First, ensure the source of corporate repayment.
Effective repayment sources benefit from the reasonable operation of enterprises. In the process of enterprise operation, managers or owners need to pay attention to the following aspects:
1. Combine with the enterprise life cycle to improve the ability to borrow.
The life cycle of an enterprise generally refers to the whole process from birth to extinction, including four stages: development, growth, maturity and decline. Judging the level of the guarantee amount that an enterprise can obtain, according to the different life cycle of the enterprise, the guarantee amount that an enterprise applies for can be divided into: the expansion period, the stable period and the contraction period.
The stable period of quota is suitable for enterprises in the growth period. These enterprises usually develop their basic level to a higher level, which is manifested in the expansion of the market and the increase of sales revenue. Because the enterprise is in the development period, the sales income is unstable, the profit level is low, and it does not have strong repayment ability. Therefore, according to the development of the enterprise and its own characteristics, it can adjust the loan amount application in a small scope and obtain loans within its repayment ability.
Mature enterprises have relatively stable development, high sales scale and profit level, and small short-term risks. At this time, enterprises can expand the loan application amount and win more capital inflows for enterprises.
In the recession, the sales and profit levels of enterprises decline, and the industry risks increase. At this time, the enterprise should tighten the loan amount to prevent the enterprise from being unable to repay in time due to the high loan amount during bankruptcy liquidation.
In order to reduce its own compensation risk, financing guarantee institutions generally set the guarantee liability period as 1-2 years, which is less than the four stages of the enterprise life cycle. Every time an enterprise makes a secured loan, it is a process of increasing credit. Only by applying for a reasonable loan amount and ensuring timely repayment can we gradually improve the loan credit of enterprises and obtain more loan opportunities and quotas.
2. Analysis of corporate profits, improve corporate lending capacity.
In addition to the impact of life cycle on the amount of enterprise guarantee, the inherent attributes of the industry in which the enterprise is located are also very important. Different industries lead to different profit levels of enterprises, and the profit level of enterprises determines the profit size. In addition to dividing enterprises into agriculture, forestry, animal husbandry and fishery, industry, construction, wholesale, retail, transportation, warehousing, postal services, accommodation, catering, information transmission and software and information technology services,
Upgrade small and medium-sized lending capacity strategy.
The operating risk coefficient and profit level reflected by different industries are quite different. The profits of software and information technology services and real estate development are much higher than those of retail and wholesale industries. The profit levels of capital-intensive enterprises (such as financial institutions) and labor-intensive enterprises (such as food processing) are also different. Naturally, the higher the profit, the more secure the repayment source of the enterprise, the smaller the risk of default and the higher the loan amount.
3. Improve competitiveness and gain loan advantages.
Judging the amount of guarantee that an enterprise can obtain from the perspective of economic environment and industry, the industry status of an enterprise also affects whether an enterprise can obtain more guarantee amount. As we all know, leading enterprises represent the development of an industry, which is the epitome and representative of the development of this industry, and determines the prospect and future of the development of this industry to a certain extent. Enterprises in the leading position in the industry often have strong strength, competitiveness and viability, have greater advantages in market share and customer audience, have stable survival and development, and have a stable source of sales revenue. If enterprises occupy the leading position in the industry, they will have more dialogue intensity and persuasiveness when facing the guarantee demand put forward by guarantee institutions, thus winning more loan opportunities and quotas. Increasing the scale of production and sales, using new marketing methods to increase market share and focusing on the research and development of new products can all improve the competitiveness of enterprises.
4. clarify the purpose of the loan
Another important content when financing guarantee institutions conduct on-the-spot investigation on insured enterprises is to investigate the loan use of enterprise guarantee funds. According to the data of the information database submitted by the national financing guarantee institutions, the purposes of enterprise loans are divided into fixed assets loans, working capital loans and others.
Small and medium-sized enterprises should pay attention to the use of loans when deciding to carry out secured financing. The same enterprise can obtain different credit loans for different purposes when applying for financing guarantee: if the enterprise loan is used for consumption, such as buying a car, then the guarantee amount obtained by the enterprise must be lower than the guarantee application for production and operation (purchasing production machine tools). The enterprise's working capital loan should be applied to the business activities related to the enterprise, so as to give full play to the expected benefits of the funds and improve the application probability of the enterprise's due repayment.
After the enterprise obtains the loan from the bank, it will use the funds for the operation and production of the enterprise, so as to obtain new capital inflows and ensure the source of repayment. Enterprises form a virtuous circle again and again, and a clear loan purpose helps enterprises to obtain loan funds accurately and efficiently.
5. Show the strength of affiliated enterprises.
In actual production and operation, upstream and downstream enterprises in the same industrial chain usually choose "* * * joint guarantee" to strive for more credit loans from guarantee institutions. After successfully obtaining bank funds, if an enterprise fails to repay on time due to poor management, the rest of the enterprises with joint guarantee will lend a helping hand to help it tide over the difficulties. Therefore, it is also an effective way for enterprises to obtain more guarantee amount by moderately showing the strength of affiliated enterprises to guarantee institutions and jointly guaranteeing by upstream and downstream enterprises. However, enterprises need to pay attention to the fact that when selecting and selecting "* * * joint guarantee", it is necessary to conduct a thorough investigation on the operating conditions and credit degree of loan partner enterprises to prevent the possibility that one enterprise's repayment difficulties will lead to its own credit reduction.
