Taoism hereby warns all entrepreneurs and entrepreneurs who are eager for financing. Nothing for nothing. They should learn to see through the financing scam of financial swindlers, so as not to be fooled, which may lead to money loss, delay the development of enterprises and even lead to bankruptcy.
finance
Let's see what happened at that time:
One day, the CEO of a company sent a message to Dao Changfa that he had arrived in Beijing and was ready to sign a financing intention agreement with a foreign investment institution. He said that the other party has agreed in principle to provide a loan of 6.5438 billion yuan, and the interest rate is almost 6% with reference to the bank's RMB loan interest rate. Road flyover had previously provided advice for the company's equity financing of 3 million in the previous year, knowing that the company was developing rapidly, but the capital was always the bottleneck. After receiving this message, I was puzzled. This company is still in its infancy, and its scale is too small. This large debt is not secured by mortgage. Why should foreign investors lend it to him?
After carefully understanding the cause and effect of this matter, it is basically certain that this company is likely to be targeted by scammers in the name of helping enterprises to raise funds. Therefore, when the Taoist priest signed the letter of intent, he warned the boss not to agree to pay any money in the name of "sincerity money".
It turned out that when the boss of this company was looking for funds everywhere, a Guangzhou business representative of the so-called Beijing International Investment Group found him and claimed that he could help solve the loan through foreign funds. It is natural for me to hear such news when I want to raise money. In heaven, companies that want to raise funds provide some basic information to each other. The other party quickly replied that the company's projects met the requirements of investors after preliminary examination and needed to provide a "business plan" in Chinese and English. The other party also claimed that in order to meet international standards and be easily accepted by American investors, it can charge fees to help business owners write and translate "business plans".
The boss thought that the money spent on writing the plan was nothing compared with the money he got, so he agreed. Shortly after the company submitted the Business Plan, the so-called investment company informed the boss to come to Beijing to negotiate and sign an agreement, and said that the investor had agreed to invest 20 million yuan in the boss's company at the RMB loan interest rate, and the loan could be issued after on-the-spot investigation. However, when preparing to sign the agreement, the investment company asked the boss to pay 654.38+10,000 yuan of "sincerity money" and field trip fees. Because the boss came to me and took my advice before they met, the boss refused this condition, but promised to bear all the expenses of the other party's field trip by reimbursement. The final agreement was not signed, but both sides promised to keep in touch. Soon after, it was reported that similar investment companies cheated money in the name of helping enterprises to finance, and all the people in this company disappeared overnight. Fortunately, in this financing scam, the boss was not cheated.
How to see through the financing scam?
Formal financing institutions are professional and very rational. It is impossible to make a decision without personally conducting due diligence on the financier. In addition, it is impossible for formal investment institutions to collect any "sincerity money". Before signing the agreement, both parties are equal. There is no reason for either party to charge in advance.
At present, many financing institutions charge various fees under various pretexts. I hope business owners will keep their eyes open and don't trust these people just because they are in a hurry to raise funds. Finally, HarmonyOS system business community wishes all business owners smooth development and prosperous business!