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常州:精准滴灌,让“小个体”迸发“大能量”

其他
文章来源·新华日报

个体工商户不仅是经济的“微细胞”,更是社会和谐的“润滑剂”。8月27日,国家市场监管总局会同13个部门在常州启动第三届“全国个体工商户服务月”活动,这是该活动首次在北京以外的城市举办。此外,当天以“搭建桥梁,服务发展”为主题的“全国个体工商户发展网”正式上线发布。

近年来,常州高度重视个体工商户发展,2022年8月,由常州市市场监管局牵头,建立扶持个体工商户发展联席会议机制,连同发改委、工信、人社等15个成员单位,通过建机制、出政策、优服务、促转型等一系列措施,服务个体工商户全生命周期。

通过对个体工商户开展精准帮扶,让“小个体”迸发出“大能量”。截至8月底,常州市实有在册个体工商户56.46万户,约占全市经营主体总数的66%,带动近100万名城乡居民就业。

“个转企一件事”,激发民营经济新活力

“没想到现在个体工商户可以直接转为企业,不仅没有影响我们业务的正常开展,而且统一信用代码、开业日期、名称都可以保留下来,真是太方便了!”近日,溧阳市太云白茶生态庄园负责人黄先生通过“个转企”专窗,实现了个体工商户向有限公司的“一键升级”。

“个转企”是指具备一定条件的个体工商户,自愿转型登记为公司制企业或个人独资企业、合伙企业。个体工商户转企后获得法人资格,能够以股东认缴出资额为限,承担有限责任。

按照以往流程,“个转企”需先办理原个体工商户注销,然后再设立新公司,材料多、手续复杂。如今,申请人只需跑一个窗口、交一次材料,就能将事情办好,而且“个转企”升级后名称、字号可延续使用。

真金白银投入,激发经营主体活力和创造力。2022年7月,常州市市场监管局联合市财政局出台支持“个转企”财政奖励政策,对全市个体工商户在规定时间内升级为法人企业的,给予“个转企”财政奖励,单个企业年度最高奖励5万元。2023年,按照支持条件和工作流程,已对溧阳市东南建筑材料有限公司等42家“个转企”企业合计奖励资金23.23万元。去年8月,市场监管部门联合财政、税务、政务办等8部门推出20条举措,从加强“转型前”培育服务,优化“转型中”手续办理,强化“转型后”综合扶持三个方面,再次强化“个转企”支持力度。税务部门推出税收优惠直达快享,精准推送税收优惠政策,简化优惠申请流程。

一系列实打实的举措和“真金白银”的支撑浇灌,让更多的个体工商户活起来、红起来、火起来。2024年上半年,常州有355家个体工商户通过“个转企”转型升级成企业,转型总数同比增加42%。

创新“常个贷”,线上信用融资解难题

根据对全市1200户个体工商户发展需求的调研,融资难、融资贵一直是困扰个体工商户发展的难题。常州市市场监管局、人民银行常州市分行双牵头,联合12个职能部门建立个体信用数据库,归集全市56万个体工商户3000余万条数据信息,搭建个体信用评价模型,测算个体工商户信用评分——“常个分”,实现对个体工商户信用精准画像,通过模型运算获得信用得分,相关商业银行同步开发对应“常个分”的线上产品,个体工商户可以全流程线上办理信用贷款。无需重复提交资料,足不出户就能申请,时间从原来的3到5个工作日缩短至线上最快5分钟获得贷款。

“常个贷”利率低,综合成本在4%以下,远低于民间借贷利率。位于常州市钟楼区邹区镇林场村的个体工商户钟楼区邹区耀远金属制品厂,设备老化急需更换,通过“常个贷”“个人预授信经营贷款”申请贷款金额30万元,年化利率3.45%。该厂负责人蔡耀忠表示,“设备更换后,生产加工效率将稳步提升,有望实现销售、净利润双增长。”

“常个贷”打通了信息换信用、信用变融资、融资促发展的价值链条,将“死”数据变为“活”资源,将“急”需求变为“快”供给,在银行和有融资需求个体工商户之间架起了信任的桥梁。

截至目前,常州9家试点银行个体工商户经营贷户数5.13万户,个体工商户经营性贷款余额达505.70亿元。其中,以“常个贷”信用担保方式贷款户数2.08万户,信用贷款余额达75.32亿元。

分型分类,实现帮扶措施精准滴灌

生存型、成长型、发展型……天宁区是江苏省首批个体工商户分型分类精准帮扶工作试点区,一年来,全区8万余户个体工商户被精准划入“三型四类”,更选树了张国良烙画工作室等首批80户“名特优新”个体工商户作为重点发展对象。

有困难的要纾困,有潜力的要发展。据天宁区市场监管局副局长芦雅介绍,试点个体工商户分型分类精准帮扶工作,首先是突出“科学分”,全面掌握“三型四类”底数。市场监管牵头人社、税务等部门共享多方信息,建立个体工商户分型数据库,通过系统自动匹配、自动分型,最终形成符合“生存型”“成长型”“发展型”(以下简称为“三型”)个体工商户4.16万户。在分型判定的基础上,明确“名特优新”个体工商户19项分类标准,通过推选、走访、摸排,形成首批80户“名特优新”个体工商户名录。

精准帮扶实现政策直达快享。天宁区市场监管局采取线上线下相结合的方式,掌握区域“三型”个体工商户经营中的急难愁盼,了解各类个体工商户政策需求。通过创新搭建“个信通”服务平台,根据调查问卷结果,分别向不同类型个体工商户推送不同服务政策包。多渠道收集的反馈信息,会及时传递至联席会议成员单位处理。

合力推广激发个体发展潜能。天宁区市场监管局开展金融对接服务,将“成长型”“发展型”个体工商户全面纳入“常个贷”融资“白名单”,为相关经营主体提供便捷的信贷服务。还搭建专场引流平台,在历史文化街区青果巷、焦溪古镇组织开展多场次全区“名特优新”个体工商户产品巡展活动,引导消费者“打卡”体验。他们还深化“个转企”改革,联合9部门,在全省率先开展“1+1+N”个转企套餐办改革,实现证照一次性变更。

近年来,常州市市场监管局在全省首创“同城通办”登记模式,实现营业执照“全市通办通取”,在全省率先试点“开药店”“开便利店”“开餐饮店”一件事改革,积极推进个体工商户准入环节“一件事一次办”,跑出了政务服务“加速度”,全链条办事效能不断提升。