How to raise funds for small and medium-sized enterprises

Legal analysis: There are four sources of funds for SMEs: first, self-financing, second, direct financing, third, indirect financing, and fourth, government support funds. Self-raised funds cover a wide range, mainly the owner's own funds; Venture capital fund; Financing funds for enterprise operation; Credit loans between enterprises; Loans from mutual aid institutions for small and medium-sized enterprises; There are also some social fund loans and so on. About direct financing. It refers to the channels to raise funds from the public in the form of bonds and stocks. Indirect financing mainly includes short-term and long-term loans. Loans mainly include mortgage loans, secured loans and credit loans. Different types of small and medium-sized enterprises have different financing characteristics, and of course they also have different requirements for financing channels and conditions. From the perspective of financing, small and medium-sized enterprises can be divided into manufacturing, service, high-tech and community. The financing characteristics and requirements of various small and medium-sized enterprises are different.

Legal basis: People's Republic of China (PRC) Small and Medium-sized Enterprises Promotion Law.

Ninth special funds for the development of small and medium-sized enterprises are mainly used to support the construction of public service system and financing service system of small and medium-sized enterprises by means of funding, purchasing services and incentives.

The special funds for the development of small and medium-sized enterprises are inclined to small and micro enterprises, and the management and use of funds adhere to the principle of openness and transparency, and budget performance management is implemented.

Article 14 The People's Bank of China shall comprehensively use monetary policy tools to encourage and guide financial institutions to increase credit support for small and micro enterprises and improve their financing environment.

Article 15 The banking supervision institution of the State Council shall formulate differentiated supervision policies for financial institutions to provide financial services to small and micro enterprises, take measures such as reasonably increasing the tolerance of non-performing loans of small and micro enterprises, and guide financial institutions to increase the financing scale and proportion of small and micro enterprises, so as to improve the level of financial services.

Article 18 The state improves the multi-level capital market system, promotes equity financing through multiple channels, develops and regulates the bond market, and promotes direct financing of small and medium-sized enterprises through various means.