The relatively feasible path of enterprise financing;
1. The channels of creditor's rights are: banks can borrow all kinds of enterprise credit loans as long as they have good credit, and all kinds of mortgage loans have similar products that can be directly learned from bank official website, and financial leasing and supply chain finance promoted by third-party financial institutions can be learned.
5. Equity financing: generally, you go directly to the institution official website for BP delivery. If you don't reply, it means that your project can't meet the standards of their organization, or you can participate in offline salon activities. However, this kind of financing is generally in economically developed areas. If you don't have investor resources, you can go to our financing platform to communicate with investors.
2. What are the loan channels for SMEs?
Generally speaking, SME loans are divided into mortgage loans and. There are several ways of subdivision: 1. Comprehensive credit is to give a certain amount of credit line to some enterprises with good operating conditions and reliable credit, which can be recycled within the validity period and scope of the credit line within a certain period of time. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks. Credit guarantee loans for small and medium-sized enterprises At present, there are 3 1 provinces and cities in China, and 100 cities have established credit guarantee institutions for small and medium-sized enterprises. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds. Small and medium-sized enterprise loans. Project Development Loans Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major projects to transform scientific and technological achievements, and the initial investment is relatively large and their own funds are unbearable. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans. Small and medium-sized enterprise loans. Natural Person Guaranteed Loan In August 2002, China Industrial and Commercial Bank took the lead in launching the natural person guaranteed loan business. In the future, when domestic institutions of ICBC handle the credit business of small and medium-sized enterprises with a term of less than 3 years, natural persons can provide property guarantee and bear the liability for compensation. Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation. Small and medium-sized enterprise loans V. Personal entrusted loans Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loans. That is, a loan that is entrusted by an individual to provide funds and issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic process of handling personal entrusted loans is: 1. The client applied for a loan from the bank. 2. The bank selects and matches according to the conditions and requirements of both parties, and recommends them to the entrusting party and the borrower respectively. 3. The client and the borrower meet directly to negotiate and make a decision on specific matters and details such as loan amount, interest rate, loan term and repayment method. 4. After the borrower and lender negotiate the requirements, they go to the bank together and sign the entrustment agreement with the bank respectively. 5. The bank investigates the borrower's credit status and repayment ability and issues an investigation report, and then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank. Loan methods for small and medium-sized enterprises. Bill discount loan Bill discount loan refers to the transfer of commercial bills to banks by bill holders in order to obtain funds after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this loan method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as tens of days and as much as 300 days until the bill is cashed, during which time the funds are idle. If enterprises can make full use of bill discount, it is much simpler than applying for a loan, and the loan cost is very low. Discounting bills can only be done in the bank with the corresponding bills, which can generally be completed within three working days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of extensive and active use by small and medium-sized enterprises. Loan methods for small and medium-sized enterprises. Pawning loan Pawning is a kind of loan method that takes physical objects as collateral and obtains temporary loans in the form of physical object ownership transfer. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans. First of all, compared with the bank's almost harsh requirements for the borrower's credit conditions, the pawnshop's credit requirements for customers are almost zero, and the pawnshop only pays attention to whether the pawned items are genuine. Moreover, general commercial banks only pledge real estate, while pawn shops can pledge both movable property and real estate. Loan methods for small and medium-sized enterprises. Intellectual property intellectual property refers to applying to the bank for financing of small and medium-sized enterprises after evaluating the property rights in patents, trademarks and copyrights owned according to law. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide such financing facilities for some small and medium-sized enterprises at present, and generally need the legal representative of the enterprise to add insurance. Nevertheless, those excellent SMEs with independent intellectual property rights can still try.
3. What are the channels for SME loans?
1. Upstream and downstream channels: Small enterprises can seek loan opportunities from the upstream and downstream of the industrial chain. If you are a dealer of a well-known brand car, you can use the credit and guarantee of upstream manufacturers to obtain loans. If it is a material supplier of a leading enterprise, you can also use the order to go to the bank for order pledge.
2. Policies: At present, the state is vigorously supporting small and medium-sized enterprises, and has successively introduced many preferential policies. Small business bureau and industrial and commercial bureau usually have relatively complete bank credit information. Some departments will introduce enterprises to join a loan project combining bank and securities, and some will provide guarantees for small business loans by setting up guarantee institutions.
3. Financial institutions: Loan information can be obtained from various commercial institutions, as well as from development zone management committees, chambers of commerce, and industry associations in development zones or science parks. Some commercial institutions will also set up joint loan projects with banks, and commercial institutions will provide guarantees for their small business loans.
4. Local channels: If it is a member of a county-level industrial cluster or a local advantageous characteristic industry, enterprises can also apply for loan varieties such as joint guarantee loans by virtue of the advantages of related enterprises.