What are the financing channels for SMEs?

Bank loans, stock financing, bond financing, financial leasing, overseas financing.

Banks are the main financing channels for enterprises. According to the nature of funds, it is divided into three categories: working capital loans, fixed assets loans and special loans. Special loans usually have specific purposes, and their loan interest rates are generally favorable. Loans are divided into credit loans, secured loans and discounted bills.

Bank loan is one of the most common financing channels. Because of its high requirements for enterprise qualifications and relatively complicated procedures, it is often difficult for small and medium-sized enterprises that are in urgent need of funds.

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Precautions:

Before lending to small and medium-sized enterprises, banking institutions must ask to see the person in charge of the enterprise. Therefore, entrepreneurs should take the initiative to receive the personnel of financial institutions and systematically introduce the company's development planning, company status, existing problems, development goals and other issues to the personnel of financial institutions.

It is important to pay special attention to show a beautiful vision to the personnel of financial institutions, although it is not so easy to realize this vision. But if you don't even have a beautiful vision, it's hard to get recognition.

Baidu Encyclopedia-Financing Channels for SMEs

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