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Second, write-off risk of small and micro enterprises after lending.
The risk of loan cancellation for small and micro enterprises mainly lies in that the failure to pay off the loan will be fined by the relevant departments, and the legal person may be fined if it fails to pay off the loan.
It turns out that the time limit for cancellation of enterprises is relatively long, and it is also strict in the audit stage.
If you want to cancel the company after the loan, you need to pay off the loan and ensure that there are no tax omissions before you can cancel the company.
3. What are the financing problems of small and micro enterprises in China?
Legal analysis: Due to the low qualification of small and micro enterprises and the lack of mortgage guarantee, financing is difficult and expensive, which are the same problems faced by the development of small and micro enterprises all over the world. The bottlenecks and difficulties encountered by small and micro enterprises in financing are mainly reflected in:
1. Financing channels are very limited.
2. Small and micro enterprises have high financing costs. In addition to the high loan interest rate, the financing cost of small and micro enterprises is also pushed up by various costs such as effective collateral, guarantee fee, consulting fee and evaluation fee.
3. The rising loans and asymmetric information restrict the micro-credit business. Affected by the slowdown in economic growth, the high-risk characteristics of financing for small and micro enterprises have emerged, and the non-performing loans of small and micro enterprises in banks have increased.
4. Small and micro enterprise credit products are not targeted enough. Small and micro enterprises have more restrictions on credit products, less personalized and differentiated credit products, more liquid loans in support direction and less constructive loans.
5. Small loan companies and Internet finance are facing difficulties. Small loan companies are facing problems such as lack of funds, high cost of information acquisition, risk control and sustainable development. Internet finance is a healthy innovation that follows the laws of Internet economy, and it faces many problems, such as the license of financial institutions, information collection and disclosure, the mismatch of funds on P2P platform, and how to connect the credit information system.
Legal basis: Article 26 of People's Republic of China (PRC) Company Law states that the registered capital of a limited liability company is the capital contribution subscribed by all shareholders registered in the company registration authority. Where laws, administrative regulations and decisions of the State Council have other provisions on the paid-in registered capital and the minimum registered capital of a limited liability company, those provisions shall prevail.
Fourth, why do small and micro enterprises have high operational risks?
Small enterprises have poor ability to resist risks.