What are the ways to improve the financing capabilities of enterprises? What methods can be used to improve the financing capabilities of small and medium-sized enterprises? The following is the guide shared by the editor to improve the financing capabilities of enterprises. For more entrepreneurial guidance, please pay attention to the Xueyou Student Entrepreneurship Network.

1. Guarantee the source of corporate repayment

Effective repayment sources benefit from the reasonable operation of the enterprise. During the operation of the enterprise, managers or owners need to pay attention to the following aspects: :

1. Improve corporate financing capabilities by combining the enterprise life cycle

The enterprise life cycle generally refers to the entire process of an enterprise from its birth to its demise, including development, growth, maturity, and decline. 4 stages. To judge the level of guarantee amount that an enterprise can obtain, the guarantee amount applied for by the enterprise can be divided into: quota expansion period, quota stable period, and quota contraction period according to the different life cycles of the enterprise.

The quota plateau period is suitable for enterprises in the development and growth stage. They usually develop their basic level towards higher-level goals, which is reflected in the expansion of the market and the increase in sales revenue. Since the company is in the development stage, its sales revenue is unstable, its profit level is low, and it does not have strong repayment ability. Therefore, according to the company's development situation and its own characteristics, the loan limit application can be adjusted within a small range to obtain a loan that meets its own repayment ability. loans within the scope.

Enterprises in the mature stage have relatively stable development, higher sales scale and profit levels, and smaller short-term risks. At this time, the enterprise can expand the loan application amount to obtain more capital inflows for the enterprise.

In the recession period, the sales and profit levels of enterprises decline, and industry risks increase. At this time, enterprises should tighten their loan quotas to prevent the failure of timely repayment due to excessive loan amounts, which may lead to the bankruptcy and liquidation of the enterprise.

In order to reduce their own compensation risks, financing guarantee institutions generally set the guarantee liability period to 1-2 years, which is shorter than the four stages of the enterprise's life cycle. Every time an enterprise makes a secured loan, it is a process of increasing its credit. Only by applying for a reasonable loan amount and ensuring timely repayment can the enterprise's loan creditworthiness be gradually increased and more loan opportunities and amounts obtained.

2. Analyze corporate profit levels and increase corporate loan capabilities

In addition to the impact of the life cycle on the amount of corporate guarantees, the inherent attributes of the industry in which the company is located are also important. Different industries lead to different levels of corporate profitability, and the corporate profitability determines the size of profits. In addition to classifying enterprises into "agriculture, forestry, animal husbandry and fishery", "industry", "construction industry", "wholesale industry", "retail industry", "transportation industry", "warehousing industry", and "postal industry", "Accommodation industry", "Catering industry", "Information transmission industry", "Software and information technology service industry", "Real estate development and operation", "Property management", "Leasing and business service industry", "Other unspecified industries" "In addition to other industries, enterprises can also be divided into technology-intensive, capital-intensive, labor-intensive and composite enterprises.

Strategies for improving the financing capabilities of small and medium-sized enterprises. Strategies for improving the financing capabilities of small and medium-sized enterprises

Different industries in which enterprises belong have greatly different operating risk coefficients and profitability levels. Corporate profits in software and information technology services and real estate development are much higher than those in retail, wholesale and other industries. Capital-intensive enterprises (such as financial institutions) and labor-intensive enterprises (such as food processing) also have different profit levels. Naturally, the more profitable the industry, the more secure the company's repayment source, the smaller the risk of default, and the higher the loan amount it can obtain.

3. Increase competitiveness and obtain loan advantages

In addition to judging the size of the guarantee amount that an enterprise can obtain from the perspective of the economic environment and industry, the industry status of the enterprise also affects Whether the company can obtain more guarantee amounts. As we all know, leading enterprises represent the development status of a certain industry and are the epitome and representative of the development of the industry. To some extent, they determine the prospects and future of the development of the industry. Enterprises that are industry leaders often have strong strength, competitiveness, and viability. They have great advantages in market share and customer audience, have stable survival and development, and have stable sources of sales revenue. If a company occupies a leading position in the industry, it will have greater dialogue intensity and persuasiveness when facing guarantee requirements from guarantee institutions, and thus be able to win more loan opportunities and amounts. Increasing the company's production and sales scale, using new marketing methods to increase market share, and focusing on the research and development of new products can all improve the company's competitiveness.

4. Clarify the purpose of the loan

Another important part of the on-site investigation of the insured enterprise by the financing guarantee agency is to examine the enterprise's loan purpose of the guaranteed funds. Data from the National Financing Guarantee Agency Information Submission Database shows that corporate loan purposes are divided into fixed asset loans, working capital loans and others.

When deciding to obtain guaranteed financing, small, medium and micro enterprises should pay attention to the purpose of the loan. For the same company applying for financing guarantee, the loan amount will be different for different loan purposes: if the corporate loan is used for consumption, such as buying a car, then the guarantee amount obtained by the company must be lower than if it is used for production and operation (purchasing machine tools for production). ) is a guarantee application for loan purposes. The working capital loan of the enterprise should be used for business activities related to the enterprise to give full play to the expected benefits of the funds and increase the probability of the enterprise's application for repayment when due.

After the enterprise obtains a loan from the bank, it uses the funds for business operations and production, thereby obtaining new capital inflows and thus ensuring the source of repayment. Enterprises form a virtuous cycle over and over again, and clear loan purposes help enterprises 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 industry chain usually choose "*** joint guarantee" to win more guarantees from guarantee institutions. Much credit is lent. After successfully obtaining bank funds, if a company cannot repay the loan on time due to poor management, other companies with joint guarantees will lend a helping hand to help it tide over the difficulties. Therefore, appropriately demonstrating the strength of affiliated enterprises to guarantee institutions and uniting upstream and downstream enterprises to provide joint guarantees are also effective ways for enterprises to obtain more guarantee amounts. However, companies need to pay attention to the fact that when choosing and being selected for "*** joint guarantee", they need to conduct an in-depth investigation of the operating conditions and creditworthiness of the loan partner companies to prevent a certain company from having difficulty repaying the loan and causing its own credit to be reduced. possible.

