Is it easy to borrow commercial loans now?

I want to start a business, but I have no money. Is it appropriate to borrow money to start a business?

Recognition, adhering to the standards of how much skill and how much things to do, even if you start your own business, you don't have to borrow money to start a business, which is risky and inconvenient. The first thing to say is to borrow money.

There are only two ways to borrow money now. Friends and relatives around you borrow money, and if they have it, they are loan banks. It is generally difficult to get a loan bank at the beginning, so the remaining relatives and friends borrow money.

Generally, you will only lend you money if you trust it, but no one's money is idle and invalid. There is no doubt that all this is planned. If others need money badly in the future, and you are unable to repay your assets and your reputation is damaged, then this road will be completely blocked.

But also an act of picking up people's wisdom. Whether you succeed in the future or not, you always owe others a worldly wisdom. Not making money will definitely increase the repayment cycle time. What should you do?

Secondly, it is about starting your own business.

Now there are indeed many people who choose to start a business, and it is time for the whole people to start a business and the public to start a business. But look at those people who are now on the road to starting their own businesses. How many people succeeded? How many are unsuccessful?

You can handle as many things as you can control. There are great risks involved.

Especially if you borrow money to start a business, if it is successful or easy, you can at least make money and repay your initial debts on time. But what if it fails? Have you thought about what kind of daily life you will lead? Self-employment is both hard and risky. If you start a business by borrowing money from the beginning, it will be difficult to raise money even if something goes wrong.

If you start your own business, you can use your savings to gradually expand your business scale. Even if you don't succeed, you can leave yourself a way out and then borrow money. After all, there is only one overlord Xiang Yu in history, so we should leave a way out for ourselves.

Is it necessary to borrow money to start a business when you are 40 years old?

This is necessary. As the saying goes, where there is a will, there is a way. As long as you have courage and vision, it's not too late to start your own business at 40.

Is it feasible to do business with loans?

It is nominally feasible to do business with loans, but it depends on whether you have the confidence to do it well. As an entrepreneur, you don't have to be rich. You have to consider many issues, such as whether your project is good or not, whether it is suitable for the local area and so on.

The entrepreneurial process depends on the matching and balance of entrepreneurial opportunities, entrepreneurial resources and entrepreneurial teams, and their existence and growth determine the development direction of entrepreneurial process.

1. The starting point of the entrepreneurial process is business opportunities. The form, size and depth of business opportunities determine the form, size and depth of resources and teams.

2. The role of founders and entrepreneurial teams is to use their creativity to find business opportunities, use external theories such as capital market to organize resources, and lead enterprises to realize the value of business opportunities. In this process, resources and business opportunities are a dynamic process of "adapting to the gap and adapting again and again".

Entrepreneurial method

1, with clear objectives

Have a clear entrepreneurial goal, work hard, strive to realize your ideals, live up to your youth, and make contributions to society and people.

2. Create value

The employees employed by startup companies should not only meet the job requirements, but also create added value for the company. In the most critical initial stage of starting a business, capable entrepreneurs and their business partners will not always consider saving in employing people.

3. Life planning

Entrepreneurs and their business partners should manage personal finance and corporate finance respectively. Before starting a business, make sure that there will be no problems in your personal life, otherwise it will be difficult for you to succeed. Entrepreneurs and their business partners can solve the company's working capital needs through loans.

Step 4 advance and retreat

Finally, entrepreneurs and their business partners should formulate exit strategies, and they can choose to transfer, sell or operate independently. Entrepreneurs and their business partners must also know when to enter and when to retreat.

The basic stage of starting a business

First stage

At the beginning, occupy the market with products and technology.

stage Ⅱ

In the corporatization stage, standardizing management and increasing enterprise benefits require entrepreneurs to upgrade their thinking from concept to thinking, and at the same time, the original relationship is transformed into channel construction, the company's sales are completed through channels, and the team of entrepreneurial partners is also initially formed.

The third stage

Group match. At this time, relying on hard power (the core competitiveness of industrialization), the whole group and its subsidiaries formed a system platform, relying on a team to complete management through the system platform, (human governance became corporate governance), sales became marketing, regional channels became regional networks, sales teams were established, and sales teams had certain management capabilities. Thinking from plane to three dimensions. Then you can retire, and entrepreneurs and their business partners will have a cash flow system (money-making machine) to work for the enterprise 24 hours a day. This is the ideal state that many entrepreneurs and their business partners dream of.

The fourth stage

This is the highest level of entrepreneurship, and the stage of group headquarters is borderless operation, which is also commonly known as multinational companies. The system platform of the group headquarters and the operating systems of each sub-group form a system. The group headquarters relies on a borderless core competitiveness (soft power) that can cross the industry boundaries, and the sub-groups form the industry core competitiveness (hard power), which will enable all walks of life of the group to reach the performance level and speed that can not be achieved in the case of single-player combat. Thinking has changed from three-dimensional to multi-dimensional, which is the highest level that enterprises can pursue and achieve.

Should young people borrow money to start businesses?

A: It is reasonable to encourage young people to start businesses with loans.

You think this project should be loaned.

Entrepreneurship is a narrow escape, so we should be more cautious when the current environment is not optimistic.

If the family conditions are not particularly superior, especially the old and the young, your fault tolerance rate is even lower. Even if you fail, it is difficult to get up all your life!

These are two questions:

First, whether young people should start a business varies from person to person, mainly considering three aspects: product line and audience, management team, funds and resources. If they have core competitiveness, they should actively start businesses. There are many factors that contribute to success, and we don't care here, but it's a pity that the conditions can't be met.

