Authoritative interpretation of the provisions of the SME classification standards

The criteria for the classification of small and medium-sized enterprises are as follows: if they are agricultural, forestry, animal husbandry and fishery, the small and micro enterprises that sell carefully refer to those with an operating income of less than 200 million yuan. The operating income of medium-dry filial piety enterprises should be 5 million yuan or more, the operating income of small enterprises should be 500,000 yuan or more, and the business income of micro enterprises should be less than 500,000 yuan.

1. Classification standards for small and medium-sized enterprises.

1. Small and medium-sized enterprise standards:

1) Agriculture, forestry, animal husbandry and fishery. Medium-sized enterprises with operating income of 5 million yuan or more, small enterprises with operating income of 500,000 yuan and above, and micro enterprises with operating income of less than 500,000 yuan;

2) Industry. Medium-sized enterprises with 300 or more employees and operating income of 20 million yuan or more; Small enterprises with 20 or more employees and operating income of 3 million yuan or more;

3) Construction industry. Medium-sized enterprises with operating income of 60 million yuan or more and total assets of 50 million yuan or more; Small enterprises with operating income of 3 million yuan or more and total assets of 3 million yuan or more.

2. Legal basis: Article 2 of the Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises.

"Small and medium-sized enterprises" as used in this Law refers to enterprises established in accordance with law within the territory of the People's Republic of China with relatively small staff and business scale, including medium-sized enterprises, small enterprises and micro enterprises. The classification standards for medium-sized enterprises, small enterprises and micro enterprises shall be formulated by the department responsible for the comprehensive management of the promotion of small and medium-sized enterprises in conjunction with the relevant departments of Ranghong, according to the indicators of enterprise employees, operating income, total assets, etc., combined with the characteristics of the industry, and shall be submitted for approval.

2. Loan risks for small and medium-sized enterprises.

Enterprise loan refers to a way in which an enterprise borrows money from a bank or other financial institution at a specified interest rate and term for the needs of production and operation. The loans of enterprises are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation. SME Loan Risk:

1. Information asymmetry risk, small and medium-sized enterprises may conceal some material information from banks;

2. Market risk, small and medium-sized enterprises are relatively small, low visibility, insufficient strength, low level of financial management, weak competitiveness, and poor ability to resist risks;

3. Credit risk: most small and medium-sized enterprises have an imperfect guarantee mechanism, weak credit and legal concepts, and low credit reliability;

4. Business risk, most small and medium-sized enterprises lack a sound corporate governance structure, serious short-term behavior, lack of core competitiveness or characteristic management;

5. Moral hazard, the financial management system of most small and medium-sized enterprises is not standardized, and the distortion of financial statements occurs from time to time.

The classification standards of each industry are:

Among them, medium-sized enterprises with operating income of 5 million yuan or more, small enterprises with operating income of 500,000 yuan or more, and micro enterprises with operating income of less than 500,000 yuan.

b) Industry. Small, medium and micro enterprises with less than 1,000 employees or operating income of less than 400,000 yuan. Among them, medium-sized enterprises with 300 or more employees and operating income of 20 million yuan or more are medium-sized enterprises; Small enterprises with 20 or more employees and operating income of 3 million yuan or more; Micro-enterprises with less than 20 employees or operating income of less than 3 million yuan are micro-enterprises.

3) Construction industry. Small, medium and micro enterprises with operating income of less than 80000000 yuan or total assets of less than 80000000 yuan. Among them, medium-sized enterprises with noisy business income of 60 million yuan or more, and total assets of 50 million yuan or more; Small enterprises with operating income of 3 million yuan or more and total assets of 3 million yuan or more; Micro enterprises with operating income of less than 3 million yuan or total assets of less than 3 million yuan.

4) Wholesale trade. Small and medium-sized enterprises with less than 200 employees or operating income of less than 4000000 yuan. Among them, medium-sized enterprises with 20 or more employees and operating income of 50 million yuan or more; It is a small enterprise with 5 or more employees and an operating income of 10 million yuan or more; Micro-enterprises with less than 5 employees or operating income of less than 10 million yuan.