Izigqibo zeBhabi leMali yase-Australia zibumba ngqo imeko-bume yemali kunye nomthetho apho amashishini amancinane (amaSME) asebenza khona. Ukusuka kwirhafu kunye nenkxaso-mali yokufikelela kuzinzo lwezoqoqosho kunye namaxabiso okuthobela, le nkqubo iphembelela yonke into ukusuka kuhambo lwemali lwemini ukuya kuhambo lwexesha elide. Ukuqonda ukufikelela nokuguquguquka kwemithetho yemali ye-Moongo kubalulekile kubaphathi be-SME, abalawuli benkqubo, kunye nabenzi bemithetho-nkqubo, njengoko inceda ucwangciso olungcono, ulawulo lomngcipheko, kunye nolawulo lwe-dvoccazacy. Eli nqaku linika uhlalutyo olubanzi lwemeko lwelizwe langoku, ulwando olukhoyo, kunye nezicwangciso ezilindelekileyo kwimigaqo-ovectortivencesssss echaphazela i-Ostrees Australian.

Indima Yoveliswano - mali LwaseOstreliya Kumgaqo-nkqubo Wokuxinana

I-Australian Treasurer ingumphathi-mikhosi oyintloko okhuthaza uqoqosho kurhulumente, ojongene nokuphuhlisa nokusebenzisa inkqubo yezoqoqosho, ulawulo, kunye notshintsho lwezoqoqosho. Izigqibo zayo zichaphazela izicwangciso ngomthetho werhafu, iinkqubo zokubolekisa ngemvume, amanyathelo okulawula, kunye nozinzo lwemali olubanzi oluxhasa ishishini. I-Othermenti isebenza ngokusondeleyo ne-Ostreliya i-Oficity Office (ATO), i-Sise-Sise-Sise-Sise-Sisini ne-Prosase-Phondo (ASIC), namanye amasebe okuguqulela inkqubo yemithetho esebenzayo yezoshishino.

Ukuhambelana Nezoqoqosho Nokumanyana

Yimeko ezinzileyo yezoqoqosho eqinisekileyo ."Imeko eqinisekileyo yezoqoqosho ) exeliweyo, ukuphelelwa yimisebenzi, kunye nenzala ephantsi kwezinga eliphantsi (indima yeSME engundoqo kwimpumelelo. Indima yeNkcitho ekulawuleni inkqubo ye-fiscal (imali nerhafu) kunye nokusebenzisana neReserve Bank yase-Australia (RBA) kwinkqubo yemali idala iimeko apho i-SMEs iqesha khona, ityala, ingeniso, kunye nokungahoxisi. Xa izigqibo zemali zikhokelela ekunciphekeni okuphezulu okanye kwiinguqu ezingalindelekanga zerhafuzo, ukungaqiniseki kwemali eninzi yamashishini amancinane.

I-Eviers

Iverhe isebenzisa ii-arhente ezintathu ezingundoqo ezichaphazela i-SMEs: irhafu, ukusetyenziswa kwemali karhulumente (kuquka izibonelelo ezithe ngqo kunye nemali ebolekiweyo), kunye nomgaqo-siseko. Izixhobo nganye ingasetyenziswa ukuvuselela okanye ukunyanzela umsebenzi weshishini. Umzekelo, ngexesha lokuwohloka kwezoqoqosho, i-Cetation ingazisa isiqabu serhafu sokwexeshana okanye inkxaso-mali yokugcina i-SMEs i-ater. Ngexesha lokukhula, ukudityaniswa kwemali kungaqina kwiimeko ezikhoyo. Ukusebenza kwezi zixhathiso kuxhomekeke kwindlela ezithenjiswe ngayo kwingeniso yemali ekhethekileyo kunye nokusetyenziswa kwe-SMES.

Amagosa Aphambili Erhafu Achaphazela Iintlobano

Ukuhlawulwa kwerhafu yeyona nkqubo ibonakalayo nekhawulezileyo echaphazela iSMEs. Kwiminyaka yakutshanje, uthotho lweziNguqulo luye lwanciphisa umthwalo werhafu kumashishini amancinane ngoxa lusanda ukuntsonkotha kwezinye iindawo.

