhance market vitality [1] - As of now, four individual businesses have successfully completed the transformation process through online and offline registration [1] Group 2: Service Enhancement - The bureau has organized personnel to visit individual businesses to understand their challenges during the transformation process and provide assistance [2] - A full-service support system has been implemented, including a "green channel" for consultation, application, and approval, with measures such as "one matter, one time" processing and zero fees for business establishment [2] Group 3: Process Simplification - The process has been further optimized by reducing required materials and integrating application forms, allowing for a streamlined submission process [3] - A comprehensive service window has been established for the transformation process, enabling integrated handling of business registration and tax changes, facilitating a "one-stop" service experience [3] - The transition from individual business to enterprise represents not only a change in identity but also an improvement in the business environment and market governance capabilities [3]

Group 1 - The article emphasizes the streamlined process for individual business owners to transition to corporate entities, highlighting the necessary documentation and conditions for both direct changes and cancellation plus establishment [3][4]. - It outlines the required materials for individual business owners to apply for change registration, including an application letter, tax clearance certificate, and a commitment letter confirming compliance with relevant regulations [3]. - The article encourages local authorities to facilitate the process by allowing combined registration for cancellation and establishment, thus enabling applicants to submit materials once to complete all procedures [3][4]. Group 2 - It details the administrative licenses that can be continued, such as industrial product production licenses and food production licenses, provided that the essential approval conditions remain unchanged [4]. - The article specifies that individual business owners holding a tobacco retail license can transition to a sole proprietorship without needing to reapply for the license if the investor remains the same [4]. - It mentions that transportation licenses can also be updated through the relevant transportation departments when individual business owners shift to corporate forms [4]. Group 3 - The article discusses the government's commitment to support the transition of individual businesses to corporate entities by including them in employment policy support and enhancing vocational training [4]. - It highlights the efforts to address labor demand and the continuation of reduced unemployment and work injury insurance rates during the transition period [4].

Core Viewpoint - The implementation plan aims to facilitate the transformation of individual businesses into enterprises in Shanxi Province, enhancing the efficiency of government services related to this process [1] Group 1: Implementation Plan - Eight departments in Shanxi Province have released a work implementation plan to promote the transformation of individual businesses into enterprises [1] - The plan utilizes a registration business system that emphasizes inter-departmental collaboration, system interoperability, and data sharing [1] - The goal is to achieve a streamlined process characterized by "one notification, one application form, one set of materials, one window for acceptance, and one online handling" [1] Group 2: Eligibility and Scope - All individual businesses that are not marked as operating in an abnormal state or listed in serious violation of trust or enforcement lists can apply for transformation [1] - Eligible transformation options include sole proprietorships, partnerships, and limited liability companies [1]

Core Viewpoint - The increasing support for the transformation of individual businesses into enterprises (referred to as "individual-to-enterprise" or "个转企") is leading to heightened attention from banks towards providing financial services to these businesses during their growth phase [1][2]. Policy Support - Multiple policies supporting the "individual-to-enterprise" transformation have been implemented since July, including the "Regulations on the Registration and Management of Individual Businesses" which took effect on July 15 [2]. - The "Guiding Opinions" issued by nine departments, including the State Administration for Market Regulation, emphasize enhancing financial services for individual businesses transitioning to enterprises, promoting a long-term mechanism for lending [2]. Financial Products - Banks are launching targeted financial products to support the transformation, such as "Growth Loans" with a monthly interest rate as low as 2.5‰ and "Individual-to-Enterprise Easy Loans" [1][2]. - The transition from individual business loans to corporate loans will require banks to adjust their management practices, although the overall loan volume and revenue will remain unchanged [2]. Classification and Support - As of May 2025, there are 1.85 billion private economic organizations in China, with individual businesses accounting for 1.27 billion, representing 68.65% [3]. - The State Administration for Market Regulation is implementing precise support measures for different types of individual businesses, with a goal to establish a "National Individual Business Directory" by the end of 2024 [4][5]. Regional Initiatives - Various regions, such as Ningxia and Guizhou, are developing tailored support measures for individual businesses based on their operational status, tax contributions, and employee numbers [5][6]. - Banks are creating innovative products like "Merchant Circle Loans" to enhance financial service precision for individual businesses [6].

Core Viewpoint - The launch of the "One Thing" platform in Jiangsu aims to streamline the process for individual businesses to transition into enterprises, reducing costs and improving efficiency in the transformation process [1] Group 1: Implementation of the Platform - The "One Thing" platform integrates multiple departments and processes into a single application, allowing for a more efficient transition from individual business to enterprise [1][2] - The platform is designed to retain essential information from individual businesses, such as establishment date and business license, while simplifying the transition process [1] Group 2: Service Optimization - The platform allows for simultaneous application for 11 different business-related services, including tax verification and business license changes, through a single submission of materials [2] - It provides a pre-check query for various account statuses and licenses, enhancing the efficiency of the application process [3] Group 3: Streamlining Approval Processes - The number of required documents for transitioning from an individual business to a limited company has been reduced from 43 to 9, and the processing time has been cut from 23 working days to 5 [4] - The platform enables a significant reduction in the number of required visits, changing the process from at least 13 visits to a zero-visit online application [4] Group 4: Support for Transitioning Businesses - Individual businesses wishing to transition can apply to be included in a nurturing program, receiving tailored guidance and support from regulatory authorities [5] - The platform also provides resources for businesses that have already transitioned, helping them navigate challenges during the transition period [6]

