In the face of difficult and expensive financing for SMEs, 中小企貸款relevant departments frequently reduce taxes and fees and give policy support to enterprise loans to help SMEs operate smoothly. Many policies support SME loans. Why do some enterprises still have difficulty in getting loans?
Small and medium-sized enterprises can not get a loan is私人貸款利息 caused by the analysis of the reasons for many problems, although China's small and medium-sized enterprises in recent years to carry out loans under the policy support to achieve rapid and healthy economic development, but in practice, the level of financial products and services for small and medium-sized enterprises there are still many explicit and hidden barriers. This has both banks and corporate culture for their own reasons.
Banks.
1. strict approval, complex process, slow entry
Banks are very strict in approving loans for MSMEs and 延期年金must provide information as required. Missing items will affect the efficiency of loan approval and approval rate.
2. Risk control
State-owned banks must control risks. Most of the banks in China are state-owned enterprises with very strict financial risk control, if the repayment rate is too high, it will affect the normal operation of the bank.
Enterprises.
1, financial management chaos
The development of small, medium and micro enterprises may have financial risk management accounting system is not standardized.
Banks are unable to clearly know the real business management as well as the debt status of the enterprise, it is difficult to predict the current problems of the enterprise as well as social development through analysis, and they are not willing to provide loans to these technical enterprise employees.
2、Few fixed assets
Small and medium-sized enterprises fixed assets, or even no fixed assets. Therefore, many small and medium-sized enterprise loans, often go to the operator with personal assets mortgage to obtain loans
3, risk resistance is weak
Small and medium-sized enterprises are relatively small, with poor operational stability and poor ability to withstand market risks. In order to control risks, banks require enterprises to provide strong collateral as a prerequisite for loans, but MSMEs are often rejected by banks because they cannot provide collateral according to their needs.
4、Have bad records
One of the following circumstances shall not provide low-interest loan transfer support: abnormal production and operation, suspended production, semi- suspended production; defaulted wages, pending economic disputes, major violations of law or other bad credit records; default list.
So be sure to note that the enterprise is not listed in the bad credit record and the corporate person does not have too many bad credit loan records.
Small and medium-sized micro enterprises have a large number of employees, a wide range of business activities, the heterogeneity of the main body of enterprise management, the diversity of financing needs, facing some of the problems of the differences, Shanghai Qianzhi financial products information system service capacity limited liability company since its inception, has been committed to solving China's small and medium-sized micro enterprises financing difficulties, financing expensive problems, through the use of the Internet model of innovation and technology innovation constantly, for each Large and medium-sized micro and small business community to provide one-stop financing way solutions, corporate culture can effectively combine their actual work to choose the right type, according to the bank requirements to prepare information to improve the rate of passing the application for loans.
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