Enterprise financing situation
Lack of planning in fund management and high financing cost. Some enterprises are mostly in the primary development stage, and their development scale is limited. The internal management system and financial management system of the enterprise are not perfect, and the fund management lacks planning. Operating funds often appear "urgent, less, frequent" phenomenon. Enterprises lack foresight in the planning of funds, funds can only be turned around, less credit funds can be obtained, and enterprises need funds more frequently to maintain production. Enterprise credit is not high, and it is difficult to get the support of financial institutions. Because some small and medium-sized enterprises have small scale, imperfect information system, irregular internal operation and weak credit consciousness, malicious evasion of bank debts and tax evasion occur from time to time, which affects the credit of enterprises. Due to the low credit of enterprises, financial institutions are reluctant to provide such enterprises from the perspective of risk, which makes it difficult for enterprises to obtain financing funds, and to a large extent.
It affects other healthy small and medium-sized enterprises of the same scale, so that their financing needs are often ignored.
Analysis of financing difficulties of small and medium-sized enterprises
Small and medium-sized enterprises are weak in their own ability. Many small and medium-sized enterprises started late and are still in the primary development stage, and their core competitiveness and innovation ability are still relatively weak. As a labor-intensive industry, the benefit index is difficult to compare with similar large enterprises, and its competitive strength in the economic market is not high, so it is easy to be eliminated. The endogenous capital of small and medium-sized enterprises accounts for the vast majority. In many small and medium-sized enterprises in developed countries, there are multi-level and diversified capital structures, while most of the capital structures in small and medium-sized enterprises in China are endogenous capital. Among these endogenous capitals, the capital held by enterprises themselves accounts for the vast majority, which greatly limits the development of enterprises and misses good development opportunities because they cannot obtain the external capital they deserve.
Effective measures for enterprises to improve financing capacity and financing efficiency.
Improve the management system. In order to improve the ability and efficiency of fund-raising, an enterprise must first improve its management system from the inside, establish and improve its production management system and management system, and ensure the authenticity and effectiveness of financial information. Strengthen the establishment of modern enterprise system and corporate governance structure within enterprises, fundamentally improve the competitiveness of enterprises, establish enterprise industrial clusters while improving enterprises themselves, and integrate through mutual assistance and mutual protection in the financing process. 2. Improve enterprise credit and market competitiveness. At present, the financing channel of small and medium-sized enterprises is bank loan, so to improve the financing ability and efficiency of enterprises, it is necessary to strengthen cooperation with banks and enhance their financing trust. Only in this way can we get more financial support in financing and expand the scale of enterprises.