Izinqumo ze-Ossocial Treasurer zihlela ngokuqondile isimo sezimali nezimiso lapho kusebenza khona amabhizinisi amancane (SME). Ukusuka ekutholeni intela nasekutholeni izindleko zemali ezizinzile zezomnotho, lezi zinqubo zithonya yonke into kusukela kusuku lwenyanga kuya kuleyo nqubo yokukhula kwesikhathi eside. Ukuqonda ukufinyelela nokuguquguquka kwemithetho yezimali kubalulekile kubaphathi be-SME, abanikazi be-adviser, nabenzi bemithetho, njengoba yenza ukuhlelwa okungcono, ukulawulwa kwengozi, kanye nokulawulwa kwemali. Lesi sihloko sinikeza ukuhlaziywa okubanzi kwezindawo zamanje, izinguquko, futhi silindele izinqubo ze-Calporalstions ezithinta ama-SME.

Indima Yezimali Zase - Australia Ekumisweni Kwe - SME

I-Australian Treasurer iyindikimba eyinhloko ehlohla uhulumeni ngokomnotho, enomthwalo wemfanelo wokuthuthukisa nokusebenzisa isimiso sokuhlela imali, ukuphatha nokulungisa indlela yokusebenzisa imali. Izinqumo zayo zithinta izintambo ngomthetho wentela, amasu okuboleka imali, izinyathelo zokuhlela ukuhlelwa kwemithetho, nokuzinziswa kwezomnotho okubanzi okusekela ukuqiniseka kwezebhizinisi. I-Othermation isebenza eduze ne-Australian Teaxication (ATO), i-Saceturance and Restions Relicementations Commissions (ASIC), nezinye izinhlangano zokuguqula umthetho wezentengiselwano ebhizinisini.

Ukuhleleka Kwezomnotho Nokungaguquguquki

Indawo eqinile yezomnotho − ukuntengantenga okungabikezelwa, ukuswelakala kwemisebenzi, nenzalo elinganiselwe, kubaluleke kakhulu ekuphumeleleni kwe-SME. Indima yeNdawo yezokulawula isimiso se-fiscal (imali kahulumeni nentela) kanye nokubambisana neReserve Bank yase-Australia (RBA) enqunyweni yemali idala izimo ezithengwa ama-SMEs, ukutshala izimali, ukutshala, nokungatholi nzuzo. Uma izinqumo zemali ziholela ekuncipheni okukhulu noma ekushintsheni kwentela okungalindelekile, ukungaqiniseki okunga umphumela kunganciphisa ukutshala nokukhuphuzisa izimali emabhizinisini amancane.

Abahlanzi Bemithetho Yemali

Ivery isebenzisa amasuntswana amathathu ayinhloko athinta i-SMEs: intela, imali esetshenziswa nguhulumeni (kuhlanganise iziphakamiso eziqondile nemali ebolekwayo) nemithetho. Ithuluzi ngalinye lingasetshenziswa ukuvuselela noma ukunqanda umsebenzi webhizinisi. Ngokwesibonelo, phakathi nokuwohloka kwezomnotho, i-Cetary ingasungula usizo lwentela yesikhashana noma ukukhushulelwa kwemali ukuze kugcine i-SMEs ingena amanzi. Phakathi nezikhathi zokukhula, ukuqinisa i-fligings kungaqina izimo. Ukusebenza kwalemicukuselo kungaxhomeke ekutheni inzuzo ekhethekile yemali ehambayo kanye nesilinganiso se-SMES.

Amaphoyisa Ayinhloko Entela Athinta Iziqu

Eminyakeni yamuva nje, izinguquko eziningi ziye zanciphisa umthwalo wentela emabhizinisini amancane kuyilapho ukwanda kokuyinkimbinkimbi kwezinye izindawo.

Intela Yebhizinisi Elincane Iyanqunywa Futhi Iphathwe

Uhulumeni uye wanciphisa intela yenkampani yamabhizinisi amancane (amabhizinisi anezinga elihlukene ngaphansi kwe AUD ayizigidi ezingu-50) kusukela ku- 27.5% kuya ku-25% njengonyaka weholo ka-2021 kuya ku-252. Lokhu kunciphiswa kubeka inzuzo esele ezandleni zabaphathi bebhizinisi, kusekela ukubuyiselwa nokunwetshwa kwemithetho eminingana, kuhlanganise nemithetho yezezimali yezemali ephansi yezemali eyisisekelo (25%) inikeza inzuzo enkulu yokuncintisana kwezinhlangano ezinkulu ezikhokhela i 30%. I-Otherine isebenzisa incazelo ye “inkampani encane yezebhizinisi” (i-arhenterveze ngaphansi kwe-AUD 10 miliyoni) ukuze ikwazi ukukhokha izimali eziningi, kuhlanganise nenzuzo yezentengo yezentengo (CT) encane).