Irhafu yeshishini encinane

Urhulumente ucuthe umlinganiselo werhafu yeshishini elincinane (amashishini anezikhundla ezithe saa phantsi kwe-AUD 50 ezigidi) ukusuka kuma-7,5% ukuya kuma-25% njengonyaka wengeniso wama-2021. Oku kuncitshiswa kubeka ingeniso egciniweyo ezandleni zabaphathi beshishini, kuxhasa ukubuyiselwa kolwandiso nolwandiso. Ngaphezu koko, umlinganiselo osezantsi werhafu yemali yexabiso elisisiseko (25%) unika uncedo olubalulekileyo oluthe kratya kwinkampani ezinkulu ezihlawula 30%. I-okanye inkcaza ye-Rota yeshishini elincinci. I-AUD isebenzisa ingcaciso ekhoyo phantsi kwe-AUD 10 lezigidi) ukufikelela kwimiqatha yemiqatha yomthetho evumelaniso, kuquka imithetho yerhafu elungiselelwe lula kunye nengeniso yemali yeshishini elincinane (CTG)

Kubathengisi kunye namaqabane kuphela, imiqathango ehlayo yerhafu esetyenziswayo njengerhafu encinane (ngoku ehla ukuya kwi-8% njengeye-2023-24) inceda ekunciphiseni irhafu esebenzayo, nangona ukucutha kwayo okuqhubekayo kubonisa ukudityaniswa kwemali eqhubekayo. Iveliswa rhoqo kwezi zihlalo kunye namaqondo njengenxalenye yomjikelo woqingqo-mali.

Imithwalo enzima neyombutho

I-Falls and Services Traxies (GST) imisela umthwalo obalulekileyo wokuthobela i-SMEs, ingakumbi ezo zifuna ukugcinwa kweengxelo zomsebenzi. I-Otherine iphumeze uluhlu lwemiqathango . ukuquka ukhetho lokunika ingxelo nge-GST ngesiseko semali, ukubuya konyaka wamashishini afanelekileyo, kwaye iindlela zokunika ingxelo zorhwebo nokulungisa ukutya kunye nokumema iindwendwe. Noko ke, ugcino-lwazi lwakutshanje lwe-ATO lubonisa ukuba iindleko ze-GST zingathatha ukuya kwi-2% yokujika kwemibutho emincinane kakhulu, lwenze i-SST i-simplluetacie i-etask eqhubekayo yabameli be-SMEccoractive njengeBhunga elincinci leBhunga (COSBOA).

Imisebenzi ecwangcisiweyo yokubhala kwangoko kunye neKomkhulu

Elinye lamanyathelo athandwayo kakhulu eTreeter yi-after-off (ngoku yeyexeshana kodwa eyandisiweyo rhoqo). Ngaphantsi kwemithetho yangoku (2023-24), amashishini amancinane anokujika okungamiselwanga phantsi kwe-AUD 10 lezigidi angathi ngephanyazo asuse iimpahla ezifanelekileyo ezixabisa ngaphantsi kwe-AUD 200,000 (umqobo wanyuswa okwexeshana kwi-AUD 150 000 ngexesha le-CHOVID, ubugcisa, kunye nezithuthi ngaphandle kokulinda ummiselo weminyaka emininzi. I-oventi isebenzisa ukubhala-okanye njengesibambiso sokukhuthaza ushishino lwezoqoqosho ngamaxesha athile oqoqosho, kodwa ucwangciso lwayo lwexeshanalo lwendalo lwendalo lwenze ucetle ukungaqiniseki.

Ukufumana Imali Netyala

INgxowa-mali yeNkcubeko yemali iphembelela iSME ngokuqinisekisa ngokungqalileyo ngamalungiselelo, ulawulo lomgaqo-nkqubo wokubolekisa, nemigaqo ekhuthaza ezinye iimarike zemali.

Udweliso lwempahla esemva karhulumente

Ngexesha lesifo se-COVOID-19, iTreasure yeSME Medict Scheme kwaye kamva iSME Recovery Loan Scheme, phantsi kwayo urhulumente waxhasa ukuya kuma-80% emali-mboleko ekhutshwe ngababoleki abathabatha inxaxheba. La malungiselelo akhulula amawaka ezigidi zeerandi kwikomkhulu lokusebenza kumashishini awayezabalaza ukufumana imali etyala. I-Boond iyaqhubeka isebenza imigaqo-mali eqinisekisiweyo kwicandelo elithile (umz., i-Auto Motivetivement Transformation System, nangona iphelile) kunye namashishini obulali nge-Ivocinetic Business Australia. Ukusebenza okuqhubekayo kwezi zicwangciso zokufumana imali ehlawulwayo kuxhomekeke kulwabiwo lwemali kunye neemeko zoqoqo.

