How Small and Medium Enterprises Get Loans: Learn How to Deal with Banks

Author: Liu Baining
Publisher:
Publish Date: 2005-04-01
Features: This book comprehensively, systematically, and thoroughly introduces the financing method of loans, with its characteristic being the integration of various practical scenarios of enterprises. It provides detailed explanations from how to prepare for loans to the operations in every stage. Whether or not there is a loan demand, the content introduced in this book is essential to understand. The book is divided into seventeen chapters, describing in an in-depth yet accessible, step-by-step, and systematic manner the types, terms, requirements, conditions, procedures of bank loans, as well as knowledge on loan extensions, refinancing, and other aspects. It also covers practical operational skills for small and medium-sized enterprises (SMEs) on how to interact with banks, how to gain bank favor, how to avoid misunderstandings in bank-enterprise relationships, how to handle bill financing, what to do when loans lack collateral, and how to ensure smooth loan approval from banks. At the end of the book, there is an appendix listing relevant laws and regulations concerning SME loans. To provide practical reference for SME operators and managers, the book introduces numerous rich cases, aiming to inspire SME operators and managers to think creatively and adopt a forward-thinking mindset, enabling them to draw beneficial lessons from their own business practices. The language of the book is concise and easy to understand, with abundant cases and strong practicality. It highlights the integration of theory and practice from the perspective of SMEs, emphasizing both knowledge transfer and skill development. Knowing is not as important as doing—believe that SME operators and managers will understand and master the content with just one reading.