What is the financing content of small and micro enterprises in China?

1. What are the common financing methods for small and micro enterprises? (I) Intangible assets secured loan According to relevant laws and regulations, intangible assets such as trademark exclusive right, patent right and property right in copyright can be used as loan collateral. (II) Natural person guarantee Natural person guarantee can take three ways: mortgage, pledge of entitled interests and mortgage plus guarantee. Property that can be mortgaged includes all personal property, land use rights and means of transportation. But if the borrower fails to repay the loan within the time limit, the bank will investigate the guarantor's guarantee obligation! (3) Pawn financing Pawn is a financing method to obtain temporary loans in the form of physical ownership transfer. (4) Comprehensive credit banks grant credit lines with deposit lines within a certain period of time to some enterprises with good operating conditions and reliable credit, and enterprises can recycle the credit lines within the validity period and scope. (V) Credit guarantee loans At present, more than 65,438,000 cities across the country 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. (VI) Housing loan If the products of an enterprise have a reliable market, the bank may provide loan support to the buyers of its products according to the sales contract in the case of insufficient self-owned capital, poor financial management foundation and difficulty in providing collateral or seeking third-party guarantee. Of course, there are many ways for small and micro enterprises to borrow money. Different lending institutions will have corresponding loan products for corporate loans. Therefore, business owners must know more before applying for loans and choose the most suitable loan method through comparison. Second, what is the significance of financing for small and micro enterprises? Financing for small and micro enterprises is the behavior and process that small enterprises or micro enterprises raise funds from enterprise investors and creditors through certain channels to ensure the normal production needs of the company. In a narrow sense, financing is the behavior and process of raising funds for enterprises. That is to say, according to the production and operation status, capital ownership status and the needs of future business development of enterprises, through scientific prediction and decision-making, we can raise funds from investors and creditors of enterprises through certain channels and organize the supply of funds to ensure the normal production needs and financial management activities of enterprises. Broadly speaking, financing is also called finance, that is, the financing of monetary funds and the behavior of the parties to raise or lend funds in the financial market in various ways. "New palgrave Dictionary of Economics" explains financing: financing refers to the monetary transaction means to pay for purchases that exceed cash, or the monetary means to raise funds for the acquisition of assets. The company's operation mode is very complex and huge, and it needs a lot of money. The company has creditors, and because it needs capital flow, it will issue bonds and other means of financing. Financing is also for the company to have more funds for the management of other industries of the company.