Enye Imali Nemithetho Ekhuthaza Isihlwele

Iverhe ilungise umgaqo-nkqubo wenkxaso-mali elungiselelwe isihlwele (CSF) kunye nokubolekisa ngoontanga, kukwenza kube lula nge-SMEs ukunyusa ityala elilinganayo kunye netyala ngaphandle kwebhanki yesithethe. Phantsi koMbutho woLawulo oluPhezulu (INgxongo-mali ePhakamileyo) Umthendeleko woMthetho wonyaka 2017, iinkampani ezifanelekileyo zinganyusa ii-AUD 5 ezigidi ngonyaka zidlula kwi-CSF interdiaryries. I-ofector ikwahlisa iimfuno zokuthobela iminikelo emincinci, ukuhlawula okungahlawulwa ngenkongozekomkhulu. Isiphumo sibe ngumjelo otho otho othozamileyo kodwa okhulayo weSMEs oswele intengo yokusebenza okanye ukurhweba ngeemali ezibolenti.

Ukubhankisa Nembopheleleko Ephambili

Iveksi, kwikonsathi ekwiASIC kunye neGunya le-Australia i-Purdilence Regatence Authority (APRA), iye yachaza kwakhona imithetho ebolekisa ngetyala kwiminyaka yakutshanje ukunciphisa umthwalo ophantsi kwabo babolekileyo ngeli lixa begcina ukhuseleko lwabathengi. Emva kohlolo lwe-2020-21 lweSinters Consumer Consumer Protection Protection Act, ababolekisi betyala kakhulu ekuhloleni iimali ezincinci zeshishini, eziye zaphucula ukufumaneka kwemali ebolekisiweyo yamaSME. Ngoko ke, impikiswano eqhubekayo engondleko encinane yoshishino kunye nempilo yemali yemali yemali ye-RCM, iyaqhubeka ikhomba elungele ukuqulungela inkqubo yogcino-mali.

Imeko-bume yolawulo kunye nombutho

Ngaphandle kwerhafu nemali, iinkqubo zeNkcitho yeNkcitho yeNkcubeko zidala iMithetho yeSicwangciso soLawulo kufuneka zihambele phambili yonke imihla. Ukwenziwa kwemiqathango ebomvu nokuncitshiswa kweteyipu ebomvu bekusoloko kuyinto ephambili, kodwa inkqubela ayilungelelani.

Ukubhalisa nokunika ingxelo

Inkqubo yeBhunga ivule amanyathelo afana ne-Modersing Business Registers (MBR), enenjongo yokudibanisa ubhaliso oluphinda-phindiweyo (ABN, ASIC, irhafu) kwinkqubo enye ehambayo. Inkqubo yeBhizinis Simplinity kunye ne-Toming ifuna ukunciphisa inani lamashishini amancinane anokunikezela ulwazi olunye kumaqumrhu ahlukeneyo. Ngelixesha le migudu iye yathotywa yimingeni enzima yobugcisa, isalathiso sicacile: iifomu ezimbalwa, ii-mastial, kunye nolwahlulo oluninzi logcino-lwazi lwe-data olukhawulezileyo. Ishishini elincinci ne-Entemprise Oust OFM) zincoma ezi zinto kodwa amanqaku okufuneka ukuhambisa uncedo lokwenene.

Impembelelo yolwalamano lwezemizi - mveliso kunye nokuLawula

Ngeli xesha iMoney SG ithe yamisela ngokuthe ngqo umthetho wezentlalo-ntle (owenziwe phantsi koMthetho Womsebenzi Wohlobo), imisela isiqinisekiso sonyuko lwepesenti (SG) kunye nolawulo olunxulumeneyo. Umlinganiselo we-SG ngoku ukwi 11.5% (njengowama-2024) kwaye umiselwe ukuba wande ukuya kwi12% ngoJulayi 2025. Incopho nganye yepesenti yokwandisa malunga no-0.75%% kwixabiso lomsebenzi. Umba we-SG ukwabela i-Supanentiumni iSiqinisekiso sobuKhomimiselo (njengo-Administminiation) somthetho obeka izigwebo kubaqesho kubaqeshi abangakwazi ukuhlawula iSG ngexesha elingephiweyo. Umkhosi wamalungu owenziweyo ukwandisa ipesenti encinane, ingakumbi abo bahlawulwa ngemijinga yemijinga.