Second, increase the total assets and increase the guarantee chips.
There is a linear relationship between the insured amount of enterprises in Beijing and the total assets of enterprises themselves. The greater the total assets of an enterprise, the higher the assets owned by the enterprise, the stronger the repayment ability and the higher the natural loan amount. In order to increase the amount of secured loans, small and medium-sized enterprises should increase the total assets of enterprises in a timely and appropriate manner and make full use of assets to achieve the purpose of improving asset utilization.
1. Appropriate capital increase
An enterprise's capital increase is an act to expand its business scale, broaden its business fields, improve its credit level and increase its registered capital according to law. By increasing capital, enterprises can raise more working capital, while maintaining the existing working capital, reduce the distribution of shareholders' income, adjust the shareholder structure and shareholding ratio, optimize the management structure of enterprises, improve the company's credit, obtain legal qualifications, and enable enterprises to obtain higher benefits.
2. Manage assets reasonably and improve the turnover rate of total assets.
Total assets turnover rate = sales revenue/average total assets in a certain period, which is an important index to evaluate the operation quality and utilization efficiency of all assets of an enterprise.
The total assets turnover rate plays an important role in the financial analysis index system. The high turnover rate of total assets of small and medium-sized enterprises means that the market share of enterprises is high. The rational use of asset turnover rate by enterprises can promote enterprises to tap their potential, increase income and improve asset utilization efficiency.
Generally speaking, the higher the total asset turnover rate of an enterprise, the faster the total asset turnover rate of an enterprise, the stronger its sales ability and the higher its asset utilization efficiency.
If small and medium-sized enterprises want to gain a higher market position, they must improve their asset turnover rate. The so-called survival of the fittest, as long as you get a place in the occupied market, you can open up sales as soon as possible and win more profits. The optimal state of the development of small and medium-sized enterprises is that the asset scale is compatible with the business scale, and enterprises should strive to improve the effect of asset use and improve their market position.
With the promotion of market position, the market share of enterprises will also increase, and the higher the economic benefits of enterprises, the stronger the repayment ability. Improving the asset turnover rate of enterprises is an inevitable measure to improve economic benefits. Enterprise assets must first ensure the production and operation of the enterprise, use funds correctly and reasonably, arrange properly and have a reasonable structure, so that the original assets can be used to increase unit output, improve technology and reduce costs.
Under the existing production scale of the enterprise, improving the asset turnover rate is equivalent to saving the unit capital consumption, and the funds saved by improving the turnover rate will continue to participate in the new production links of the enterprise. Therefore, the more capital turnover times, the faster turnover speed, the higher economic benefits, and the more productive efficiency of enterprises can be improved. Enterprise funds are transferred once a week, which means that funds start in the form of money, go through three links of supply, production and sales, and end in the form of money, completing a cycle. Improve the asset turnover rate, so that enterprise funds can realize effective and rapid appreciation in the process of experiencing money, physical objects and money.
3. Revitalize assets in time to increase sales revenue.
If the turnover rate of total assets of an enterprise is at a low level for a long time, the enterprise should actively take measures to improve the utilization efficiency of various assets, revitalize assets in time, reduce the idleness of vacant assets, increase sales revenue, reduce expenses and costs, and enhance the profits of the enterprise, thus increasing the amount of secured loans of the enterprise.
Promote the ability to borrow, invest and start a business.
Because of the strong innovation and high turnover rate, it is necessary for enterprises to open up sales channels and increase sales revenue in a short time. Enterprises regularly take stock of assets and liabilities, understand the asset allocation of enterprises and classify them reasonably. Feasible disposal suggestions should be put forward as soon as possible for long-term idle assets, and those that have development value and cannot be rented should be disposed of and realized in time. At the same time, the lease contract and rental income should be adjusted in time considering market changes. Enterprises should carefully analyze the subjective and objective factors affecting income and expenses, analyze the reasonable degree of liabilities, and strive to maximize asset revitalization, business expansion, income increase, expense reduction and income increase.
Third, build a strong credit enterprise.
1. Enterprises should maintain sufficient consciousness, operate independently and honestly, and be open and honest. In production and life, carry out production and business activities in accordance with relevant laws and regulations, and consciously accept the supervision and management of relevant departments such as industrial and commercial administration. In accordance with the requirements of the relevant provisions of the tax law, pay taxes on time, so as not to default or make false reports. Small and medium-sized enterprises participating in foreign trade and economic cooperation should strictly abide by the laws and regulations of the state on foreign exchange management and customs management, strictly control commodities and goods, and do not smuggle or violate the law.
2. Enterprises shall establish accounts according to law and conduct accounting in strict accordance with the provisions of the unified national accounting system. Attach importance to enterprise financial management, establish internal management rules and regulations, and establish financial budget and final accounts system in time. Focus on cash flow management, strictly implement the budget management system in many aspects of enterprise production, supply and sales, reduce the existence of off-budget funds, ensure the unit utilization rate and output rate of funds as much as possible, repay bank loans in time according to loan contracts, and maintain the enterprise's own trustworthy image.
3. Enterprises should strengthen product quality management, adhere to quality first, customer first, regard product quality as the life of enterprises, strictly control quality from the processes of design, research and development, mass production and sales, and require employees in production departments to produce products in strict accordance with production standards to ensure product quality.