Kubathengisi nababambiswano kuphela, intengo yentela enjengehhotela lentela encane yebhizinisi (manje encishiswe ku - 8% kusuka ku - 2023 kuya ku - 24) isiza ekunciphiseni amazinga entela aphumelelayo, nakuba ukwehla kwayo okuqhubekayo kubonisa ukuqina kwemali okuqhubekayo. I - Treasury ihlola njalo lezizikhawu kanye nezinga njengengxenye yomjikelezo wemali.

IMITHOMBO ENKULU Nenamagunya

I-Falls and Services Truth (GST) ibeka umthwalo obalulekile wokuthobela i-SMEs, ikakhulukazi leyo edinga ukugcinwa kwezitatimende zemisebenzi ngokwengxenye eyodwa. I-Otherinement iye yasebenzisa izivumelwano eziningi kakhulu .Kuhlanganise nokukhetha ukubika i-GST ngesisekelo semali, ukubuya kwaminyaka yonke kwe-GST ngenxa yamabhizinisi afanelekayo, futhi yenza izindlela zokukhokha imali zibe lula zokuthengisa ukudla kanye nokungenisa izimemezelo. Nokho, ukwaziswa kwamuva kwe-ATO kubonisa ukuthi izindleko ze-GST zingadla i-2% yokujika ukuze imboni encane kakhulu, yenza i-SME landise i-svocieeting ephambili eqhubekayo yamanxusa e-SME enjenge-Councial OMS (COSBOA).

I-Aspect-Off nenhloko- dolobha imvume

Enye yezinyathelo ezithandwa kakhulu zeTreasure i-off-off (manje eyaziwa kakhulu kodwa enwetshiwe). Ngaphansi kwemithetho yamanje (2023-24), amabhizinisi amancane anezimo ezihlukene ngaphansi kwe AUD angazisusa ngokushesha izinto ezifanele ezibiza imali engaphansi kwe-AUD 20 000 (umnyango wakhushulelwa ku-AUD 150 000 phakathi ne-CHOVAD-19). Lenqubo isiza i-SMES ukutshala imishini, ezobuchwepheshe, kanye nezimoto ngaphandle kokulinda izinhlelo zeminyaka eminingi. I-fekitha isebenzisa ukubhala-afticketle nge-octivesssssssssssssssss (injini ebangela ukutshala ibhizinisi ngezikhathi ezithile zezomnotho, kodwa indalo yayo yesikhashana yenza ukungaqiniseki.

Ukuthola Imali Nemali

I - Treasury ithonya i - SME ngokwezimali ngezinhlelo eziqinisekisa ngokuqondile, ukuqondisa ngokuqondisa imikhuba yokuboleka, nezimiso ezikhuthaza ezinye izimakethe ezixhasa imali.

Izindlela Zokuthatha Impahla Ezingasetshenziswa Uhulumeni

Phakathi nobhadane lwe-COVOVAD-19, i-Mooral yasungula i-SME Memonict Scheme futhi kamuva i-SME Recovery Loan Scheme, ngaphansi kwayo uhulumeni wasekela amaphesenti angu-80 emali emali ebolekwayo eyakhishwa ababoleki abahlanganyela kuyo. Lamacebo adedela izinkulungwane zezigidi zamadola ezisebenzini ezisebenzela amabhizinisi ayezaza azama ukuthola imali ebhanana. I-Mooral iyaqhubeka isebenzisa izinhlelo zokuqinisekisa izingxenye ezithile zemali (umz., i-Autotimotive Transformation Schemist Scheme, nakuba iphelile) kanye namabhizinisi abomdabu base-Ivorienters Australia. Ikhono eliqhubekayo lalezi zinqubo zincikelwe ekutholeni imali eziza kuqala ezimalini ezimalini ezikhona nangezimo zezomnotho.

