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Matters needing attention in bank loans (2)
(B) out of the misunderstanding of the relationship between banks and enterprises
At present, the most common reason why it is difficult for small and medium-sized enterprises to obtain loans is the lack of assets mortgage or guarantee from other enterprises, in other words, the lack of credit. Small and medium-sized enterprises are in urgent need of bank credit support because of their limited scale, but it is difficult to obtain loans from banks. In order to obtain loans, SMEs often fall into the following misunderstandings.
1. One-sided dependence on personal relationships with important bank personnel
Some small and medium-sized enterprise managers believe that the problem of difficult loans can be solved as long as they maintain good personal feelings with bank presidents, credit supervisors, account managers and other personnel. The actual situation is that with the continuous strengthening of national financial supervision, commercial banks have comprehensively implemented asset-liability ratio management, strengthened the responsibility system for credit reporting, and implemented the separation of trial and loan and collective decision-making; At the same time, in order to prevent the localization of commercial banks, the presidents of commercial banks should communicate regularly across regions, and the credit posts within banks are often rotated, which will make the painstaking operation of some small and medium-sized enterprises vanish in an instant. Therefore, the correct choice is that SMEs should maintain normal business relations with banks, let banks know about the production and operation of their own enterprises, accept the supervision of corporate finance by banks, and leave the impression of honesty and trustworthiness to banks. Only in this way can …