The second question is whether to rely on bank loans to solve the source of funds. As a practitioner, it is not recommended to solve financial difficulties in this way. The reason is that you can lose an opportunity to start a business, but you can't lose your credit and future, and you can't increase the burden of repayment obligations for your family (family).

If you are a young man who has just left college, it is not recommended to start a business with a loan unless you have accumulated a lot of business activities during your study. The variety and ruthlessness of shopping malls are beyond the understanding of graduates.

If they have certain work experience and suitable products and business models, young people can try to start a business, but they should pay attention to controlling the leverage level of loans and not adversely affect their normal lives because of starting a business.

You need to look at the preconditions. After all, entrepreneurship has a success rate, and entrepreneurial loans need to be treated rationally. If you are completely sure, you can. If you don't fully investigate and give guidance and suggestions, you can start a business first and then start a business.

Dialectically, but the big probability is to try not to borrow, borrow less! You can't make money and the market can't be yours. Step by step, take a long way!

Let's put aside all environmental factors and briefly talk about this topic.

In the past, the policy supported young people to start businesses, supported by venture capital, and provided three-year interest-free loans (many people definitely said that they didn't have it there, or they couldn't get it themselves, but they didn't fail to implement it. Many local people don't have good projects and good quality resources, so it is difficult to implement)

Banks need to avoid risks, so you need to provide proof of three-party assets, such as you have proof of real estate, or the place where the company is registered, how the venue is set up, whether it is a real economy, whether it drives people to find jobs, and so on. The loan amount is about 300,000 to100,000. It is estimated that many people can't get100000. On average, most people can get 30 thousand.

Young people have innovative ideas, and many industries need innovation. It is necessary to fight the old, but also to occupy the position for a long time and inject fresh blood. It is the most difficult batch to start a business after 90, because at that time, the industrial replacement has come to an end and new derivative industries are still being explored. Therefore, the environment needs this group of people to start businesses, update and change old traditions with new ideas, and break the rules of the industry.

Now let's review the topic and talk about whether we should borrow money to start a business, then let's go straight to the point; Judging from the current environment, we should start with the same wealth, and the top level should cooperate with the bottom to lead the way. Personally, the family burden is not great. For example, if you are not making money alone, you can try to start a business with less money, so that even if you fail, you can turn over quickly, which is very helpful.

Let's talk about the entrepreneurial experience of the bottom people. If you have no employees, no marriage, no assets and no savings, you need to be cautious when starting a business with loans, because you can't afford to fail, let alone start a business with loans. If you have technical blessing, you can consider starting a business. If you have nothing, what can you support? Even if you have nothing but ideas in financing, who will invest?

Yes, it is said on many websites now that the only way out for people at the bottom is to start a business, but it is easy for them to stand and talk like it's easy, fail and be in debt, and they are not the ones who are executed. If they really want to start a business, they can work first. After accumulating a certain amount of savings, you can choose to start a business, recharge your batteries in society and accumulate contacts. You should understand the rules of the industry and don't always listen to others. You're imagining, ah, yes.

You must have some savings in society before you can choose to start a business. At this time, you can borrow it or not. When you start a business with nothing, failure is an abyss, and you may never get up. You can't afford this loss.

In other words, if you don't have a good project and a good goal when you start a business, the probability of failure will be greatly increased if you find one temporarily.

Starting a business with a loan is equivalent to entering the stock market and adding leverage. Venture loans generally have policy blessing, government discount or guarantee, and bank self-operated loans should consider the operating years and operating conditions. What banks operate is risk, which shows that entrepreneurship is very risky.

According to the actual situation now, there is no need to take risks in starting a business. Maybe we should take it in. People nowadays are very distressed and blind. Explain all the hardships, practice! To bear the burden of humiliation at present is to accumulate virtue and do good! Remember that a person who is unlucky will blindly choose venture capital! When you are unlucky, you are accumulating your blessings. Don't worry. You don't report it. Not yet. Report everything then!

Is it feasible to start a business with loans

High probability is not feasible.

1. Starting a business with a loan also depends on your family situation. Bank loans have always been icing on the cake, not a timely help. If you are from a poor family and need tens of millions of loans to start a business, then the risks you face are undoubtedly relatively large. If you fail to start a business, you have to bear not only a debt, but also your family.

If you say that you are still groping in an unfamiliar field and no one guides you, it is basically doomed to lose money.

3. If you need hundreds of thousands of funds, and you are familiar with this field and have some experience, but you don't have the start-up funds, you can consider a loan.

At present, with the support of the national policy, the loan interest is also very low. However, when applying for such loans, we must pay attention to whether we and the entrepreneurial project are in line with the policy.

5. Once you consider starting a business with a loan, you should carefully choose the loan type.

Application conditions for business start-up loans:

1. When applying for a loan, the applicant (including the shareholders of the partnership) was not employed in public institutions (including supernumerary personnel) or state-owned enterprises (except employees of enterprises with overcapacity), and did not belong to those who had gone through retirement procedures;

2. When submitting a loan application, I and my spouse should have no other loans except student loans, poverty alleviation loans, housing loans, car loans, and small consumer loans of less than 50,000 yuan (including credit card consumption);

3. When applying for a loan, the applicant and the shareholders of the partnership should hold employment and entrepreneurship certificates;

4. To operate a physical store, it is required to be registered as a market entity and operate normally, and it has a clear business purpose for the loan funds to be applied; (If the applicant is a poverty-stricken person who has filed a card, if he can provide a certificate of filing a card account issued by the poverty alleviation department, he does not need to register in the market);

5. The applicant has no bad credit record;

6. If the applicant is the legal representative of the business entity, you can directly submit a loan application; If the applicant is a shareholder of the partnership, it must be authorized by the legal representative.