Imithetho Ehlukile Yezimali Nemiyalo Ekhuthaza Izixuku

Inkampani ilungise uhlelo lokulawula lwe-compacts-faced commerce (CSF) kanye nokubolekisa ngontanga, okwenza kube lula nge-SME ukuphakamisa i-console kanye nesikweleti ngaphandle kwebhanki elingokwesiko. Ngaphansi kwe-Corporations Isiqhubeki soMnyango we-Hulumende) Act 2017, inkampani ezizimele ezifanelekele manje zinganyusela izigidi ezinhlanu ze-AUD kudlula ku-CSF internadiary. I-fekimenti futhi inciphisa izimfuneko zokukhonzwa kweminikelo emincane, inzuzo ehambisana nenkokhelisho ehambisana nokungena komkhakha. Umphumela ube umzila ophansi kodwa okhulayo we-SMEs ontula ukuboleka noma umlando wokuhweba ngebhange.

Ukukhokha Imali Nezibopho Ezicophelelayo

I-Moondre, ekhonsathini ne-ASIC ne-Prudgetive Regatence Authority (APRA), iye yaveza kabusha imithetho enomthwalo wemfanelo wokubolekisa eminyakeni yamuva ukuze inciphise umthwalo obolekisayo owenzelwa ababolekileyo kuyilapho ilondoloza isivikelo sabathengi. Ngemva kokubukeza ngo-2020-21 kwe-National Consumer Consumer Protection Act, ababolentissworder manje sebeyakwazi ukuvumelana kakhulu ekuhloleni imali eboletwayo yebhizinisi encane, eye yathuthukisa ukutholakala kwemali yokuthenga ngemali ebhankizayo yamaSME. Nokho, izimpikiswano eziqhubekayo mayelana nokukhokhwasana kwebhizinisi nokukhokhwaba kwemali emisha emisha iyaqhubeka inqubo yezemali.

Indawo Ezungezile Nenhlangano

Ngaphandle kwentela nezimali, izimiso zezimali zidala i-SMEs yokuqondisa kumelwe ihambe nsuku zonke. Ukuncishiswa nokuncishiswa kwamakhasethi abomvu bekulokhu kuyinto eqhubekayo, kodwa intuthuko ayilingani.

Ukubhalisa Nokubika Ibhizinisi Ngokunciphisa Ubunzima

I-Moderning Business Registers (MBR), uhlelo lwe-Moderning Registers, oluhlose ukuhlanganisa ukubhalisa okuphindwe kabili (ABN, ASIC, intela) ibe yisimiso esisodwa esinamaqoqo. I-Business Simplinification ne-Mvellining uhlelo lufuna futhi ukunciphisa inani lezikhathi amabhizinisi amancane anikeze ulwazi olufanayo ezinhlangano ezihlukahlukene. Nakuba lemizamo iye yancishiswa izinselele zezobuchwepheshe, isiqondiso sicacile: amafomu ambalwa, amazibuko, nokuhlanganyela ulwazi oluningi. I-Australia Small Business and Faminprise Ombrise Ouds (ASBEFO) iye yancoma lokhu kuhamba kodwa yaphawula ukuthi ukukhiqiniswa kwemisebenzi kudinga ukuthutha ngokushesha okukhulu.

Umphumela Wobuhlobo Nesici Esiphakeme Sezezimboni

Nakuba iMoota ingenawo umthetho oqondile wezezemisebenzi (owenyulwa ngaphansi koMthetho Womsebenzi weFair, umisa isiqinisekiso sokusebenza kwenani elikhulu (SG) kanye nemibuso ehlobene. Isilinganiso se-SG njengamanje singu 11.5% (njengo-2024) futhi sibekwe isisekwe ukuba senyuke ku - 12% ngoJulayi 2025. Iqophelo ngalinye le-SMES, linezela cishe u-0.75%% wezindleko zomsebenzi. I-SG iphinde inikeze i-Supanetion Isiqinisekiso (Admistminiation Act), iphonsa ijelo kubaqashi abahluleka ukukhokha ngesikhathi. I-khampathi le-mali ingaba umthwalo kubaqashi abancane, ikakhulukazi labo abakhokhelwayo. Ukushaza kwe-SG kuhlanganisa izindleko zemali (i-parcernarration) phakathi nokuhlola kwe-tellation (injini).

Izinselele Nokugxeka

AmaSME nabasekeli bawo baye baveza izinselele eziningana eziphikelelayo ezibangelwa izimiso zezimali.

