As far as our previous company is concerned, you should first prepare something that can show the strength of products and brands well, so that people who want to invest in you can see that you are a potential stock that can be tapped ~ The prepared content is good, the products are good, the questions that the invested company may ask need to be thought out in advance, and PPT should be exquisite ~

Everything needs careful preparation ~

Second, how do start-ups finance credit when bank loans are difficult?

You can borrow it from relatives and friends, or find someone to partner with.

Third, how to solve the problem of small and micro enterprise loans?

The corresponding measures to solve the problem are as follows:

(A) improve the information service * * * enjoy mechanism, enhance the micro-borrowing ability. On the premise of ensuring information security, accelerate the construction of information service platform for small and micro enterprises, break the "information island" and realize "one network * * * sharing" of data for small and micro enterprises. For example, we should integrate the information systems such as China People's Bank's enterprise credit information system, industrial and commercial small and micro enterprise directory system, SME credit information inquiry system of Industry and Information Technology Commission, enterprise credit data inquiry system of National Development and Reform Commission, tax payment credit system of tax bureau, water and electricity billing system, and realize cross-level and cross-regional interconnection. On the one hand, it can guide small and micro enterprises to improve their financial system, operate in good faith and abide by the law, and increase the cost of forging materials to defraud loans and subsidies; On the other hand, it can solve the problem that it is difficult for banks to obtain business data of small and micro enterprises, improve the ability of small and micro loans through real and convenient network big data support, and realize the batch issuance of credit for small and micro enterprises.

(2) Establish a multi-level financing guarantee fund to enhance the guarantee strength of small and micro enterprises. At present, a financing guarantee fund has been established at the national level, which is mainly used to solve the problems of financing difficulties and lack of collateral for small and micro enterprises, and corresponding guidance has been issued. On the premise of implementing unified business standards and management requirements, accelerate the construction of provincial and municipal guarantee systems. Local financial departments can initiate the establishment of provincial and municipal guarantee institutions, integrate the existing guarantee funds, adopt the mode of local corporate financial institutions investing in shares, and improve the provincial and municipal guarantee cooperation mechanism based on the comprehensive information service platform of small and micro enterprises, not for profit. It is necessary to improve the assessment and incentive mechanism, so that local financial institutions and corporate financial institutions can conscientiously fulfill their obligations as investors and pay the promised funds in place by stages.

Three. Strengthen the sustainable supply capacity of microfinance and improve the micro level of banking services. The regulatory authorities should urge the banks that have not yet established the inclusive finance Division to set up institutions, be fully staffed with account managers of small and micro enterprises, and actively set up community sub-branches and small and micro sub-branches that take root and serve small and micro businesses, so as to give full play to the advantages of "crowd tactics" of banks. Encourage banks to appropriately delegate the loan authority of small and micro enterprises below RMB 6,543,800,000, so as to shorten the loan approval chain of small and micro enterprises, actively innovate credit products of small and micro enterprises, flexibly set repayment methods and interest-bearing methods, increase the proportion of online application approval, realize business automation and batch processing, improve the service efficiency of small and micro enterprises, and strive to form a small and micro credit factory model. We will improve the internal incentive assessment mechanism of banks, tilt the performance assessment to the credit supply of small and micro enterprises, implement the due diligence exemption measures for credit granting of small and micro enterprises, and improve the tolerance of non-performing loans of small and micro enterprises. Based on big data and cloud computing capabilities, as well as massive transaction data and payment data accumulated by trading platforms such as Taobao and JD.COM, the new Internet bank can fully tap the credit data of small and micro enterprise customers and realize automatic loan approval.

(4) Strictly investigate the misappropriation of credit funds by banks and reduce the financing cost of small and micro enterprises. The regulatory authorities should strengthen supervision and discipline, focus on the special governance activities of crowding out credit funds of small and micro enterprises, urge the banking industry to conscientiously implement the requirements of "seven prohibitions", "four openness", "two prohibitions and two restrictions", and focus on the investigation of financial institutions with loans and deposits in the same bank and loans and wealth management products through data capture. The banking industry should establish a service supervision card and a service supervision complaint telephone number for small and micro enterprises, supervise the transfer of loans, loan fees and loan tying, and effectively use all the credit funds of small and micro enterprises for the production and operation of enterprises.

(V) Expand debt financing channels for small and micro enterprises and lower the financing threshold for small and micro enterprises. Focus on "exerting strength" from two aspects: creditor's rights and equity, and build multi-level debt financing channels. On the one hand, expand the use of financing support tools for small and micro enterprises, support banks to issue special financial bonds for small and micro enterprises, appropriately lower the threshold for issuing bonds, improve the efficiency of issuing bonds, improve the exit mechanism of venture capital and angel investment, and promote the capital formation of early small and micro enterprises; On the other hand, standardize the development of the regional equity market, encourage small and micro enterprises to go public and raise funds on the New Third Board and the Science and Technology Edition, accelerate the securitization of loan assets of small and micro enterprises, encourage qualified banks to register independently and issue in installments, and encourage banks to carry out the business of credit assets circulation and income rights transfer of small and micro enterprises that meet the requirements in Yindeng Center.

(6) Enhance the confidence of the banking industry in serving small and micro enterprises and reduce the cost for banks to dispose of non-performing loans. The disposal of non-performing loans of small and micro enterprises in the banking industry requires a lot of people and property, and the disposal cycle is relatively long. On the one hand, the regulatory authorities should allow the banking industry to dispose of non-performing loans of small and micro enterprises by market means, encourage banks to issue ABS for non-performing loans of small and micro enterprises, flexibly adopt commercial methods such as non-performing loan transfer and asset replacement, and increase the disposal of non-performing loans of small and micro enterprises; On the other hand, we should improve the public security inspection law, simplify the litigation procedure, improve the efficiency of judicial decision and execution, reasonably formulate the incidental justice of the judicial department, evaluate the charging standard, strengthen the personnel team and improve the efficiency of handling cases.