再好的政策，不落实也是一纸空文。为此，政府要深入了解企业诉求，相关部门应进行有针对性的帮 扶，实施好阶段性降低失业保险、工伤保险费率政策，尽可能降低企业社保缴费负担。同时，应完善培 训补贴政策，确保资金按时拨付。此外，要为企业提供相关法律咨询援助服务，切实降低用工风险。 针对企业面临的诸多急难愁盼问题，相关部门还应建立快速响应、协同联动、政企沟通的常态化机制， 精准收集企业在生产、融资、用工、市场等方面的诉求，推动惠企减负政策落实落地，让暖心服务举措 精准触达企业。 作为经济运行的细胞，企业是推动经济高质量发展的活力源泉，无论是大而强，还是小而美，都是市场 经济不可或缺的组成部分。对企业来说，持续投资和扩大生产来自对未来的信心，只有持续破除隐性壁 垒，才能让更多企业安心经营、放心投资。（本文来源：经济日报 作者：郭存举） 除了企业账款拖欠问题，有些地方还存在以罚代管、以罚增收等现象，加重了企业负担，影响其发展信 心。另外，企业用工等要素成本也在逐年提高。 前不久，国务院减轻企业负担部际联席会议委托第三方机构对工业企业负担情况进行了调查评估。结果 显示，部分助企政策信息不共享、平台不统一问题突出，导致政策兑现不 ...

Core Insights - The increasing scale of accounts receivable and extended payment terms among enterprises pose significant risks to cash flow and operational stability, potentially leading to systemic financial risks [1][2][3] - The government is taking comprehensive measures to address the issue of delayed payments, emphasizing the importance of resolving this problem for economic stability and social credit [1][7] - The financial sector is expected to play a crucial role in alleviating the accounts receivable issue by providing necessary credit support and facilitating smoother cash flow [1][15] Group 1: Current Situation - As of May 2025, accounts receivable for large industrial enterprises reached 26.40 trillion yuan, a 9% year-on-year increase, with an average recovery period of 70.5 days, up by 4.1 days [1][2] - The construction and manufacturing sectors are particularly affected, with government departments and large enterprises being the main debtors, often exploiting their bargaining power to delay payments [2][3] Group 2: Internal Mechanisms - While credit sales are a normal business practice, malicious delays can lead to a collapse of commercial credit and supply chain disruptions [3][4] - The misuse of credit mechanisms by dominant market players exacerbates the issue, leading to increased cash flow pressure for smaller enterprises [3][4] Group 3: Causes of Delays - Economic downturns and the malicious practices of core enterprises contribute to the worsening accounts receivable situation [4][5] - Core enterprises often impose excessively long payment terms and stringent conditions, which further complicates the payment landscape for smaller suppliers [4][5] Group 4: Financial Solutions - Developing a diversified financial market can positively impact the resolution of accounts receivable issues, as seen in more developed economies [5][6] - Financial institutions can provide necessary credit support to enterprises facing temporary cash flow challenges due to delayed payments [6][15] Group 5: Domestic Practices - Strengthening legal frameworks and enhancing credit constraints are key measures being implemented to address the accounts receivable problem [7][8] - The government has initiated multiple rounds of debt clearance actions, establishing clear timelines and accountability measures [9][10] Group 6: International Practices - Various countries have established legal frameworks to enforce timely payments, with the EU and the UK setting strict payment deadlines and penalties for delays [11][12] - Efficient dispute resolution mechanisms are in place in several countries to assist small and medium enterprises in recovering debts [12][13] Group 7: Financial Sector's Role - The financial sector can alleviate accounts receivable issues by providing financing support, risk management, and credit restoration [15][16] - Innovations in supply chain finance can help convert accounts receivable into immediate cash flow, easing financial pressures on smaller enterprises [16][17] Group 8: Challenges Faced - The financial sector faces challenges such as the misuse of credit tools and the lack of transparency in accounts receivable management [18][19] - Regulatory gaps and the absence of a unified oversight mechanism complicate the resolution of accounts receivable issues [21][22] Group 9: Future Directions - To effectively address accounts receivable challenges, financial services must focus on regulatory compliance and proactive measures [22][23] - Establishing a collaborative ecosystem among various stakeholders, including government, banks, and industry associations, is essential for creating a supportive environment for timely payments [24]

Core Viewpoint - The article emphasizes that the rule of law is the best business environment, highlighting the ongoing legislative process of the Private Economy Promotion Law, which aims to enhance the legal status and protection of the private economy in China [1][2]. Summary by Sections Legislative Progress - The Private Economy Promotion Law draft is undergoing its second review, with improvements noted in its execution and specificity regarding various issues faced by private enterprises [1][3]. Key Highlights of the Law - The law establishes fundamental principles such as equal treatment, fair competition, and equal protection, affirming the legal status of the private economy as a vital component of the socialist market economy [3]. - It includes detailed provisions addressing specific challenges faced by private enterprises, enhancing its enforceability and protective measures [3][4]. Legal and Regulatory Recommendations - There is a suggestion to further refine the legal responsibilities concerning accountability for violations, enhancing the law's deterrent effect [4]. - The principle of "law permits what is not prohibited" should guide private enterprises in their innovative business practices, ensuring they do not fear legal repercussions as long as they operate within legal boundaries [5]. Addressing Enforcement Issues - Recommendations include strictly limiting the authority to freeze corporate bank accounts, ensuring that such measures are necessary, reasonable, and proportionate [8]. - There is a call for clearer regulations regarding the restriction of personal freedom for corporate leaders to prevent operational disruptions [9]. Tackling "Involution" Competition - "Involution" competition is identified as a form of unfair competition, primarily driven by leading companies abusing their market dominance, which threatens the survival of smaller enterprises and harms consumer interests [13]. - A multi-faceted approach is suggested to combat "involution" competition, including strict enforcement of antitrust laws and enhancing corporate credit evaluation systems [14]. Bankruptcy Law Revisions - The article highlights the need for improvements in the bankruptcy law, particularly in the areas of bankruptcy liquidation and reorganization, to better protect creditor and consumer rights while promoting economic development [15].