Zigamulo za Kayendedwe ka Ndalama ya ku Australia zimaumba mwachindunji malo a zachuma ndi malamulo amene makampani aang'ono ndi ang'ono amagwira ntchito. Kuchokera pa kukhoma msonkho ndi kugwiritsa ntchito ndalama zoyendetsera chuma ndi ndalama zoyendetsera, malamulowa amakhudza zonse kuyambira tsiku ndi tsiku kupita ku njira yamakono yopitira patsogolo. Kumvetsa mfundo za Khirisimasi n’kofunika kwa eni SME, adviser, ndi opanga malamulo, pamene amathandiza kulinganiza bwino, kuyendetsa zinthu, ndi kuyendetsa zinthu. Nkhaniyi ikupereka kupenda kowonjezereka kwa dziko lamakono, kusintha kwaposachedwapa, ndi kuyembekezera njira zoyendera m'kambira m'malamulo za bungwe la Australia zokhudza SMEs.

Ntchito ya Ofesi ya Makampani a ku Australia m’Malamulo a Zakuta

Bungwe la Australia ndilo bungwe lalikulu la zachuma logwirizanitsa boma, lokhala ndi udindo wopanga ndi kugwiritsa ntchito malamulo a zachuma, kuyendetsa bajeti, ndi kusintha kwa zachuma. Zosankha zake zimakhudza SMES kudzera m'lamulo la msonkho, madongosolo a loni, njira zothandizira anthu kukhazikitsa, ndi kukhazikika kwa zachuma kumene kumachirikiza malonda. Ndalama imagwira ntchito pamodzi ndi Ofesi ya Office (ATO), Saceturances ndi Invements Commission (ASIC), ndi mabungwe ena kutembenuza malamulo a zamalonda.

Ntchito Zachuma Ndiponso Kukhazikika

Malo abwino a zachuma odziŵika bwino [1] Kukwera mtengo kwa ndalama, ulova wochepa, ndi ziŵerengero zachiwongola dzanja zokhoza kuyendetsedwa ndi SME. Ntchito ya Kernal poyang'anira malamulo a boma (kuwononga ndi kukhoma msonkho) ndi kugwirizana ndi Reserve Bank ya ku Australia (RBA) pa lamulo la za ndalama imayambitsa mwachindunji mikhalidwe imene SMEs amalandira, kuikizira ndalama, kuyendetsa, ndi kuyambitsanso. Pamene zosankha za Ndalama zitsogolera ku ku kupereŵeruka kwa ndalama kapena kusintha kwa misonkhozo kwadzi, kuthekera kwa kutsa malonda aang'ono ndi kuwonjezera mtengo wa ndalama.

Ozemba Lamulo la Kuwononga Ndalama

Treasurer imagwiritsira ntchito ziŵiya zazikulu zitatu zimene zimayambukira SMEs: msonkho, ndalama zowonongedwa ndi boma (kuphatikizapo ndalama zachindunji ndi zitsimikizo) , ndi malamulo. Kachipangizo kalikonse kangagwirizanitsidwe kusonkhezera kapena kukakamiza ntchito ya bizinesi. Mwachitsanzo, pamene chuma chikugwa, Khate yanga ikhoza kuyambitsa chithandizo cha msonkho wa kanthaŵi kapena kuwonjezera ndalama kuti asunge madzi. Panthaŵi ya kukula, kulimbitsa kwa mapangano kukhoza kulimbitsa. Kugwira ntchito kwa makampani ameneŵa kumadalira pa kuyendetsa bwino ndalama ndi kuyendetsa kwapadera kwa SMEs.

Atsamunda Okhomereza Msonkho Amakhudza Malo

M’zaka zaposachedwapa, kusintha zinthu kwachepetsa msonkho wa mabizinesi aang’ono pamenenso kuwonjezereka kocholoŵana m’madera ena.

