1. Can p2p financing solve the funding problem of small and micro enterprises?

Can p2p financing solve the funding problem of small and micro enterprises? No financing model can solve the funding problem of small and micro enterprises. , it can only be said that because small and micro enterprises cannot obtain loans from banks, they can only go to P2P. If there is an additional financing channel, it is possible to save the enterprise. This is also the main purpose of the country's current policy of laissez-faire on P2P. Generally speaking, it can Solve the problem of financing difficulties for some small and micro enterprises. After all, financing depends on the development potential of the enterprise and whether it can develop. Otherwise, who would dare to lend to you

How can small and micro enterprises successfully finance using P2P online loans? P2P platforms are intermediary service platforms, and companies can borrow through mortgage loans. If small businesses raise funds through establishing a P2P platform, it is illegal.

How to solve the financing problem of small and micro enterprises? Find local banks, which all have special credit support for small and medium-sized enterprise financing. The "four major banks" cannot see that small interest income.

Banks are afraid of bad debts, and P2P is unreliable. How to break the financing of small and micro enterprises. The emergence of P2P solves the problem of financing difficulties for micro enterprises, but you have to combine the conditions for P2P lending. As long as you meet the conditions, banks will also If you want to save money, come to Zhongyidai! 14.4, 15-90 days, the threshold is low, the minimum investment is 20, and the operation is simple.

Are P2P loans suitable for small and micro businesses? If you own a small business, there is no doubt that it will be difficult for you to get a loan from a bank. However, there are other ways to obtain small business financing. So far, peer-to-peer lending companies have emerged as reliable intermediaries for small businesses seeking alternatives to credit cards and high-priced cash advances from merchants, even as these pricey financing options have gained widespread popularity. P2P lending has grown rapidly in a short period of time. It started as a platform to help individual investors provide loans to small and medium-sized enterprises. In order to obtain a healthy and safe rate of return after the 2008 financial crisis, P2P lending has now attracted the attention of many global financial tycoons.

How does the country solve the problem of financing difficulties and expensive financing for small, medium and micro enterprises? Banks: lower the benchmark loan interest rate and increase the flow of social funds. On the corporate side: Pilot financial reforms to allow idle private capital to flow, including private capital management companies and companies. Securities market: Lowering the threshold for companies that want to be listed, etc.

How to solve the financing problems of small and micro technology-based enterprises? In view of the characteristics of high-tech small and micro enterprises, such as high technological content, light assets, and lack of collateral, Jiangsu Agricultural Bank of China has specially developed a series of products such as intellectual property rights, unlisted company equity, scientific research real estate, and individual shareholder guaranteed loans, which truly solve the problems of small and micro technology-based enterprises. Financing problems for micro-enterprises. 1. Features of the exclusive products of Science and Technology Branch: First, it lowers the credit access threshold. There are no rigid requirements for financial indicators such as assets, sales, and profits of technology-based small and micro enterprises. The second is to highlight the value of intangible assets. Agricultural Bank of China innovates and promotes intangible assets, including intellectual property rights, equity, accounts receivable and other products. The third is to innovate the credit loan method. Credit products including shareholder credit guarantee loans, order financing, and credit loans have been launched. Fourth, the business process is simplified. In view of the "short-term, small, frequent and urgent" financing characteristics of technologically innovative small and medium-sized enterprises, on the basis of complete information, the operation of specialized credit products of the Science and Technology Branch of the Agricultural Bank of China is generally completed within 5 working days. 2. Introduction to main products (1) Intellectual property rights. 1. Applicable objects: Technology-based small and medium-sized enterprises with intellectual property rights, standardized management, and product technology with high market competitiveness in the industry. 2. Processing conditions: Intellectual property rights have corresponding value after being evaluated by a third party and can be pledged; the existing validity period of invention patents shall not be less than 8 years, and the existing validity period of utility models shall not be less than 4 years. 3. Loan amount: A loan amount that does not exceed 30% of the appraised value can be granted, with a maximum of 10 million yuan. (2) Equity of unlisted companies. 1. Applicable objects: small and medium-sized technology enterprises with clear ownership structures and standardized management. 2. Processing conditions: Part or all of the equity can be pledged and has corresponding value after evaluation by a third party.

3. Loan amount: A loan amount that does not exceed 50% of the assessed value of the pledged part can be issued, with a maximum of 10 million yuan. (3) Shareholder credit guarantee loan. 1. Applicable objects: Technology-based small and medium-sized enterprises with clear ownership structures and standardized management. The shareholders and management have good credit and have good professional or entrepreneurial backgrounds. 2. Processing conditions: Shareholders must contribute cash in the process of establishing the enterprise. 3. Loan amount: A loan amount that does not exceed twice the actual capital contribution of shareholders can be issued, with a maximum of 10 million yuan.

Can P2P online lending really solve the financing problem of small and medium-sized enterprises in China? It is an additional channel. After the industry is standardized, it should be more helpful

Sina Payment Fund Can hosting solve the problem of p2p leakage? It is impossible to solve the problem of p2p leakage. The company can use the money however it wants, he is just a trustee. Even if he is a depository, what will happen if he runs away and earns over 100 million yuan? He found a way to get the money out.

2. Can p2p financing solve the funding problem of small and micro enterprises

There is no financing model. It can only be said that because small and micro enterprises cannot obtain loans from banks, they can only go to How is it possible for P2P to save the company? This is also the problem of the country's policy on P2P, which currently allows small and micro enterprises to find financing difficulties. After all, financing depends on the development potential of the company and whether it can develop, otherwise who would dare to lend to you

3. Can p2p financing solve the funding problems of small and micro enterprises?

Industry insiders analyze that many small and micro enterprises have not applied for formal loans because bank services are not in place. Among them, 47.5% of enterprises have not applied for formal loans. About 19% of small and micro enterprises estimate that they will not be approved before applying, and the application process is troublesome. There are even 10% of small and micro enterprises who do not know how to apply. Secondly, the cost of loans to small and micro enterprises is high, unsecured, unsecured, and unguaranteed, and the risks are too high, so no bank is willing to pass such a risky loan application.

p2p is mainly an Internet-based financial service platform. Relying on big data, it can statistically analyze the information obtained from offline inspections of small and micro enterprises and convert it into credit scores of small and micro enterprises, allowing financiers to evaluate small and micro enterprises. Micro enterprises have an intuitive understanding, which solves the problem of banks and others judging the risks of small and micro enterprises.

————Shanghai Jiujiudai will give you the answer

4. Can non-financing guarantee companies provide guarantees for borrowers or small and micro enterprises on p2p? Is it legal?

In principle, it is illegal, and banks will not cooperate with these guarantee companies, which means they are destined to be unable to do bank loan guarantee business. Basically these guarantee companies are engaged in private lending business. Even among financing guarantee companies, it is difficult for the vast majority to obtain opportunities to cooperate with banks.