What is the difference between the bank s small and micro business and other businesses?

Inclusive small and micro enterprises refer to the inclusive tax reduction and exemption policies granted by the state to small and micro enterprises. Small and micro enterprises refer to enterprises engaged in industries that are not restricted or prohibited by the state, and at the same time meet the three conditions of annual taxable income not exceeding 3 million yuan, the number of employees not exceeding 300 people, and the total assets not exceeding 50 million yuan.

According to the Notice of the State Administration of Taxation of the Ministry of Finance on the Implementation of the Inclusive Tax Reduction and Exemption Policy for Small and Micro Enterprises (CS 2019 No. 13), from January 1, 2019 to December 31, 2021, the part of the annual taxable income of small and low-profit enterprises not exceeding 1 million yuan will be included in the taxable income at a reduced rate of 25%, and the enterprise income tax will be paid at a rate of 20% (equivalent to paying tax at 5%); For the part of the annual taxable income exceeding 1 million yuan but not exceeding 3 million yuan, it will be included in the taxable income at a reduced rate of 50%, and the enterprise income tax shall be paid at a rate of 20% (equivalent to paying tax at 10%).

Now there are many platforms for small and micro enterprises to provide revolving operation loan services, such as Du Xiaoman Finance, Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has money to spend to fully support the production and operation of small and micro enterprises, and most small and micro owners choose to have money to spend to meet the needs of small and micro business turnover. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan of loans for small and micro business owners.

Small and micro loan credit and enterprise loan credit have a difference in scale.

Small and micro enterprises do not have a high credit rating in the bank, so they generally face the problem of financing difficulties, and the small and micro business launched by the bank is precisely to solve this problem, by adjusting the credit scale and upper limit of small and micro loans, so as to promote the solution of the financing difficulties of small and micro enterprises.

Separately for small and micro enterprises.

Traditional corporate credit is generally willing to extend credit to large enterprises, because which one are you willing to do with a single 1 million income and 10 orders with 100,000 income and 100 orders with 10,000 income? Moreover, the preparation materials and reports of each order are approximately similar. However, the state requires banks to give certain support to small and medium-sized enterprises, which is contradictory, so at the beginning no one in the bank is willing to do it, but the bank must complete the national indicators, what to do, so a wave of people are specially transferred to form a small and medium-sized enterprise credit department, so that they must do business in order to complete the target, so they do business is more targeted than the original, motivated, relatively speaking.

In the process of the development of China's market economy, the small and micro financial business has received more and more attention from commercial banks, starting from the development status of commercial banks, this paper introduces and analyzes the inevitability and feasibility of commercial banks to carry out small and micro financial business, and on this basis, the problems of financing difficulties, low service efficiency, fierce competition in the same industry, and difficulty in risk management are analyzed on the basis of commercial banks' small and micro financial business, and it is proposed to improve the service level of commercial banks and enhance the competitiveness of the same industry by strengthening financial innovation. Strengthen risk management and other policy recommendations for commercial banks to develop small and micro financial business. In order to promote the purpose of commercial banks to vigorously carry out small and micro financial business, and promote the healthy development of small and micro financial business.

Banks are all focusing on small WeChat loans and personal finance, and are relatively flexible local banks, such as Bank of Nanjing, Huishang Bank, etc., and rural credit cooperatives, which are more flexible than the four major banks in small and micro credit and personal finance.

The three are mainly the blank areas of the current banking business, aiming to solve the problem of financing difficulties for individuals and enterprises.

Small and micro finance: It mainly refers to activities that specifically provide small amounts of sustainable financial products and services to small and micro enterprises and low- and middle-income groups.

Microfinance: It is a financial service system specially established for the poor, low-income population and micro enterprises. These include microfinance, savings, remittances, and microinsurance.

SME Finance: refers to the customized financing solutions launched by financial institutions for small and medium-sized enterprises, in which existing enterprises raise funds and complete the investment and construction of the project, regardless of whether the project is completed or after the completion of the project, no new independent legal person will appear. Loans and other debt funds are actually used to invest in the project, but the debtor is the company and not the project, and the cash flow and assets of the entire company can be used to repay debts and provide guarantees; In other words, the creditor has full recourse to the debt, and even if the project fails, the company must repay the loan, so the risk level of the loan is relatively low.

If you still have questions, you can go to Xinrong.com to take a look.