Msonkho Waung’ono wa Mabizinesi ndi Kuupha

Boma lachepetsabe ndalama za makampani za msonkho wa makampani aang'ono (makampani amene amasinthasintha ndalama zawo pa AUD 50 miliyoni) kuyambira 27.5% mpaka 25% poyerekeza ndi chaka cha ndalama 2021-22. Kuchepetsa kumeneku kumaika ndalama zambiri zotsala m’manja mwa eni mabizinesi, kuchirikiza kubwezeredwa ndi kufutukuka kwa makampani. Kuwonjezera apo, ndalama zotsika za msonkho wa makampani pa ndalama za anthu (25%) zimapereka phindu lalikulu poyerekezera ndi makampani olipira 30%. Bungwelo limagwiritsa ntchito mafotokozedwe a “bizinesi aang'onoang’ono . (aisintha a AUD 10 miliyoni) kuti apeze chilo chovomerezeka, kuphatikizapo malamulo osavuta a msonkho ndi ndalama za ndalama za makampani (CGT) zaka 15 zapitazo opangitsa malonda.

Kwa amalonda okha ndi mayanjano, ndalama zochepetsera msonkho zonga ngati ndalama zopindulira ndalama za ndalama zaganyu yaing’ono ya bizinesi (tsopano zochepetsedwa kufika ku 8% monga 2023-24) zimathandiza kuchepetsa misonkho yogwira mtima, ngakhale kuti kuchepetsa kwake kopita patsogolo kumasonyeza kulimba kwa ndalama. Ndalama ya zachuma nthaŵi zonse imapenda madeti ameneŵa ndi ziŵerengero monga mbali ya bajeti.

NTCHITO ndi Zolemetsa

Makampani a GST amakhazikitsa katundu wovomerezeka pa SMES, makamaka amene amafunikira kupereka mfundo za ntchito. Ofesi ya Makampani yapanga malamulo osiyanasiyana . Kuphatikizapo njira yochitira lipoti GST pamaziko a ndalama, kubwerera kwa pachaka kwa mabizinesi oyenerera, ndi njira zochepetsera malonda a chakudya ndi kuchereza alendo. Komabe, mfundo zaposachedwapa za ATO zikusonyeza kuti ndalama zovomerezeka za GST zingawononge 2% ya makampani aang'ono, kupanga simplataishoni yosatha kutumiza anthu oimira SME ku SME monga Bungwe laung Mabungwe a Mabizinesi a Ang’ono (COSBOA).

Malo Olembera ndi Likulu

Imodzi ya njira zotchuka kwambiri za Treasureal ndiyo chuma cholembedwa (tsopano cha kanthaŵi koma chofutukulidwa). Pansi pa malamulo amakono (2023-24), makampani aang'ono okhala ndi madesiki oletsedwa pansi pa AUD 10 miliyoni angachotse mofulumira chuma chofunikira chosakwana AUD 200,000 (chitsekocho chinawonjezeka kwa kanthaŵi kufikira AUD 1500,000 pa nyengo ya CHOVID-19). Lamulo limeneli limathandiza SMES kusungitsa ndalama m'zipangizo, tekinoloji, ndi galimoto popanda kuyembekezera ndandanda ya zaka zambiri za kukwera kwa ndalama. kampani imagwiritsira ntchito kulemba monga chothandizira kusonkhezera malonda panthaŵi ya zachuma, koma kanthaŵi kochepa kulinganiza kwake kwa chilengedwe kupangitsa kusatsimikizirika.

Kupeza Ndalama ndi Ngongole

Ndalama za Ndalama za Ndalama zimasonkhezera ndalama kupyolera m’makonzedwe achindunji, kuyang’aniranso machitachita obwereketsa, ndi malamulo amene amachirikiza misika ina ya ndalama.

Boma Linapanga Zochita Zamalonda

M’mliri wa CoVID-19, Treasure inayambitsa SME Menict Scheme ndi SME Recovery Loan Scheme , pansi pake boma linachirikiza 80% ya ngongole zoperekedwa ndi obwereketsa. Mapangano ameneŵa anatulutsa mabiliyoni a madola m'makampani ogwira ntchito m'makampani amene anali kuvutikira kupeza ngongole. Kompani ya ndalama ikupitiriza kuyendetsa maprogramu otsimikizira zigawo zakutizakuti (m'jere., Autotive Transformation Argendiation Sy, ngakhale kuti atha) ndi mabizinesi a eni ake kupyolera kupyolera ku Iveice Australia. Mapangano opitirizabe a mabizinesi ameneŵa amadalira pa bajeti ndi mikhalidwe ya zachuma.