Ucelomngeni Nokugxekwa

Akukho mgaqo-nkqubo ugqibeleleyo. IMiqolo kunye nabaxhasi bayo bachonge iingxaki eziliqela ezizingisileyo ezivela kwiinkqubo zeMali.

Ukuntsonkotha Nomthwalo Wolawulo

Phezu kwayo nje imigudu yokwandisa, iinkqubo zerhafu kunye nolawulo zihlala zintsonkothile. “Umthetho womsebenzi wolawulo wesakhelo” uchaza ukuba ii-SME ezininzi zisachitha iiyure ezingaphezulu kwama-40 ngonyaka kwimisebenzi egunyaziswayo. I-Treasure yeBhunga le-Business iyakuvuma ukuba iziphumo ezithe kratya zotshintsho lwamaqumrhu ahlukeneyo zisenokubeka iindleko eziphezulu kwishishini elincinane. Ingxoxo phakathi korhulumente, urhulumente, urhulumente, nemimiselo yasekuhlaleni iyawudibanisa lo mba, nangona imigaqo yeBhotele ichaphazela kakhulu umaleko worhulumente.

Impembelelo Yamashishini Nezithuthuthu Zezoqoqosho

Ngenxa yokuba inkqubo yeTreasure fiscal isoloko iphikisana nenkcitho-yokhuseleko-------ukunwenwa ngexesha lokurhoxa kwemali kunye noxhulumano ngexesha lokufumana inkxaso---------SMEs kujongene nokungaqiniseki malunga nokuba nini apho inkxaso iza kususwa. Ukudityaniswa ngokukhawuleza komsebenzi ozigcina nokubolekisa ngemali kuqinisekisa ucwangciso lokuqinisekisa amashishini athile ngaphandle kokhuseleko njengomnatha wokunyuka kwexabiso nenzala. I-oventi yemali ivelise imfuno ye- “SME Resiliefive com" ezimisele ukunikezela ngezizathu ezithe ngqo zenkxaso, kodwa abagxeki abaxhasi baphikisa ukuba ixhaswe ngokungengeneyo. [[FLT:] Uphendlo lwe-Economgamesting kwi-SCYPrificity [FLD [FF1]] ibalation [F1]

Ubalo

Imibutho esetyenziswayo isoloko iphikisa ngelithi uhlolo lweTreasurel lulawulwa ziibhanki ezinkulu, abaxhasi beenkampani, kunye neefektha zeenkonzo zobugcisa, zishiya ilizwi lamashishini amancinci, azimeleyo entsapho angaphantsi kwawanikwayo. I-Otherine iqhuba rhoqo “Iiqela Elincinci Leshishini Leshishini Leenjongo” kunye neerejistal, kodwa abanini-mali bathi iziphumo zehlabathi zokwenene zezi ngxaki zilinganiselwe. [FLT: 0] i-Australian Smast neNterprise Ombriseman [ ipapashe inani leengxelo ezincomela ukuganana, kuquka ulwimi olulula kwinkqubo ye-Smetalog kunye nezixhobo ezingcono ze-Intermorence.

Amathuba Okuzibiza Ngenkqubo

Kunokuba ithabathel ’ ingqalelo nje kwiinguqulelo zenkqubo, iSME inokuzimisela ngokuzibhokoxayo ukuze ingenelwe kwiinjongo zeNkcubeko yemali ize iphephe imigibe eqhelekileyo.

Abacel ’ Irhafu Abayicengayo

Amashishini amancinane kufuneka asoloko ehlola ukufaneleka kwempahla ebhaliweyo-okanye (R&D) ulungiselelo lokwexeshana olupheleleyo lokukhulula (ukuba kusayimfuneko), kunye ne-CGT Uvumelwano oluncinci lweshishini. Ukusebenza nomcebisi werhafu ofanelekileyo ohlala ngoku kwintengiselwano yeTreasurements (njengotshintsho lwama-2024 kuphuhliso (R&D) lwentengiso yerhafu ye-SMEs /ans/acan inika ugcino olubalulekileyo. I- Interstaxist Inters iphepha]

