Where does the first start-up fund come from in the initial stage of an enterprise? Can you win the trust of the bank and get the urgently needed money at the lowest cost at the critical moment of the company's business expansion? As the "boss" of the enterprise, can I smell the change of policy in time and use it for me? Are you always chasing money, or can you effectively use other people's money to exert leverage? In the process of starting a business, these problems involving financial quotient reflect the entrepreneur's ability to manage and control funds. This ability is not innate, and needs to be practiced and accumulated in the actual combat of starting a business, so as to achieve improvement. At present, we are entering a grassroots financial era. Many small loan companies and credit guarantee companies have extended the financial industry chain to a more terminal link, effectively providing timely help to more small enterprises and even individual entrepreneurs. This undoubtedly contributed to the entrepreneurial tide that has arrived. Therefore, if a person wants to start a business, it is actually "not bad money". The key to the success of starting a business lies in the level of financial quotient. Low financial quotient, you chase money, high financial quotient, money chases you!
There are thousands of entrepreneurs in Shangdi or Zhongguancun in Beijing, and further places, such as Zhangjiang in Shanghai, Nanshan District in Shenzhen, Tianfu Software Park in Chengdu, Innovation Road in Xi, industrial parks in Guangzhou, Tianjin, Wuhan, Changsha, Nanchang, Qingdao and Shenyang ... There are many "Wang Yong". They may be from a technical background or a non-technical background, but they all have their own specialties. When they work for others, they accumulate a little capital diligently and conscientiously, and when they are 30 years old, they start a business with their friends. Grass-roots entrepreneurs are a group of people who can't reach the top of the world and the ground. They can only rely on the 4Fs (founders, family, friends and fools) around them-themselves, family, friends and fools (sometimes called "nobles"). These limited four types of people raise money to start a business. But the number of people who can lend them money is limited, which greatly restricts the development of grassroots entrepreneurial enterprises, such as consumer goods industry. Without enough market expenses, it is difficult to drive sales. For enterprises that rely on big customers to survive, the account period of big customers is too long, and small enterprises are always struggling to live, let alone research and development, and can only spend some money on new products. This is the living condition of 90% grassroots entrepreneurs. Although the living environment is so bad, 10% of entrepreneurs have found a successful financing method in the predicament, mainly because financial quotient has played an important role invisibly. Of course, not all people with financial ability are suitable for starting a business, but entrepreneurs must have strong financial ability. Only in this way, the financial problems encountered in the process of starting a business will be less, the financial management activities of start-up enterprises will improve efficiency, the risk of funds will be reduced as much as possible, and the income of venture capital will be higher. Are you capable of accumulating venture capital? Have you lost your way in the details of the entrepreneurial project? When you decide to start a business, do you often make mistakes when you invest because you ignore big financial problems? The common problems faced by these entrepreneurs are not unsolvable, but the effective solution is to cultivate your entrepreneurial financial management ability as soon as possible.