How SMEs are financed, and how SMEs are financed

Financing is provided in the following ways:

1.Credit-Guaranteed Loans.

2.Comprehensive credit. That is, the bank grants a certain amount of credit line for a certain period of time to some enterprises with good operating conditions and reliable credit, and the enterprises can be recycled within the validity period and quota.

3.Financial leasing. This is a new type of financing method that integrates credit, leasing and is characterized by the separation of ownership and use rights of leased objects.

4.Bill Discount Financing. It refers to the transfer of commercial paper by the noteholder to the bank to obtain the funds after deducting the discount interest.

5.Personal entrustment loans. A kind of loan that is entrusted by an individual to provide funds, and a commercial bank disburses, supervises, uses and assists in recovering on behalf of the borrower according to the loan object, purpose, amount, term, interest rate, etc. determined by the client.

Legal basis] Article 746 of the Civil Code stipulates that the rent of a financial lease contract shall, unless otherwise agreed by the parties, be determined based on most or all of the cost of purchasing the leased property and the reasonable profit of the lessor.

Relatively feasible ways to finance small and medium-sized enterprises:

1. Equity financing: usually go directly to the official website of the institution for bp delivery, if there is no reply, it means that your project does not meet the investment standards of their institution, plus offline salon activities, which are generally easy to contact in more economically developed areas, if you can't contact investor resources, you can go to some financing platforms that can directly find investors to dock, you must be self-service and can apply for a single application**docking investors, do not choose the membership system, **docking efficient chat, you can also add investors WeChat recommendation cloud docking try.

2. Creditor's rights channel: banks can obtain all kinds of corporate credit loans as long as they have good credit, all kinds of mortgage loans have similar products in major banks, and you can go directly to the bank's official website to learn about financial leasing and chain finance promoted by third-party financial institutions.

3. Policy financing: If your high-tech talents hold high-tech projects, there are now direct landing rewards for these talents and projects, and the amount of rewards is not small.

Self-raised funds include a wide range of funds, mainly owner-owned funds; venture capital funding; business operating financing funds; inter-business credit loans; loans from mutual aid institutions among small and medium-sized enterprises; As well as some social ** loans and so on. About Direct Financing. It refers to the channels for raising funds from the society in the form of bonds and **.

Indirect financing mainly includes various short-term and medium- and long-term loans. The main types of loans are mortgages, secured loans and credit loans. Different types of small and medium-sized enterprises have different financing characteristics, and of course, the requirements for financing channels and conditions are also different.

From the perspective of financing, small and medium-sized enterprises can be divided into several types, such as manufacturing, service, high-tech and community. The financing characteristics and requirements of different types of SMEs vary.

Legal basis: Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises

Article 9 The special funds for the development of small and medium-sized enterprises shall be mainly used to support the construction of the public service system and financing service system for small and medium-sized enterprises through funding, purchase of services, awards, etc.

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 principles 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 the financing environment for small and micro enterprises.

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

Article 18 The State shall improve the multi-level capital market system, promote equity financing through multiple channels, develop and regulate the bond market, and promote the use of various methods of direct financing by small and medium-sized enterprises.

1. Bank loans. Banks are the most important source of financing for enterprises. According to the nature of funds, they are divided into three categories: working capital loans, fixed asset loans and special loans.

Special loans usually have a specific purpose, and their loan interest rates are generally relatively favorable, and loans are divided into credit loans, guaranteed loans and bill discounting. Bank loans are one of the most common financing channels, but due to their high requirements for enterprise qualifications and relatively cumbersome procedures, it is often difficult for small and medium-sized enterprises in urgent need of funds to quench their thirst. 2. Financing.

**It has the characteristics of permanence, no maturity date, no need to return, and no pressure to repay principal and interest, so the financing risk is small. **The market can promote enterprises to transform their operating mechanisms and truly become legal entities and market competition entities that operate independently, are responsible for their own profits and losses, are self-developing and self-restrictive. At the same time, the market provides a broad stage for asset restructuring, optimizes the organizational structure of enterprises, and improves the integration ability of enterprises.

3. Bond financing. Corporate bonds, also known as corporate bonds, are valuable bonds issued by enterprises in accordance with legal procedures and agreed to repay principal and interest within a certain period of time, indicating that the bond issuer and the investor are in a creditor-debtor relationship. Bondholders do not participate in the operation and management of the enterprise, but have the right to recover the agreed principal and interest on schedule.

In the bankruptcy liquidation of the enterprise, the creditors have priority over the shareholders to claim the remaining property of the enterprise. Corporate bonds, like **, are both valuable and can be freely transferred. 4. Financial leasing.

Financial leasing is a combination of financing and financing, with the dual functions of finance and finance, to improve the financing efficiency of enterprises, promote and promote the technological progress of enterprises, Hesou has a very obvious role. Financial leases include outright purchase leases, sell-back leasebacks, and leveraged leases. In addition, there are various leasing forms such as the combination of leasing and compensation, the combination of leasing and processing and assembly, and the combination of leasing and underwriting.

The financial leasing business has opened up a new financing channel for the technological transformation of enterprises, adopted a new form of combining financing and financing, improved the introduction of production equipment and technology, and also saved the use of funds and improved the utilization rate of funds. In the process of development of small and medium-sized enterprises, related enterprises in order to expand and develop and better operate their own enterprises. The financing of this kind of financing can be carried out to carry out better operation, and the relevant financing needs to pay the corresponding financing interest rate to pay the legitimate interests of such financing parties, which is in line with China's economic development and economic laws.

Article 18 of the Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises stipulates that the State shall improve the multi-level capital market system, promote equity financing through multiple channels, develop and regulate the bond market, and promote the use of various methods of direct financing by small and medium-sized enterprises. Article 19 of the Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises stipulates that the State shall improve the guarantee financing system and support financial institutions to provide small and medium-sized enterprises with guaranteed financing with accounts receivable, intellectual property rights, inventory, machinery and equipment as collateral.