Ukuba Yinkimbinkimbi Nomthwalo Wokuphatha

Naphezu kwemizamo yokulungisa, izimiso zentela nezokuqondisa zihlala ziyinkimbinkimbi. “Isimiso somthetho soMsebenzi Wemisebenzi Wezentengiselwano we-Australia” sibika ukuthi ama-SME amaningi asachitha amahora angaphezu kuka-40 ngonyaka emisebenzini evumayo. I-Cetator’s i-Business Commission Renate Report [[[FLLT:1] iyavuma ukuthi ithonya eliqhubekayo lenguquko yezinhlangano ezihlukahlukene lingasengakhokha izindleko eziphakeme emabhizinisini amancane kakhulu. Ubudlelwane phakathi kwemithetho kahulumeni, umbuso, umbuso, nemithetho yendawo ihlanganisa lendaba, nakuba izimiso zemali zithinta ngokuyinhloko uhlaka lwezwe.

Ithonya Labefundisi Nezithuthwane Zezomnotho

Ngoba isimiso seTreasury fiscal sivame ukuphikisana nemithetho yezentengiselwano nezemali phakathi nokuwohloka kwezomnotho kanye nokutholana phakathi nokubuya kwesimo − iziqu zibhekene nokungaqiniseki ngokuthi ukusekela kuzakususwa nini. Ukuncitshiswa ngokushesha kukaJob Speender nokuboleka imali kuqinisekisa izinhlelo ngo 2021 eziqinisekisa amabhizinisi athile ngaphandle kwenethiwethi lokuphepha njengoba ukwehla kwamandla emali nenzalo kunyuka. I-Mongo yemali kusukela ngaleso sikhathi iye yaveza i- “SME Resiliefrence'''' ehlose ukunikeza izimpawu eziqinisekile kakhulu zokusekela, kodwa abagxeki bethi isekelwe ngokungafanele. Uphenotate Suicism Komiti yokuhlola iSME formation [FLT] yaqokomisa isidingo sokukhulumisana okucacile nezikhathi ezithatha isikhathi eside ngenxa yezinguquko.

Ukungahloli Okwanele

Izinhlangano ze-SME zivame ukuphikisa ngokuthi izingxoxo zeTreasurery zilawulwa amabhange amakhulu, abangenisi benkampani, namafemu emisebenzi yobuchwepheshe, zishiye izwi lamabhizinisi amancane, aneziqu zomkhaya ebekwe phansi. I-Otherin iqhuba njalo “IziNkathi Ezincinci Zomsebenzi webhizinisi nezincwadi ze-Advisory Group, kodwa abanikazi abaningi bathi ithonya langempela lalemisebenzi lilinganiselwe. [FLT: 0] i-Australian Small S Business neFemrise Ombriseman [ inyathelise inani lemibiko etusa ukubophela kwezivumelwano, kuhlanganise nolimi olulula kakhulu emaphepheni nasenkambisweni nakuthuleni ye-inthane. [FLT]

Amathuba Okuzihlobisa Ngemithetho Yezimali YaseNavigate

Kunokuba amane nje athathe isinyathelo ngoshintsho lwesimiso, amaSME angama ngokuqhubekayo ukuze azuze ezisusa zikaNondyebo futhi agweme izingibe ezivamile.

Abagqugquzeli Bentela Abaxoshayo

Amabhizinisi amancane kufanele abukeze njalo ukufaneleka kokubhala-offay, amalungiselelo agcwele esikhashana (uma kusasebenza), kanye ne-CGT Revolution yebhizinisi encane. Asebenza nomeluleki wentela ofanelekayo ohlala ku-Accountings (njengoshintsho lwama-2024 ekuthuthukisweni nasekuthuthukiseni (R&D) intethelelo ebhayisekile ye-SMEs /ans organs. Intestrive ye-[FLT] Intevocations Intections Factorive Intevicensivements ikhasi]] inikeza iqokoso eliwusizo ekusunguleni ukucwaninga.