Core Viewpoint - The document outlines the guidance issued by nine departments, including the State Administration for Market Regulation, aimed at simplifying the process for individual businesses to transition into enterprises, thereby enhancing support and cultivation efforts for these entities [1][2]. Group 1: Simplification of Processes - The guidance aims to address pain points in business operations by breaking down departmental barriers and streamlining processes such as business registration, policy subsidy applications, and business deregistration [1]. - Key initiatives include "one-stop" services for business registration, direct access to policy subsidies, and expedited business deregistration, significantly reducing time and costs for market participants [1]. Group 2: Support for Transitioning Businesses - The guidance emphasizes the importance of supporting "growth-oriented," "development-oriented," and "specialized" individual businesses in their transition to enterprises, incorporating them into a dynamic management and tiered cultivation system [2]. - Post-transition, businesses will receive support in employment policies, vocational training, and will benefit from reduced insurance rates, as well as tax incentives for qualifying small and micro enterprises [2]. Group 3: Respect for Business Autonomy - The guidance stresses the need to respect the operational choices of individual businesses, prohibiting any coercion or inducement to transition to enterprises, and avoiding the establishment of quantitative targets for the transition process [2].

Core Insights - The province has seen a significant increase in the transformation of individual businesses into enterprises, with 1,465 new transformations in the first half of the year, representing a 155% increase compared to the same period last year [1] - The structure of business entities is continuously optimizing, with 89.62% of transformed enterprises now in the tertiary sector, indicating a clear trend towards diversification and high-end development in industries such as wholesale, retail, and accommodation [1] - 70.03% of the transformed entities are now limited liability companies, reflecting the accelerated adoption of modern enterprise systems [1] Policy Support and Implementation - The provincial market regulatory bureau has strengthened policy support by establishing a joint meeting system with provincial departments to promote the development of individual businesses and has introduced a series of supportive policies [1] - Efforts include simplifying registration processes, tax reductions, and increased financial investment to encourage individual businesses to transition into enterprises [1] - The bureau has implemented a "one-stop" service for the transformation process, optimizing the review process through data sharing and collaborative handling among departments [1] Financial and Training Initiatives - The bureau has partnered with financial institutions to create the "Qin Zengxin" platform, aimed at addressing financing difficulties faced by small and specialized businesses [1] - Training activities have been organized to provide legal and policy support to individual businesses, helping them solidify their development foundation and enhance their confidence in transformation [1] - Future plans include increasing policy promotion efforts and establishing credit models for individual businesses to facilitate their upgrade and transformation [2]

Group 1: Policy Initiatives - The State Council has announced the replication and promotion of 77 pilot measures from the Shanghai Free Trade Zone to accelerate institutional openness across the country [1][2] - Among the 77 measures, 34 will be replicated in other free trade zones, while 43 will be implemented nationwide, enhancing the pace of institutional openness [1] - The measures aim to optimize international transit operations, improve customs management, and enhance trade facilitation, ultimately reducing costs for enterprises [1] Group 2: Financial and Data Management - The notification includes policies to strengthen the application of digital RMB, enhance the functionality of free trade accounts, and optimize cross-border fund management for multinational companies [2] - In the realm of data management, the notification supports the establishment of negative lists for data export, allowing data to flow without extensive security assessments, thus facilitating efficient cross-border data movement [2] Group 3: Brand Development in State-Owned Enterprises - The State-owned Assets Supervision and Administration Commission has issued guidelines to enhance brand management in central enterprises, emphasizing the integration of brand strategy with overall business development [3][4] - The guidelines outline six comprehensive measures, including strengthening brand goal management and enhancing brand internationalization to increase global influence [4][5] Group 4: Support for Individual Businesses - The market regulatory authority has introduced measures to streamline the process for individual businesses transitioning to enterprises, allowing for direct changes or a simplified "cancel and establish" approach [6][8] - The initiative aims to support individual businesses in scaling up and enhancing the quality of the private economy through improved administrative efficiency and financial support [6] Group 5: Skills Training Initiatives - Fujian Province has launched a three-year action plan for vocational skills training, targeting key groups such as unemployed graduates and rural workers, with a goal of training 600,000 individuals [9][10] - The plan promotes a project-based training model that combines job demand with skills training, evaluation, and employment services to address structural employment issues [9]

Core Viewpoint - The recent policy changes support individual business owners in transitioning to formal enterprises, enhancing their operational capabilities and legal status [1][2]. Group 1: Policy Changes - The new regulations, effective from July 15, 2023, provide a streamlined process for individual business owners to transition to enterprises, allowing for direct change of registration without the need to dissolve the original business [2][4]. - The regulations include 40 articles that address the unique legal attributes and operational characteristics of individual businesses [1]. Group 2: Transition Process - Individual business owners can now apply for a change of registration directly with the registration authority, either by changing the operator or through a combination of cancellation and establishment of a new enterprise [2][4]. - The original establishment date and unified social credit code of the individual business will be retained during the transition [2]. Group 3: Support Measures - The guidelines emphasize the need for enhanced support for individual businesses transitioning to enterprises, focusing on growth-oriented and high-potential businesses [5][6]. - Financial support mechanisms will be improved to facilitate access to credit for transitioning businesses, including tax incentives for eligible enterprises [6]. Group 4: Administrative Efficiency - The process for transitioning to an enterprise has been optimized, including online verification of tax clearance and the ability to handle related administrative tasks simultaneously [4][5]. - Administrative licenses will be simplified and extended to ensure continuity for businesses during the transition [4].