What are the channels of financing small and medium-sized enterprises

A, small and medium-sized enterprise financing channels?

Enterprise financing is relatively feasible path:

1, the debt channel: the bank to get all kinds of legal person credit loans as long as the credit is good can be loan, all kinds of mortgage major banks have similar products can go directly to the bank's official website to understand the third-party financial institutions to push the financial leasing, supply chain finance can go to understand.

5, equity financing: usually directly to the organization's official website for BP delivery, if there is no reply means that your project is not up to the standard of their institutions, or to participate in offline salon activities, but this is generally in the more economically developed regions, if there is no investor resources can go to our financing platform to find investors to communicate.

Two, what are the channels for SME loans?

Small and medium-sized enterprise loans in general are divided into mortgage and. And subdivided into the following ways: small and medium-sized enterprise loan way a, comprehensive credit that is, some good business conditions, credit reliable enterprises, granted a certain amount of credit line within a certain period of time, the enterprise in the validity of the period with the scope of the line of credit can be used on a recurring basis. The comprehensive credit line is approved by the bank in one go after a one-time declaration of the relevant materials by the enterprise. Enterprises can use the money in installments according to their own operating conditions and repay as they borrow, which makes it very convenient for enterprises to borrow money and saves the cost of loans at the same time. Banks use this way to provide loans, generally for business registration, annual inspection, management, reliable credit, with the bank has a longer-term cooperative relationship with the enterprise. SME Loans II, Credit Guarantee Loans Currently, more than 100 cities in 31 provinces and municipalities have established SME credit guarantee organizations. Most of these institutions implement the form of membership management, belonging to the public **** service, industry self-regulation, their own non-profit organizations. The source of the guarantee fund is generally made up of financial allocations from the local government, voluntary membership funds paid by members, funds raised by the community, funds from commercial banks and other components. When member enterprises borrow from banks, they can be guaranteed by SME guarantee organizations. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When enterprises cannot provide guarantee measures acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these difficulties. This is because guarantee companies are more flexible in their collateral requirements compared to banks. Of course, in order to protect their own interests, guarantee companies will often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will also send staff to enterprises to monitor the flow of funds. Small and medium-sized enterprise loan mode three, project development loan some high-tech small and medium-sized enterprises with significant value of scientific and technological achievements transformation project, the initial amount of capital investment is relatively large, the enterprise's own capital is difficult to bear, you can apply for a project development loan from the bank. Commercial banks have mature technology and good market prospects for high-tech products or patented projects of small and medium-sized enterprises and the use of high-tech achievements for technological transformation of small and medium-sized enterprises, will give active credit support to promote enterprises to speed up the transformation of scientific and technological achievements. For high-tech SMEs that have established stable project development relationships with institutions of higher learning and scientific research institutes or have their own research departments, banks can also handle project development loans in addition to providing working capital loans. SME loans, natural person guarantee loan in August 2002, the Industrial and Commercial Bank of China took the lead in launching a natural person guarantee loan business, the future of the Industrial and Commercial Bank of China's domestic institutions, for small and medium-sized enterprises for a period of 3 years or less when the credit business, can be provided by a natural person to provide property guarantees and bear the responsibility of repayment. The natural person guarantee can be in the form of mortgage, pledge of rights or mortgage plus guarantee. The property that can be mortgaged includes individually owned property, land use rights and means of transportation. Personal property that can be pledged includes savings certificates of deposit, certificated treasury bonds and registered financial bonds. Mortgage plus guarantee refers to a joint and several liability guarantee of the mortgagor on top of the property mortgage. If the borrower fails to repay all the loan principal and interest on time or other defaults occur, the bank will require the guarantor to fulfill the guarantee obligation. SME loans five, personal entrusted loans China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other commercial banks have launched a new variety of loan business - personal entrusted loans. That is, by the individual entrusted to provide funds, by the commercial banks in accordance with the principal to determine the object of the loan, the purpose, amount, duration, interest rate, etc., on behalf of the issuance, supervision, use and assist in the recovery of a loan. The basic procedure for personal entrusted loan is: 1. the principal to the bank to put forward the application for lending. 