What Should Enterprises Do When They Face Shortage Of Funds?

< p > for enterprises, capital operation is from financing (capital inflow) to investment, such as purchasing materials, expenses and so on, and then to the sales refund, and then return the external financing process. If the existing capital of the enterprise has been used, and before the next investment demand does not receive a refund or new capital inflow, then the capital chain may break up, thus bringing risks to the enterprise.

In the process of production and operation, enterprises must maintain the healthy operation of the cycle.

Many enterprises do not have so many funds and no unimpeded financing channels, but they have done a lot of business. They have invested a lot and have drawn a long line of business. But when his opportunistic capital operation failed, the enterprises soon collapsed.

Therefore, the capital operation capability of an enterprise is an important basis for measuring the vitality of an enterprise! < /p >

"P >" according to the sources and channels of existing financing funds, compare the advantages and disadvantages of various financing methods and their matching with the enterprises, including: absorbing investment, issuing shares, bank loans (asset mortgage loans, project development loans, export earning foreign exchange loans, "a href=" http://fz.sjfzxm.com/ "> /a > pledge loan, * * discount financing), folk loans, issuing bonds, financing leases, financial leases, pawn financing, commercial credit, retained earnings, warrants, convertible bonds, convertible bonds, fund-raising and property pactions.

Private enterprises in China are often limited to the constraints of the national credit institutions and banks, and often use private lending, which is more prominent in small and medium-sized enterprises.

At the beginning of the enterprise, the owner raised the first capital by means of geopolitical, consanguinity, affinity and interests, and then entered the economic circle in a big way and accepted the baptism of the business community.

In the operation of enterprises, when the first investment fails to produce profits or benefits in accordance with the established goals, business owners will be short of funds and difficult to operate. This kind of operational dilemma will affect the next benefit output, and a very frightening problem will arise.

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< p > in the west, the ability to borrow is the symbol of an enterprise's reputation and assets.

Banks decide whether to lend you money or how much you lend to them based on your mortgage assets and solvency.

The West divides debt into good debt and bad debt.

The so-called good debt is the leverage of borrowing money to make you earn (after deducting the cost of borrowing), so that the income of wealth growth is far greater than the cost of borrowing, far more than the income gained from the investment of its own principal.

To put it plainly is to use other people's money to generate money.

Bad debts are assets borrowed to buy, enjoy, or buy benefits that are not generated or yield less than the cost of borrowing. As a result, their cash flow is reduced and assets are reduced.

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< p > there are several principles for borrowing money to invest in tooth decay: first, the investment income must be greater than the cost of borrowing.

The purpose of borrowing money is to leverage the leverage of money to enlarge its capital ability and earn more profits.

But borrowing is costly, so we must carefully analyze and calculate before deciding to borrow, and confirm that the investment must be more effective than the cost of loans, otherwise it will be bad loans.

Two, investment risk is within control.

Some investment projects are not very stable and risky. At this point, it is necessary to analyze and calculate how big their risks are and whether they can control them. If there are variables, can I control them? If there are variables, do I still have the ability to repay loans? For example, borrowing and selling stocks, futures are very risky, and there is no way to control the situation.

Three, they have the ability to repay.

The most important principle of borrowing is that you must be able to repay whatever the project is.

If you do not have the ability to repay, finally, < a href= "http://www.91se91.com/news/index_f.asp" > capital chain > /a > break, you will be completely destroyed.

How much do you want to borrow? How much do you want to borrow? Some of you borrow money plus interest, and you only need to pay interest on some borrowings.

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< p > How can you make more money? When an enterprise's funds are scarce, the main problems facing the enterprises are: debts arising from previous production and debts that need to continue to be produced, and how to balance and control the creditor's rights in the previous business process. It can neither make the creditors feel the problems of your funds, nor affect the continuation of production. This requires a very strategic way of management.

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< p > < strong > 1. The idea is to settle all the < a href= "http://www.91se91.com/news/index_c.asp > creditor > /a >, and let him stick to your position with you.

< /strong > when business funds are tight, all creditors will have one of the worst ideas: I have to withdraw my investment as soon as possible, even if I can only recover the cost.

So there was an endless stream of debt collectors.

Enterprises, like people, also need a safe living environment, otherwise they can only listen to their fate.

In order to settle your creditors, you need to decompose your existing funds, 40% of which will be used for the continued investment in production, leaving a 30% to lay the foundation for continuing operations and a 30% to appease creditors.

When creditors mention debt, you can easily talk about your business, or your customers can not keep your promise on time. At the same time, you can tell him that there is nothing wrong with his capital, and you can try to pay him a bit in order to show sincerity. So your suppliers and creditors will soon become your loyal friends. He will work with you to solve the trouble brought by your customer base! < /p >

< p > < strong > 2, continue to operate your capital with integrity, so that you can feel the existence of integrity.

< /strong > honesty is gold. When a company or individual who loses integrity and wants to turn the image of integrity in the mind of the public, his investment cost may be much larger than that of a normal enterprise.

Therefore, a lot of fairies have regard "integrity management" as the purpose of an enterprise, and they dare not be careless at all.