The Bank's Small Business Credit Center is a branch of the bank.

It is a subordinate department of the company's business department and is a direct department.

There are three main differences, which are as follows.

1. In terms of registration, the four major banks will generally require higher registered capital, while the small banks will relax a lot in this regard.

2. In terms of convenience, the four major banks benefit from the national and even global system and can handle business in most areas, while the small banks are greatly discounted in this regard.

3. Administratively, the four major banks may require multiple appearances, repeated signatures, and higher management fees in handling business, while small banks may be relatively better at this point.

A company can open a basic account in a joint-stock commercial bank, a small bank or a local bank. Open a general account in the four major banks.

The difference between the two:

1. The settlement speed of the four major banks is fast, there are many outlets, the system of online banking, counter settlement, return box and so on is very mature, and the teller is proficient in operation.

2. There are few outlets and ATMs in small banks. However, local banks generally have a density of outlets in their areas not less than the four major banks, and their services are generally very cordial, and more importantly, local banks are generally close to local taxation, industry and commerce, and even the People's Bank of China.

The basic account opened by the company is mostly used for: settlement, tax payment, payroll, and cash withdrawal.

1. Understand your own business needs, first try to imagine what businesses should be handled regularly after opening an account, in addition to cash withdrawals and public to private, there are also those businesses, arranged according to the frequency of use, and select the most frequently used.

2. A good outlet, the business of the outlet, then there are naturally many people who handle the business, and the business ability may be limited if there are few people in the outlet, so it is necessary to understand the business needs before. The services of large banks may be a little worse, but there are many outlets, convenient deposits, and a wide range of exchanges. If it is possible, it is best to know the situation of the customers who open an account in a branch, and you can find an outlet with poor quality of existing customers, and the enterprise will get better service.

3. Geographical location, a good bank will not let customers often run business outlets. One month.

Once or twice it's almost the same, or even less (e-receipts, statements). So geographic distance is a small issue compared to meeting business needs.

3. Consult the teller before opening an account, pay attention to not being the lobby manager, maintain a good relationship with the teller after opening an account, and be familiar with your account manager, and the bank's affairs will be very smooth.

In fact, it doesn't matter which bank the basic account is set in, the general opening of the basic account is to better enjoy the national policy, you can open a general account in another, this general account can meet most of your needs, but this general account must have online banking, otherwise you have to run the bank every day, some banks will also help you withhold taxes.

On the whole, the four major banks are more prudent to use small banks.

But if you don't have a venue to prove the red book, you may consider a small bank, some small banks don't need to provide a red book or look at the venue and other conditions.

First of all, the tax office has nothing to do with the bank when filing the tax return. It's just a matter of withholding tax in accordance with the withholding agreement with you.

Some small banks charge less, and it is best to choose a bank that is closer to the company to make it more convenient.

Now online tax filing is deducted from the basic account, as long as the amount you deduct the balance on the basic account is enough, the tax deduction will be successful, the tax deduction is not successful, generally the balance of the basic account is not enough, the second is the tax declaration system problems. In fact, the opening of the basic account mainly depends on whether your company's customers are a lot of foreign customers, a lot of words in the field, in the first-tier cities, you can also choose a small bank, but there are remote areas or choose the four major banks are better, the arrival will be faster, some customers are paid to the delivery, small banks are relatively slow, and there is a look at your company's online banking payment frequency, the size of the amount, how much is the local and foreign online banking payment fees, you can call the bank's customer service to understand specifically, compare various fees, which is more cost-effective, which bank is closest to your company, the opening bank is close to the easy to do things, and some business must be handled at the counter.

Information required to open an account.

1.To open a basic account in Shenzhen, a legal person needs to be present in person.

2.You need to bring all the information (original and copy of business license, seal: official seal, financial seal, private seal of legal person, original ID card of legal person).

Details of the bank account opening process: the bank submits the verification document - the customer truthfully fills in the "Application for Opening a Corporate Bank Settlement Account" and affixes the official seal, the opening bank shall sign the "RMB Corporate Bank Settlement Account Management Agreement" with the depositor, and the opening bank and the depositor shall each fill in the "Affiliated Enterprise Registration Form" under which the bank will send it to the People's Bank of China for approval and approval, and the People's Bank of China will approve and issue the "Account Opening Permit".