It seems that financing is difficult and expensive, which is synonymous with small and medium-sized enterprises represented by companies listed on the New Third Board. Although the New Third Board provides a financing platform represented by fixed increase for listed companies, about 6% of the new third board enterprises have not passed the fixed increase financing since listing. Then, does this mean that the financing channels of listed companies that have not been increased have been broken?
Actually, it is not. In addition to equity investors, many banks have gradually joined the camp of fund suppliers of the New Third Board enterprises, providing all the funds needed from listing to daily operation to mergers and acquisitions, and even providing funds for the big coffee of the New Third Board enterprises.
listing without money? Looking for a "listed loan"
In addition to comparing the "traditional" equity pledge, many cooperative banks in the national share transfer system have also launched a series of various types of services for listed companies at various stages and under various circumstances.
Some enterprises are small in size, have insufficient cash assets or are struggling with turnover, especially some small and medium-sized innovative enterprises. They want to go public, but they can't afford to pay millions of counseling fees for brokers. Although local governments have subsidies, it is often necessary to go public successfully when all the funds are in place, and brokers sometimes ask enterprises to pay part of the funds first. At this time, enterprises will be in trouble: If the funds in their accounts are given to brokers, how can they turn around these months? Don't worry, you can try to find a "listed loan" from the bank. The so-called listing loan refers to the loan business that the National Stock Transfer System Cooperative Bank only gives a certain amount of working capital loans to small and medium-sized enterprises that intend to be listed on the New Third Board and have signed a recommendation listing counseling agreement with relevant recommendation agencies according to the amount of subsidies granted by the local government, which is used for various expenses or production and operation turnover in the process of listing enterprises. At present, China Everbright Bank, Shanghai Pudong Development Bank and China Guangfa Bank have launched this kind of business.
does development cost money? Many mortgage loans
For the new third board enterprises, financing development should be the top priority, but where to finance? Private placement? Faced with the selective selection of various investors, if the market is cold, no one may dare to vote, the industry is not good, and no one dares to vote ... In short, all kinds of difficulties. However, if you are willing to change your mind and raise funds in the form of mortgage or pledge of certain assets, the road may be much broader.
if you are a high-tech enterprise with a lot of intellectual property rights, well, intellectual property rights can also be pledged now! Everbright Bank, Guiyang Bank and Xi 'an Bank have successively launched intellectual property pledge loans, and enterprises can apply for loans from banks with their own intellectual property rights as collateral. For example, Xi 'an Bank has launched such intellectual property pledge loans: enterprises (or their major shareholders) pledge their legally owned and transferable intellectual property rights such as patents, exclusive rights to registered trademarks and copyrights to obtain bank loans, and the pledge rate can reach 45% of the estimated value of intellectual property rights at the highest.
If you are an enterprise with more accounts receivable, you can use the accounts receivable as collateral to obtain bank loans. At present, banks such as Hangzhou Bank and Xi 'an Bank have launched this innovative business.
in addition, you can also obtain guaranteed insurance loans or guaranteed loans from banks through the guarantee provided by insurance companies or guarantee companies, and you can also obtain joint investment loans from banks through the endorsement of existing investment institutions ... In short, such loans that need to be mortgaged, pledged or guaranteed are various and are the mainstream at present.
don't want to pledge? Look for a "credit loan"
Of course, if you don't want to get money by mortgage, pledge or guarantee, you can also try a credit loan-no mortgage, no pledge or no guarantee! At present, Huaxia Bank, Bank of Communications, Industrial Bank, Qilu Bank, Hangzhou Bank and many other banks have launched credit loans.
For example, Huaxia Bank has launched a special financing product-credit loan, which takes building a "financial service provider for small and medium-sized enterprises" as its own responsibility and is designed for high-tech enterprises with light assets. The credit line for a single working capital loan shall not exceed 2 million yuan and the credit period shall not exceed 1 year.
big coffee is short of money? Looking for an "elite loan"
What if you are the chairman, secretary-general and other senior executives or even core technical personnel of a new third board enterprise and want to borrow money to buy a house and a car? Is there any way? Of course, Qilu Bank (832666), our new third board enterprise, has launched a humanized elite loan: according to the personal consumption, business financing and other needs of the executives of the "new third board" listed and proposed listed enterprises that Qilu Bank has granted credit, the corresponding quota will be matched according to the specific situation. Corporate executives include: original shareholders, core employees and concerted action.
after all, it is a bank that goes deep into the camp of three-board enterprises, knowing the actual needs of three-board big coffees and making such a humanized product!
market making is boring? Looking for "market-making credit"
If you are a market-making transfer enterprise, you are bored with market-making, so don't worry, market-making is also beneficial, so what? Bank of Hangzhou has launched Market-making Credit: a market-making listed enterprise with outstanding main business, good growth, clear financial status and low debt ratio, with a quota generally not exceeding 2 million yuan. Please note that this is a credit loan! Is it awesome?
in addition, for market-making transfer enterprises, the amount of credit loans will be higher than that of ordinary enterprises. For example, the credit loan launched by Industrial Bank has a quota of 8 million for listed enterprises and 1 million for market-making enterprises; Another example is the credit loan of Qilu Bank. The quota of ordinary enterprises is only 3 million. If it is a market-making enterprise, it will be 5 million. You see, market-making enterprises will still be treated differently
lack of money for mergers and acquisitions? Looking for "M&A loan"
Of course, if you are a company that intends to merge and acquire but you don't have enough funds and don't intend to issue too many shares, after all, issuing shares will easily dilute the rights and interests of others and easily lose control. Well, Guangfa Bank, Qilu Bank and other banks have launched M&A loans.
The so-called M&A loan refers to the loan that is issued to meet the needs of the acquirer or its subsidiaries for paying the price and expenses of the M&A transaction, with the cash flow generated by the enterprise after the merger, the comprehensive income of the acquirer or other legitimate income as the repayment source. Loans with legitimate income as the source of repayment.
it's just the rhythm of heaven, which is ok! In fact, the "Layered Opinion Draft" launched in November last year proposed to pilot the policy dividend of M&A loans at the innovation level. You see, this is coming.
in addition to these products mentioned above, there are many comprehensive and structural products, such as the "Small Loan Link" business launched by China Merchants Bank, which covers the whole process of business products such as listed loans, equity pledge loans, scientific and technological achievements transformation loans, technology subsidy loans, order loans, intellectual property loans, supply chain financing and listed loans.
Another example is the structured financing launched by Guangfa Bank: In order to adjust the customer's capital structure, optimize the customer's debt maturity and reduce the customer's financing cost, Guangfa Bank comprehensively uses two or more equity financing instruments, debt financing instruments, financial derivatives and other standardized financial instruments and products, including but not limited to listing financing, equity private placement, trust financing, asset securitization, financial leasing, loans, bills, bonds (commercial paper
in a word, banks are providing more and more products and services for the new third board enterprises, depending on whether the enterprises can play.