In the early stage, some enterprises deliberately made some commercial activities to deceive and cheat in order to gain some immediate interests, such as milk powder incident, black processing factory incident, fake medicine and so on. Although these things can cover up for a while, and quickly pull the enterprises onto the fast lane, the life of these enterprises is limited, many for three years and less for half a year.

This also confirms the old Chinese saying "we must not know what we want unless we do not."

Most of the suppliers and creditors can understand this phenomenon, but enterprises must explain it in good faith. Instead of being abused by an abnormal situation, creditors or suppliers will not be able to uncover the pot without a certain share of the creditors or suppliers.

In this case, who else is willing to believe that you are telling the truth? Therefore, enterprises mainly focus on the capital and production of enterprises, and sort out the capital chain. Once there is a little abnormality, they should try to solve and dredge as soon as possible.

At the same time, we should be responsible for every word and action taken by every living enterprise. We should let everyone around us feel that the enterprise is doing solid work. It is a highly trustworthy enterprise, so that enterprises can still win good social reputation in the absence of funds. < /p >

< p > < strong > Third, take active measures to ensure that the capital chain is stable and reliable.

< /strong > capital operation capability of enterprises includes three aspects. One is the ability of raising funds for enterprises, which is one of the main conditions for an enterprise to ensure its normal operation. The second is the ability of capital utilization and control of enterprises. It is one of the criteria for the sustainability of enterprises, and the third is the accounting ability of enterprises.

When there is a shortage of funds in an enterprise, it may be that these three links have all failed, and there may be problems in every link.

Under normal circumstances, the refinancing capability of enterprises is the main criterion to measure whether the capital chain is sound or not.

Therefore, in the process of production management, enterprises should not abandon capital raising because of the current capital has already met the operational requirements. There must be sustained, long-term and emergency fundraising measures to ensure that there will be no problems in the capital chain of enterprises.

A sound enterprise development plan is inseparable from the key link of capital operation of enterprises. Therefore, no matter at any time, our business managers and owners can not abandon the capital raising measures to ensure that the capital chain will not break down! < /p >

< p > < strong > Fourth, steadily grasp the links of production and operation, and gradually narrow down the scope of high-risk investment.

< /strong > the main reason for the problems of the capital chain of enterprises is mostly due to external reasons. Therefore, enterprises should not be in a rush for a moment's nervousness. While raising emergency funds, they should take the initiative to do well in the production work. They should follow the routine management methods and formulas, step by step to grasp the production process, control process and so on.

A solid message is conveyed to all the employees in the enterprise and to all partners who have business contacts with us. Our shortage of funds is only temporary, {page_break} < /p >

< p > we can also guarantee production and operation.

At the same time, enterprises should also sort out all the business scope, and be cautious about investing in the environment, investment efficiency and capital turnover rate. We should not only organize the team to conduct an investigation, but also analyze the economic data in detail. We should analyze all the links in the chain of profit and benefit, and we must not blindly make decisions or conclusions, or be blinded by our immediate interests and greedy plans.

In the control and control of capital chain, the use and control of funds is one of the criteria for the sustainability of enterprises.

This means that whether funds are tight or not, the operation mode and standard of funds should be controlled.

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< p > < strong > fifth, devote great efforts to study market opportunities and rules, so as to increase investment returns steadily.

< /strong > the market is an ever-changing variable. The opportunity is flying all the time. There is no time to use the funds. The bubble is as big as the sky at a time. These uncertainties are the biggest headache for business managers and business owners.

When a project is about to launch, a lot of enterprises will make an assessment of the actual situation of the project, investment situation and investment income, also known as project investment income evaluation, that is, in the feasibility study of the project, investment decision, scheme selection, < a href= "http:// www.91se91.com/news/index_p.asp" > benefit evaluation < /a >, profitability and financial performance comparison, all aspects of economic analysis should be carried out. The purpose is to analyze the economic indicators and financial performance of the project from the perspective of cost and benefit, so as to help decision-makers and project teams to get the correct information and make scientific decisions.

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< p > analyze the cost and benefit of the project from the perspective of economics, and urge the project team to pay attention to the economic and financial performance of the project, avoid blind investment, help the project team to make scientific investment, financing and capital utilization plan, so as to improve the efficiency and efficiency of project management; provide data and indicators to help the project team make decisions, and improve the accuracy and scientificity of the decision-making.

The project investment income evaluation report mainly includes cost-benefit analysis, investment return rate, investment recovery period (static investment recovery, dynamic investment recovery and differential investment recovery period), net present value, internal rate of return (IRR), profit and loss balance and so on.

The basic economic evaluation indicators and evaluation methods of investment projects include static evaluation indicators (total investment yield, project capital net profit rate, investment recovery period, interest reserve ratio, debt repayment ratio, asset liability ratio) and dynamic evaluation indicators (financial net present value of project investment, net present value index, project investment internal rate of return, project capital financial internal rate of return, financial internal rate of return of investors), which can make professional and comprehensive evaluation and evaluation of enterprise project investment income.

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