What Are The Misunderstanding Of Financing Of Private Enterprises?

enterprise SME financing It is a key link in the process of enterprise development. Private enterprise To achieve long-term development, there must be a clear long-term development strategy. Enterprise capital operation strategy must be put into consideration in the long-term development strategy of enterprises, and from inside to outside, create a business pattern that capital is willing to flow into the enterprise. Many private enterprises regard the financing of SMEs as a short-term behavior in the development process. They hope to get a loan or equity financing of small and medium enterprises, but there is little chance of success. In order to change the financing difficulty of small and medium-sized enterprises, the author thinks that it is necessary to get out the financing of small and medium-sized enterprises. misunderstanding 。

First, excessive packaging or non packaging.

Some private enterprises, in order to raise funds for small and medium-sized enterprises, whitewash financial statements or even fake products at all costs, and financial data are divorced from the basic operating conditions of enterprises. Some private enterprises think that their business efficiency is good. It is very easy to obtain financing for small and medium-sized enterprises. They do not want to spend time and energy on packaging enterprises. They do not know that the capital side pays more attention not only to the short-term profits of enterprises, but also to the long-term development prospects of enterprises and the risks faced by enterprises.

Two, the lack of long-term planning, temporary cramming

Most private enterprises only think of financing for small and medium-sized enterprises when they face financial difficulties. They do not understand the nature of capital. The nature of capital is profit seeking, not emergency, not charity. In the normal operation, the enterprises should consider the financing strategies of small and medium enterprises and establish extensive contacts with the funds.

Three, eager to get funds, ignoring internal consolidation

Small and medium enterprises run by private enterprises only want money when they are financing, and some basic work is not done in time. Before the financing of small and medium-sized enterprises in private enterprises, we should first comb the enterprises, clarify the relationship between property rights, assets ownership and related enterprises, and clearly display the business and company business in front of investors, so that investors can rest assured.

Four, small and medium-sized enterprises have limited financing vision, only to see bank loans or equity SMEs financing.

There are many ways for SME financing, not only for bank loans and equity SMEs, but also for leasing, guarantee, cooperation, merger and acquisition.

Five, only recognize money, do not recognize people.

Private enterprises are eager to raise funds for small and medium-sized enterprises. In addition to funds, small and medium enterprises in private enterprises should also consider whether investors are helpful to enterprises in terms of business operation and enterprise development. {page_break}

Six, only want SME financing, do not want enterprises to standardize.

SME financing is the process of enterprise growth, and also the process of standardization. In the financing process of SMEs, private enterprises should continuously promote the standardization of enterprises and enhance the financing capacity of SMEs through the standardization of enterprises.

Seven, only expand, do not shape corporate culture.

Private enterprises in the SME financing process, only enterprise expansion, not to shape the corporate culture, and ultimately lead to the scale of enterprises bigger, but the enterprise has lost the original cohesion, enterprise groups or internal departments or departments lack common values, there is no synergy.

Eight, only expand, do not establish a reasonable corporate governance structure.

Many private enterprises continue to expand through SME financing, but business management is becoming more extensive and loose. With the expansion of enterprises, enterprises should constantly improve the corporate governance structure, so that the company's decision-making can go on a standardized and scientific way, and avoid the risks of enterprise expansion process through standardized decision-making and management.

Nine, underestimate the financing difficulties of SMEs, and mistakenly believe that only their own small circle can get the funds.

Some private enterprises often underestimate the difficulty of financing for small and medium-sized enterprises, and expect too much of the individual funds in front of them.

Ten, unwilling to spend money on professional SME financing advisors.

Private enterprises have strong financing intentions for small and medium-sized enterprises, but few people really understand the financing of SMEs. They always want to make a phone call. Investors invest capital in enterprises, simplify the financing of small and medium-sized enterprises, and do not want to spend money to hire professional SME financing consultants. There are also many people who believe that small and medium-sized enterprises need to write a business plan for financing. They can easily find an organization or an individual or even a student to write a book, regardless of whether he has experience in financing small and medium-sized enterprises and financing channels for small and medium-sized enterprises, so long as the price is low. SME financing is very professional. Small and medium enterprises financing consultants should have rich experience in financing small and medium-sized enterprises, a wide range of financing channels for SMEs, have a full understanding and understanding of capital markets and investors, and have strong professional planning ability. They should consider all kinds of problems encountered in the financing process of SMEs and the ways to solve them.