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 operation of each 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 loans are repaid on time. The book also includes appendices on relevant laws and regulations concerning SME loans. To provide practical reference for SME managers, the book introduces numerous rich case studies, aiming to inspire SME 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 case studies and strong practicality. It emphasizes the integration of theory and practice from the perspective of SMEs, focusing on the simultaneous transmission of knowledge and skills. "Knowing is not as important as doing," and it is believed that SME managers will understand and learn quickly after reading this book.