Project Introduction

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 (1) SME assistance program introduction
        SMEs in Macao economy plays a decisive role in economic development and employment contribution to the Macao Special Administrative Region Government will support the development of SMEs has been classified as long-term policy objectives.In May 2003, in response to prevailing socio-economic situation, the Government launched the "SME assistance program" to provide interest-free financial assistance to alleviate the SARS event was affected by the business, and improve the business environment and support for SMEs improve operational capabilities.
        In recent years, rapid economic growth in Macao, but also to obtain the corresponding part of the development of SMEs, but there are also some small and medium enterprises from the overall rapid economic growth has not benefited, but due to lack of resources, production technology and management level lags, competitiveness is not high factorimpact of increased operational difficulties, survival and development under attack.Government aware of the situation faced by SMEs, in order to continue to be effective and appropriate assistance to the development of local SMEs, respectively, in 2006 and 2009 on "SME assistance program" to amend the content, so SMEs in Macao rapid economic development, also the corresponding development opportunities and support.
        Through the newly revised "SME assistance program", business interest-free financial assistance available for business enterprises to buy the necessary equipment; working places for the renovation, renovation and expansion project; entered into concession contracts or commercial franchise contract;the exclusive right to access to technology or intellectual property rights; for publicity and promotional activities; enhance the viability and competitiveness; as a corporate working capital; or used due to abnormal, failed to predict or force majeure events which led to economic and financial difficulties of the situation; maximum amount of assistance MOP five hundred thousand yuan, aid funds can be divided into up to eight installments.

(2) SME Credit Guarantee Scheme
        "SME Credit Guarantee Scheme" to provide maximum benefit for each applied for seventy percent of bank loan credit guarantee; maximum credit guarantees amounting to one 3.5 million yuan.This guarantee does not include interest and amortization of loans and other related burden.
        Aims to help SMEs through the provision of credit guarantee to obtain bank financing, loans granted can not be used to repay existing debt, loans are no special restrictions.
        Plan provides for a maximum loan repayment period of 5 years from the date of the loan contract terms.
 
  (3) Special Credit Guarantee Scheme for SMEs
        "SME Credit Guarantee Scheme special" needs of special funds for SMEs of up to one hundred percent of bank credit guarantee to support its business innovation and transformation, promotion and publicity of the brand management, and special projects to improve the product quality.
        In addition, the project also aims to assist directly affected by the exception, failed to predict or force majeure events, especially by natural disasters or epidemic events of the SMEs to obtain bank financing to address the payment of staff salaries, rent and other short-term trading places cash-flow problem.
        Maximum per insured loans MOP million; and the guarantee does not include interest and amortization of loan-related and other burdens.
        Aims to help SMEs through the provision of credit guarantee to obtain bank financing, loans granted can not be used to repay existing debt, loans are no special restrictions.
        Plan provides for a maximum loan repayment period of 5 years from the date of the loan contract terms.