Malamulo Owonjezera a Ndalama ndi Ochirikiza Anthu Ambiri

Kayendedwe ka kampani kasintha kayendetsedwe ka bungwe la ndalama zoyendetsera gulu (CSF) ndi kubwereketsa ausinkhu wanu, kupangitsa kuti zikhale zosavuta kuti SMES zikweze ndalama zoyendera limodzi ndi zapanja pa banki yamwambo. Pansi pa Corporations Amendment (Collegiated Officeing) Act 2017, makampani oyenerera angakwezeretsa tsopano ku AUD 5 miliyoni pachaka kudzera ku CSF interdiadies . Kbanki inachepetsanso ziyenero zovomerezeka zopereka zogwirizana ndi zopereka zazing'ono, zosunga ndalama zosungidwa ndi kulowa m'ka ndi kulowamo. Chotulukapo chake ndi njira yochepetsetsa koma yokulira ya SMEs yomwe ili yopanda kuyang'anira kapena malonda a mbiri ya kusungitsa ndalama za banki.

Kusunga Ndalama ndi Kusamalira Ndalama

Treasurer, mu ASIC ndi Australian Prudgetive Regateal Authority (APRA), yatchulanso malamulo athayo m’zaka zaposachedwapa kuchepetsa mtolo wogonjera kwa obwereketsa pamene akusunga chitetezo cha ogula. Pambuyo pa 2020-1 wobwereza wa National Consumer Conservetion Protection Act, obwereketsa tsopano ali okhoza kuwongolera ndalama zokongola za bizinesi, zimene zawongolera kupezeka kwa ngongole kwa ma SME . Komabe, mikangano yopitirizabe yonena za kubwereketsa ndalama ndi za ndalama za mabanki a m'chigawo imapitiriza kukonzanso malamulo a za ndalama za ndalama za kampani.

Kusintha kwa Malo ndi Kugwirizana

Kupyola pa msonkho ndi ndalama, malamulo a Ndalama amapanga malamulo a kukonzanso SMEs tsiku ndi tsiku. Kuchepetsa ndi kuchepetsa tepi yofiira kwakhala zinthu zofunika zoyamba, koma kupita patsogolo kuli kosagwirizana.

Kulemba ndi Kusimba Mabizinesi Mopepuka

Treasure yakhazikitsa njira zothandizira zonga mabizinesi a Modersing Business Registers (MBR), zimene zikufuna kugwirizanitsa kulembetsa kochuluka (ABN, ASIC, msonkho) kukhala dongosolo limodzi lokhala ndi mchezo. Business Simplinication ndi Homillining Programme imayesanso kuchepetsa chiŵerengero cha mabizinesi aang'ono amene akupereka chidziŵitso chimodzimodzi kwa mabungwe osiyanasiyana. Pamene kuli kwakuti zoyesayesa zimenezi zachepetsedwa ndi mavuto a zaluso, malangizowo ngomveka bwino: mafomu ochepa, madoko, ndi matherere owonjezera a za . Ofesi a Australia Small Business ndi Enprise Omble Ombs (ASFE) adayamikira zoyendera zimenezi koma kuti ntchitozo zifunikira kupita patsogolo mofulumira popereka chithandizo chenicheni.

Chiyambukiro cha Maunansi a Maindasitale ndi Kupambana

Pamene kuli kwakuti Khate ya Makampani siikhazikitsa lamulo lachindunji la maunansi a maindasitale (lomwe limakhala pansi pa Fair Work Act), limakhazikitsa kutsimikizira kwa mlingo wa ntchito (SG) ndi maulamuliro ogwirizana. Chiŵerengero cha SG pakali pano chimaima pa 11.5% (pafupifupi 2024) ndipo chaikidwa kuti chiwonjezeke kufika pa 12% pa July 2025. Maperesenti alionse a SMES, amawonjezera pafupifupi 0.75%% ya ndalama zonse za ntchito. Ndalamayo imapatsanso Supannuation Revicement Act (Admistnation) Act, imene imalamula zilango kwa olemba ntchito zimene zimalephera kupereka SG pa nthaŵi yake. Bungwe la bungwe lingakhale lolemetsa kwa olemba ntchito aang'ono, makamaka ndi olipira ndalama zoŵerengedwa. Kuitana kwa SG ndi kulipira (kuyang'kamalikulu) kuwonjezera kwa nyengo yamalikulu kwa .

Zitokoso ndi Kusuliza

Mashelefu ndi ochirikiza awo apeza mavuto angapo osatha ochititsidwa ndi malamulo a Ndalama.

