Small and medium-sized enterprises will always encounter some financing difficulties in their development, especially when they want bank loans. Because small and medium-sized enterprises do not have their own unique brands, the market is small, and the production scale is limited, it is difficult to bear high debts. In particular, small and medium-sized enterprises in the stone industry want to obtain loans from banks and other institutions. The procedures are complicated, the time is long, and the funds are not much. The reason is that small and medium-sized stone enterprises face some problems. Small and medium-sized stone enterprises have small scale, small number of assets and long production cycle. The rapid changes in the market, especially the downturn in the stone industry in recent years, have resulted in unstable operation and large profit and loss fluctuations. In addition, the loan amount of small and medium-sized stone enterprises is relatively small. The bank is not very familiar with the operation mode and status of small and medium-sized stone enterprises, and has doubts about the enterprise credit. Therefore, it is difficult for small and medium-sized stone enterprises to borrow money from banks. Generally, small and medium-sized enterprises will choose private lending, but the amount is small, decentralized, and the interest rate is high, so it can not form a batch, which is just a drop in the bucket for stone enterprises.
How to solve the financing problem of small and medium-sized stone enterprises in the bank requires efforts from all sides. As for enterprises themselves, they need a good credit first. Banks are more willing to lend to enterprises with high credit, so small and medium-sized stone enterprises need to maintain a good credit record. Secondly, small and medium-sized stone enterprises have stable and effective business conditions. The amount of bank loans depends on the business scale of the enterprise. The stone industry has a long production cycle, which allows banks to lend in a long period of time. Stone enterprises need to be able to operate stably. Moreover, small and medium-sized stone enterprises should rectify themselves, and safe production enterprises are more secure for banks. An enterprise responsible for production safety will also be responsible for bank loans. A responsible enterprise bank has no reason not to lend. The stone enterprise management is not standardized, the account is not clear and other issues, also need to rectify and change. Of course, stone enterprises should have complete formalities. They should not prepare all their own certificates without the bank, so as to avoid preparing again during the loan period. A qualified stone enterprise with complete formalities is the most basic condition for applying for loans.
Banks should have a correct understanding of the stone industry and understand the business model of the stone industry. It is fair to evaluate the borrowing capacity of small and medium-sized stone industry, without prejudice due to small enterprises. Banks should also develop loan products with different needs for small and medium-sized stone enterprises to meet the loan needs of small and medium-sized stone enterprises. Agreed mortgage shall be made according to different situations, and matching guarantee and matching quota shall be provided according to actual payment and market valuation of the land actually occupied, combined with the situation of the enterprise.
The government and the stone association should bridge the gap between enterprises and banks, establish a loan financing platform, and solve the problem of information asymmetry between banks and enterprises. Pass the status of stone enterprises and industries to the bank, build an enterprise information platform, and let the bank know the industry and enterprise related information in detail. The government and associations provide guarantee for high-quality enterprises to ensure that enterprises can obtain funds normally for better development. In these aspects, Shuitou, Yunfu and other stone industry developed areas have done an excellent job and made many efforts for enterprise financing, including bank loans, funds and other financial services.
[This article originates from the Internet and is shared with you by Longmeida Stone Group, the first brand of Seiko Stone. Please call 4000-888-428 for more information about Longmeida Stone Group's stone products and projects.]