Ukufinyelela Iminikelo Kahulumeni Nokusekela

Ngaphandle kwesimiso esikhulu seTreasurement Grants, uhulumeni uphethe izinhlelo eziningi zokunikeza ezinikezwa iminyango ehlukahlukene, kodwa eminingi ixhumene nesimiso sokuhlela imali kuqala. I-Entrepreneurs’s Program (manje i-Business Growth ne-Resilience Program), i-Transportmake Development Grants (EMDG), futhi izixazululo zezimiso zezimiso zemishini ezinikezwayo ngaphansi kwe-Business Capicability Program ziyizibonelo. Ama-SME kumele i-operations ne-ULCRP [[FLT:] I-UMFLT] i-UMFFLTY] i-Activeractives ne-Active program. Ukuboosa i-Promplients [[FFFLT:1] i-Priedience prose promotivesss yoxoxa ye-Movery ingaqalienter es aqaphelisangulula amabhizinisi futhi amabhizinisi ukuze a

Ukuhlanganyela Ekusebenziseni Isimiso Somthetho

Inkampani yamukela ukuzithoba komphakathi ngezinguquko ezinkulu kakhulu ezingokwenqubo ngesikhungo sayo sokuhlola. AmaSME kanye nokuhlangana kwawo kungathonya ngokuqondile ukuklanywa kwezimiso ngokunikeza ubufakazi bemithwalo yokulalela, ukusikisela ezinye izindlela ezilula, noma ukuqokomisa imiphumela engalindelekile. I-COSBOA ne-ASBFEO zinikeza amaprojekthi nesiqondiso sokwenza ukuzithoba okuphumelelayo. Ukuqala ukuxoxa ngenqubo. (ngokuvamile), izinyanga eziningi ngaphambi kokuba umthetho usungule izimpawu eziwusizo ezingcono kakhulu emafemeni amancane.

Umbono Wesikhathi Esizayo Neziqondiso Zezimiso

I-Australian Treasurer ihlola izinguquko eziningana ezizolungisa indawo ye-SME eminyakeni emihlanu ezayo. I-Tax Concession Review (Phase 2) cishe ingakwazi ukuvala intela ethile lapho ikhuphula ezinye, njengokulawula okusemthethweni kwebhokisi le-biotech SMEs. Ukungeniswa kwesimiso esisodwa sokulungisa i-SME sombuso wezwe (ukushayela) kunganciphisa izindleko ezinqamule imingcele. I-Fiscal Sustavability Report 2024 iqokomisa isidingo sokunikezwa kwemithengiso yezakhiwo, okungase kunciphise ukuncishiswa kwentela ye-SME kodwa kungancitshiswa ngokusetshenziswa kwemali eningi.

Ukuguqulwa kwamanani kusalokhu kuyinto ebaluleke kakhulu. INdawo yezimali isebenza ne-ATO “ekwakheni intela ehlangeneyo” engaqoqa iqoqo lentela ye-GST yamabhizinisi e-tekthary futhi inciphise umthwalo ohambisanayo eSMEs kanye nokuthengiswa komkhawulo wesiphambano. Ngaphezu kwalokho, uhulumeni uye waveza inhloso yokubukeza ibhizinisi elincane e-intellinccy, ukusungula inqubo elula yokuhlela okungagwema izindleko ezibizayo nezingasihlazo zokulahlekelwa.

Isiphetho

Izimiso zezimali zase-Australia zinethonya elinamandla empilweni nasemqokanisweni wezentengiselwano ezincane neziphakathi. Kusukela emaphethelweni enzuzo ngemva kwentela kuya ekhokhayo, kusukela emahoreni asetshenziselwe ukuboleka imali ebhankini kuya ekubikezelweni kusengaphambili komjikelezo wezomnotho (-smes) zihlangene kakhulu nezinqumo ezenziwa eNdaweni yezimali. Ukuqonda okuqinile kokuthi lemithetho isebenza kanjani, lapho iqonde khona, nokuthi ingaholelaphi, nokuthi ingasebenzelana kanjani nayo akuyona into engenziwa ngokuzithandela; kuwumncintiswano omkhulu kunoma yimuphi umholi wezebhizinisi noma umsizi wezebhizinisi.

Indima yeNdawo yezimali ukuklama izimiso ezilinganisela ukukhula, ukuzinza, nokulingana. Isihluthulelo siwukuhlala unolwazi, uhlanganyele engxoxweni yenqubo, futhi ulungise amasu ebhizinisi ukuze avumelane namaqiniso angokomthetho. Ngolwazi olulungile nokusekela, ama-Australian SMEs angasebenzisa lesi simiso esiyinkimbinkimbi futhi aqhubeke ewumshini wokusungula umsebenzi abawuqaphelayo.