Kucholoŵana ndi Mtolo Wolemetsa

Ngakhale kuti pali zoyesayesa zambiri, ma komiti a Kayendedwe ka msonkho ndi audindo adakali ovuta. “Malamulo a ntchito ya makampani a ntchito ya kayendetsedwe ka zinthu ” akusimba kuti ma SME ambiri amatherabe maola 40 pachaka pantchito zotsatiridwa. Treasurer’s Komiti ya Business Yomaliza imavomereza kuti kuwonjezeka kwa kusintha kwa makampani osiyanasiyana kungaperekebe mtengo wokwera pa mabizinesi ang'onoang’onoang'ono. Kugwirizana pakati pa boma, boma, ndi malamulo akuwonjezera nkhani imeneyi, ngakhale kuti malamulo a zachuma akuyambukira kwenikweni chikalata cha boma.

Ziyambukiro za Maboma ndi Nthungo Zachuma

Chifukwa chakuti malamulo a Treasury fiscal kaŵirikaŵiri amatsutsana ndi malamulo otetezera zinthu ndi ziwongolero . Kufalikira kwa nthaŵi ya kubwereranso kwa zinthu ndi kutengerana kwa zinthu kumayang'anizana ndi kusatsimikizira za nthaŵi imene chithandizo chidzachotsedwa. Kuphatikiza kwa Job Speeter ndi loni kutsimikizira mapangano a ntchito mu 2021 - 222 kudalitsa makampani ena popanda khomo la chitetezo monga kukwera kwa mtengo ndi ziwongolero. Kompaniyo yakhala ndi ntchito ya “SMElience symagellam [1] imene ikufuna kupereka njira zodalirika zothandizira, koma otsutsa amatsutsa kuti sichirikizidwa bwino. Subsiteatic Komiti yofunsa za za za Subservetion ku SME inagogomezera kufunika kwa kulankhulana kwabwino ndi nthaŵi zotsogolera kaamba ka masinthidwe.

Kulephera Kuŵerenga Bwino

Mabungwe a kampani amadzi akutsutsa kaŵirikaŵiri kuti kukambitsirana kwa Treasury kumalamulidwa ndi mabanki aakulu, otsatsa malonda a makampani, ndi makampani a mautumiki aukatswiri, kusiya mawu a mabizinesi aang'ono, abanja oikidwa pansi. Treasury imachititsa “Magulu Aang'ono Amalonda a Super Advisory [1] ndi mapepala ozungulira, koma eni makampani ambiri amanena kuti dziko lenileni la makampani ameneŵa nlopereŵera. [FLT: 0] Sayansi Small ndi Banja Unimprise Ombreman [1] Yafalitsa ziŵerengero za malipoti oyamikira pangano, kuphatikizapo chinenero chosavuta m'mapepala ndi ziŵindi za pa Intaneti kaamba ka SME.

Mipata Yopezera Malamulo Ochirikiza Ndalama za Amalonda Ogwirizana ndi Opereka Ufulu

M’malo mongovomereza kusintha kwa malamulo, SMEs zingadziimire mokangalika kuti zipindule ndi zisonkhezero za Ndalama ndi kupeŵa mbuna zofala.

Kulimbikitsa Msonkho

Makampani aang'ono ayenera kupenda nthaŵi zonse kuthekera kwa chuma cha mwamsanga cholemba, makonzedwe okwanira a kanthaŵi (ngati adakali oyenerera), ndi kagulu ka CGT Kololera kwa bizinesi. Kugwira ntchito ndi phungu woyeneretsedwa yemwe amasunga ndalama zokonza ndalama (monga ngati masinthidwe 2024 a kuyambika kwa kupangidwa ndi (R&D) kulephera kusungidwa kwa SMEs . Treasureat’s Masheya a Msonkhetso a Malonda Osatsa malonda amakono. tsamba] limapereka mfundo yothandiza kuyamba ndi kulinganiza.

