While alone holds, others slowly die. Employed enterprises from trade of commerce, tourism, entertainment, transport are particularly injured.
Each country struggles in its own way with economic difficulties and supports local businesses and populations. They will provide loans with low rates and allowances, pay temporary unemployment benefits, compensate the cost of nanny and sanitary processing of premises. We share the experience 8 countries in europe, america and asia.
USA: 1.200 $ ordinary americans and up to 10 million U.S. Dollars for each company to issue wages
President donald trump signed the cares law at the end of march. Now businesses and people in america receive support for 2.2 billion dollars (161 billion rubles). Of this amount, 500 billion dollars (36.6 billion rubles) will lead companies injured due to a pandemic, for example, airlines. People who have lost due to coronavirus in the work, in the coming months will receive every week 600 (43.939 P).
Another 350 billion dollars (25.6 billion rubles) that states allocate to government loans from small businesses and individual entrepreneurs. This money will go to the employees to the employees. The company can get a loan on 10 million dollars (731.6 million rubles) under 1% of. Pledges or other guarantees are not required. If the company meets all credit requirements, it will be turned into a grant – meaning there is no need to return it. In explanatory notes of the law they write for that they must pay for 8 weeks after receiving the loan employee of the salary at the usual level.
350 billion u.S. Dollars (25.606 billion rubles) proved to be insufficient to help with the needs of companies to pay salaries to employees. Then trump approved allocating another $320 billion (23.411 billion rubles). They will also go to salary loans.
Americans can receive direct lump sum payments. For example, if a person less 75.000 US dollars (5.487.000 p) earned per year, this will be 1200 u.S. Dollars (87.792 P) and another 500 US dollars (36.580 p) paid for each child. The maximum amount a family can receive is 7500 US dollars (548.700 p). Payments will not be made to individuals who receive more than 99.000 U.S. Dollars (P7,242,840) collect, and childless couples with a total income of 198.000 US dollars (14.485.680 P) per year.
Germany: unlimited loans and up to 15.000 € freelancers and individual entrepreneurs
To support the economy, the federal government has allocated 750 billion euros (59.696 billion rubles) allocated. Of these, 600 billion euros (47.757 billion rubles) sent to a large corporate assistance fund. 100 billion euro (7.999 billion rubles) germany is ready to invest in the shares of german companies: the government wants to avoid its absorption of foreign companies.
German finance minister olaf scholz promised that the government will supply unlimited assistance companies. After bumps in the amount of the loan, in which companies can issue the state bank for the development of KFW, there is no cover. The percentage of the scholz bet does not call. If the business cannot pay rent due to the pandemic, the landlord does not have the right to terminate the agreement.
Germany will receive 50 billion euros (3.979 billion rubles) to support small businesses, individual entrepreneurs and self-employed people threatened by insolvency due to coronavirus. The maximum payment amount is 15.000 € (1 193 925 P). To get help, it is not necessary to be a citizen of germany – if you live and work in the country, it is enough to make an application.
Italy: pension compensation and €600 self-employed and seasonal employees
In order to support the economy, the government of italy has borrowed 25 billion euro (1.989 billion rubles) allocated to. Of this, 10.3 billion euros (819.83 billion rubles) will go to support companies and families. For example, included in the amount in which it contains temporary unemployment benefits. Another 5 million people, self-employed and seasonal workers can receive for the month a payment of 600 € (47.757 P) apply.
Small and medium-sized enterprises receive government state guarantees, which means they can obtain loans for low interest rates. Tax payments and loan payments were suspended. Stores and other businesses that had to close due to coronavirus will receive compensation of 60% of rent for march. In part, the cost of hygiene will be partially compensated, ie the protection of employees from infection: the amount of taxes of the company will decrease by 50% of the costs incurred.
The working parents can receive up to 600 € (47.757 P) pay for nanny services. Bonus at 100 € (7959 p) provides all employees who continue to work and whose annual income is less than 40.000 € (3.83.800 p) be continued.
In april, italy approved an additional package of measures amounting to 400 billion euros (31.838 billion rubles). The government provides state guarantees for business loans for 200 billion euros (15.919 billion rubles) by the state export and credit agency SACE. Another 200 billion euros (15.919 billion rubles) – guarantees for investments to support exports.
France: 8.5 billion euros for unemployment benefits and subsidies on 5000 € incidental expenses and freelancers
To deal with the consequences of the chaos from coronavirus, france raise 45 billion euros (3.581 billion rubles). Of these, 35 billion euros (2.785 billion rubles) to reduce contributions to the social security system. Another 8.5 billion euros (676 billion rubles) will be paid as benefits for forced unemployment. Salaried employees who do not work in remote mode and temporarily do not include in cases, the state reimburses up to 84% of the usual salary.
2 billion euros (159.19 billion rubles) will go to the solidarity base for self-employed, individual entrepreneurs, owners of small businesses with an annual turnover of up to 1 million euros (79.59 million rubles). In the first attraction, the entrepreneur receives 1500 € (119 392 p). If the company has particular difficulties, this can turn the fund for the second time and from 2000 € (159 190 p) to 5000 € (397.975 p) receive.
Companies received a delay to 3 months after tax payments. The french state investment bank BPIFRANCE offers government guarantees for loans to companies with a number of up to 5.000 people. The government guarantees that the loans to companies for a total of up to 300 billion euros (23.878 billion rubles) to suspend.
