Smes Use Related Companies To Ease Capital Bottlenecks

It is important for small and medium-sized enterprises to continuously improve their own capital operation capability to match their development. However, the rational use of bank credit policies and government rules can still lubricate the capital chain of enterprises. P

In this process, related companies have partly solved some of the capital bottlenecks in the development process.

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< p > < strong > first, SMEs can use related companies to solve the problem of "a href=" http://www.91se91.com/news/index_c.asp "bank loan < /a" entrusted payment.

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< p > 2010, the CBRC issued a "three methods and a guideline". It explicitly stipulated that the whole process risk control of loans should be carried out, and the management of the payment of loan funds should be strengthened. All the commercial banks were required to fully implement the loan entrusted payment system.

With the advent of the system, many small and medium-sized enterprises have been complaining for a while. They could have prioritized their liquidity loans in accordance with the company's business needs.

The introduction of the rule of trustee payment, on the surface, controls the lending risk of commercial banks, but in fact it is not.

In fact, many small and medium-sized enterprises are making use of a virtual contract with related companies. The terms are drawn up by a loan enterprise to purchase a large number of goods from the trustee (associated company), and the goods are delivered in batches after the agreed payment is in place.

Bank credit is based on the contract through risk management audit, and then entrusted the loan of liquidity to be paid to the associated company account, so as to achieve the self control of funds.

Of course, if the affiliated company belongs to the upstream and downstream of the industrial chain, it will be more helpful to the approval of the bank, and it can also weaken the suspicion that the loan company pfers funds.

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< p > < strong > secondly, small and medium-sized enterprises can use related companies to solve the problem of cross border < a href= "http://www.91se91.com/news/index_c.asp" > payment /a >.

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< p > foreign exchange funds are nothing more than flows under Trade and capital flows. Trade flows are mainly trade in goods and services, while capital accounts include foreign exchange capital investment and foreign debt.

Suppose that the group company has both internal and external sources, and the domestic company has a large number of money funds that can not be invested in high yield projects at present, while foreign companies are in urgent need of funds to complete an investment or debt service. Then, how to pfer the funds legally from domestic companies to foreign companies? The actual situation is not supported by the goods or services that have already occurred. At this time, it is particularly necessary to have affiliated companies inside and outside the country.

With the help of affiliates, the contract can be paid in advance. Under normal circumstances, contracts with reasonable compliance are signed and stamped by domestic and foreign companies, and the safe system will be approved and approved by banks.

In this way, the pfer of funds from domestic to overseas is realized, and the import is completed within the time required by the safe, and the prepaid remittance can be written off.

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< p > < strong > Third, small and medium-sized enterprises can use a href= "http://www.91se91.com/news/index_c.asp" > affiliated party < /a > to solve the problem of capital lending.

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< p > financing is quite common in private enterprises, though the loan between enterprises has always been prohibited by our laws and policies.

With the rising cost of raw materials and labor, coupled with tight money, many small and medium-sized enterprises are facing financial difficulties, and there is a large number of loans among enterprises in various forms.

For the same group, the distribution of funds may not be able to meet the needs of the group as a whole because of the different industries and the imbalance of industrial chain profits.

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< p > however, without the approval of the people's Bank of China, how to manage the loan business, how to lay a legal coat for financial intermediation? It is possible to use the qualified financial institutions to entrust loans, or to use the trust companies as intermediaries to distribute loans to the borrowers, and to turn the interbank loan owners into civil actors and enterprises.

In the dismantling of related enterprises' funds, it is necessary to meet the requirements of the tax department. Both the business tax and the interest income tax levied on tax adjustment for borrowing and lending are calculated and paid on time.

These are relatively easy to solve than the operational difficulties brought about by the shortage of funds.

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< p > it is undeniable that China's financial industry is an imperfect market, and the survival problems faced by SMEs will continue to exist. The unhealthy growth of private capital has always made the cash situation of SMEs still worrying.

Whether it is the auditing mechanism entrusted to pay by the bank, whether it challenges the policies and regulations required by the foreign exchange payment by the safe, or the lending of the internal financing of the group, SMEs will continue to use their associated enterprises to lubricate their own cash flow and to survive in a difficult environment.

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