First, from the perspective of direct financing, in view of the strict requirements for the listing of enterprises, it is difficult for small and medium-sized enterprises to enter the main board market, so it is unrealistic for them to raise equity; In terms of debt financing, small and medium-sized enterprises are limited by the issuance scale, which is small in scale and high in risk, and it is difficult for investors to favor them. Therefore, it is not easy for SMEs to obtain funds through debt financing.
Second, banks:
1, grassroots banks have the right to approve loans, and the loan procedures are cumbersome.
2. Due to the limited professional quality of bank personnel, their understanding and foresight of enterprise project prospects are insufficient.
3. Compared with large enterprises, small enterprises have small scale and small profits, but the cost of bank lending is high.
Third, the social aspect:
1, the capital market is underdeveloped and the investment and financing channels are single.
2. The guarantee mechanism is not perfect, and there are no industries and institutions to share risks.
3. There is no complete credit rating system and credit investigation system for SMEs.
Fourth, the enterprise itself:
1, low management level and lack of high-quality talents.
2. The financial accounting system is imperfect and the information is opaque.
3. Internal and external reasons lead to large external credit risk, poor growth and weak competitiveness of SMEs.
4. Low credit rating and lagging credit system construction.
About 6,543,800 enterprises close down every year in China, with an average of 2 enterprises closing down every minute. As long as you live for more than 3 years, any small and medium-sized enterprise will reach the average level. In fact, in the final analysis, it is because the company does not have enough funds, so it is easy to roll over.
If entrepreneurs lack capital resources and can't find investors, I suggest you take the project to different platforms to try, such as Mingde Capital Ecosphere, Whale Quasi, Entrepreneurship State and so on. Usually, funds and investors will cooperate with the financing platform, and they will screen projects worth investing through the platform.
When choosing a platform online, you must keep your eyes open. Many platforms have paid tens of thousands of dollars, but there is no result. If you are not sure, it is recommended to try the Mingde Capital Ecosphere. Mingde Capital itself is an investment, which is different from many platforms, and many platforms only act as intermediaries.
In addition, the Mingde Cooperation Fund has more than 2,400 resources, and the docking rate of offline activities is high. Hundreds of people participated in each activity, nearly 100 investors will be present, and many enterprises have obtained financing. I hope I can help you.
If you still have questions about the financing difficulties of SMEs, you can click the online consultation button below to talk to the teacher directly.