Small and medium-sized enterprise financing status analysis

There are many small and medium-sized IT enterprise financing is still faced with the old problems. A lot of good business enterprise has a strong financing needs, but can get choice channel is not much. Financing has been most small and medium-sized IT enterprise's development bottleneck. IT is small and medium-sized companies, whether angel investors, risk investment, government funds, or bank loans and financing channel, as long as they can get the funds needed for the enterprise development, these investors is their "angel". In this sense, we hope that everybody to small IT enterprise of "angel".

Small and medium-sized enterprises in the development of constantly at the same time, its financial resources and its for national economic and social development in the position of the role of the match is extremely. Difficult financing constraints sme development has become the prominent problems, the existing financing status mainly for:

(a) internal financing for small and medium enterprise's main ways

Most small and medium-sized enterprises in China belong to the technology and market relatively mature, development of the more stable labor-intensive enterprise, its competitive advantage from of low labor costs. So, the general development of enterprise mainly on its own accumulation. But, the enterprise internal retained earnings accumulation is limited, with the expansion of the enterprise reproduction, internal financing can only restricted greatly the rapid development of enterprise and bigger. According to the relevant data show that rely on internal retained earnings to accumulate funds in the enterprise accounting for 26% of the private enterprise capital source, corporate bonds and external equity financing to less than 1%.

(2) the external financing difficulties

Bank loans are the external financing important channel. Although the small and medium-sized enterprises and financial institutions to establish a common between stable cooperation relations, but due to the small and medium-sized enterprise scale is relatively small, management, risk, more variables credit ability lower a number of reasons, medium and small-sized enterprise external financing constraints than large enterprise.

The stock market higher threshold, the listed cost is higher, market risk ambassador to small and medium-sized enterprise through the securities for the proportion of funds exogenous way down. But is the launch of the gem to small and medium-sized enterprises will create good financing environment, small and medium-sized enterprises should seize the opportunity for external capital.

(3) small and medium-sized enterprise financing costs more

According to the Chinese small and medium-sized enterprise financial system, according to the report now, middle and small enterprise financing costs generally includes: loan interest, including basic interest and floating part, float extent general in the above 20%; Register the mortgaged property evaluation costs, general accounting for 20% of the cost of financing; Guarantee costs, general years rate at 3%; Risk deposit interest, most financial institution in the loan, in order to reserve the name of the principal deduct interest on the loan, and small and medium-sized enterprise actually gets 80% of the principal of the loan only to one-year loans, for example, small and medium-sized enterprise actual pay interest at 9%, and about 40% or more of the above the bank loans. Thus, the high cost of financing for small and medium-sized enterprise financing caused a certain effect.

(4) folk adequate capital, but the folk financing remains to be standard

Our social system and people's consumption habits, causes our country there are high savings rate. High savings which the country's abundant folk capital, especially developed coastal areas, such as zhejiang, guangdong, folk lending market is very active, considerably replaced the function of the bank. But, the folk financing activities was basically in the underground or half underground conditions, lack of legal and institutional norm, usury and other illegal activities are relatively general. Therefore, the folk financing remains to be standard, and really the marketization development financing activities.

The country at present and innovation of small and medium-sized enterprises, the financing way out basically has the following 12:

1. Comprehensive credit;

2. Credit guarantee loans;

3. The buyer loan;

4. Different ground joint cooperation loan;

5. Project development loan;

6. Export loan;

7. Natural person guarantee loans;

8. Personal entrust loan;

9. Intangible assets loan guarantee;

10. Bills discounting financing;

11. Financial leasing;

12. Hock financing.

Market prospect of investment is very big, engaged in the investment advisory services also have many opportunities, main is to have a sound system of the project, the risk assessment hair a perfect mechanism.