How to raise funds in Personal Establishment 2003-3-14 11:24:52
A series of policies that are conducive to non-public economic and SMEs have recently introduced, such as the official promulgation of "SME Investment Promotion Law". The State Administration for Industry and Commerce began accelerating policies and regulations for discrimination against private economic development. The department has canceled all discriminatory market access obstacles to individual private enterprises, and individual investment starts will continue to heat up. During this year's "two sessions", the personal entrepreneurship of laid-off workers also included in the agenda. However, because individual investments are mostly based on the bottleneck of funds, how to raise funds to be the first issue that is the first to start business. I. Personal entrepreneurial loan personal business loans are commercial banks and relevant departments to distribute the designated loans that meet the loan conditions to meet their financing needs, and their use is limited to personal entrepreneurship investment. Personal entrepreneurial loans have been rapidly promoted to most of Zhejiang, Sichuan, Anhui, Henan, and Shenzhen. Personal entrepreneurial loans integrate the characteristics of company finance and personal finance, which is not used to consumption, but used for economic entities, providing effective financing channels for individual entrepreneurship. At the time of China Industrial and Commercial Bank, Bank of China, China Agricultural Bank, Shanghai Pudong Development Bank, CITIC Industry Bank, Bank of Communications, etc. have launched a personal entrepreneurial loan business. For example, the personal entrepreneurial loan launched by the ABC Qingdao Branch is a particular subject to the specific subjects of the individual industrial and commercial households, individual-owned enterprise investment and individual partnership, and the individual partnership, which are concentrated in its entrepreneurship and operation. Purchase or rent a store, buy a loan such as machinery, payment, purchase of raw materials, etc. Then, the ABC has established the first personal entrepreneurial loan center in Sichuan Province. The center specializes in financing demand for those who initial entrepreneurship and continuing entrepreneurship. They can pass shops, housing, viable securities, etc. Provide guarantees to resolve loans, the loan is up to 2 million yuan. The "personal entrepreneurial loan" put in the Agricultural Bank of Zhejiang Branch, launched a new guarantee mortgage of housing reform housing mortgages, vehicle pledge, taxi management rights, and individual owners' socal documents, and the loan "threshold" further decreased. Shenzhen Development Bank's entrepreneurial loans in Shanghai, serving individual investments, the highest loan amount is 1.05 million yuan, two supportive loan guaranteed laid-off personnel and even some difficulties in the business, although the business is high, but the financing It is a common problem that they are common in the starting phase. In particular, small businesses are opened, and loan guarantees is more difficult. To this end, many local governments and departments have given the necessary policy guidance and support for the majority of ordinary workers. On January 10, 2003, the People's Bank of China will jointly formulate the "Management Measures for Laid-off Unemployed Treated Loan Management", and the Object of Laid-off unemployed small secured loans on the laid-off unemployed personnel. And conditions, procedures, and use, limit, interest rates, and information on loan guarantee funds, guarantee institutions, etc. At the same time, the subsidiary of the laid-off unemployed will also be established in all provinces, districts, municipalities and prefecture. In recent years, the relevant departments of Shanghai have focused on building a market-oriented personal entrepreneurial platform, providing help with ordinary citizens who are interested in laid-off workers who are interested in personal entrepreneurs. At present, Shanghai has basically formed a personal entrepreneurial support system consisting of providing projects, funding, opening guidance, social security. For example, as one of the supporting measures of the Municipal Government's "Net Top 100,000 Employment Post", "Re-Employment Fund" has been renamed "Promoting Employment Fund", and has issued the Shanghai Labor Security Bureau "on promoting employment fund guarantee opening loans. Trial Opinions and "Implementation Opinions", gossed the gospel for the majority of laid-off unemployed in the open. At present, there are four main loan projects of the fund guarantee: open fund loans, short-term loans, equipment loans, and purchase production and operation room loans. The reciprocal microfinance credit guarantee centers established by Jiangxi Province have established a guarantee fund for 2.2.2 million yuan. By the end of February 2003, 11 countries in the province will fully launch a small amount of small loans, and the amount will reach 5.2 million yuan. Support 700 people independently started.
It is understood that many regions have introduced a lot of ways to SME loans, personal entrepreneurial loans, etc., such as the establishment of guarantee funds, associations, centers, etc., provide guarantees for personal entrepreneurial loans. Third, franchise franchise means that the franchisees will be used by the trademarks, trade names, products, patents, and proprietary technology, business models, etc., by the franchise, by the franchise, according to the contract, in the franchise Unified business model is engaged in business activities, and paying the corresponding expenses to the franchisee, at this stage, the chain operation has become a marketing model that leads the market trend. At present, many banks are also actively participating in the franchise management, providing loans for entrepreneurs, which can achieve three effects: Bank's credit funds can get a relatively safe delivery channel; borrowers can reach investment in investment through bank loans The purpose; the company has reached the purpose of selling its own products. Not long ago, Shanghai ICBC and Kodak jointly launched a loan to be welcomed. Personal investment of 99,000 yuan, Kodak can help build a color expansion. Most importantly, the investment of 99,000 yuan can be obtained by applying for ICBC. Bank of China also works with Kodak (China) Company and Libang (China) company to provide loans for investors who want to open Kodak's fast colorprint shop or Landang paint shop. In this case, as long as Kodak is recognized by Kodak, the borrower does not need to provide any guarantees to obtain loans for purchase related equipment. Pudong Development Bank's personal entrepreneurial loans are "80,000 yuan to invest 70,000 yuan, and a small boss" for UNIT. In June last year, the 44-year-old Shanghai citizen Zhang Liqin was born to be "boss". She watched the Hefeng Toy Industry Chain project at the first opening project bidding meeting of Shanghai, and then invested more than 100,000 yuan to start her franchise store. Now, Zhang Liqin's more than 30 square meters of franchise stores reached around 50,000 yuan per month, with a pure profit of more than 10,000 yuan. In my country, the franchise has been developed through 10 years of development, and there are currently more than 1,000 franchise systems with a certain scale and more standardized. By the beginning of 2001, 21,000 chain companies in the national chain, 32,000 stores, total sales of 2.20 billion yuan. IV. The socialization of the partnership is a trend. Due to a person's thinner, several people are conducive to entrepreneurial investment. The partnership can not only effectively raise funds, but also give full play to the role of talents, and For the utilization and integration of various resources, partnership can solve the lack of capital, but it should also pay attention to some issues: First, it is necessary to clear investment share, and individuals should determine the investment share of everyone when they determine the investment partnership, and it is not necessarily The proportional equity is good, and the proportion of investment is often buried in the future contradiction. Because there is no suitable shared share, it will lead to equal rights and obligations. As a result, all things have all the same rights, all have the same obligation, business intentions are difficult to achieve. The second is to strengthen information communication. Many people cooperate always because of their feelings, you don't worry, so they trust each other. In the past, it is easy to cause misunderstandings and disagreement, which is not conducive to the stability of the partnership. The third is to establish a charter in advance. Partnership companies can't feel good because of everyone feel, or have blood relationships, there is no charter of the company, and there is no charter is a taboo of cooperation. V. Commercial bank loans as long as they meet the conditions, commercial banks are also actively issuing loans to individual merchants and private companies. Personal entrepreneurship should be developed from small to big snowballs, so it is convenient to apply for mobile capital loans to banks through effective pledge, mortgage or third party guarantee guarantee. It is convenient to apply for a project loan. Personal entrepreneurs can make full use of their own conditions and seek loans to commercial banks: First, be good at persuading banks to lend money to themselves.