Great britain: grants to small businesses at 10.000 £ and postponement of mortgage payments
In march, the united kingdom announced measures to support the company. One of the main elements of the program – credit guarantees for business for 330 billion pounds sterling (30.27 billion rubles). The state advocates the guarantee for banks that companies can obtain a loan despite the risk of insolvency. The maximum loan size increases from 1.2 million pounds sterling (110,083,080 p) to 5 million pounds sterling (458 p).679.500 p). Interest can not be paid for six months. Businesses, hotel and tourism business during the epidemic were exempted from the tax on commercial activities.
Some companies have also been exempted from the tax on commercial property. The list includes companies working in the field of leisure and hospitality, and retail companies operating premises of £ 51 000 (4.678.530 p) cost. Children institutions also receive 100% compensation, but for the next year.
Representatives of small businesses receive a one-way payment of 10.000 £ (917 359 P). Retailers and companies in the hospitality and leisure sector can also rely on such a subsidy. Its size depends on the value of the property owned by the company. If the space or the building on 15.000 to 51.000 £ (4 678 530-1.5907E + 07 P) is appreciated, owners 25.000 £ (2 293 397 p) paid. If less than £ 15 000 (1 376 038 p), the company receives an allowance at 10.000 £ (917 359 P).
The state reimburses up to 80% of the salary of employees who had to be sent on vacation. The maximum amount of compensation is 2500 £ (229 339 p) per month per person. Another briton experiencing financial difficulties may get a three-month delay in mortgage.
Spain: 400 million euros the ball of tourism and transport and the temporary unemployment benefit of 500 €
The government of spain gave 200 billion euros (15.944 billion rubles) to support businesses and population. Of these, 100 billion euros (7.972 billion rubles) state guarantees for loans from companies. Another 17 billion euros (1.35 billion rubles) will directly support the local business and population. To the money allocated to the government, another 83 billion euros (6.616 billion rubles) of private investments added. Previously, the tourism and transport sector received aid in the amount of 400 million euros (31.888 billion euros).
In spain in higher violent situations a scheme is called erte: the employee temporarily does not work, but receives an unemployment benefit. When higher violence is, a person will return to work. After erte, an employee receives 70% of salary, maximum 1411.83 € (112 551 P) per month. Such an amount is paid to parents of two or more children. If there are no children, the size of the erte benefit is from 501.8 € (40 003 p) to 1098.09 € (87 539 p), if a child is from 671.4 € (53 254 p) to 1254.96 € (100 045 p) .
In spain, 3 million self-employed. The government allowed them to cancel their business for greater force. This means that they can now receive benefits similar to unemployment benefits. The minimum amount of support is 950 € (75.734 P).
Those who have lost work or regular income can defer monthly payments on mortgage loans and pay for utility bills. The term is unknown. If an employee cannot come to work because he has to take care of children or elderly relatives, the company does not have the right to turn him away.
Netherlands: salary compensation up to 90% and 1500 € freelancer
In march, the dutch government announced that 10-20 billion euros will be allocated in the next three months to help entrepreneurs and the self-employed (797.2 billion – 1.594 billion rubles). This amount includes payments to companies that cannot afford to pay the salary to employees. The compensation of costs depends on the loss of the company: if 100% of the turnover, the compensation of 90% is 90% of the wages. If the loss is 50%, compensates 45.
Entrepreneurs who suffer mainly due to coronavirus receive a one-time payment – 4000 € (318 880 P). Companies can apply for a series of tax payments for the quarter.
Companies where 250 people work or less can get a loan at a rate of 2% under the guarantee of the state. Medium and large companies also receive loans: the state gives 50% guarantees in the amount of 10 billion euros (797.2 billion rubles).
Self-employed people without staff who face financial problems have the right to state authorization. The amount depends on the income and the situation in the family, the maximum 1500 € (119.580 p) per person. Self-employed person can take out a loan with a low interest rate for the maximum amount of 10.157 € (813.056 P) get. An exact bet is unknown.
China: 300 billion yuan for loans and vouchers instead of money
China announced support measures in february. The people's bank of china, the NBK, provided additional liquidity to the markets in the amount of 1.2 billion yuan (12.498 billion rubles). Now thanks to financial inflation, the market has stabilized. Then NKB distributed loans for banks for 300 billion yuan (3.124 billion rubles) for loans to companies.
Later, the authorities announced financial support for small and medium enterprises in 3 billion yuan (31.24 billion rubles). In addition to them, the NBK (10.41 billion rubles) allocated with small and medium sized banks of 1 billion yuan.
Tax rates and loan rates reduced. For example, the value added tax for the manufacturing industry fell from 16 to 13%, the transport, construction and other sectors – from 10 to 9%. NKB loan rate reduced by 10 percentage points: from 3.25 to 3.15% – for medium-term loans from 4.15 to 4.05% – on annual loans for prime borrowers. Payments on loans have been delayed, and penalties on overdue loans have been cancelled.
Another government promised to double the temporary benefits of low-income families and the unemployed from march to june. However, unlike the united states and europe, this does not bet on direct payments to the population. Chinese economists believe there are more efficient limited-use vouchers. You can buy goods on them. It is assumed that this will stimulate demand in the domestic market, and the limited life of use will lead people to make purchases as soon as possible.