Companies and teams that have just started a business need to pay attention to many problems in financing, including understanding the relevant knowledge, process, methods and skills of financing, being alert to fraud and financing misunderstandings, and paying attention to legal problems and risks that may be encountered in financing.
Therefore, it is recommended that all parties carefully study and understand, and refer to the opinions and suggestions of professionals when necessary to prevent the failure of entrepreneurship or even fatal blow due to financing problems.
Because there are many problems that need to be paid attention to, companies and teams should simplify the complex, grasp the key points of the problem, analyze and find the problems through peep, and deal with the financing problems in time. We can pay attention to the following simple questions:
First, the issue of total financing income and total financing cost.
The purpose of financing is investment income, and financing is cost input. Financing cost includes interest cost, financing cost and possible risk cost. Therefore, only when the expected total income of raised funds is greater than the total cost of financing can financing be carried out.
The simple algorithm of calculation is whether the profit rate of expected income is higher than financing interest. Therefore, we should pay special attention to the counter-productive financing of high-interest usury financing, which may be to quench thirst by drinking poison.
Second, corporate financing should control the debt ratio.
When raising funds, it is necessary to evaluate the financing scale of enterprises. Excessive financing may increase the financing cost, or lead to excessive debts of enterprises and increase operational risks. Lack of financing may affect the business objectives and development of enterprises. Therefore, enterprises should determine a reasonable financing scale according to actual needs, their own conditions and costs.
Third, choose a reasonable financing method.
By choosing a reasonable financing method, controlling the financing cost is the decisive factor to determine the development of enterprises, so as to prevent the high cost or high risk brought by unreasonable financing methods and leave hidden dangers for the operation and development of enterprises.
At present, entity financing is difficult, so we should consider multi-channel financing methods, such as using the Internet.
Use the Internet to achieve information symmetry and efficient use of resources, so that investors can directly connect with demanders with financing needs, minimize complicated intermediate links, and let investors directly enjoy the growth dividend of enterprise operation and development. In contrast, the information of direct investment by enterprises is more transparent, and the income of investors has been significantly improved compared with other investment methods.
Fourth, master certain financing skills.
In addition to creating high-quality enterprise projects and entrepreneurs, the acquisition of venture capital also requires certain financing skills. Including making full preparations, providing reasonable and convincing plans and data, giving the financed party confidence and motivation, etc.
Fifth, choose the right financing opportunity.
It is necessary to keep abreast of financial market information such as interest rate and exchange rate, understand the national macroeconomic situation and monetary policy, analyze and predict various conditions and trends that affect enterprise financing, choose the best financing opportunity, and decisively formulate and implement financing plans.
6. Ensure the optimization of capital structure by choosing a reasonable financing scheme.
According to the actual situation of enterprises, we should evaluate the financing risk, reasonably determine the optimal capital structure, and ensure the optimization of capital structure through supporting strategies such as restructuring, corporate governance restructuring and incentive system restructuring.
Our leader once said: "Finance is very important and is the core of modern economy. Finance is done and everything is alive. " This shows the importance of financing for entrepreneurial enterprises, and scientific and reasonable financing is the key to the operation and development of entrepreneurial enterprises.