SME Financing Borrowing Skills

At present, small and medium-sized enterprises in China loan It is an indisputable fact that even a good investment project will not be taken care of by banks. If equal opportunities and other conditions are equal, large and medium-sized enterprises will give priority to loans. So vote financing Experts believe that borrowing skills will become increasingly important in the financing of small and medium-sized enterprises. Loan The main skills are:

1., establish a good relationship between banks and enterprises.

Requirement:

(1) enterprises should pay attention to reputation. In the dealings with banks, enterprises must be assured of the safety of loans. How can banks be reassured by enterprises?

First of all, enterprises should pay attention to the daily management of funds. Banks often start with the use of funds, turnover and financial accounting.

Secondly, enterprises should regularly report to the bank on the operation of the company, so that banks can enhance their trust in the enterprises in regular communication with the enterprises.

Finally, enterprises should work hard to improve their management level and establish good reputation with practical actions.

(2) enterprises should be patient. We must be patient when we strive for loans, fully understand and understand the difficulties of banks and avoid impulsive anger and harm.

(3) actively and enthusiastically cooperate with banks in carrying out various tasks. If we actively cooperate with banks to carry out various surveys, conscientiously fill in and submit corporate financial statements, loan maturity will take the initiative to perform repayment or extension procedures on time, in order to obtain bank trust in small and medium-sized enterprises.

2. write a feasibility study report on investment projects.

The feasibility study report of investment projects plays a very important role in striving for the scale of project loans and the preferential support of bank loans. Therefore, small and medium-sized enterprises should pay attention to the following problems when writing reports:

(1) the project should be in line with the relevant policies of the state, focusing on the technical advancement, economic rationality and practical feasibility.

(2) we should make clear the major issues and make a forceful demonstration of the relevant issues. If the product is sold, it is necessary to analyze and demonstrate the market demand for the product, the production capacity of the current society and the future trend.

(3) take economic benefits as the starting point and the foothold of feasibility.

3. highlight the characteristics of the project.

Different projects have their own inherent characteristics. According to these characteristics, bank loans also have corresponding requirements.

4. choose the right timing for a loan.

Attention should be paid to ensuring that the funds needed by SMEs are in place in time, and facilitating bank arrangement to arrange credit funds to regulate credit scale. Generally speaking, if SMEs want to apply for a larger amount of loans, they should not be arranged at the end of the year and at the end of each quarter.

5. strive for support from SME guarantee institutions.

Small and medium-sized enterprises, because of their small capital and small scale of operation, are difficult to provide the collateral and pledge that banks need. At the same time, it is difficult for them to obtain the third party's credit guarantee. Therefore, it is very difficult for them to obtain loans from banks. Investment and financing expert Zhang Xuekui believes that these are unfavorable conditions, but if we can do well with all aspects, the financing work should be done in advance, and the support from these specialized agencies of SMEs guarantee institutions will be much easier to lend to commercial banks.