First of all, it depends on how your business project is. If you are sure to make a profit and need funds, you can take out a loan. If you have the hope of profit but are not sure, you can borrow some money, and you can make additional investment (or additional loans) if the prospects are good; If you don't feel the profitability of the project, then don't do this business.

Accustomed to the financial habit of saving, at least for now, most people are still reluctant to borrow money. This is a habit of thinking that has been passed down for many years. They always feel that it is practical to spend their own money, and it is not practical to owe money to others, even to the bank. In recent years, internet finance has made loans like a scourge, and many people have linked loans with usury, so that it is not uncommon to be discouraged from loans.

In fact, the public can't completely blame everyone for not knowing enough. It has always been difficult for banks to lend to small and medium-sized enterprises, especially small and micro enterprises. When these enterprises are short of money, they can only find private loans with higher interest rates or even usury. Using this high-interest loan, the interest is higher than the profit, which is a high probability event. The original enterprise only lacked liquidity in stages, but it was dragged to death by high interest rates because of usury. This situation is so common that many people have equated loans with usury, and the corresponding reluctance to lend can be understood ~