Kufikira Opereka ndi Ochirikiza a Boma

Pambuyo pa malamulo a Treasurement , boma limayendetsa maprogramu ambiri opereka zoperekedwa ndi madipatimenti osiyanasiyana, koma ambiri amagwirizanitsidwa ndi zofunika za Ndalama. Programme ya Entrepreneur (tsopano Business Growth ndi Resilience Program), Prom Market Development Grants (EMDG), ndi njira za magetsi zoperekera zoperekedwa pansi pa Busines Cabibility Program ndi zitsanzo. SMES ayenera kuyang'anira ma StockProgict ndi ALCP . Kulola kuti akonzere kukambirana kwa Ndalama kungachenjezenso mabizinesi amene akubwerawo kuti apereke masinthidwe amene angayambukire chivole.

Kuloŵa M’gulu la Kuzembetsa

Konsati imalandira kugonjera kwa anthu pa masinthidwe aakulu kwambiri mwa kuyang'anira kwake. Ma SME ndi mayanjano awo angasonkhezere mwachindunji kapangidwe ka ka kachitidwe ka zinthu mwa kupereka umboni wa katundu wotsatira, kupereka zoloŵa mmalo zosavuta, kapena kutchula zotsatira zosayembekezereka. COSBOA ndi ASBFEO amapereka masinthidwe ndi malangizo othandizira kupanga kugonjera kogwira mtima. Kuyamba kukambirana kwanthaŵi zambiri malamulo asanayambitse zigamulo za kapangidwe ka zinthu zimene zili zothandiza kwambiri makampani aang'ono.

Kuona Zinthu Mtsogolo ndi Zitsogozo za Kachitidwe

Bungwe la Australia la Australia likufufuza zosintha zingapo zimene zidzasintha malo a SME pa zaka zisanu zotsatira. Treaxis Concession Review (Pase 2) njothekera kutsendereza kulephera kuchepetsa kuchepetsa msonkho kwina pamene likufutukula ena, monga ngati kabokosi kololeka ka wotchi ya zinthu zachikazi yopanga SMEs. Kutsegulira kwa njira imodzi yomangira malonda (nthaŵi ino kuyendetsa) kungachepetse mtengo wa kutsata malamulo a m'm'm'mphepete mwa pulogamu. Fiscal Sustativability Report 2024 imagogomezera kufunika kwa kuiwala kwa nyumba, kumene kungachepetse kudula msonkho kaamba ka SME koma kungachepetsedwe ndi kugwiritsa ntchito ndalama zambiri.

Kusintha kwa manambala kumakhalabe chinthu chofunika kwambiri. Treasurer ikugwirira ntchito ndi ATO pa “makonzedwe a misonkho ya zachuma ya GST ya makampani a stegture ndi kuchepetsa mtolo wotsatizana ndi malonda a mtanda wa m'mzera. Kuwonjezera apo, boma lapereka chizindikiro cha cholinga chopenda malonda aang'ono mu Sunccy, kuyambitsa njira yothandiza kukonzanso zinthu zimene zimapeŵa mtengo ndi kutayikiridwa. Mapepala a KAMBID [FLT: 0] A projectives Reformations Auncial apereka chidziŵitso ku zochitika zimenezi.

Kumaliza

Malamulo a zachuma a Australia ali ndi chisonkhezero champhamvu pa thanzi ndi kuyendetsa malonda aang'ono ndi apamwamba. Kuyambira pamapeto pake a phindu la pambuyo pa msonkho kukhoza kusungitsa loni, kuyambira maola owonongedwera pa mapepala kufikira kutsimikizirika kwa kayendedwe ka chuma . Ma SME ali ogwirizana kwambiri ndi zosankha zopangidwa ku Treasurer. Kumvetsetsa kothandiza kwa mmene malamulo ameneŵa amagwira ntchito, kumene akupita, ndi mmene angagwirizanitsire nawo siko kudzisankhira; ndiko kupikisana kwakukulu kwa mtsogoleri wa bizinesi aliyense kapena woyendetsa ntchito.

Ntchito ya Khate ya Kayendedwe ka zinthu ndiyo kupanga malamulo olinganiza kukula, kukhazikika, ndi kuyenera. Kwa SMEs, mfungulo yake ndiyo kukhalabe wodziŵa, kutengamo mbali m'nkhani za malamulo, ndi kusintha njira za bizinesi kuti zigwirizane ndi zenizeni. Mwa chidziŵitso ndi chichirikizo cholondola, ma SMEs a Australian SME angayendetse njira yovuta imeneyi ndi kupitiriza kukhala injini ya kukonza zinthu ndi ntchito zimene amadziŵika kuti ndizo.