Jin Guanping: Symposium on Precise Assistance to Individual Industrial and Commercial Households | Industrial and Commercial Households | Individual
The State Administration for Market Regulation recently held a symposium on individual businesses and released several sets of data: in the first half of the year, 11.365 million new individual businesses were added nationwide, a year-on-year increase of 11.3%; In late June, a survey conducted by the State Administration for Market Regulation showed that the proportion of individual industrial and commercial households surveyed who operate normally has increased from 77% at the beginning of the year to 90.2%. The data shows that the "capillaries" of the Chinese economy have strong vitality, and entrepreneurs are striving to capture market opportunities.
It should also be noted that although the living conditions of individual businesses have improved, they still face many difficulties. 43.4% of surveyed individual businesses are still in a loss making state; Many interviewed individual businesses have reported that the biggest problems they are currently facing are low orders, low customer flow, and insufficient consumption. A survey shows that although the proportion of individual businesses whose financing needs have not been met has decreased from 52.9% to 49.6%, many individual businesses still report high credit loan thresholds and low success rates.
At the symposium, the actual difficulties reported by 10 individual business owners are highly consistent with statistical data, and some issues involve multiple departments, indicating the need for more systematic, personalized, and refined assistance for individual business owners.
Only by facing the problem squarely can we solve it. Solving the various difficulties currently faced by individual businesses is the threshold that China's economy must overcome to accelerate recovery.
As of the end of June, the number of registered individual industrial and commercial households in China reached 119 million, accounting for 67.4% of the total number of operating entities. They are an indispensable force in the Chinese economy and an extremely valuable asset. Some of them have been passed down from generation to generation to protect traditional intangible cultural heritage techniques; Some are hardworking and open a small restaurant or barber shop to serve the people's livelihood; Some are rooted in rural areas, driving villagers out of poverty and becoming prosperous. In recent years, the new individual economy represented by micro commerce, e-commerce, and online live streaming has flourished, reaching 34 million households, accounting for 28.5% of the total number of individual industrial and commercial households. While solving individual employment, it has also driven the transformation and upgrading of other industries.
Good fish still need good water management. In August 2021, the State Council agreed to establish an inter ministerial joint meeting system to support the development of individual businesses. Relevant departments studied, formulated, and promoted the promulgation of the "Regulations on Promoting the Development of Individual Businesses", introducing a series of preferential measures such as tax refunds, reductions, exemptions, and rent reductions. They also improved credit evaluation and management based on the production characteristics of individual businesses, and increased financial support.
From the actual situation, these measures have achieved significant results, but they are still far from enough. To enable 119 million individual industrial and commercial households to live better and play a greater role, targeted assistance needs to be implemented.
For example, in response to the characteristics of a large number and wide range of individual businesses, significant differences, and diverse interests, a three-dimensional assistance mechanism should be established. Regularly hold symposiums to provide them with the opportunity to communicate face-to-face with the supervisory department, and enhance the scientificity of decision-making by enhancing interactivity.
Recently, relevant departments have stated that they will promote financial institutions to actively launch more credit products based on the actual needs of individual businesses in various regions; Guide platform enterprises to tilt their traffic towards small farmers, struggling merchants, and new merchants, strengthen compliance management, and effectively safeguard the legitimate rights and interests of merchants. There is reason to believe that these arrangements will effectively alleviate the worries and difficulties of individual businesses.