2. the bank according to the conditions and requirements of the two sides to select the matching, and respectively to the commissioner and the borrower to promote. 3. the principal and the borrower to meet with the two sides directly, on the specific matters and details such as the amount of money borrowed, the interest rate, the loan period, the mode of repayment, etc., and make a decision to negotiate. 4. the borrower and lender to talk about the requirements and conditions, and then go to the bank together and help to recover the loan. After the requirements of the conditions, together to the bank and signed with the bank entrusted agreement. 5. The bank of the borrower's creditworthiness and repayment ability to investigate and issue an investigation report, and then the borrower and the borrower to sign a loan contract and the bank approved the issuance of loans. SME loan method six, bill discount loan bill discount loan, refers to the bill holder will be commercial paper transfer to the bank, obtain the funds after deducting the discount interest. In China, commercial paper mainly refers to banker's acceptances and commercial acceptances. One of the benefits of this type of loan is that banks do not lend money according to the size of the enterprise's assets, but rather on the basis of market conditions (sales contracts). Enterprises receive the note to the date of maturity of the note is often less than a few dozen days, more than 300 days, the funds in this period of time in an idle state. If the enterprise can make full use of the bill discounting loan, far more than applying for a loan procedures are simple, and the cost of the loan is very low. Discounted bills only need to bring the appropriate bills to the bank for the relevant procedures can be, generally within 3 business days can be done, for the enterprise, this is "tomorrow's money to earn the day after tomorrow's money", this loan is worth small and medium-sized enterprises to make extensive and active use of. Small and medium-sized enterprise loan mode seven, pawn loan pawn is in kind as collateral, in the form of transfer of ownership in kind to obtain a temporary loan of a loan mode. Compared with the bank loan, pawn loan cost is high, the loan scale is small, but pawn also has the advantages of bank loans can not be compared. First of all, compared with the bank on the borrower's credit conditions nearly harsh requirements, pawnbrokers on the customer's credit requirements are almost zero, pawnbrokers only focus on whether the pawned goods are real. And general commercial banks only do real estate mortgage, while pawnbrokers can be movable and real estate pledge both for. Small and medium-sized enterprise loan method eight, intellectual property rights intellectual property rights refers to the legal ownership of patent rights, trademark rights, copyright in the property rights assessed to the bank to apply for small and medium-sized enterprise financing. Due to the special nature of the implementation and realization of intellectual property rights such as patent rights, at present, only a very small number of banks provide this SME financing facility to some SMEs, and it is generally required to be insured by the legal representative of the enterprise. Nevertheless, those who have independent intellectual property rights of the outstanding SMEs can still try

Three, SMEs loan what channels

1, upstream and downstream channels: small businesses can be upstream and downstream from the industrial chain to look for lending opportunities, if it is a well-known brand of automobile dealers, the enterprise can rely on the upstream manufacturer's credit and guarantee to go to the loan, if it is a leading enterprise to find a loan opportunity. If it is a material supplier of a leading enterprise, it can also use the order to go to the bank for order pledge.

2, policy: now the state is vigorously supporting small and medium-sized enterprises, one after another launched a lot of preferential policies. Small Business Bureau, the Trade and Industry Bureau will usually have more complete bank credit information, some departments will introduce enterprises to join a joint bank loan program, some will be set up through the establishment of guarantee agencies to provide security for small business loans.

3, financial institutions: you can get loan information from all kinds of commercial institutions, to the development of parks or science and technology parks in the development zone management committees, chambers of commerce and industry associations and other information on the loan, some commercial institutions will also be set up with the bank to set up a joint loan program, by the commercial institutions to provide guarantees for small business loans under its terms.

4, local channels: if the county industrial clusters or a member of the local advantages and characteristics of the industry, the enterprise can also rely on the advantages of the relevant enterprises to apply for loan varieties such as joint guarantee loans.