Inkxaso neNgxelo kaRhulumente efikelelayo

Ngaphezu komgaqo-nkqubo woMsebenzi wezimali ophangaleleyo, urhulumente wenza iinkqubo ezininzi zokunika ezilawulwa ngamasebe ahlukeneyo, kodwa ezininzi zidityaniswe nezohlazo lwemali oluza kuqala. Inkqubo ye-Entrepreneurs (ngoku i-Business Growing ne-Resilience Program), i-Transport Market Development Grants (EMDG), kwaye izisombululo zamanani zinika izicombululo phantsi kwe-Busicalicabhability Program zimizekelo. I-SMES kufuneka zijonge i-Projunity ne-ULS i-UNGQOP] rhoqo. Ukubophela kohlaziso

Ukubandakanyeka Kwinkqubo Esemthethweni

Iveksi yamkela ukuthotyelwa kukawonke-wonke kwezona nguqulelo zibalulekileyo zenkqubo ngesazulu sokucebisana kwayo. Ii-SME kunye nonxulumano lwazo zingaphembelela ngqo inkqubo yokuyila inkqubo ngokunikezela ubungqina bemithwalo enyanzelisayo, ukucebisa ezinye iindlela ezilula, okanye ukuveza iziphumo ezingacwangciswanga. I-COSBOA ne-ASBFEO zinika isikhokelo kunye nokhokelo lokwenza ukuzithoba okunempumelelo. Ukuqalisa kwinkqubo yokucebisana. Ngokufuthi rhoqo iinyanga phambi kokuba umthetho ungeniswe iziphumo zoncedo eziluncedo kakhulu kwiifemu ezincinane.

I-oklook Yexesha Elizayo Nolwalathiso Lomgaqo-nkqubo

I-Australian Treasurey ihlola utshintsho oluninzi oluza kuphinda lufumane iSME ummandla welizwe kwiminyaka emihlanu ezayo. I-Tax Concession Review (Pase 2) isenokungaqini intlawulo yokwaphuka okuthile kwerhafu ngexa inyusa ezinye, njengomthetho webhokisi yemvumelwano yebhaso yebhanki yebhanki ekhoyo. Ukunikezelwa kwendlela yokulungisa i-SME kuhlobo olunye (ngoku kuqhutywa) kunganciphisa iindleko ezinqamlezileyo. Ingxelo ye-Fiscal Constativationiveiveiveive Ingxelo 2024 ibalase ifuna ukubeka imfuno yenkcitho yezantlawulo zesakhiwo, enokuthi ibeke umda kwixesha elizayo werhafuthelo ye-SME kodwa ingenziwa nokwenziwa umva ngokusetyenziswa kwemali eninzi.

Utshintsho lwamanani lusasoloko lubalulekile. UTshengo lusebenza ne-ATO “kwinkqubo yerhafu edityanisiweyo” enokuqokelela intlawulo yerhafu ye-GST kumashishini eqonga amanani kwaye inciphise umthwalo othobelayo kwi-SMEs kunye nentengiso yemida enqamlezileyo. Ukongeza, urhulumente uye wabonakalisa injongo yokuhlola ishishini elincinane kurhulumente wentengiso, ekwaziyo ukuvelisa inkqubo elula yokulungisa intengiso ephepha ixabiso kunye nehlazo lokuwa. 2020] Kwi-Fility Reformationssssss Acrificiation [ amaphepha anika ukuqonda kwezi ziphumo.

Isiphelo

Iinkqubo zeTreasury ze-Australia zinempembelelo enamandla kwimpilo kunye nobuchule bamashishini amancinane naphakathi. Ukusuka kumazantsi engeniso emva kwerhafu ukuya kubuchule bokuboleka imali ebolekiweyo, ukususela kwiiyure ezichithwayo kumaphepha ukuya kutsho kungqinwa komjikelo wezoqoqosho--------------SMEs zinxulumene ngokunzulu nezigqibo ezenziwe kuTshelwano. Ukuqonda okunentsingiselo yendlela ezi migaqo-nkqubo esebenza ngayo, apho zisiya khona, nendlela yokusebenza nazo akuyo into ezenzekelayo; kukhuphikiswana na umphathi weshishini okanye umxhasi.

Indima yeNkcitho yeNkcitho kukuyila iinkqubo ezilungelelanisa ulwando, uzinzo, nokulingana. I-SMEs, isikhokelo kukuhlala unolwazi, ukuthatha inxaxheba kwinkqubo, nokulungisa iindlela zoshishino zokuvumelana nezinto ezikhoyo. Ngolwazi olufanelekileyo nenkxaso, ii-SMEs ze-Australian zingasebenzisa le nkqubo intsonkothileyo ziqhubeke ziyinjini yokuphuhlisa nokusebenza eyaziwa njengeyo.