2. Increase total assets and increase guarantee chips

The insured amount of enterprises in Beijing has a linear relationship with the total assets of the enterprise itself. The larger the total assets of the company, the higher the assets it owns and the stronger its repayment ability, and the higher the natural loan limit. In order to increase the amount of guaranteed loans, small, medium and micro enterprises should increase the total assets of the enterprise in an appropriate amount in a timely manner and make full use of assets to achieve the purpose of improving asset utilization.

1. Appropriate capital increase

The capital increase of an enterprise is an act of increasing the registered capital in accordance with the law in order to expand the scale of operation, broaden the business, and improve the creditworthiness of the enterprise. Through capital increase, the company can raise more operating funds, reduce shareholder income distribution while maintaining existing operating funds, adjust the shareholder structure and shareholding ratio to optimize the company's management structure, improve the company's credit, obtain legal qualifications, and allow the company to obtain more High benefits.

2. Properly manage assets to increase total asset turnover rate

Total asset turnover rate = sales revenue/average total assets within a certain period of time. This indicator is used to evaluate the entire asset management of the company. Important indicators of quality and utilization efficiency.

The total asset turnover rate plays an important role in the financial analysis indicator system. A high total asset turnover rate for small and medium-sized enterprises represents a high market share of the enterprise. The rational use of the asset turnover rate by the enterprise can promote the enterprise to tap its potential and increase revenue generation. , Improve asset utilization efficiency.

Generally, the higher the total asset turnover rate of a company, the faster the company's total asset turnover, the stronger its sales capabilities, 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. As the saying goes, survival of the fittest means that by occupying the market and gaining a place, you can open up sales channels as early as possible and win more profits. The optimal state for the development of small and medium-sized enterprises is that their asset scale matches the scale of operations. Therefore, enterprises should work hard to improve the effectiveness of asset use and improve their market position.

As the market position improves, the company's market share will also increase. Subsequently, the company's economic benefits will be higher and its repayment ability will be stronger. Increasing the company's asset turnover rate is the key to improving the economy. inevitable measure for efficiency. Enterprise assets must first ensure the production and operation of the enterprise, use funds correctly and rationally, arrange them properly, and have a reasonable structure. Then the original assets can be used to increase unit production, improve technology, and reduce costs.

Under the existing production scale of the enterprise, increasing the asset turnover rate is equivalent to the unit usage of saved funds. The saved funds generated by the increase in turnover rate will continue to participate in the new production links of the enterprise. It can be seen from this that , the greater the number of capital turnovers, the faster the turnover speed, the higher the economic benefits it brings, and the more it can improve the production efficiency of the enterprise. Corporate funds are transferred once a week, which means that the funds start in the form of currency, go through the three links of supply, production and marketing, and end in the form of currency to complete a cycle. Improving the asset turnover rate will enable corporate funds to achieve effective and rapid value-added in the process of experiencing currency, physical objects, and currencies.

3. Revitalize assets in a timely manner and increase sales revenue.

If the total asset turnover rate 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, activate assets in a timely manner, reduce the idleness of vacant assets, increase sales revenue, and reduce Expense costs, increase corporate profits, thereby increasing corporate guaranteed loan amounts.

Strategies for improving corporate financing capabilities and investing in entrepreneurship

Because companies are highly innovative and have a high turnover rate, they need to open up sales in a short period of time and increase sales revenue. Enterprises regularly take inventory of assets and liability accounts to understand the status of enterprise asset allocation and make reasonable classifications. Feasibility advice on how to dispose of assets that have been idle for a long time must be provided as soon as possible. Those with development value must be developed in a timely manner. Those with no development value and cannot be leased must be disposed of and realized in a timely manner. At the same time, the lease of leased assets must be adjusted in a timely manner considering market changes. Contracts and rental income; enterprises must carefully analyze various subjective and objective factors that affect income and expenses, analyze the reasonableness of liabilities, and strive to maximize asset revitalization, business amplification, increase income, reduce expenses, and increase profits.

3. Build a strong credit enterprise

1. Enterprises must maintain sufficient consciousness, independently operate with integrity and be open and honest.

In production and life, we 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 relevant regulations of the tax law, pay taxes on time and ensure that there is no arrears or false declarations. Small and medium-sized enterprises involved in foreign economic and trade business must strictly abide by the laws and regulations of national foreign exchange management and customs management, strictly control goods and goods, and ensure that they do not smuggle or break the law.

2. Enterprises must establish accounts in accordance with the law and conduct accounting in strict accordance with the unified national accounting system. Pay attention to corporate financial management, establish internal management charter, and establish appropriate financial budget and final accounting systems in a timely manner. Taking cash flow as the focus of management, strictly implement the budget management system in the production, supply and sales links of the enterprise, reduce the existence of unbudgeted funds, and ensure the unit utilization rate and output rate of funds as much as possible. Based on the loan contract, Repay bank loans in a timely manner and maintain the company's own trustworthy image.

3. Enterprises must strengthen product quality management, adhere to quality first, strive to support users first, regard product quality as the life of the enterprise, and strictly control quality from design, research and development, mass production, sales and other processes. Employees in the production department are required to produce products in strict accordance with production standards to ensure product quality.